Where Can You Cash a Third-Party Check? 13 Options Detailed

a man and a woman hold their third party check

You can cash third-party checks at some banks, including Bank of America, Chase, Citibank, M&T, and HSBC.

You can also cash third-party checks at several check cashing stores like ACE Cash Express and The Check Cashing Store.

Expect to show proof of identity, and in some cases, both payees will need to be present. Fees may also apply.

Grocery and convenience stores don’t typically cash third-party checks.

Below, we cover what to know about third-party checks, along with where you can go to cash them. We also cover places that don’t cash third-party checks.

What Is a Third-Party Check?

Third-party checks are similar to traditional checks, except they require an extra step to cash.

Most checks involve two parties — meaning the check is made payable to one person or business from another person or business.

With a third-party check, the original payee signs over the check to a third person, allowing the third party to cash the check.

Third-party checks carry an increased risk of fraud, which is why many places are reluctant to cash or even deposit them.

If someone loses a check they’ve already endorsed, for example, it would be easy for an unintended third party to find the lost check and endorse themselves as the other payee. The bank would then be liable for any misplaced funds.

For this reason, you can expect check cashing places to have extra security measures in place for cashing third-party checks.

Two-party checks are more common. Our related research can help you find where to cash a two-party check.

How to Endorse a Third-Party Check

See how to endorse a third-party check in the video below (beneath the video is the text version):

On the back of the check, normally, the person the check is made out to (the payee) would sign the first line to cash the check.

But, with a third-party check, the payee must write “Pay to the order of X,” where X is the third party — the person or business the check is being signed over to.

The original payee then signs the second line on the back of the check.

Finally, the third-party signs their name on the third line.

It’s important to note that if you’re going to cash a third-party check, you shouldn’t endorse it until you’re in front of the cashier or teller.

Most places that cash third-party checks will want to witness your signature; some may also want the original payee present for the process.

Comparison Table

See the table below for a quick comparison of the places that cash third-party checks, then select any business name or scroll to the list below for more information.

Location Business Type Fees
Bank of AmericaBank $8 for checks over $50 (non-customers)
CitibankBank None for Citibank checks up to $5,000, then variable
Chase BankBank $10 for checks over $50 (non-customers)
Navy Federal Credit UnionCredit union None
HSBCBank None for members; unavailable to non-members
TD BankBank None for members; unavailable to non-members
M&T BankBank 2%; $3 minimum (no-customers)
First National BankBank Varies by check type
U.S. BankBank $7; U.S. Bank checks only (non-customers)
ACE Cash ExpressCheck cashing store Vary by location
Advance FinancialCheck cashing store 1% to 10%, depending on the check type
Speedy CashCheck cashing store Starting at $2
The Check Cashing StoreCheck cashing store 5% minimum
WordPress Tables Plugin

Places That Cash Third-Party Checks

Banks and Credit Unions

In general, the most reliable way to cash a third-party check is to bring it to a bank or credit union.

Your own bank or credit union may be able to help you, though the specifics of its policy may vary by location. In some cases, whether or not you can cash or deposit the check will be up to the discretion of the branch manager.

Apart from your own bank, you may also be able to cash a third-party check at the issuing bank or credit union the check was drawn upon. However, most banks will charge a fee for cashing a check if you’re not an account holder.

You should always make the deposit in person (rather than through an ATM or mobile deposit) and bring a valid, government-issued photo ID.

Every bank and credit union has different policies in place. It may be best to call your local branch and ask directly about how it handles cashing and/or depositing a third-party check before you make the trip.

We’ve ordered the list below starting with the best overall options. See our related research for an additional list of banks that accept third-party checks.

Bank of America logo

1. Bank of America

  • Conditions for third-party checks: Approval is at the discretion of the Financial Center manager at each Bank of America location. All payable parties may be required to endorse the check. Verification of endorsements through an endorsement guarantee or personal identification may be required.[1] Deposits must be made in person, not through mobile check deposit.[2] See our related research for an in-depth look at Bank of America’s third-party check policy.
  • Fees for non-customers: $8 for checks over $50[3]
  • Find a location

Citibank logo

2. Citibank

  • Conditions for third-party checks: Non-customers can only cash checks drawn on Citibank. Citibank customers can only cash checks up to the available checking account balance; the rest may be deposited. Original endorsement may require verification or guarantee.[4]
  • Fees for non-customers: Free for Citibank-issued checks up to $5,000[4]
  • Find a location

