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, Check ’N Go, 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, so you’re not left wondering.
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 article can also 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.
See the table below for a quick comparison of the places that cash third-party checks, then click any business name or scroll to the list below for more information.
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 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. You can see our article for an additional list of banks that accept third-party checks. We’ve ordered the list below starting with the best overall options.
1. Bank of America
- Conditions for third-party checks: Cashing and depositing third-party checks are handled on a case-by-case basis. Approval is at the discretion of the Financial Center manager at each Bank of America location. Both parties need to be present to deposit a third-party check. 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
- Find a Bank of America
- 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.
- Fees for non-customers: Free for Citibank-issued checks up to $5,000
- Find a Citibank
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.
- Fees for non-customers: $8 for checks over $50
- Find a Chase Bank
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.
- Fees for non-customers: Free
- Find an NFCU
- Conditions for third-party checks:
- Fees for non-customers: Free for personal checks. Business check fees are $3 for checks up to $100 and $5 for checks over $100
- Find an HSBC
Non-customers may only cash personal and business checks drawn on HSBC. Endorsements must exactly match the names on the check. You may be charged for items returned for any reason, including improper endorsement.
6. SunTrust Bank (Now Truist)
- Conditions for third-party checks: All endorsements may require verification. Both payees must be present with proper identification.
- Fees for non-customers: Typically, free for SunTrust checks under $50; $7 for SunTrust checks $50 and up. All other checks: 1% to 3% of the total check amount.
- Find a SunTrust Bank
7. BB&T (Now Truist)
- Conditions for third-party checks: Non-customers may only cash third-party checks drawn on BB&T.
- Fees for non-customers: Free for checks up to $50; $8 for checks over $50
- Find a BB&T
8. TD Bank
- Conditions for third-party checks: TD Bank recommends that you contact your nearest branch to discuss requirements for cashing specific third-party checks.
- Fees for non-customers: $7
- Find a TD Bank
9. M&T Bank
- Conditions for third-party checks: Non-customers may only cash third-party checks drawn on M&T. Both the original payee and third party must be present for in-person verification.
- Fees for non-customers: 2% of the total check amount (minimum fee of $3, maximum fee of $20)
- Find an M&T Bank
10. First National Bank of Omaha
- Conditions for third-party checks: Third-party check cashing is handled on an exception basis for non-account holders. Independent verification may be required for each endorsement.
- Fees for non-customers: $5 per check
- Find a First National Bank of Omaha
11. 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.
- Fees for non-customers: $7; non-account holders can only cash checks drawn on U.S. Bank.
- Find a U.S. Bank
12. Connexus Credit Union
- Conditions for third-party checks: The third party (payee) must endorse the check in the presence of bank personnel.
- Fees for non-customers: Check cashing is only available for Connexus members.
- Find a Connexus
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.
1. ACE Cash Express
- Conditions for third-party checks: Both parties may be required to verify endorsements; requirements vary by store.
- Check cashing fees: Vary by location, check type, and amount
- Find an ACE Cash Express
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.
- Check cashing fees:
- Payroll and government checks: Up to about 3% of total check amount; minimum fees of $3 for payroll and $2 for government checks
- Personal checks: 10% of total check amount; minimum fee of $5
- All other checks: 1% to 5% of total check amount; minimum fee of $5
- Find an Advance Financial
3. Check ‘N Go
- Conditions for third-party checks: Both parties must be present for in-person verification.
- Check cashing fees: Starting at around 2% of total check amount. Specific rates vary by location, check type, and amount.
- Find a Check ’N Go
4. Speedy Cash
- Conditions for third-party checks: Speedy Cash will verify the original payee and issuing bank by phone when you cash the check.
- Check cashing fees: Starting at $2
- Find a Speedy Cash
5. The Check Cashing Store
- Conditions for third-party checks: Only some locations cash third-party checks. Contact your nearest The Check Cashing Store for details.
- Check cashing fees: Varies by location, check type, and amount
- Find a Check Cashing Store
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
- Discover Bank
- PenFed Credit Union
- Regions Bank
- Wells Fargo
Check Cashing Stores
- Check Into Cash
- Community Financial Services Center (CFSC)
- Friendly Check Cashing
- Money Mart
- Mr. Payroll
- 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 article on Walmart’s check cashing policies.
- Bank of America customer service (800) 432-1000
- Chase Bank customer service (800) 935-9935
- NFCU customer service (888) 842-6328
- HSBC customer service (800) 975-4722
- SunTrust customer service (800) 786-8787
- BB&T customer service (800) 226-5228
- TD Bank customer service (888) 751-9000
- M&T Bank customer service (800) 724-2400
- U.S. Bank customer service (800) 872-2657
- ACE Cash Express customer service (866) 223-2274
- Advance Financial branch customer service representatives
- Check ‘N Go customer service (800) 561-2274
- Speedy Cash branch customer service representatives
- The Check Cashing Store customer service (877) 460-3484