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

Handwritten checks can be somewhat difficult to cash, as they carry a higher risk than electronically written checks. Becuase of this risk, some check cashing places don’t cash handwritten checks. 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 can expect 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.

Comparison Table

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 Business Type Handwritten Checks Cashed Fee
Bank of America Bank Personal, business, and payroll checks issued by the bank $8 per check (non-customers)
Bank of the West Bank Personal, business, and payroll checks issued by the bank Free for checks under $50; $7.50 otherwise (non-customers)
BB&T Bank Bank Personal, business, and payroll checks issued by the bank Free for checks under $50; $8 otherwise (non-customers)
BMO Harris Bank Personal, business, and payroll checks issued by the bank Free for checks under $50; $10 otherwise (non-customers)
Chase Bank Bank All types $8 per check (non-customers)
Chartway Federal Credit Union Bank 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 (non-customers)
Citibank Bank 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 (non-customers)
Citizens Bank Bank Personal, business, and payroll checks issued by the bank (no third-party checks) $7 per check (non-customers)
Connexus Credit Union Credit union Personal, business, and payroll checks issued by the credit union None
Fifth Third Bank Bank All types 1% of the check amount; max $4 (non-customers)
First National Bank Bank Personal and payroll checks issued by the bank $10 (non-customers)
HSBC Bank 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 (non-customers)
KeyBank Bank All types $7 per check or 1.5% of the check amount (non-customers)
M&T Bank Bank Personal, business, and payroll checks issued by the bank 3% of the check amount; minimum $3 (non-customers)
Mountain America Credit Union Credit union Personal, business, and payroll checks issued by the credit union Free
Navy Federal Credit Union Credit union Personal, business, and payroll checks issued by the credit union Free
PenFed Credit Union Credit union Personal, business, and payroll checks issued by the credit union Free
PNC Bank Bank Personal, business, and payroll checks issued by the bank Free for checks up to $25, then $2
Regions Bank Bank All types 1% to 4% of the total check amount (non-customers)
SunTrust Bank Bank All types $7 for SunTrust checks; 1% to 3% for other checks (non-customers)
TD Bank Bank Personal, business, and payroll checks issued by the bank $7 per check (non-customers)
U.S. Bank Bank Personal, business, and payroll checks issued by the bank $7 per check (non-customers)
Wells Fargo Bank Personal, business, and payroll checks issued by the bank $7.50 per check (non-customers)
ACE Cash Express Check cashing store All types Varies
Check Into Cash Check cashing store All types Varies
Check 'N Go Check cashing store All types Starting at 1.99% of the check amount
Money Mart Check cashing store All types Varies
Mr. Payroll Check cashing store All types Varies
PLS Check Cashing Check cashing store All types $1 plus 1% of the total check amount
Speedy Cash Check cashing store All types Starting at $2 per check
United Check Cashing Check cashing store All types Varies
Food Lion Grocery store Personal, business, and payroll checks Varies
Giant Eagle Grocery store Personal, business, and payroll checks Varies
H-E-B Grocery store Personal, business, and payroll checks $3 for checks up to $3,000; variable otherwise
Kmart Retail store Personal, business, and payroll checks $1 or less
Market Basket Grocery store Personal, business, and payroll checks (local checks only) Typically 1.25% of the total check amount
Publix Grocery store Personal, business, and payroll checks $3 to $6 per check

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 included details on check cashing fees and other requirements for non-customers. We’ve ordered the list starting with the best overall options.

1. Fifth Third Bank

  • Handwritten checks cashed: All types[1]
  • Fee for non-customers: 1% of the total check amount; maximum $4 fee[1]
  • Requirements: Must show a photo ID and one other form of ID[1]
  • Find a Fifth Third Bank

2. PNC Bank

  • Handwritten checks cashed: PNC-issued personal, business, and payroll checks[2]
  • Fee for non-customers: Free for checks up to $25, then $2[2][2]
  • Requirements: Must show a photo ID[2]
  • Find a PNC Bank

