Where Can I Cash a Cashier’s Check? 25 Places (& How to Cash Online)

A cashier’s check, also known as an official check, is a guaranteed draft for the amount of the check from the issuing bank.

In other words, the person or business that purchased the check has already paid the bank (as previously reported).

Cashier’s checks are imprinted with both the bank’s name and the name of the payee — the person or business receiving the check.

This additional security means that cashier’s checks are low-risk financial instruments, so they’re often used for high-dollar purchases like house or vehicle down payments, business-to-business payments, and large personal transactions.

However, it also means that cashing a cashier’s check isn’t always as simple as cashing a personal check, and there are fewer places that offer the service. Below, we list the places that cash cashier’s checks, including information about fees and ID requirements.

What We Recommend

There are limited places to cash a cashier’s check because they’re normally high-dollar checks.

The best place to cash your cashier’s check would be your bank if you have a checking account.

If you don’t, you can go to a check cashing store or a grocery store like Walmart or H-E-B. The best option for you will depend on which stores are closest to you and the amount of your check.

Comparison Table

You can use the following table for a quick comparison of the requirements and fees for cashing a cashier’s check at the places that offer the service.

Select any business or scroll for more information.

The List

Below, we list the banks and credit unions, check cashing stores, and grocery stores that cash cashier’s checks. Each category is listed beginning with the overall best options.

Banks and Credit Unions

Note: If you have an account with a bank or credit union, you should be able to cash any cashier’s check without paying a fee. If you don’t have a bank account, you’ll have to go to the bank or credit union that issued the cashier’s check, and you’ll typically pay a fee.

1. PNC

• Cashier’s check cashing requirements: Customers must show a photo ID; non-customers must show two forms of ID.^[1]
• Fees for non-customers: No charge for checks less than $25; 2% of the check amount for checks greater than $25($2 minimum)^[2]
• Find a branch

2. Citibank

• Cashier’s check cashing requirements: Two forms of ID^[3]
• Fees for non-customers: Free for Citibank-issued checks up to $5,000; fees vary for larger Citibank cashier’s checks.^[3] Non-Citibank cashier’s checks may be cashed at the bank’s discretion for a fee (as previously reported).^[4]
• Find a branch

3. HSBC

• Cashier’s check cashing requirements: Government-issued photo ID^[5]
• Fees for non-customers: Unavailable to non-customers; no fee for customers^[6]
• Find a branch

4. KeyBank

• Cashier’s check cashing requirements: Government-issued photo ID; check must be less than $5,000^[7]
• Fees for non-customers: None for checks less than $15; fees vary by state for checks larger than $15.^[7]
• Find a branch

5. U.S. Bank

• Cashier’s check cashing requirements: Government-issued photo ID; some branches may ask additional questions to understand the source of funds^[8]
• Fees for non-customers: $7 (as previously reported)^[9]
• Find a branch

6. TD Bank

• Cashier’s check cashing requirements: Government-issued photo ID^[10]
• Fees for non-customers: Unavailable to non-customers; no fee for customers^[11]
• Find a branch

7. Wells Fargo

• Cashier’s check cashing requirements: Government-issued photo ID^[12]; dollar amount limit is $2,500^[13]
• Fees for non-customers: $7.50^[13]
• Find a branch

8. Chase Bank

• Cashier’s check cashing requirements: Government-issued photo ID^[14]
• Fees for non-customers: $10 for checks over $50^[14]
• Find a branch

9. Bank of America

• Cashier’s check cashing requirements: Two forms of ID, including one government-issued photo ID^[15]
• Fees for non-customers: $8 (as previously reported)
• Find a branch

10. PenFed Credit Union

• Cashier’s check cashing requirements: Government-issued photo ID^[16]
• Fees for non-customers: Free^[16]
• Find a branch

11. Regions Bank

• Cashier’s check cashing requirements: Proper identification^[17]
• Fees for non-customers: 4% of the total check amount; $5 minimum fee^[18]
• Find a branch

12. Chartway Federal Credit Union

• Cashier’s check cashing requirements: Government-issued photo ID^[19]
• Fees for non-customers: The greater of $3 or 2% of the total check amount^[19]
• Find a branch

Check Cashing Stores

Note: Check cashing stores will typically cash any type of check in any amount. However, it’s best to inquire about the fees you’ll pay before having your check cashed, as some of these stores don’t make their fees readily available.

