You can cash a cashier’s check at your bank, the check issuing bank, grocery chains and check cashing stores.
Received a cashier’s check for the first time? Then you might be wondering, where can you cash a cashier’s check?
Well, We are about to find out. Because in this post, I will answer where can you cash a cashier’s check. Moreover, I will also include the fees, limits, and everything related to cashing a cashier’s check. So, stay with me till the end.
First, let’s find out Can a cashier’s check be cashed anywhere.
Find Out How To cash a Cashier’s check
Can a Cashier’s Check be Cashed Anywhere?
Yes, a cashier’s check can be cashed at any bank, credit union, or check-cashing store. However, not all grocery store chains accept cashier’s checks.
Cashier’s checks are one of the safest checks to have. Because the money is guaranteed by a bank, not an individual person’s account. As a result, cashier’s checks have become not only safe for a recipient but also for financial institutions to cash.
Moreover, these checks are easy to verify and require less effort to cash. So, almost all banks, credit unions and check cashing stores cash cashier’s checks.
However, cashier’s checks are hard to cash without the recipients. As a result, most grocery stores avoid cashier’s check cashing service. Only a few big grocery chains cash cashier’s checks.
Where Can I Cash A Cashier’s Check For Free
You can cash a cashier’s check for free at a bank or credit union you have an account.
As cashier’s checks are safe, they are mostly used for large payments. So, they can become very expensive to cash. Because most check cashing places charge fees based on percentage. However, there is a way to avoid fees on cashier’s checks.
Almost all banks and credit unions offer free check cashing or depositing services for their customers. So, you can use your bank to cash the cashier’s check. Although, you won’t receive the money instantly. But your bank will add the cashier’s check fund within a day.
Once the money is added to your account you can cash out the money using an ATM. But Where can you cash a cashier’s check without a bank account?
Where Can You Cash A Cashier’s Check
Here is a list of 20 check-cashing stores, grocery chains, banks, and credit unions where you can cash a cashier’s check apart from your bank or credit union
| Name | Fees | Limit |
| ACE Cash Express | 2% of the check amount | No Limit |
| Advance Financial | 1% to 5% of the check amount | No Limits |
| Check ‘n Go | 2% of the check amount | No Limits |
| Money Mart | 3% of the check amount | Depends on Location |
| PLS Check Cashing | 2.2% Of the Check Amount + $1 | No Limits |
| Speedy Cash | Depends on the Location | No Limits |
| Walmart | $3-$6 | $5,000 |
| Circle K | Free | $1,000 |
| Currency Exchange | 2.25% of the check amount + $1 | Depends on Location |
| Bank of America | $8 | No Limits |
| Chase Bank | $8 | No Limits |
| TD Bank | $7 | No Limits |
| Wells Fargo | $7.50 | No Limits |
| U.S. Bank | $7 | No Limits |
| PNC Bank | Free | No Limits |
| Citibank | No fees for checks up to $5,000 | No Limits |
| Regions Bank | 4% | No Limits |
| Chartway Federal Credit Union | $3 or 2% of the check | No Limits |
| PenFed Credit Union | Free | No Limits |
The fees and limits provided in the above chart are subject to change depending on the policy of the institution. So, please contact them beforehand if you intend to cash checks at any of these institutions.
By now we have found out where to cash a cashier’s check near me and Where can I cash a cashier’s check without a bank? But Where can you cash a cashier’s check online?
Where Can I Cash A Cashier’s Check Online
In case you don’t wanna stay in line or visit a store then you can also cash a cashier’s check online. However, your options will be limited. Here is a list of places where you can cash a cashier’s check online
- Your Bank App
- Ingo Money App
- PayPal App
Although, there are many other options available. However, these are the safest and fast platforms to cash a cashier’s check online. You just need to have a verified account with them. Then endorse the check and take pictures. After check verifications your money will be added to your wallet.
By now we have found out where can you cash a cashier’s check. Now let’s look at some of the related queries.
FAQs
Here are some of the frequently asked questions related to this topic.
Where can I cash a cashier’s check over $10,000?
You can cash a cashier’s check over $10,000 at a bank, credit union, or check cashing store. However, it’s safer to cash it at a bank or credit union.
Moreover, banks have a flat fee for cashing checks while check cashing places charge a percentage. So, it will be cheaper to cash it at a bank or credit union.
Can I Cash a Cashier’s Check at a Different Bank?
Yes, you can cash a cashier’s check at a different bank. Almost all banks cash cashier’s checks. So, you can go to any bank or credit union to cash a cashier’s check.
Can I Cash A Cashier’s Check At Walmart?
Yes, you can cash a cashier’s check at Walmart for a $3 to $6 fee. However, there is a $5,000 limit and you must carry a valid ID to cash it.
In Summary
Cashier’s checks are quite easy to cash because they are more secure than other checks. Almost all check cashing stores and some grocery stores cash them. However, it’s much cheaper to cash them at a bank or credit union. It’s even free if you have a bank account.
