Where to Cash a Handwritten Check: 37 Places to Choose From

Short Answer: Handwritten checks can be somewhat difficult to cash, as they carry a higher risk than electronically written checks. Fewer places that cash checks are willing to handle handwritten checks because of this risk. However, there are options available when you need to cash a handwritten check, whether it’s a personal, business, payroll, or some other form of check. To cash the check, you’ll need to pay a fee of up to $10 or a percentage of the check amount. Below, we list the banks, credit unions, check cashing stores, and retail stores that cash handwritten checks, as well as those that don’t.

Where Can I Cash a Handwritten Check?

You can cash a handwritten check at a bank or credit union, as well as some check cashing and retail stores. We list the places that cash handwritten checks below.

You can use the following table for a quick explanation of the places that cash handwritten checks, including information about accepted check types and fees. Click any business or scroll for more information.

Location Handwritten Checks Cashed Fee (Non-Customers)
Bank of America Personal, business, and payroll checks issued by the bank $8 per check
Bank of the West Personal, business, and payroll checks issued by the bank Free for checks under $50; $7.50 otherwise
BB&T Bank Personal, business, and payroll checks issued by the bank Free for checks under $50; $8 otherwise
BMO Harris Personal, business, and payroll checks issued by the bank Free for checks under $50; $10 otherwise
Chase Bank All types $8 per check
Chartway Federal Credit Union Personal, business, and payroll checks issued by the credit union (except those made payable to a business) $3 or 2% of the total check amount
Citibank Personal, business, and payroll checks issued by the bank; non-Citibank checks cashed at the bank's discretion Free for checks up to $5,000; variable otherwise
Citizens Bank Personal, business, and payroll checks issued by the bank (no third-party checks) $7 per check
Connexus Credit Union Personal, business, and payroll checks issued by the credit union None
Fifth Third Bank All types 1% of the check amount; max $4
First National Bank Personal and payroll checks issued by the bank $10
HSBC Personal, business, and payroll checks issued by the bank; non-HSBC checks cashed at the bank's discretion Free for HSBC personal checks; $3 for other checks up to $100; $5 otherwise
KeyBank All types $7 per check or 1.5% of the check amount
M&T Bank Personal, business, and payroll checks issued by the bank 3% of the check amount; minimum $3
Mountain America Credit Union Personal, business, and payroll checks issued by the credit union Free
Navy Federal Credit Union Personal, business, and payroll checks issued by the credit union Free
PenFed Credit Union Personal, business, and payroll checks issued by the credit union Free
PNC Bank Personal, business, and payroll checks issued by the bank Free
Regions Bank All types 1% to 4% of the total check amount
SunTrust Bank All types $7 for SunTrust checks; 1% to 3% for other checks
TD Bank Personal, business, and payroll checks issued by the bank $7 per check
U.S. Bank Personal, business, and payroll checks issued by the bank $7 per check
Wells Fargo Personal, business, and payroll checks issued by the bank $7.50 per check
ACE Cash Express All types Varies
Check Into Cash All types Varies
Check 'N Go All types Starting at 1.99% of the check amount
Money Mart All types Varies
Mr. Payroll All types Varies
PLS Check Cashing All types $1 plus 1% of the total check amount
Speedy Cash All types Starting at $2 per check
United Check Cashing All types Varies
Food Lion Personal, business, and payroll checks Varies
Giant Eagle Personal, business, and payroll checks Varies
H-E-B Personal, business, and payroll checks $3 for checks up to $3,000; variable otherwise
Kmart Personal, business, and payroll checks $1 or less
Market Basket Personal, business, and payroll checks (local checks only) Typically 1.25% of the total check amount
Publix Personal, business, and payroll checks $3 to $6 per check

Banks and Credit Unions

In general, banks and credit unions are more willing to cash checks — both handwritten ones and others — for account holders than non-customers. If you have an account at a bank or credit union, you should be able to cash a handwritten check there, or at least deposit it into your account. Another advantage is that you won’t be charged a check cashing fee at your own bank or credit union.

However, if you don’t have an account and need to cash a handwritten check, there are still some options available to you. Your best chance is to bring the handwritten check to the issuing bank, which will usually be able to cash it, although perhaps for a fee.

In the list of banks and credit unions that cash these types of checks below, we’ve included details on check cashing fees and other requirements for non-customers.