Chase Bank logo

3. Chase Bank

  • Conditions for third-party checks: Non-customers may only cash third-party checks drawn on Chase. Endorsements must be properly placed; checks that aren’t properly endorsed may incur costs, losses, or expenses.[5]
  • Fees for non-customers: $10 for checks over $50[5]
  • Find a location

Navy Federal Credit Union logo

4. Navy Federal Credit Union

  • Conditions for third-party checks: Members must sign third-party checks in the presence of a teller for cash or deposit. Non-members may cash third-party checks drawn on NFCU if both parties are present for in-person verification.[6]
  • Fees for non-customers: Free[6]
  • Find a location

HSBC logo


  • Conditions for third-party checks: All payable parties may be required to endorse the check. Verification of endorsements through an endorsement guarantee or personal identification may be required.[7]
  • Fees for non-customers: Unavailable to non-customers; no fee for customers[8]
  • Find a location

TD Bank logo

6. TD Bank

  • Conditions for third-party checks: Available to members only; receiving member must visit their local TD Bank with the check’s signee to fill out required documentation.[9]
  • Fees for non-customers: Unavailable to non-customers; no fee for customers[9]
  • Find a location

M and T Bank logo

7. M&T Bank

  • Conditions for third-party checks: All parties must be present with valid IDs.[10]
  • Fees for non-customers: 2% of the total check amount (minimum fee of $3, maximum fee of $20)[10]
  • Find a location

First National Bank of Omaha logo

8. First National Bank of Omaha

  • Conditions for third-party checks: Checks must be drawn off of an FNBO account; account holder doesn’t have to be present[11]
  • Fees for non-customers: Varies by check type[11]
  • Find a location

US Bank logo

9. U.S. Bank

  • Conditions for third-party checks: Account holders must cash or deposit third-party checks in person at a U.S. Bank branch.[12][13]
  • Fees for non-customers: $7; non-account holders can only cash checks drawn on U.S. Bank.[14]
  • Find a location

Check Cashing Stores

One important thing to keep in mind about check cashing stores is that there’s always a fee associated with cashing a check. We’ve listed the check cashing stores that accept third-party checks, along with typical fees where available. However, in most cases, the fees will vary according to the check type and amount. As above, we’ve ordered the list below starting with the best options.

ACE Cash Express Logo

1. ACE Cash Express

  • Conditions for third-party checks: Both parties may be required to verify endorsements; requirements vary by store.[15]
  • Check cashing fees: Vary by location, check type, and amount[15]
  • Find a location

Advance Financial logo

2. Advance Financial

  • Conditions for third-party checks: The third party must endorse the check(s) in person; verification of the original endorsement may also be required.[16]
  • Check cashing fees:
    • Up to about 3% of total check amount for payroll and government checks; minimum fees of $3 for payroll and $2 for government checks[17]
    • 10% of total check amount for personal checks and money orders; minimum fee of $5[17]
    • 1% to 5% of total check amount for all other checks; minimum fee of $5[17]
  • Find a location

Speedy Cash logo

3. Speedy Cash

  • Conditions for third-party checks: Speedy Cash will verify the original payee and issuing bank by phone when you cash the check.[18]
  • Check cashing fees: Starting at $2[19]
  • Find a location

The Check Cashing Store logo

4. The Check Cashing Store

  • Conditions for third-party checks: You must provide a valid ID. It’s best to contact your nearest The Check Cashing Store for details before going in to cash your check.[20]
  • Check cashing fees: Negotiable minimum of 5% of the check with no other flat fees[20]
  • Find a location

Places That Don’t Cash Third-Party Checks

The following businesses typically don’t cash third-party checks, as confirmed by customer service representatives.

Note that in most cases, banks that don’t cash third-party checks will allow account holders to deposit third-party checks at a teller (not at an ATM or through mobile banking).

