21 Places Where You Can Cash a Cashier’s Check

Knowing your options for where to cash a check can save you time if your daily routine takes you close to one of these locations.

However, not every place that cashes checks can process all types of checks. When you need to cash a particular type like a cashier's check, it's important to be aware of the restrictions.

Teller passing a receipt to a customer after cashing a cashier's check

You can cash a cashier’s check at most banks and credit unions, though non-members will generally pay a fee for this service.

You can also cash them at check cashing stores and select grocery stores for a fee.

Below, I list your options, complete with each company’s requirements and fees. I also explain how you can process a cashier’s check online.

What I Recommend

The best place to cash your cashier’s check is your bank if you have a checking account. This way you also have the option to deposit some or all of it, if needed, and you won’t pay a fee.

You can’t cash a cashier’s check at any bank without an account; you’ll usually need to go to the bank the check is drawn on.

If you don’t have a bank account, the best option for you will depend on which options are closest to you and the amount of your check.

Walmart has stores nationwide and its fees (about $4 to $8[1]) are comparable to other non-bank options.

However, if your check is larger than $5,000, your nearest check cashing store will likely be the best option for you.

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 name or scroll to the list below for more information.

Location Requirements Fees
Bank of AmericaPhoto ID Free for checks less than $50; $8 for non-customers for checks greater than $50
Chartway Federal Credit UnionPhoto ID $3 or 2% of the check (whichever is greater) for non-customers
Chase BankPhoto ID Vary by location for non-customers
CitibankPhoto ID; check must be $5,000 for non-customers None
KeyBankPhoto ID; check must be $5,000 or less for non-customers None or varies by state
PenFed Credit UnionPhoto ID; phone number and fingerprint for non-customers None
PNCPhoto ID None or 2% for non-customers
Regions BankPhoto ID; non-customers must enroll in check cashing services None, 1%, or 4%; if fees apply, $5 minimum and $20 maximum for non-customers
TD BankPhoto ID; two forms of ID for non-customers $10 for non-customers
U.S. BankPhoto ID $7.50 for non-customers for checks not drawn on U.S. Bank
Wells FargoTwo forms of ID $10 for non-customers
ACE Cash ExpressPhoto ID Vary by state
Advance FinancialPhoto ID 1% to 5% of the check amount; $5 minimum
Check Into CashPhoto ID Vary; up to $10
Check 'n GoPhoto ID Vary by state
Money MartPhoto ID Vary by state
MoneytreeUnexpired photo ID Vary by market
PLS Check CashingPhoto ID Starting at $1 plus 1% of the check amount
Speedy CashPhoto ID Vary by location
H-E-BPhoto ID Starts at $3
WalmartPhoto ID; check must be $5,000 or $7,500 or less, depending on time of year $4 for checks up to $1,000; $8 for checks over $1,000
Table Plugin

The List

Below, I list the banks and credit unions, check cashing stores, and grocery stores that cash cashier’s checks. The list begins with the overall best options based on their fees, restrictions, and how widely available they are.

Note that 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. Fees listed below for banks and credit unions apply to non-customers only.

Walmart logo

1. Walmart

  • Requirements: The check amount must be $5,000 or less ($7,500 from January to April), and you must provide a government-issued photo ID.[1]
  • Fees: Up to $4 for checks worth $1,000 or more and up to $8 for checks over $1,000;[1] find out more about Walmart’s check cashing policy.
  • Find a location
PLS Check Cashing logo

2. PLS Check Cashing

  • Requirements: Government-issued photo ID[2]
  • Fees: Starting at $1 plus 1% of the check amount;[3] PLS Check Cashing will have to scan your cashier’s check to find out exact fees.[2]
  • Find a location
Advance Financial logo

3. Advance Financial

  • Requirements: Government-issued photo ID[4]
  • Fees: Vary from 1% to 5% of the total check amount ($5 minimum)[4]
  • Find a location
ACE Cash Express Logo