Bank of America

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on Bank of America[1]
  • Non-customer check cashing fees: $8 per check[1]
  • Check cashing requirements: A valid photo ID and one other form of ID[1]
  • Find a Bank of America

Bank of the West

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks if issued from a Bank of the West account[2]
  • Non-customer check cashing fees: Free for checks under $50 or checks drawn on a government account; $7.50 for all other checks[3]
  • Check cashing requirements: Valid, government-issued photo ID[3]
  • Find a Bank of the West

BB&T Bank

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on BB&T accounts[4]
  • Non-customer check cashing fees: Free for checks up to and including $50; $8 for checks more than $50[4]
  • Check cashing requirements: Must show a government-issued, valid photo ID[4]
  • Find a BB&T Bank

BMO Harris

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks issued by BMO Harris Bank[5]
  • Non-customer check cashing fees: Free for checks up to and including $50; $10 for checks more than $50[5]
  • Check cashing requirements: Valid, government-issued photo ID[5]
  • Find a BMO Harris

Chase Bank

  • Handwritten checks cashed for (including for non-customers): All types[6]
  • Non-customer check cashing fees: $8 per check[6]
  • Check cashing requirements: Must show a valid photo ID[6]
  • Find a Chase Bank

See more in our related article about Chase Bank’s check cashing policies.

Chartway Federal Credit Union

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks issued by Chartway, except those made payable to a business[7]
  • Non-customer check cashing fees: $3 or 2% of the total check amount, whichever is greater[7]
  • Check cashing requirements: Must show a government-issued photo ID[7]
  • Find a Chartway

Citibank

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks. Checks drawn on banks other than Citibank may be cashed at the bank’s discretion.[8]
  • Non-customer check cashing fees: Free for Citibank checks up to $5,000. Fees vary according to check type and amount for all other checks.[8]
  • Check cashing requirements: Must show two forms of ID, including one with a photo[8]
  • Find a Citibank

Citizens Bank

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on Citizens Bank; Citizens Bank does not accept third-party checks[9]
  • Non-customer check cashing fees: $7 per check[9]
  • Check cashing requirements: Valid, government-issued photo ID[9]
  • Find a Citizens Bank

Connexus Credit Union

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks issued by Connexus[10]
  • Non-customer check cashing fees: Free[10]
  • Check cashing requirements: Must show a photo ID[10]
  • Find a Connexus

Fifth Third Bank

  • Handwritten checks cashed for (including for non-customers): All types[11]
  • Non-customer check cashing fees: 1% of the total check amount; maximum $4 fee[11]
  • Check cashing requirements: Must show a photo ID and one other form of ID[11]
  • Find a Fifth Third Bank

First National Bank

  • Handwritten checks cashed for (including for non-customers): First National-issued personal and payroll checks[12]
  • Non-customer check cashing fees: $10[12]
  • Check cashing requirements: Valid, government-issued photo ID[12]
  • Find a First National Bank

HSBC

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on HSBC; Other handwritten checks may be cashed at the bank’s discretion[13]
  • Non-customer check cashing fees:[13]
    • HSBC personal checks: Free
    • Other checks up to and including $100: $3 per check
    • Other checks over $100: $5 per check
  • Check cashing requirements: Must show a valid ID with a photo[13]
  • Find an HSBC

KeyBank

  • Handwritten checks cashed for (including for non-customers): Any type[14]
  • Non-customer check cashing fees:[15]
    • KeyBank branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Check cashing requirements: Valid, government-issued photo ID[15]
  • Find a KeyBank

M&T Bank

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on M&T Bank[16]
  • Non-customer check cashing fees: 3% of the total check amount; minimum $3 fee[16]
  • Check cashing requirements: Must show a government-issued photo ID[16]
  • Find an M&T Bank

Mountain America Credit Union

  • Handwritten checks cashed for (including for non-customers): MACU personal, business, and payroll checks[17]
  • Non-customer check cashing fees: Free[17]
  • Check cashing requirements: Valid, government-issued photo ID[17]
  • Find a MACU
  • Handwritten checks cashed for (including for non-customers): NFCU-issued personal, business, and payroll checks[18]
  • Non-customer check cashing fees: Free[18]
  • Check cashing requirements: Must show a valid photo ID[18]
  • Find an NFCU

PenFed Credit Union

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on PenFed Credit Union[19]
  • Non-customer check cashing fees: Free[19]
  • Check cashing requirements: Valid, government-issued photo ID[19]
  • Find a PenFed