Banks and Credit Unions

  • Allied Federal Credit Union
  • Ally Bank
  • Bank of the West
  • Charles Schwab
  • Citizens Bank
  • Connexus Credit Union
  • Discover Bank
  • KeyBank
  • PenFed Credit Union
  • Regions Bank
  • Wells Fargo

Check Cashing Stores

  • Check Into Cash
  • Check ‘N Go
  • Community Financial Services Center (CFSC)
  • Friendly Check Cashing
  • Money Mart
  • Mr. Payroll
  • Pay-O-Matic
  • PLS Check Cashing
  • United Check Cashing

Grocery and Convenience Stores

Although some grocery stores and convenience stores provide check cashing services, none of them, including Walmart, will cash third-party checks.

You can find out more about cashing other types of checks at Walmart in our research on Walmart’s check cashing policies.

  1. https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/[]
  2. https://www.bankofamerica.com/online-banking/mobile-check-deposit-faqs/[]
  3. https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/[]
  4. https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf[][]
  5. Chase Bank customer service (800) 935-9935[][]
  6. NFCU customer service (888) 842-6328[][]
  7. https://www.us.hsbc.com/account-opening/online-disclosures/[]
  8. HSBC Facebook Messenger chat[]
  9. TD Bank Facebook Messenger chat[][]
  10. M&T Bank Facebook Messenger chat[][]
  11. FNBO Facebook Messenger chat[][]
  12. https://onlinebanking.usbank.com/USB/CMSContent/pdf/DashBoard/check-storage-destruction.pdf[]
  13. https://www.usbank.com/customer-service/knowledge-base/KB0069412.html[]
  14. U.S. Bank Facebook Messenger chat[]
  15. ACE Cash Express customer service (866) 223-2274[][]
  16. Advance Financial branch customer service representatives[]
  17. https://www.af247.com/services/check-cashing[][][]
  18. Speedy Cash branch customer service representatives[]
  19. https://www.speedycash.com/check-cashing/[]
  20. The Check Cashing Store Facebook Messenger chat[][]


  • John S

    I live in Australia and have a Suntrust bank check for $US1000. I would like to sign this over to my sister who lives in the US to pay into her Patelco bank account. This would save me time and charges here in Australia.
    a.Is it likely the banks would accept this process and if not would there be charges associated with any refusal?
    b.Who has most to lose? The bank accepting the check or the Payers bank (Suntrust)?
    c.Do you think it would be tricky to get another check issued in my sisters name?
    If its likely it wont be accepted I may be better off just wearing the charges and send her the money another way.
    Great site by the way
    Cheers John

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi John,

      Paleco reserves the right to refuse to accept third party checks for deposit: “If an item is not payable to you but has been endorsed over to you by a third party payee, we reserve the right to refuse to accept the item for deposit to your account or to require that the third party payee’s financial institution guarantee the third party’s endorsement.” You can find that info on page ten of their membership agreement. Paleco doesn’t state why they would refuse a third party check, so you should ask your sister to contact Paleco and see if they’re willing to accept the check. She can reach member services at (800) 358-8228. Paleco will have more to lose, and might pass that on to your sister as returned check fees if the check bounces. And generally checks can’t be reissued in someone else’s name, but this depends on what kind of check it is and who issued it.

  • Marie

    Hi, so my brother received a check which he claimed from his insurance company due to his past car accident. But he endorsed it to me before he left out of the country for a vacation and he’s not coming back for awhile. He can’t be here if they ask his presence. My problem is the check will expire soon so he called me to cash it out now or deposit it to my bank account, but I have Well’s Fargo and they don’t allow deposit or cash out third party check. I’m from Los Angeles, California. Do you guys know where can I cash out a third party check?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Marie,

      I wish I had an answer for you; unfortunately, most banks will require your brother to be present for the check to be deposited or cashed. The only other route I would suggest is to try a check cashing company, as many of these companies will cash hard-to-cash checks, such as third-party checks. However, be aware of the steep fees they charge to cash checks.

  • BillSF8c

    Your Item 11: US Bank, may be erroneous. Your link to US Bank to confrm they take 3rd oarty checks onky seens to menrion Deposits by “camera” where they Do Not Take 3rd Party Checks.

    I had lenghty discussions with a local branch (&manager, who also called fir i strucrion,) ci firmed that US Bank dies Not Take 3rd Part Checks… while pboni g the bank card number co firms tbat they DO take them at local branches… but 4 cakls 4 varying answers. Final call was w a suoer who said they DO. The Bank MGR should call Retail for support for how to.

