25 Places Where You Can Cash a Cashier’s Check (+ How to Cash Online)

Someone counting cash after cashing their cashier's check at a bank.

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.

Location Requirements Fees
Bank of AmericaTwo forms of ID $8 for non-customers
Chartway Federal Credit UnionPhoto ID $3 or 2% of the check (whichever is greater) for non-customers
Chase BankPhoto ID $10 for non-customers
CitibankTwo forms of ID None for account holders or checks up to $5,000; variable otherwise
HSBCPhoto ID Unavailable to non-customers; free to customers
KeyBankPhoto ID None or varies by state
PenFed Credit UnionPhoto ID None
PNC BankPhoto ID None or 2%
Regions BankPhoto ID 4% of the check amount; $5 minimum
TD BankPhoto ID Unavailable to non-customers; free to customers
U.S. BankPhoto ID $7 for non-customers
Wells FargoPhoto ID $7.50 for non-customers
ACE Cash ExpressPhoto ID Vary by location; starting around 2%
Advance FinancialPhoto ID 1% to 10% of the check amount
Check Into CashPhoto ID Vary by location; usually 3% to 5%
Check 'n GoPhoto ID Starting at about 2% of the check amount
Money MartPhoto ID Vary by location
MoneytreePhoto ID Vary by location; up to 7% of the check amount
Pay-O-MaticPhoto ID About 2.27% of the check amount
PLS Check CashingPhoto ID Starting at $1 plus 1% of the check amount
Speedy CashPhoto ID Starting at $2
The Check Cashing StorePhoto ID Vary by location
USA Check Cashing StorePhoto ID A small percentage
H-E-BPhoto ID Starts at $3
WalmartPhoto ID $4 for checks up to $1,000; $8 for checks between $1,000 and $5,000

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.

PNC Bank logo

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

Citibank logo

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

HSBC logo

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

Key Bank logo

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

US Bank logo

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

TD Bank logo

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

Wells Fargo logo

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

Chase Bank logo

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

Bank of America logo

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

PenFed Credit Union logo

10. PenFed Credit Union

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

Regions Bank logo

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

Chartway Federal Credit Union logo

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.

ACE Cash Express Logo

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

PLS Check Cashing logo

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

Check Into Cash logo

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

Speedy Cash logo

4. Speedy Cash

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

Check n Go logo

5. Check ‘n Go

Money Mart logo

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

Moneytree logo

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

Advance Financial logo

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

USA Check Cashing Store logo

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

The Check Cashing Store logo

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

Payomatic logo

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.

Walmart logo

1. Walmart

H-E-B logo

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.

  1. PNC Bank customer service representative[]
  2. https://www.pnc.com/content/dam/pnc-com/pdf/personal/service-charges-fees-non-vw/all-ServiceChargesA.pdf[]
  3. Citibank customer service (800) 374-9700[][]
  4. https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf[]
  5. HSBC customer service (800) 975-4722[]
  6. HSBC Facebook Messenger chat[]
  7. https://www.key.com/pdf/CheckCashFlyer_CNY.pdf[][]
  8. U.S. Bank Facebook Messenger[]
  9. U.S. Bank Facebook Messenger chat[]
  10. TD Bank branch customer service representatives[]
  11. TD Bank Facebook Messenger chat[]
  12. Wells Fargo Facebook Messenger chat[]
  13. https://www.chime.com/bank-fees/wells-fargo-banking-fees-and-charges/[][]
  14. Chase Bank customer service (800) 935-9935[][]
  15. Bank of America branch customer service representatives[]
  16. PenFed customer service (800) 247-5626[][]
  17. https://www.regions.com/-/media/pdfs/quick-guides/QuickGuide-Check-Cashing.pdf[]
  18. https://www.regions.com/personal_banking/now_banking_check_cashing.rf[]
  19. Chartway Federal Credit Union Facebook Messenger chat[][]
  20. https://www.acecashexpress.com/check-cashing[]
  21. http://pls247.com/tx/money/check-cashing.html[][]
  22. https://checkintocash.com/store-services/check-cashing/[]
  23. https://www.speedycash.com/store-services/check-cashing/[][]
  24. https://www.moneymart.com/check-cashing[][]
  25. Money Mart store customer service representatives[]
  26. Money Tree customer service (800) 745-1011[]
  27. https://locations.moneytreeinc.com/moneytree-f570778a40dd[]
  28. https://www.af247.com/services/check-cashing[][]
  29. https://www.usacheckcashingstore.com/faq[][]
  30. The Check Cashing Store customer service (877) 460-3484[]
  31. https://www.thecheckcashingstore.com/check-cashing[]
  32. https://www.payomatic.com/products/check-cashing[][]
  33. https://www.walmart.com/cp/check-cashing/632047[]
  34. H-E-B store customer service representatives[]
  35. https://www.heb.com/static-page/check-cashing[]
  36. https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/mobile-check-deposit/[]
  37. https://www.chase.com/digital/mobile-deposits[]
  38. https://www.usbank.com/online-mobile-banking/mobile-check-deposit.html[]
  39. https://www.tdbank.com/getmore/mobilebanking.html[]

Suggested

2 comments - Comments are closed.


  • susan hornbeck

    where to cash a cashiers check in louisville ky

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn

      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!

buy modafinil online where to buy modafinil