4. ACE Cash Express

Check n Go logo

5. Check ‘n Go

Money Mart logo

6. Money Mart

Speedy Cash logo

7. Speedy Cash

Moneytree logo

8. Moneytree

Check Into Cash logo

9. Check Into Cash

Citibank logo

10. Citibank

PenFed Credit Union logo

11. PenFed Credit Union

  • Requirements: Government-issued photo ID; non-customers must have a check drawn on PenFed and also provide a phone number and fingerprint.[14]
  • Fees: None[14]
  • Find a location
PNC Mobile App Logo

12. PNC

  • Requirements: Customers must show a photo ID; non-customers must have a check drawn on PNC and show two forms of ID (one can be a debit or credit card).[15]
  • Fees: No charge for checks less than $25; 2% of the check amount for checks greater than $25 ($2 minimum)[16][17]
  • Find a location
Regions Bank logo

13. Regions Bank

  • Requirements: Proper identification;[18] non-customers must enroll in Regions check cashing services, though a bank account isn’t required.[19]
  • Fees: For cashier’s checks drawn on Regions Bank valued at $25 or less, there is no fee; for cashier’s checks drawn on Regions Bank valued at more than $25, there is a 1% fee ($5 minimum, $20 maximum); for cashier’s checks not drawn on Regions Bank, there is a 4% fee ($5 minimum).[19]
  • Find a location
US Bank logo

14. U.S. Bank

  • Requirements: Government-issued photo ID; non-customers must have a check drawn on U.S. Bank.[20]
  • Fees: No fee to cash a cashier’s check drawn on U.S. Bank; $7.50 fee for cashing a cashier’s check drawn from another bank;[21] see more on U.S. Bank’s check cashing policy.
  • Find a location
Bank of America Mobile Banking App Logo

15. Bank of America

logo for Wells Fargo

16. Wells Fargo

  • Requirements: Two forms of ID and if you aren’t an account holder, your check must be drawn on Wells Fargo[23]
  • Fees: $10[23]
  • Find a location
TD Bank logo

17. TD Bank

  • Requirements: Government-issued photo ID; non-customers must have a check drawn on TD Bank and provide two forms of ID.[24][25]
  • Fees: $10[25]
  • Find a location
Key Bank logo

18. KeyBank

  • Requirements: Government-issued photo ID; check must be less than $5,000 and drawn on KeyBank for non-customers.[26]
  • Fees: None for checks less than $15; fees vary by state for checks larger than $15.[26]
  • Find a location
Chase Bank logo

19. Chase Bank

  • Requirements: Government-issued photo ID; non-customer checks must be drawn on Chase Bank[27]
  • Fees: Vary by location[27]
  • Find a location
H-E-B logo

20. H-E-B

  • Requirements: Government-issued photo ID; limits vary depending on how much cash the store has on hand[28]
  • Fees: Start at $3; determined by check’s face value[29]
  • Find a location
Chartway Federal Credit Union logo

21. Chartway Federal Credit Union

  • Requirements: Government-issued photo ID; if you aren’t an account holder, your check must be drawn on Chartway Federal Credit Union.[30]
  • Fees: The greater of $3 or 2% of the total check amount[30]
  • Find a location

Cashing a Cashier’s Check Online

You can’t technically cash a cashier’s check online; however, if you have a checking account, you may be able to deposit it through your bank’s mobile app.

Most major banks offer remote check deposits (also known as online or mobile deposits), including Bank of America, Chase, U.S. Bank, TD Bank, and others.[31][32][33][34]

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.

Tip: 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 this type of check is accepted. It’s also a good idea to keep the check for 14 days to ensure it clears without any problems, then shred the physical check.

To deposit 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’s camera, and confirm that the information is correct.[31][32][33]


What if my cashier’s check is lost or stolen?