    Meanwhile the check, well, a legally cashable facsimlie, will be returned… perhaps by Monday. There went the weekend and 1/2 day’s pay for Friday afternoon off to get going early.

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Thanks, Bill, great catch. You’re correct about the link — by mobile, customers cannot deposit third party checks. We called US Bank to confirm that they do accept third party checks, but only from customers and only in person at a branch. We’ve updated the article to reflect these clarifications.

  • Paris

    Because I don’t have ID I was planning to have my Check signed over to someone else so they could cash it and give me the money but that someone wrote his name on the check first… Is this check unable to be cashed?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley


      In most cases, you need to be present and show ID when someone else cashes a check for you.

  • Philip K

    My father passed away and I’ve just recieved a life insurance check for 10,000$. Unfortunately my ID was stolen and I currently do not have a bank account. I have a trusted friend with a Chase account (which is the bank that issued the check). Will they allow me to endorse such a large check to someone to cash for me? Would it only be possible for them to deposit it and wait for it to clear? Or does my lack of ID make it unlikely the would accept it at all? I have my birth certificate, SS card, old passports from when I was a child and an old drivers license that expired almost 10 years ago, but I don’t think any of that would be accepted. What do you think is my best option?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Philip,

      It is unlikely that Chase would allow that, given your lack of ID. I strongly recommend opening up a bank account of your own and depositing this check.

  • Rachel

    I just got turned down by a counter teller at Bank of America where I tried cashing a check made out to my husband who signed it over to me. My husband was even present but I was told flat out they do not accept third party checks. I asked if I could deposit it and was told no. I have way more in the account than the check was for. I could swear I deposited third party checks there before so I’m kind of at a loss. Not sure if it is a new policy.

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Rachel,

      According to Bank of America, “We may require that checks and other items you want to deposit or cash be endorsed by all parties
      to whom the items are payable. We may require verification of any endorsement through either an
      endorsement guarantee or personal identification.” This information was obtained through Bank of America’s Deposit Agreement and Disclosures pamphlet dated April 2017. I would definitely return to your Bank of America branch and ask to speak to a manager to clarify their policy.

      • Rachel

        Thank you. I did read that but didn’t know if they possibly updated their policy. I hadn’t had the chance to push it any farther yet but will report back when I do. The odd thing is that normally the teller, whom had been there since I became a customer a long long time ago, is always very cheerful and was happy to do whatever transaction I asked. This time she was a bit hostile, maybe because I was a bit upset, I don’t know. I don’t like when a bank makes you feel like a criminal for trying to get some cash.

  • Michael

    Hi, I have a check from the insurance ccmpany because a few months ago we had a storm come thru with some hail. Our car wash hit several times and caused some dents in our car. We filed a claim and received a check from the insurance company with my name and my wife’s name but, it also has the company that finance the car as well.
    How can we cash the check so we can get the ball rolling on getting our car fixed?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Michael,

      I am unaware of an insurance check that would be written to both you and the finance company. I strongly recommend contacting the finance company and asking which route to take so you can get the check deposited and get the repairs you need.

  • Farrah

    I have a settlement check received to my former business name. This settlement check is for $25,000. The settlement has taken 10 years to receive, I had actually given up that anything would ever be settled and closed out by business name. I was told by a friend who works in a credit union that I will need to re-open my former business name so that I could have a dba to deposit this check. I bank with Chase. I have also been told I will need to open a business account to deposit this check. I want to make sure I do everything correctly. I think my check is too large to cash at check cashing service $25,000. Would someone please provide legal advise on what is needed to either deposit this check with Chase and/or cash at a check cashing service. I will have proper documentation that states the company name is my business name (corporate documents that are registered with the state, etc.). What else do I need?

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Farrah, while we can’t give you legal advice, one thing you can do is check with the specific bank you’d like to cash your check with. You can see Chase’s info about third party checks here (though calling would probably be best: 1-800-935-9935). What verification is needed varies slightly by the financial institution cashing the check. Best of luck cashing your check!

  • Damian

    Hi ! My mother received a check from Pruco Life Insurance Company (Wells Fargo bank). Can she endorse the check so I can deposit it in my Chase Checking account? What does she needs to write on the endorsement area? Thanks!

