Where Can I 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.

In This Article

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.

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 include 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
  • Non-customer check cashing fees: $8 per check
  • Check cashing requirements: A valid photo ID and one other form of ID
  • Source: Bank of America FAQ and customer service
  • Find your nearest 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
  • Non-customer check cashing fees: Free for checks under $50 or checks drawn on a government account; $7.50 for all other checks
  • Check cashing requirements: Valid, government-issued photo ID
  • Source: Bank of the West’s fee schedule and customer service
  • Find your nearest 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
  • Non-customer check cashing fees: Free for checks up to and including $50; $8 for checks more than $50
  • Check cashing requirements: Must show a government-issued, valid photo ID
  • Source: BB&T’s customer service department
  • Find your nearest BB&T Bank

BMO Harris Bank

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

Chase Bank

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
  • Non-customer check cashing fees: $3 or 2% of the total check amount, whichever is greater
  • Check cashing requirements: Must show a government-issued photo ID
  • Source: Chartway Federal Credit Union general FAQ
  • Find your nearest 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.
  • 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.
  • Check cashing requirements: Must show two forms of ID, including one with a photo
  • Source: Customer service
  • Find your nearest 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
  • Non-customer check cashing fees: $7 per check
  • Check cashing requirements: Valid, government-issued photo ID
  • Source: Customer service
  • Find your nearest Citizens Bank

Connexus Credit Union

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

Fifth Third Bank

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

First National Bank

  • Handwritten checks cashed for (including for non-customers): First National-issued personal and payroll checks
  • Non-customer check cashing fees: $10
  • Check cashing requirements: Valid, government-issued photo ID
  • Source: Customer service
  • Find your nearest 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
  • Non-customer check cashing fees:
    • 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
  • Source: Customer service
  • Find your nearest HSBC

KeyBank

  • Handwritten checks cashed for (including for non-customers): Any type
  • Non-customer check cashing fees:
    • KeyBank branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Check cashing requirements: Valid, government-issued photo ID
  • Source: KeyBank Plus Check Cashing page and customer service representative
  • Find your nearest KeyBank

M&T Bank

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

Mountain America Credit Union

  • Handwritten checks cashed for (including for non-customers): MACU personal, business, and payroll checks
  • Non-customer check cashing fees: Free
  • Check cashing requirements: Valid, government-issued photo ID
  • Source: Customer service
  • Find your nearest MACU

Navy Federal Credit Union

  • Handwritten checks cashed for (including for non-customers): NFCU-issued personal, business, and payroll checks
  • Non-customer check cashing fees: Free
  • Check cashing requirements: Must show a valid photo ID
  • Source: Customer service
  • Find your nearest NFCU

PenFed Credit Union

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

PNC Bank

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

Regions Bank

  • Handwritten checks cashed for (including for non-customers): Any type
  • Non-customer check cashing fees: 1% to 4% of the total check amount, depending on the type of check
  • 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). Apply here for the Regions Now card.
  • Source: Regions Now Banking Check Cashing page
  • Find your nearest Regions Bank

SunTrust Bank

  • Handwritten checks cashed for (including for non-customers): Any type
  • Non-customer check cashing fees:
    • 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
  • Source: SunTrust Bank Cash Checks Services page
  • Find your nearest SunTrust Bank

TD Bank

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

U.S. Bank

Wells Fargo

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

Check Into Cash

  • Handwritten checks cashed: Any type
  • Check cashing fees: Vary according to check type, amount, and store location
  • Check cashing requirements: Show your government-issued photo ID
  • Source: The Check Cashing page of CheckIntoCash.com and customer service
  • Find your nearest Check Into Cash

Check ’N Go

Money Mart

Mr. Payroll

  • Handwritten checks cashed: Any type
  • Check cashing fees: Vary according to check type, amount, and store location
  • Check cashing requirements: Must show a photo ID
  • Source: Mr. Payroll’s FAQ and calls to customer service
  • Find your nearest Mr. Payroll

PLS Check Cashing

Speedy Cash

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

Giant Eagle

H-E-B Grocery

Kmart

Market Basket

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

Publix

Places That Don’t Cash Handwritten Checks

Didn’t see your favorite store on the list above? The following is the list of other popular stores that won’t cash handwritten checks:

  • Albertsons
  • ALDI
  • BJ’s Wholesale Club
  • Copps
  • Costco
  • CVS
  • Dollar General
  • Food 4 Less
  • Food Lion
  • JayC Foods
  • Jewel-Osco
  • Kroger
  • Sam’s Club
  • Trader Joe’s
  • Walgreens
  • Walmart
  • Whole Foods
  • Winn-Dixie

In Summary

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. The easiest way to cash a handwritten check is to take it to the bank or credit union it is drawn on or to your own bank or credit union. 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. Be aware that check cashing stores often have the highest fees.

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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!

    • 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!

        • 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.