PNC Bank

  • Handwritten checks cashed for (including for non-customers): PNC-issued personal, business, and payroll checks[20]
  • Non-customer check cashing fees: Free[20]
  • Check cashing requirements: Must show a photo ID[20]
  • Find a PNC Bank

Regions Bank

  • Handwritten checks cashed for (including for non-customers): Any type[21]
  • Non-customer check cashing fees: 1% to 4% of the total check amount, depending on the type of check[21]
  • Check cashing requirements: Free Regions Now card required for non-customers to cash checks. Card requirements are a valid Social Security number and photo ID, active email address, and funding source (checking account, debit or credit card).[22]
  • Find a Regions Bank

SunTrust Bank

  • Handwritten checks cashed for (including for non-customers): Any type[23]
  • Non-customer check cashing fees:[23]
    • SunTrust checks: $7 per check
    • All other checks: 1% to 3% of the total check amount, depending on check type
  • Check cashing requirements: Must show a government-issued photo ID[23]
  • Find a SunTrust Bank

TD Bank

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on TD Bank[24]
  • Non-customer check cashing fees: $7 per check[24]
  • Check cashing requirements: Must bring a government-issued photo ID[24]
  • Find a TD Bank

U.S. Bank

  • Handwritten checks cashed for (including for non-customers): US Bank-issued personal, business, and payroll checks[25]
  • Non-customer check cashing fees: $7[25]
  • Check cashing requirements: Must show a government-issued photo ID[25]
  • Find a U.S. Bank

Wells Fargo

  • Handwritten checks cashed for (including for non-customers): Personal, business, and payroll checks drawn on Wells Fargo[26]
  • Non-customer check cashing fees: $7.50 per check[26]
  • Check cashing requirements: Show a valid, government-issued photo ID[26]
  • Find a Wells Fargo

Check Cashing Stores

Check cashing stores are convenient and will typically cash any type of check in any amount, including handwritten checks. However, you may be charged a high flat fee, plus a percentage of the check. If you decide to use a check cashing store, you may want to call ahead and ask about the exact fees you will be paying at your location, since check cashing store fees can vary greatly — they’ll often charge the maximum fee allowed by state law.

ACE Cash Express

  • Handwritten checks cashed: Any type[27]
  • Check cashing fees: Vary according to check type, amount, and store location[27]
  • Check cashing requirements: Must show a photo ID[27]
  • Find ant ACE Cash Express

Check Into Cash

  • Handwritten checks cashed: Any type[28]
  • Check cashing fees: Vary according to check type, amount, and store location[29]
  • Check cashing requirements: Show your government-issued photo ID[29]
  • Find a Check Into Cash

Check ‘N Go

  • Handwritten checks cashed: Any type[30]
  • Check cashing fees: Starting at 1.99% of the total check amount[30]
  • Check cashing requirements: Valid, government-issued photo ID[30]
  • Find a Check ’N Go

Money Mart

  • Handwritten checks cashed: Any type[31]
  • Check cashing fees: Varies according to check type, amount, and store location[31]
  • Check cashing requirements: Valid, government-issued photo ID[31]
  • Find a Money Mart

Mr. Payroll

  • Handwritten checks cashed: Any type[32]
  • Check cashing fees: Vary according to check type, amount, and store location[32]
  • Check cashing requirements: Must show a photo ID[32]
  • Find a Mr. Payroll

PLS Check Cashing

  • Handwritten checks cashed: Any type[33]
  • Check cashing fees: Starting at $1 plus 1% of the total check amount[33]
  • Check cashing requirements: Must show a valid, government-issued photo ID[33]
  • Find a PLS Check Cashing

Speedy Cash

  • Handwritten checks cashed: Any type[34]
  • Check cashing fees: Starting at $2 per check[34]
  • Check cashing requirements: Must show a photo ID[34]
  • Find a Speedy Cash

United Check Cashing

  • Handwritten checks cashed: Any type[35]
  • Check cashing fees: Vary according to check type, amount, and store location[35]
  • Check cashing requirements: Must show a government-issued photo ID[35]
  • Find a United Check Cashing

Grocery and Retail Stores

While there aren’t as many grocery stores that will cash handwritten checks as there are banks and check cashing stores, you can find a few grocery stores that do. Keep in mind that grocery stores will have upper limits for check cashing, so you may need to use a bank or check cashing store for larger checks.