    • Stacy D. Adams

      My fiance has a check from his previous apartments he moved out of, and NO ONE will cash this check! He was turned down by CERTEGY three times at 2 different places… I dont know who to go to that will cash this check, the property management company said they ran several checks to make sure, but its a perfectly good check with sufficient funds, coming out of a corporate bank account. So it doesnt make sense that Certegy keeps refusing to approve cashing it. Does anyone know where i can cash this check that i havent tried already? My wedding reception/belated honey moon is on a cruise thats leaving in 36 hours, and this check was supposed to be how im paying for this!

      • First Quarter Finance logo
        First Quarter Finance | Rebecca Turley


        I would ask your fiance to see if the check was drawn on a local bank and to head there to cash it. However, at this point, the property management company should issue you another check. Not being able to cash it on two separate occasions is unacceptable, and you should not be stuck in this bind.

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Damian,

      On the back of the check, your mom will write ‘Pay to the order of’ on the first line, your first and last name on the second line, and then her signature on the third line. You will endorse it underneath that. If you cash the check (instead of depositing it), she will likely need to be present.

  • LovelyRose

    I requested a check from paypal using my available funds in my account since i don’t have a bank account this was my only option. I received my check from paypal and it has wells fargo as the bank. Problem is i don’t have a wells fargo bank near my location in Michigan. I tried cashing my check at walmart and bank of america and they couldn’t cash it. Im lost i don’t know where to go to cash my check. Any help would be greatly appreciated.

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi there!

      I wish I had an answer for you, but unfortunately, cashing a check without a bank account is unlikely, unless you can cash it at the bank it was drawn on. My only recommendation is to sign it over to a trusted friend or family member and have them cash it on your behalf at their bank (you’ll need to be present). Hope this helps!

  • Unpredictable

    Was wondering, if one gets a check from a business payable to his business, and then wants to give it to my business, is that all the same?
    Or your article is for personal checks only?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi there!

      In this case, it would work like any other third-party check. The person who owns the business would need to endorse the check to you and then you can take it to your bank and deposit or cash it. Keep in mind that the person who endorsed it over to you may need to be present when you cash it at your bank.

  • Jenny

    My son is in jail and won’t be out for awhile. He just received a Well’s Fargo Class Action settlement check for under $50. I can have him endorse it thru his atty, but I have an online bank that won’t take 3rd party checks. I’m in CA. Any suggestions?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Jenny,

      Your best bet is to visit a Wells Fargo branch near you (you can find a list of branches here: https://www.wellsfargo.com/locator/search/California__City_CA/) and ask about their third-party check cashing requirements. You may have to pay a fee to cash the check if you aren’t a customer.

      • Jenny

        Thank you for your info, however Wells Fargo advised me he must be present with an ID. I explained the situation and was told ‘sorry that’s our policy’.

        • First Quarter Finance logo
          First Quarter Finance | Rebecca Turley

          Hi Jenny,

          I am so sorry that you’re experiencing this aggravation with cashing the check! I contacted a Wells Fargo representative and you’re right — Wells Fargo no longer accepts third-party checks unless both parties are present. I received this response from them: “Wells Fargo may refuse to accept any item for deposit unless we are able to verify that all of the necessary endorsements are present on the check. For example, we may require that all endorsers be present at the time that a check is presented at a bank teller for deposit.” I will update the article to reflect this Wells Fargo policy.

  • Rob

    Fifth Third Bank no longer accepts third-party checks that have been signed over. Both parties must be present.

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      I contacted a representative from Fifth Third Bank and learned that you are absolutely correct; Fifth Third Bank requires both parties to be present when handling a third party check. I’ve updated the article accordingly. Thank you so much for letting us know!

  • Denise J Clark

    My husband is about to receive a $15,000.00 check from an attorney’s office. This is a distribution from an estate settlement. Do to my husband’s credit history he is unable to open a bank account. We have been using visa payroll card’s that only accept our payroll deposits. I plan on opening a bank account so I can deposit my husband’s check from the estate. Which bank in Florida would you recommend where I can have my husband endorse the check to me so I can deposit it as a third party check. I live in Pensacola Florida. The only bank I can not do business with is bank of America due to a joint bank account I was on with my husband. Thank you in advance for a list of bank’s that accept third party check’s in my location.