1. ACE Cash Express

• Cashier’s check cashing requirements: Government-issued photo ID^[20]
• Fees: Vary by location, check type, and amount; starting around 2% (as previously reported)
• Find a store

2. PLS Check Cashing

• Cashier’s check cashing requirements: Government-issued photo ID^[21]
• Fees: Starting at $1 plus 1% of the check amount^[21]
• Find a store

3. Check Into Cash

• Cashier’s check cashing requirements: Government-issued photo ID^[22]
• Fees: Vary according to location, check amount, and check type; usually 3% to 5% (as previously reported)
• Find a store

4. Speedy Cash

• Cashier’s check cashing requirements: Government-issued photo ID^[23]
• Fees: Vary, but start at $2^[23]
• Find a store

5. Check ‘n Go

• Cashier’s check cashing requirements: Government-issued photo ID (as previously reported)
• Fees: Vary by location and check type, but start at around 2% of total check amount (as previously reported)
• Find a store

6. Money Mart

• Cashier’s check cashing requirements: Government-issued photo ID^[24]
• Fees: Vary by location and check amount^[25][24]
• Find a store

7. Moneytree

• Cashier’s check cashing requirements: Government-issued photo ID^[26]
• Fees: Vary by check type; up to 7% of the check amount^[27]
• Find a store

8. Advance Financial

• Cashier’s check cashing requirements: Government-issued photo ID^[28]
• Fees: Vary from 1% to 10% of the total check amount; minimum $2 to $5 fee^[28]
• Find a store

9. USA Check Cashing Store

• Cashier’s check cashing requirements: Government-issued photo ID^[29]
• Fees: USA Checks Cashed posts rates at all of its branches; charges a small percentage of the amount of the check.^[29]
• Find a store

10. The Check Cashing Store

• Cashier’s check cashing requirements: Government-issued photo ID^[30]
• Fees: Standard fees vary by state^[31]
• Find a store

11. Pay-O-Matic

• Cashier’s check cashing requirements: Government-issued photo ID^[32]
• Fees: 2.27% of the check value^[32]
• Find a store

Grocery Stores

Note: Most grocery stores won’t cash cashier’s checks because of the high dollar amount. However, the following grocery stores will cash checks that fall within their amount limits.

1. Walmart

• Cashier’s check cashing requirements: Check amount must be $5,000 or less ($7,500 from January to April) and you must provide a government-issued photo ID^[33]
• Fees: Up to $4 for checks up to and including $1,000 and up to $8 for checks over $1,000 (as previously reported)
• Find a store

2. H-E-B

• Cashier’s check cashing requirements: Government-issued photo ID^[34]
• Fees: Starts at $3; determined by check’s face value^[35]
• Find a store

Cashing a Cashier’s Check Online

In some cases, you may be able to save yourself a trip to the store or bank and cash your cashier’s check from your own home.

If you have a checking account with a bank that offers remote deposit (also known as online deposit or mobile deposit), you can cash many types of checks — cashier’s checks included — through the bank’s mobile app.

Most major banks offer remote check deposits, including Bank of America,^[36] Chase,^[37] U.S. Bank,^[38] TD Bank,^[39] and others.

To cash a cashier’s check through a mobile app, you’ll simply need to endorse the check as you normally would. Then, following the banking app’s instructions, take a photo of the front and back of the check using your phone camera, and confirm that the information is correct.

It’s best to keep the check for 14 days to ensure it clears without any problems, then shred the physical check.

While most banks won’t have a problem accepting cashier’s checks through online deposit, it’s always worth checking your particular bank’s mobile deposit policies to be sure that this type of check is accepted.

Keep in mind that using a mobile app is technically making a deposit, not cashing the check — if you need physical cash in hand, you’ll still need to visit a store or go to a bank branch or ATM to make a withdrawal.

More Information

For more information on cashier’s checks, see our list of places near you that sell cashier’s checks. If you misplace a cashier’s check, you may also want to check out our research on canceling a cashier’s check.