Where Can I Cash a Cashier’s Check? 26 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. Cashier’s checks are imprinted with both the bank’s name and the name of the payee — the person or business the check is being made out to. 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 is not 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.

Where Can You Buy a Cashier’s Check?

Cashier’s checks are only sold by banks and credit unions because they must be backed by a financial institution. Most banks and credit unions make cashier’s checks available for a fee, which is usually around $10 per check, though some types of accounts allow bank customers to get free cashier’s checks.

For more information on how and where to buy a cashier’s check, see our article about places near you that sell cashier’s checks.

Reference Table: Places That Cash Cashier’s Checks

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. Click any business or scroll for more information.

Location Requirements Fees
Bank of America Two forms of ID $8 for non-customers
Chartway Federal Credit Union Photo ID $3 or 2% of the check (whichever is greater) for non-customers
Chase Bank Photo ID $8 for non-customers
Citibank Two forms of ID None for account holders or checks up to $5,000; variable otherwise
HSBC Photo ID $3 for checks up to $100; $5 for larger checks (for non-customers)
KeyBank Photo ID 1% of the check amount for non-customers
PenFed Credit Union Photo ID None
PNC Bank Photo ID None
Regions Bank Photo ID 1% to 4% of the check amount
SunTrust Bank Photo ID None for checks under $50; $7 otherwise
TD Bank Photo ID $7 for non-customers
U.S. Bank Photo ID $7 for non-customers
Wells Fargo Photo ID $7.50 for non-customers
ACE Cash Express Photo ID Vary by location
Advance Financial Photo ID 1% to 5% of the check amount
Check Into Cash Photo ID Vary by location
Check 'n Go Photo ID Starting at 1.99% of the check amount
Money Mart Photo ID Vary by location
Moneytree Photo ID Vary by location
Pay-O-Matic Photo ID About 2% of the check amount
PLS Check Cashing Photo ID Starting at $1 plus 1% of the check amount
Speedy Cash Photo ID Starting at $2
The Check Cashing Store Two forms of ID Vary by location, check type, and amount
USA Check Cashing Store Photo ID Vary by location, check type, and amount
H-E-B Photo ID $3 for checks up to $3,000; variable for larger checks
Walmart Photo ID $3 for checks up to $1,000; $6 for checks between $1,000 and $5,000

Where Can You Cash a Cashier’s Check?

There are limited places to cash a cashier’s check because they are normally high-dollar checks that are backed by financial institutions. The best place to cash your cashier’s check would be your bank, if you have a checking account, and if you don’t, you can go to a check cashing store or a grocery store like H-E-B or Walmart.

Banks and Credit Unions

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 be charged a fee. You’ll always be required to show identification (sometimes two forms) to cash the check.

Bank of America

  • Cashier’s check cashing requirements: Two forms of ID, including one government-issued photo ID[1]
  • Fees for non-customers: $8[1]
  • Find a Bank of America

Chartway Federal Credit Union

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

Chase Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[3]
  • Fees for non-customers: $8[3]
  • Find a Chase Bank

Citibank

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

HSBC

  • Cashier’s check cashing requirements: Government-issued photo ID[5]
  • Fees for non-customers: $3 for cashier’s checks up to and including $100; $5 for cashier’s checks over $100[5]
  • Find an HSBC bank

KeyBank

  • Cashier’s check cashing requirements: Government-issued photo ID[6]
  • Fees for non-customers: 1% of the check amount[6]
  • Find a KeyBank

PenFed Credit Union

PNC Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[8]
  • Fees for non-customers: Free[8]
  • Find a PNC Bank

Regions Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[9]
  • Fees for non-customers: 1% to 4% of the total check amount. Note that non-customers must visit a Regions Bank branch to cash a Regions cashier’s check; these checks can’t be cashed using a Regions Now card.[9]
  • Find a Regions Bank

SunTrust Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[10]
  • Fees for non-customers: None for checks under $50; $7 otherwise[10]
  • Find a SunTrust Bank

TD Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[11]
  • Fees for non-customers: $7[11]
  • Find a TD Bank

U.S. Bank

  • Cashier’s check cashing requirements: Government-issued photo ID[12]
  • Fees for non-customers: $7[12]
  • Find a U.S. Bank

Wells Fargo

ACE Cash Express

Check cashing stores cater to customers that don’t have bank accounts but need to cash checks immediately. This type of business will typically cash any type of check in any amount. However, a check cashing store often charges a flat fee plus a percentage of the check amount. If you decide to visit one of these places, inquire first about the fees you will pay before having your check cashed, as some of these stores don’t make their fees readily available.