    • Zoe

      If you found a bank that excerpts third party checks please let me know. I’m in Pensacola fl

      • First Quarter Finance logo
        First Quarter Finance | Hillary M. Miller

        Hi Zoe,

        As I mentioned in my comment to Denise, SunTrust, Chase, and Wells Fargo are all banks that generally accept third party checks and have a presence in the Pensacola area. Just keep in mind that you’ll either need to have an account at one of those institutions or the check will need to be drawn from one of those institution in order to cash a third party check (or any other check) there. I hope this helps!

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Denise,

      First of all, I apologize for the slow response to your comment! It seems that something went awry and I didn’t receive a notification for your post.

      As far as banks that will cash a third party check in your area, Wells Fargo has several Pensacola branches that may be a good option for you. Chase also has numerous branches in Pensacola and will generally cash third party checks (as long as they’re correctly endorsed). SunTrust Bank is a third option with a Pensacola branch (although be sure to verify with a representative about cashing your particular check, as additional verification may be required). I hope this helps!

    • Stacy D. Adams

      I bank at Chase currently (today is 06/08/2017) and my bank gas accepted 2 or 3 third party checks that i cashed for my fiance, who doesnt have a bank account. I actually LOVE Chase… i have banked with 1st Bank, Wells Fargo and one other small time place when i was a trenager… but the ONLY ONE that doesnt have me ripping my hair out and regretting my choice to bank there is CHASE. They are amazing!! But at Chase, you HAVE TO MAKE SURE its properly endorsed as a 3rd party check, thats what they SEEM TO CARE THE MOST ABOUT when i cashed mu fiance’s checks.

      • Kimberly

        My fiance doesn’t have an Id would chase still cash his payroll check if I had him sign it over to me?

        • First Quarter Finance logo
          First Quarter Finance | Rebecca Turley

          Hi Kimberly,

          Chase will require your finance to be present when you cash the check and will also likely require him to show a valid ID. You can get around this by depositing the check in your account instead of cashing it.

  • Tara ilic

    Bank of America withdrew my third party check that I deposited (after I paid a bunch of bills to pay a week later) and wouldn’t let me cancel the payments. Bank of America has caused a major headache, and a ton of overdraft fees because they didn’t allow the third party check to be cashed and wouldn’t allow me to cancel my payments 4 days before the scheduled payment dates. I am an account holder at Bank of America but will be going to another bank tomorrow to open and account because of how unhappy I am with Bank of America

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Tara,

      Sorry to hear about all the trouble that you had with your third party check at Bank of America! That definitely does sound like a headache. Is it possible that your deposit was made through a mobile app or through an ATM? Unfortunately, numerous customers have had similar experiences with banks rejecting checks that were not deposited/cashed at the counter of a physical bank branch. I’ve gone ahead and made a note in the article to clarify this point so that hopefully other banking customers can avoid this problem. Thank you very much for writing in with your experience, and I hope you have better luck with your new account!

  • Sam Jumper

    I’m at WellsFargo bank branch in Houston, TX. I presented a 3rd party check that I wanted to deposit in my account. All 3 parties have Wells Fargo accounts for many years in good standing. They refused to allow me deposit or cash. I complained to the manager but they still refused. They claimed it was their policy but when I asked to see written proof of the policy, they would not produce it. In the end, I had to ask for a new check made out to me.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Sam,

      Thanks for writing in about your experience with Wells Fargo. I have reached out to Wells Fargo customer support to find out whether your experience was unique and specific to that branch, or if this is a policy across all Wells Fargo branches. If the policy of rejecting third party checks is standard across all Wells Fargo branches, I will update the article accordingly. Again, I’m sorry to hear about the inconvenience you experienced while trying to cash your check and thanks for bringing this to our attention!

    • Name* (displayed publicly)

      So did you get the check so if yes let me know and if they cashed it at the bank or where were you able to cash it at also did they send it back to you in the mail or you just screwed do you think I can cash a check three party cashier’s check that was sent back to me after the bank withdrew the money off my check in the Bank off my account sent me a copy of the cashier’s check with my account number on it said I can cash it where can I cash it at

      • First Quarter Finance logo
        First Quarter Finance | Sarah Quinn

        Hi there! It sounds like you may first want to contact your bank to find out more about their policies and whether you’ll be able to cash the cashier’s check you received with them. If they aren’t able to cash it for you, then I recommend reviewing our list, above, of third party check cashing locations and confirming the availability of this service with your most convenient location. I hope this helps!

