Where Can You Cash Starter Checks? Answered

Looking for a place where you can cash starter checks? It may be difficult. You can find many places that cash checks, but if you have a starter check that needs cashing, you’ll find that there aren’t as many options. We’ve called around to several dozen stores to find locations for you to be able to cash a starter check, along with the fees you will incur. Here’s what we found.

In This Article

What Is a Starter Check?

Starter checks are usually given to you when you open up a new bank account; they allow you to write checks before your printed checks arrive in the mail. Starter checks have the bank’s routing number printed along the bottom of the check just like a normal check, and depending on the bank, they may have an account number printed as well. However, the account holder’s name and personal information are generally left off.

Many stores are skeptical of starter checks because they show that the user does not have established account history.  Also, starter checks have frequently played a role in scams where bad checks were written or where counterfeit checks were designed to look like starter checks.

You may have some difficulty even paying for items with a starter check, let alone trying to cash a starter check. But we’ve found places that will cash a starter check for you. Regardless of where you go to cash a starter check, expect to need at least a government-issued photo ID to be able to confirm your identity before cashing the starter check.

If your check isn’t a starter check, see our article, Check Cashing Place near Me? 70 Places Listed: Kmart, Kroger, etc.

Places Where You Can Cash a Starter Check

Banks and Credit Unions

Where can you cash starter checks? Your first option for cheaper starter check cashing should be to either go to a bank where you currently have an account or the bank where the starter check is from. The following banks verified with us that they will allow starter check cashing only if you either have an account with the bank with funds to cover the amount of the check you are cashing or if the starter check is drawn from an account at the bank.

The fees listed below are if you don’t have an account with that bank but are cashing a starter check drawn from an account at the bank. Check cashing services are free at the banks below if you already have an account.

Bank of America

BB&T

BMO Harris Bank

Bank of the West

Chase Bank

Chartway Federal Credit Union

Note: Chartway Federal Credit Union will not cash your check if it is made out to a business

Citibank

Citizens Bank

Connexus Credit Union

Fifth Third Bank

Mountain America Credit Union

Navy Federal Credit Union

PenFed Credit Union

PNC Bank

SunTrust Bank

TD Bank

US Bank

Wells Fargo

Check Cashing Stores

Check cashing companies are one place where you can cash a starter check. We reached out to more than a dozen check cashing stores around the country, and the customer service representatives we spoke with from the stores below were always careful to say that, while they do cash starter checks, each check must be verified in-store.

When you bring a starter check into a check cashing store, they will attempt to verify that the person or business who wrote the check is real, the money is coming from a real bank account, and that the bank account has sufficient funds. If the starter check doesn’t pass the store’s verification process, you won’t be able to cash a starter check at that location. So, while we can say that these locations detailed below are able to cash starter checks, we can’t guarantee that they’ll cash every starter check.

Check cashing companies may provide the most convenience for you to cash your starter check; however, you should know that the fees for starter check cashing at these places are likely to be high relative to banks.

ACE Cash Express

Advance Financial (Tennessee)

Amscot

Check Into Cash

PLS Check Cashing (North Carolina)

The Check Cashing Store (Florida)

Money Mart

Places Where You Can’t Cash a Starter Check

Banks

The banks below will deposit a starter check into an account but won’t cash the checks outright.

Check Cashing Stores

  • United Check Cashing (confirmed by customer service).

Retail Stores

No grocery stores will cash starter checks. In addition, these retail stores with popular check cashing services don’t cash starter checks.

  • Kmart (confirmed by customer service)
  • Walmart (See our article on Walmart Check Cashing for more info; also confirmed by customer service)

In Summary

Where can you cash starter checks? Now you know. Since starter checks have been associated with so many instances of check fraud, many businesses consider cashing starter checks too risk. For this reason, if you need to cash a starter check, it is not going to be as easy as cashing other types of checks. Your best bet for cashing a starter check is to go to the bank that the starter check is from. Check cashing stores are another option but they’ll likely charge higher fees than a bank.

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