Food Lion

  • Handwritten checks cashed: Personal, business, and payroll[36]
  • Check cashing fees: Vary by state[36]
  • Check cashing limits: Up to $500 for personal; up to $1,000 for payroll[36]
  • Requirements: Must show photo ID[36]
  • Find a Food Lion

Find out more in our dedicated article about Food Lion’s check cashing policies.

Giant Eagle

  • Handwritten checks cashed: Personal, business, and payroll[37]
  • Check cashing fees: Vary by location[37]
  • Check cashing limits: $30 for personal checks; limits vary by location for payroll checks[37]
  • Requirements: Must have a Giant Eagle Advantage Card with check cashing privileges. There is a waiting period of three to five days for approval. Present your photo ID at any Giant Eagle customer service desk to apply for the card.[38]
  • Find a Giant Eagle

Find out more in our article about Giant Eagle’s check cashing policies.

H-E-B

  • Handwritten checks cashed: Personal, business, and payroll[39]
  • Check cashing fees: $3 for check amounts up to and including $3,000; For checks over $3,000, fees vary[39]
  • Check cashing limits: Up to $9,500[39]
  • Requirements: Valid, government-issued photo ID[39]
  • Find an H-E-B

See more in our article about H-E-B’s check cashing policy.

Kmart

  • Handwritten checks cashed: Personal, business, and payroll[40]
  • Check cashing fees: $1 or less[40]
  • Check cashing limits: Personal checks up to $500; payroll checks up to $2,000[40]
  • Requirements: Must show your photo ID and have a free Shop Your Way membership[41]
  • Find a Kmart

Market Basket

  • Handwritten checks cashed: Personal, business, and payroll. Local checks only.[42]
  • Check cashing fees: Usually 1.25% of the total check amount, although fees can vary by location[42]
  • Check cashing limits: Up to $50 for personal checks; limits vary by location for payroll checks[42]
  • Requirements: Two forms of ID; one must include a photo[42]
  • Find a Market Basket

Publix

  • Handwritten checks cashed: Personal, business, and payroll[43]
  • Check cashing fees: Usually $3 to $6 depending on check amount[43]
  • Check cashing limits: Varies by location[43]
  • Requirements: Valid, government-issued photo ID[43]
  • Find a Publix

See more in our dedicated article about Publix’s check cashing policies.

Places That Don’t Cash Handwritten Checks

In the course of our research and communications with various companies, we found that the following business do not cash handwritten checks:

In Summary

Because of the risks involved with a handwritten check, there aren’t many retail and grocery stores that will cash them; however, there are options. You can cash handwritten checks at banks like Chase and PNC, check cashing stores like Speedy Cash, and some retail stores like H-E-B and Publix. Be aware that check cashing stores often have the highest fees. The easiest way to cash a handwritten check is to take it to your own bank or to the bank or credit union upon which it was drawn.

  1. https://www.bankofamerica.com/help/faq-financial-center.go[][][]
  2. Bank of the West customer service representative[]
  3. https://www.bankofthewest.com/personal-banking/checking-accounts.html[][]
  4. BB&T customer service representative[][][]
  5. BMO Harris customer service representative[][][]
  6. Chase Bank customer service representative[][][]
  7. https://www.chartway.com/connect/member-help.html[][][]
  8. Citibank customer service representative[][][]
  9. Citizens Bank customer service representative[][][]
  10. Connexus customer service representative[][][]
  11. Fifth Third Bank customer service representative[][][]
  12. First National Bank customer service representative[][][]
  13. HSBC customer service representative[][][]
  14. KeyBank customer service representative[]
  15. https://www.key.com/personal/checking/key-bank-plus-check-cashing.jspCashing[][]
  16. M&T Bank customer service representative[][][]
  17. Mountain America Credit Union customer service representative[][][]
  18. Navy Federal customer service representative[][][]
  19. PenFed customer service representative[][][]
  20. https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/service-charges-standard-checking-A.pdf[][][]
  21. https://www.regions.com/personal_banking/now_banking_check_cashing.rf[][]
  22. https://www.regions.com/personal-banking/debit-gift-cards/now-card[]
  23. https://www.suntrust.com/personal-banking/additional-services/check-cashing[][][]
  24. http://www.tdbank.com/tdhelps/default.aspx/how-much-do-you-charge-a-fee-for-non-customer-check-cashing/v/39014717/[][][]
  25. https://www.usbank.com/index.html[][][]
  26. https://www.wellsfargocommunity.com/s/[][][]
  27. https://www.acecashexpress.com/check-cashing[][][]
  28. Check Into Cash customer service representative[]
  29. https://checkintocash.com/store-services/check-cashing/[][]
  30. https://www.checkngo.com/check-cashing.aspx[][][]
  31. https://www.moneymart.com/check-cashing[][][]
  32. Mr. Payroll customer service representative[][][]
  33. http://pls247.com/tx/money/check-cashing.html[][][]
  34. https://www.speedycash.com/check-cashing/[][][]
  35. http://www.unitedcheckcashing.com/check-cashing[][][]
  36. https://www.foodlion.com/customer-service/policies-and-guarantees/[][][][]
  37. https://www.gianteagle.com/About/Policies/[][][]
  38. https://www.gianteagle.com/Save/Giant-Eagle-Advantage-Card/[]
  39. https://www.heb.com/static-page/check-cashing[][][][]
  40. https://www.kmart.com/en_us/dap/moneyhub/check-cashing.html[][][]
  41. https://www.shopyourway.com/kmart[]
  42. Market Basket customer service representative[][][][]
  43. http://www.publix.com/faq/customer-service[][][][]