Alliant Credit Union

Advance Financial

  • Cashier’s check cashing requirements: Government-issued photo ID[15]
  • Fees: Vary from 1% to 5% of the total check amount; minimum $5 fee[15]
  • Find an Advance Financial

Check Into Cash

  • Cashier’s check cashing requirements: Government-issued photo ID[16]
  • Fees: Vary according to location, check amount, and check type[16]
  • Find a Check Into Cash

Check ‘n Go

  • Cashier’s check cashing requirements: Government-issued photo ID[17]
  • Fees: Vary by location and check type, but start at 1.99% of total check amount[17]
  • Find a Check ‘n Go

Money Mart

  • Cashier’s check cashing requirements: Government-issued photo ID[18]
  • Fees: Vary by location, check type, and amount[18]
  • Find a Money Mart

Moneytree

See more in our research on Moneytree’s check cashing fees.

Pay-O-Matic

PLS Check Cashing

Speedy Cash

The Check Cashing Store

  • Cashier’s check cashing requirements: Two forms of ID, including one government-issued photo ID[23]
  • Fees: Vary by store, check type, and check amount[23]
  • Find a Check Cashing Store

USA Check Cashing Store

Grocery Stores

Grocery stores typically will not cash a cashier’s check due to the risk of a fraudulent check and because most cashier’s checks are for a high dollar amount. A grocery store can’t afford to give out a lot of cash, as it needs that cash on hand for its numerous store transactions.

H-E-B

  • Cashier’s check cashing requirements: To cash a check, you need a government-issued photo ID[25]
  • Fees: Depends on the check amount; The fee for checks up to $3,000 is $3, while fees for checks over $3,000 vary[25]
  • Find an H-E-B

Find out more in our dedicated article about H-E-B’s cashier’s check policy.

Walmart

  • Cashier’s check cashing requirements: Government-issued photo ID[26]
  • Fees: $3 for checks up to and including $1,000, $6 for checks over $1,000 up to and including $5,000[26]
  • Find a Walmart

Can You Cash 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 right 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 — from the comfort of your own home. Most major banks offer online or remote check deposits through their mobile apps, including Bank of America, Chase, U.S. Bank, TD Bank, and others.

To cash a cashier’s check through a mobile app, you’ll simply need to endorse the check as you normally would and write “For Online Deposit Only” underneath. Then follow the banking app’s instructions, take a photo of the front and back of the check using your phone camera, and confirm that the auto-populated information for the check is correct. Once you’ve made the deposit, the funds will typically be available in your account within one to two business days. It is best to keep the check for 14 days to ensure that 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.

In Summary

If you have a bank account, you can usually cash a cashier’s check for free at your bank or through your bank’s mobile app. However, if you don’t have a bank account, there are limited locations where you can cash a cashier’s check, and the bank that issued the cashier’s check is probably your best bet. Check cashing stores are another option, but they may charge significant fees. Whichever option you choose, it’s always best to call the location first to check hours of operation and inquire about any fees and identification needed. For more information, you may want to check out our article about canceling a cashier’s check.

  1. https://www.bankofamerica.com/help/faq-financial-center.go[][]
  2. https://www.chartway.com/connect/member-help.html[][]
  3. Chase Bank customer service (800) 935-9935[][]
  4. Citibank customer service (800) 374-9700[][]
  5. HSBC customer service (800) 975-4722[][]
  6. https://www.key.com/pdf/CheckCashFlyer_CNY.pdf[][]
  7. PenFed customer service (800) 247-5626[][]
  8. https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/service-charges-standard-checking-A.pdf[][]
  9. https://www.regions.com/personal_banking/now_banking_check_cashing.rf[][]
  10. https://www.suntrust.com/personal-banking/additional-services/check-cashing[][]
  11. http://www.tdbank.com/tdhelps/default.aspx/how-much-do-you-charge-a-fee-for-non-customer-check-cashing/v/39014717/[][]
  12. https://www.usbank.com/index.html[][]
  13. Wells Fargo customer service (800) 869-3557[][]
  14. https://www.acecashexpress.com/check-cashing[][]
  15. https://www.af247.com/services/check-cashing[][]
  16. https://checkintocash.com/store-services/check-cashing/[][]
  17. https://www.checkngo.com/check-cashing.aspx[][]
  18. https://www.moneymart.com/check-cashing[][]
  19. https://www.moneytreeinc.com/faq[][]
  20. https://www.payomatic.com/products/check-cashing[][]
  21. http://pls247.com/tx/money/check-cashing.html[][]
  22. https://www.speedycash.com/check-cashing/[][]
  23. https://www.thecheckcashingstore.com/check-cashing[][]
  24. https://www.usacheckcashingstore.com/check-cashing[][]
  25. https://www.heb.com/static-page/check-cashing[][]
  26. https://www.walmart.com/cp/check-cashing/632047[][]

2 comments

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Susan,

      Unfortunately, due to the volume of comments that we receive, we’re not able to help with specific, individual requests. I recommend a Google search in your area for some of the locations listed above; I also recommend calling your location of choice to make sure that they are able to cash your specific cashier’s check. I hope this helps!