  • Asnath Colson

    I wish I read this article before I wasted my time driving around to be told go to this or that check cashing down the street. And nothing. One of the clerks told me that only banks cash third party checks-from my sister to me. I had no idea. I thought I needed to have an account or the bank that issued the check… Yea, I’ll call before I go anywhere. I was asking myself earlier today: why didn’t u call the places? No more frustrating search for 3rd party check cashing place.

    • Matt

      Your situation sounds exactly like mine, what did you end up doing to get your check cashed, as it would be very helpful to me.

      • First Quarter Finance logo
        First Quarter Finance | Laura Bachmann

        It definitely can be a hassle to cash a 3rd party check if you don’t know where to go. Matt, I hope this article gave you the info you needed to get your check cashed! As Asnath stated, you don’t necessarily need to be a member of the bank where the check was issued or even have a bank account to cash a 3rd party check. Best of luck cashing your check, and feel free to let us know if you run into any trouble.

  • MommaTimesThree

    What about credit unions and their ATM’s as a point of deposit? I have a check made out to my husband only, not me, that he has signed which is a refund from overpayment on our son’s college tuition. Why they do not just apply the balance beats me. Can’t I just sign then deposit that check into my credit union’s ATM? We are not fortunate enough to work banker’s hours or less so getting to a bank between 9A and 5P is not a luxury we have. Husband’s bank requires a 5-10 day hold on any funds from outside institutions, even from state universities – We learned this last semester.
    And no, I will never leave NC State Employees Credit Union so opening another account will not happen. *aheem* Wells Fargo, looking at you.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller


      Whether a bank or credit union will accept third party checks by ATM depends entirely on that institution’s policies. Many places will return a third party check deposited by ATM and charge a service fee. Unfortunately, I couldn’t find anything disclosed online about how NC State Employees Credit Union specifically would handle this situation, so if it’s possible, I would recommend calling the credit union and asking them directly to avoid the trouble of potentially having the check returned.

      • MommaTimesThree

        Thanks for the response! Depositing it into my husband’s account seems to be the best avenue. The university will just get this amount back for his next semester; Issuing a refund to just him rather than both of us (joint account pays the tab!) is a little unusual. If I’d known this was so common I would’ve opened an account just for his tuition and bookstore tab!

  • Sabine

    My Mom received a tax Return check fron the US treasury. We both live in Germany. I am on vacation in Florida right now and would like to Cash the check. She wrote ” pay to the Order of” and my Name below. She also signed it. Could you let me know which place you would recommend to Cash the check. We both don’t have an Bank Account here in the US.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Sabine,

      Interesting question! It looks like MoneyMart might be a good option for you — they have locations in Florida (under the name The Check Cashing Store). You can use The Check Cashing Store’s location finder to find out if there’s a location near you. Unfortunately, it doesn’t look like Speedy Cash has locations in Florida, so The Check Cashing Store will probably be your best option for getting your check cashed without a bank account. Best of luck!

      • Sabine

        Hi, thank you for your response. i tried to cash the check there but was told that they cannot accept checks which were signed over to another person if they are tax return checks.
        So I had to take it back home and cash it here in Germany. My bank had no problem with cashing it even though it was my moms tax return. Cost me a larger fee but at least we got the money 🙂 the Lady at the check cashing store said the only possibility for me to Cash such check would be to call the US treasury and asked to issue a new check to my name. Just wanted to let you know the outcome of my Story 😉

        • First Quarter Finance logo
          First Quarter Finance | Hillary M. Miller

          Hi Sabine,

          Thank you for writing in with the update! It’s too bad that the check cashing store wouldn’t cash the check for you, but I’m glad you got it taken care of in the end. (I hope you had a great trip in the States!)

  • Stephanie

    I would recommend NOT using Chase to deposit a third-party check, especially if you need that money in a timely manner. My account there was restricted (one step before closure) for depositing a check written out to, and endorsed by, my husband. Chase made no attempt to alert me; my card was simply declined the next time I tried to use it. They were very rude on the phone as well, and their outsourced call center employees were very difficult to understand.

    • Dsniel Podhany sr

      Vystar credit union will not accept a 3rd party check even though I have an account there and had funds in my account that was was 10 times more than the check I tried to deposit.

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