Short Answer: You can cash an out-of-state check at the check’s issuing bank or at a third-party check cashing location like Walmart for a fee. Fees range from a few dollars to as much as 10% of the check amount. Of course, if you’re a bank account holder, you can cash an out-of-state check at your bank free of charge. To get the funds right away, you need to have enough funds in your bank account to cover the check amount.
Where Can I Cash an Out-of-State Check?
You can cash an out-of-state check at a bank — even if you aren’t an account holder — or at a third-party check cashing location.
Banks for Account Holders and Non-Account Holders
If you have a bank account at a major bank, you can cash an out-of-state check free of charge. You can get the funds right away if have enough funds in your account to cover the check amount. If you don’t have the necessary funds, you’ll need to deposit the check and make a withdrawal from your available balance.
If you don’t have a bank account, you can cash an out-of-state check at the issuing bank (written on the check) for a fee. Check cashing fees range from $7 or $8 to 2% of the amount of the check. See our related article for the list of banks that cash checks for non-account holders.
We reached out to the following major U.S. banks and confirmed that they cash out-of-state checks for account holders and non-account holders if it is the issuing bank:
- Bank of America
- Wells Fargo
- U.S. Bank
- PNC Bank
- TD Bank
- SunTrust Bank
- Fifth Third Bank
Third-Party Check Cashing Locations
If you are not a bank account holder and/or the check was not drawn on a bank near you, you can visit a third-party check cashing location like Walmart to cash an out-of-state check.
All Walmart MoneyCenter locations offer check cashing services (including for out-of-state checks) with a maximum fee of $4 for checks up to $1,000. For checks greater than $1,000, the maximum fee is $8. Two-party personal checks up to $200 will incur a $6 check cashing fee.
Other third-party check cashing locations that will cash an out-of-state check include:
- ACE Cash Express
- An ACE Cash Express representative declined to share fee information over the phone. You’ll need to visit your nearest ACE Cash Express for details on fees.
- Check-cashing fees start at around $3, depending on the type of check and the amount of the check.
- Check Into Cash
- A Check Into Cash representative declined to share fee information over the phone. You’ll need to visit your nearest Check Into Cash for details on fees.
- Check cashing fees at CFSC are 1.9% for checks less than $1,000 and 2% for checks over $1,000.
- The Check Cashing Store
- Check cashing fees range from about $5 to 10% of the check amount.
- Check ‘n Go
- Check cashing fees range from 2.25% to 5% of the check amount, depending on the type of check and the check amount.
- Check Cashing USA
- Fees at Check Cashing USA range from 3% to 10% of the check amount.