SAM Self-Service Check Cashing- Instant ATM Check Cashing In 2024

To Cash Checks at Sam Self-Service Check Cashing Machines enter your check, valid ID, and thumbprint. After verification, you will get instant cash.   

In case it’s a holiday and your need to cash a check instantly then SAM Self-Service Check Cashing can be your best choice. Because SAM ATM does not require a Bank account to cash checks, there is no limit and you will get instant cash. But how do you use it? 

Well, we are about to find out. Because in this post, I’ll write all about SAM Self-Service Check Cashing requirements, Limits, How to use them, and everything related to it. So, stay here till the end. 

First Let’s have a look at what SAM self-service check cashing is. 

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What is SAM Self-service Check Cashing?

Sam Self-Service Check Cashing

SAM Self-Service Check Cashing is a self-service system that allows people to cash checks at automated ATM machines located in convenience stores, supermarkets, and other businesses. 

As of July 2023, SAM Self-Service Check Cashing operates in 40 states In the United States. They are a convenient way to cash checks, especially if you do not have a bank account. However, it is important to be aware of the fees involved before you use the machines.

The fees charged by SAM Self-Service Check Cashing may vary depending on the amount of the check and your location. However, at any place, they should be lower than check cashing stores. So, how does SAM’s check cashing machine work?

How Does SAM Check Cashing Machine Work

The working mechanism of SAM Check Cashing Machines is quite complex as it’s a 100% no-fraud system. Here is how it works  

  • After entering a valid check on the machine, along with your ID and thumbprint. The machine verifies them with a multi-point identity verification system.
  • Then their SAMCO proprietary algorithm ensures that the transaction is valid.
  • Lastly, you get the check amount. 

Now that we know what sam self-service check cashing is and how it works. So, it’s time we find out the requirements. 

SAM Check Cashing Machine Requirements

As SAM check cashing is an automated system. So, the check cashing requirements are a bit different than regular check cashing places. Here are the things you will need 

  • A valid check not older than 21 days. 
  • A valid Government Issued ID. This can be a state ID, driver’s license, or Passport. 
  • Your thumbprint. 
  •  Social Security number for checks over $10,000. 

But what types of checks do SAM self-service check cashing accept? 

Which Checks does SAM self-service Check Cashing Accept?

SAM ATM check cashing accepts almost all pre-printed checks except personal and cashier’s checks. Here is a list of checks that SAM ATM check cashing cash 

  1. Government Checks
  2. Tax Refund Checks
  3. Payroll Checks 
  4. Insurance Settlement Checks
  5. Business Checks

However, they do not accept any type of handwritten checks. Now let’s have a look at How to use SAM check cashing machine?

How To Use A SAM Check Cashing Machine

If you meet all the requirements then using a sam check cashing machine is a piece of cake. Here is how to use a SAM check cashing machine

  • Go to a SAM ATM self-service check cashing kiosk. 
  • Endorse the check. 
  • Type in the check amount.
  • Enter your check in the ATM machine. 
  • After that, scan your valid ID card in the ID card section. 
  • Then enter your thumbprint. 
  • Enter your SSN if the check amount is more than $10,000. 
  • It will take a few seconds to verify everything. 
  • If the check is approved you will get cash instantly. 

Easy, right?  

But How much check can I cash at SAM machine? 

SAM Check Cashing Machine Limits

The best thing about SAM automated check cashing machines is that there is no limit for check cashing. However, if your check is larger than $10,000 then you must enter your SSN. 

Usually, there is a limit to how much you can cash using a check at check-cashing shops and grocery stores. In the past only, banks and credit unions let you cash checks over $10,000 and you won’t even get the money instantly.

However, with  SAM automated check cashing machines you can cash checks larger than $10,000 and you will get instant cash. But what are the fees?

Sam Check Cashing Machine Fees

Sam check cashing Machine fees depend on the state you live in. However, usually, the fees are 1%-5% of the check. 

Different states have different laws regarding check cashing. For example, Illinois law prohibits businesses to charge more than 2.25% of the check amount plus $1 free for any amount.  

As a result, it’s hard to tell the exact fees. However, the fees are much lower than in traditional check-cashing shops. 

Which States Do Not Have Sam Automated Check Cashing Machines?

As of July 2023, SAM Self-Service ATMs are not allowed in the following states:

  1. California
  2. Hawaii
  3. Illinois
  4. Iowa
  5. Maine
  6. Massachusetts
  7. Minnesota
  8. New Jersey
  9. New York
  10. Ohio

These states have strict laws regarding the operation of automated and Self-Service ATMs. As a result,  SAM self-service check-cashing ATMs do not meet the requirements of these laws. 

Moreover, SAM Self-Service ATMs do not have license to operate a financial entity in these states. As a result, you can not find them in these states However, in the future, they might be allowed. 

By now we have found out all the necessary details on SAM self-service check cashing. Now let’s look at some of the related queries. 


Here are some of the frequently asked questions related to this topic. 

Where Can I Find Sam Check Cashing Machine Near Me?

Usually, SAM check cashing machines are located near convenience stores, supermarkets, and other businesses. If your state has SAM ATMs then you can search SAM check cashing machine locations on Google Maps or Apple Maps. 

Moreover, you can find their locations on their website in the SAM check cashing machine locations section. 

Does SAM Check Cashing Machine Cash Personal Checks?

No, SAM Check Cashing Machines do not accept any personal checks. Even if these checks are pre-printed. They do not accept these checks because most check frauds happen using personal checks. 

Can You Cash Starter Checks at SAM ATM?

No, You can not cash starter checks at SAM ATM. Because these checks are a type of personal handwritten checks that are not accepted by SAM ATM. 

In Summary   

SAM self-service check cashing can be the most convenient way of cashing checks. Because the fees are reasonable, there is no limit, it’s open 24/7 and you can get them at almost 40 states. 

So, in case you do not have a bank account or need to cash a check during the holiday then go to SAM check cashing and get instant cash. 

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