The person who gave you the cashier’s check will have to get an indemnity bond to receive a replacement check from the issuing bank, so you will need to get in contact with them.[35]

If the cashier’s check names more than one person, who has to endorse it?

All parties must endorse cashier’s checks assigned to more than one person with names connected by “and” (e.g., Jane and John Doe). Only one of the named parties must endorse cashier’s checks assigned to more than one person with names connected by “or” (e.g., Jane or John Doe). See more about how to cash a two-party check.

Do cashier’s checks expire?

This depends on the issuer and local laws. If the check has an expiration or void date, it’s best to cash it before this date.[36][37]

In Summary

You can cash a cashier’s check at a variety of banks, credit unions, check-cashing stores, and grocery stores; this is generally free at banks and credit unions if you have an account there, while non-customers usually pay a fee. Check-cashing stores and grocery stores charge fees for cashing cashier’s checks, as well.

If you prefer the convenience of online check processing, you may be able deposit your cashier’s check for free using your bank’s mobile app. With this method, you won’t be able to get cash in hand without also visiting a store, bank branch, or ATM.

Feel free to ask questions below in the comments section. You’re also welcome to share your own stories and notes regarding the places you’ve cashed a cashier’s check.

  1. https://www.walmart.com/cp/check-cashing/632047[][][]
  2. PLS Check Cashing store customer service representatives[][]
  3. http://pls247.com/tx/money/check-cashing.html[]
  4. https://www.af247.com/services/check-cashing[][]
  5. https://www.acecashexpress.com/check-cashing[][]
  6. https://www.checkngo.com/faqs/check-cashing[][]
  7. https://www.moneymart.com/check-cashing[][]
  8. https://www.speedycash.com/faqs/check-cashing/[][]
  9. Money Tree store customer service representatives[]
  10. https://www.moneytreeinc.com/search/searchindex?&referrerPageUrl=[]
  11. https://checkintocash.com/store-services/check-cashing/[]
  12. Check Into Cash store customer service representatives[]
  13. Citibank branch customer service representatives[][]
  14. PenFed Credit Union customer service via email, help@support.penfed.org[][]
  15. PNC branch customer service representatives[]
  16. https://www.pnc.com/content/dam/pnc-com/pdf/smallbusiness/DepositAccounts/bus-deposit-fees.pdf[]
  17. https://content.pncmc.com/live/pnc/personal/serviceCharges/ServiceChargesB.pdf[]
  18. https://www.regions.com/-/media/pdfs/quick-guides/QuickGuide-Check-Cashing.pdf[]
  19. https://www.regions.com/personal_banking/now_banking_check_cashing.rf[][]
  20. U.S. Bank branch customer service representatives[]
  21. U.S. Bank customer service via Facebook chat[]
  22. Bank of America customer service via Facebook chat[][]
  23. Wells Fargo customer service via Facebook chat[][]
  24. TD Bank branch customer service representatives[]
  25. https://www.td.com/us/en/personal-banking/contact-us[][]
  26. https://www.key.com/pdf/CheckCashFlyer_CNY.pdf[][]
  27. Chase Bank customer service via Facebook chat[][]
  28. H-E-B store customer service representatives[]
  29. https://www.heb.com/static-page/check-cashing[]
  30. Chartway Federal Credit Union customer service (800) 678-8765[][]
  31. https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/mobile-check-deposit/[][]
  32. https://www.chase.com/digital/mobile-deposits[][]
  33. https://www.usbank.com/online-mobile-banking/mobile-check-deposit.html[][]
  34. https://www.tdbank.com/getmore/mobilebanking.html[]
  35. https://www.helpwithmybank.gov/help-topics/bank-accounts/cashiers-checks/cashiers-check-indemnity.html[]
  36. https://www.chase.com/personal/banking/education/basics/do-checks-expire[]
  37. https://www.pnc.com/insights/personal-finance/spend/do-checks-expire.html[]


  • susan hornbeck

    where to cash a cashiers check in louisville ky

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      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!

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