Where Can I Cash a Cashier’s Check? 20+ Places (& How to Cash Online)

Here’s who cashes cashier’s checks, both at brick-and-mortar businesses and 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 bank has already been paid by the person or business who purchased the cashier’s check. 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 type of additional security means that cashier’s checks are low-risk financial instruments, so they’re often used for high-dollar purchases such as house or vehicle down payments, business-to-business payments, and large personal transactions.

Where Can You Buy a Cashier’s Check?

Cashier’s checks are only sold by banks or 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 averages around $10 per check, although 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: Cashiers Check near Me? Where to Get Cashiers Check, Nearby to Most

Where Can You Cash a Cashier’s Check?

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 and are backed by financial institutions for this reason. 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. We’ve listed them below for your convenience. If you prefer to go to Walmart, you can do that, too, but it is the only known grocery store to cash cashier’s checks.

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. No matter what, you’ll need to show identification (sometimes two forms) to cash the check.

Bank of America

Chartway Federal Credit Union

Chase Bank

  • Cashier’s check cashing requirements: Government-issued photo ID
  • Fees for non-customers: $8
  • Source: Customer service
  • Find your nearest Chase Bank


  • Cashier’s check cashing requirements: Government-issued photo ID
  • 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.
  • Source: Customer service
  • Find your nearest Citibank


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


  • Cashier’s check cashing requirements: Government-issued photo ID
  • Fees for non-customers: $7
  • Source: Customer service
  • Find your nearest KeyBank

PenFed Credit Union

PNC Bank

Regions Bank

  • Cashier’s check cashing requirements: Government-issued photo ID
  • Fees for non-customers: 1%- 4% o 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.
  • Source: Regions Now Banking Check Cashing page and customer service
  • Find your nearest Regions Bank

SunTrust Bank

TD Bank

U.S. Bank

Wells Fargo

  • Cashier’s check cashing requirements: Government-issued photo ID
  • Fees for non-customers: $7.50
  • Source: Customer service
  • Find your nearest Wells Fargo

Check-Cashing Stores

Check cashing stores cater to the customer that doesn’t have a bank account but needs a check cashed immediately. This type of business will typically cash any type of check in any amount. A check cashing store often charges a flat fee plus a percentage of the check amount. If you decide to utilize 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.

ACE Cash Express

Advance Financial

Check Into Cash

Check ’N Go

Money Mart



PLS Check Cashing

Speedy Cash

The Check Cashing Store

USA Check Cashing Store

Grocery Stores

In our research, Walmart is the only store that specifically states on its website that it will cash a cashier’s check. 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.


Read more in our dedicate article about H-E-B’s cashier’s check policy


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 instead 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 included, right from your couch. Most major banks offer online or remote check deposit through their mobile apps, including Bank of America, Chase, US 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. Keep the check for 14 days to ensure that it clears without any problems, then shred the physical check. That’s it!

While most banks won’t have a problem accepting cashier’s checks through online deposit, it’s always worth double checking your particular bank’s mobile deposit policies to be sure that this type of check is allowed. 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 and get cash back or go to a bank branch or ATM to make a withdrawal.

In Summary

If you have a bank account, you can usually just cash a cashier’s check at your bank. 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 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. Places that cash cashier’s checks are out there. Good luck!

Suggested Next Article: Can a Cashier’s Check Get Cancelled?


    • Sarah Quinn says:
      First Quarter Finance logostaff


      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!