3. Citibank

  • Handwritten checks cashed: Personal, business, and payroll checks. Checks drawn on banks other than Citibank may be cashed at the bank’s discretion.[3]
  • Fee for non-customers: Free for Citibank checks up to $5,000. Fees vary according to check type and amount for all other checks.[3]
  • Requirements: Must show two forms of ID, including one with a photo[3]
  • Find a Citibank

4. HSBC

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on HSBC; Other handwritten checks may be cashed at the bank’s discretion[4]
  • Fee for non-customers:[4]
    • HSBC personal checks: Free
    • Other checks up to and including $100: $3 per check
    • Other checks over $100: $5 per check
  • Requirements: Must show a valid ID with a photo[4]
  • Find an HSBC

5. KeyBank

  • Handwritten checks cashed: Any type[5]
  • Fee for non-customers:[6]
    • KeyBank branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Requirements: Valid, government-issued photo ID[6]
  • Find a KeyBank

6. Bank of the West

  • Handwritten checks cashed: Personal, business, and payroll checks if issued from a Bank of the West account[7]
  • Fee for non-customers: Free for checks under $50 or checks drawn on a government account; $7.50 for all other checks[8]
  • Requirements: Valid, government-issued photo ID[8]
  • Find a Bank of the West

7. U.S. Bank

  • Handwritten checks cashed: U.S. Bank-issued personal, business, and payroll checks[9]
  • Fee for non-customers: $7[9]
  • Requirements: Must show a government-issued photo ID[9]
  • Find a U.S. Bank

8. Citizens Bank

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on Citizens Bank; Citizens Bank does not accept third-party checks[10]
  • Fee for non-customers: $7 per check[10]
  • Requirements: Valid, government-issued photo ID[10]
  • Find a Citizens Bank

9. TD Bank

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on TD Bank[11]
  • Fee for non-customers: $7 per check[11]
  • Requirements: Must bring a government-issued photo ID[11]
  • Find a TD Bank

10. SunTrust Bank

  • Handwritten checks cashed: Any type[12]
  • Fee for non-customers:[12]
    • SunTrust checks: $7 per check
    • All other checks: 1% to 3% of the total check amount, depending on check type
  • Requirements: Must show a government-issued photo ID[12]
  • Find a SunTrust Bank

11. Wells Fargo

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on Wells Fargo[13]
  • Fee for non-customers: $7.50 per check[13]
  • Requirements: Show a valid, government-issued photo ID[13]
  • Find a Wells Fargo

12. Chase Bank

  • Handwritten checks cashed: All types[14]
  • Fee for non-customers: $8 per check[14]
  • Requirements: Must show a valid photo ID[14]
  • Find a Chase Bank

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

13. Bank of America

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on Bank of America[15]
  • Fee for non-customers: $8 per check[15]
  • Requirements: A valid photo ID and one other form of ID[15]
  • Find a Bank of America

14. PenFed Credit Union

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on PenFed Credit Union[16]
  • Fee for non-customers: Free[16]
  • Requirements: Valid, government-issued photo ID[16]
  • Find a PenFed
  • Handwritten checks cashed: NFCU-issued personal, business, and payroll checks[17]
  • Fee for non-customers: Free[17]
  • Requirements: Must show a valid photo ID[17]
  • Find an NFCU

16. Connexus Credit Union

  • Handwritten checks cashed: Personal, business, and payroll checks issued by Connexus[18]
  • Fee for non-customers: Free[18]
  • Requirements: Must show a photo ID[18]
  • Find a Connexus

17. Mountain America Credit Union

  • Handwritten checks cashed: MACU personal, business, and payroll checks[19]
  • Fee for non-customers: Free[19]
  • Requirements: Valid, government-issued photo ID[19]
  • Find a MACU

18. BB&T Bank

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on BB&T accounts[20]
  • Fee for non-customers: Free for checks up to and including $50; $8 for checks more than $50[20]
  • Requirements: Must show a government-issued, valid photo ID[20]
  • Find a BB&T Bank

19. Regions Bank

  • Handwritten checks cashed: Any type[21]
  • Fee for non-customers: 1% to 4% of the total check amount, depending on the type of check[21]
  • 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