22 comments

  • Hi I need to case a rent check but it’s Sunday and bank is closed will Publix cash a personal check that the guy renting my basement gave me
    ? ?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Wesley,

      We contacted the Teeter Harris at the Shops at Morrison Plantation and were told they do not offer any check cashing services at that location.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Rick,

      Unfortunately, due to the volume of comments we receive, we cannot respond to individual questions. Sapells is limited to one store in Lakewood, OH. You can contact them at (216) 529-1770 to learn more about their check cashing policies.

  • I want to no if there are any places in columbus ohio that will cash a hand written bussiness check and hold it for 3 days for a fee

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Joe,

      Unfortunately, due to the large volume of questions we receive, we are not able to respond to individual questions. Your best bet is to try a local check cashing business. Good luck!

  • Jay harper says:

    Im on vacation in las vegas and have run our of pocket cash where could I cash a hand written check to Myself?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Jay,

      If there isn’t a branch of your issuing bank in Vegas, then it would be best to find one of the stores listed above (Kmart, Publix, etc.) that is convenient to your location. These stores will likely have lower fees than a check cashing store. If you don’t have one of these options available, a check cashing store will be the best bet. And there’s no short supply of those in Las Vegas! Hope this helps!

  • If I’m not a member at Kmart will I be able to cash my check from my grandmother that day

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Mike,

      Kmart does not require any type of membership to cash checks; as long as your check is under the $500 limit for two-party checks, you should be able to cash it. I recommend calling ahead to the Kmart where you hope to cash it if you have additional questions. I hope this helps!

      • Hi, my Kmart required me to be a member of their savings program in order to cash my check.

        • Rebecca Turley says:
          First Quarter Finance logostaff

          Hi Emily,

          You’re right! You must be a Shop Your Way member to cash a check at Kmart. We have updated the article to reflect this information. Thank you so much for your insight!

      • The only issue with Kmart that i found was that if the check is 30 or more days old they will not cash it. Which is absurd, since I’m 1 of their members.

        • Kathleen Wilson says:
          First Quarter Finance logostaff

          Hi CG,
          You’re right that you have to be a member in order to cash a check with Kmart. I’m sorry you were unable to cash your check that was more than 30 days old. Individual stores can determine their own time limits on what checks to accept — your best bet is to try cashing it at one of the other locations listed in this article.

  • Paul Kirby says:

    Where can I get a personal check cashed today, Sunday the 18th, 2016? I want to get this check cashed for Xmas and Birthday. Any ideas?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Paul,

      I apologize that I didn’t get to your comment on the 18th! Since it’s now Monday, it will likely be easier to find somewhere to cash a personal check than it would have been on a Sunday. You can always go to a branch of the issuing bank to cash the check, or you can go to Kmart, Publix, or Giant Eagle, if you have one of those stores convenient to your location. These stores will likely have lower fees than a check cashing store. If you don’t have one of these options available, a check cashing store will be the best bet. I hope this helps!

  • I receive a trust fund check every month it’s a handwritten out of state two party check where can I cash it

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi Sheila,

      I cross-referenced the stores on this post and this post and came up with this list: Kmart, Bank of America (and most other banks) ACE Check Cashing and Check Into Cash. Though at Kmart you’re limited to $500.