20. Chartway Federal Credit Union

  • Handwritten checks cashed: Personal, business, and payroll checks issued by Chartway, except those made payable to a business[23]
  • Fee for non-customers: $3 or 2% of the total check amount, whichever is greater[23]
  • Requirements: Must show a government-issued photo ID[23]
  • Find a Chartway

21. M&T Bank

  • Handwritten checks cashed: Personal, business, and payroll checks drawn on M&T Bank[24]
  • Fee for non-customers: 3% of the total check amount; minimum $3 fee[24]
  • Requirements: Must show a government-issued photo ID[24]
  • Find an M&T Bank

22. BMO Harris

  • Handwritten checks cashed: Personal, business, and payroll checks issued by BMO Harris Bank[25]
  • Fee for non-customers: Free for checks up to and including $50; $10 for checks more than $50[25]
  • Requirements: Valid, government-issued photo ID[25]
  • Find a BMO Harris

23. First National Bank

  • Handwritten checks cashed: First National-issued personal and payroll checks[26]
  • Fee for non-customers: $10[26]
  • Requirements: Valid, government-issued photo ID[26]
  • Find a First National Bank

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. As above, we’ve ordered the following list starting with the best overall options.

1. ACE Cash Express

2. PLS Check Cashing

  • Handwritten checks cashed: Any type[28]
  • Fee: Starting at $1 plus 1% of the total check amount[28]
  • Requirements: Must show a valid, government-issued photo ID[28]
  • Find a PLS Check Cashing

3. Check Into Cash

  • Handwritten checks cashed: Any type[29]
  • Fee: Varies according to check type, amount, and store location[30]
  • Requirements: Show your government-issued photo ID[30]
  • Find a Check Into Cash

4. Mr. Payroll

  • Handwritten checks cashed: Any type[31]
  • Fee: Varies according to check type, amount, and store location[31]
  • Requirements: Must show a photo ID[31]
  • Find a Mr. Payroll

5. Speedy Cash

6. Check ‘N Go

  • Handwritten checks cashed: Any type[33]
  • Fee: Starting at 1.99% of the total check amount[33]
  • Requirements: Valid, government-issued photo ID[33]
  • Find a Check ’N Go

7. Money Mart

  • Handwritten checks cashed: Any type[34]
  • Fee: Varies according to check type, amount, and store location[34]
  • Requirements: Valid, government-issued photo ID[34]
  • Find a Money Mart

8. 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. As above, we’ve ordered the list starting with the best overall options.

1. Kmart

  • Handwritten checks cashed: Personal, business, and payroll[36]
  • Fee: $1 or less[36]
  • Limit: Personal checks up to $500; payroll checks up to $2,000[36]
  • Requirements: Must show your photo ID and have a free Shop Your Way membership[37]
  • Find a Kmart

2. Market Basket

  • Handwritten checks cashed: Personal, business, and payroll. Local checks only.[38]
  • Fee: Usually 1.25% of the total check amount, although fees can vary by location[38]
  • Limit: Up to $50 for personal checks; limits vary by location for payroll checks[38]
  • Requirements: Two forms of ID; one must include a photo[38]
  • Find a Market Basket

3. H-E-B

  • Handwritten checks cashed: Personal, business, and payroll[39]
  • Fee: $3 for check amounts up to and including $3,000; variable or checks over $3,000[39]
  • Limit: 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.

4. Food Lion

  • Handwritten checks cashed: Personal, business, and payroll[40]
  • Fee: Varies by state[40]
  • Limit: Up to $500 for personal; up to $1,000 for payroll[40]
  • Requirements: Must show photo ID[40]
  • Find a Food Lion

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

5. Publix

  • Handwritten checks cashed: Personal, business, and payroll[41]
  • Fee: Usually $3 to $6 depending on check amount[41]
  • Limit: Varies by location[41]
  • Requirements: Valid, government-issued photo ID[41]
  • Find a Publix

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

6. Giant Eagle

  • Handwritten checks cashed: Personal, business, and payroll[42]
  • Fee: Varies by location[42]
  • Limit: $30 for personal checks; limits vary by location for payroll checks[42]
  • 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.[43]
  • Find a Giant Eagle

Find out more in our article about Giant Eagle’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:

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

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.