25 Places to Cash a Cashier’s Check Near You (With & Without a Bank)

You already know the cash is assured, however now it’s essential to flip that piece of paper into precise money with out getting hit with large charges.

On this information I’ll present you precisely the place you’ll be able to money your Cashier’s examine, the best way to do it safely, and what it’s essential to know to keep away from the widespread scams which might be on the market.

The place to Money a Cashier’s Verify Close to You in 2025

You probably have a cashier’s examine, you’ll need to know the place you’ll be able to deposit it. Fortunately, you’ve got fairly a number of choices for doing so.

Banks and credit score unions

The very best place to money a cashier’s examine is at your native financial institution or credit score union.

Now you’ll be able to deposit a cashier’s examine at:

• The financial institution or credit score union that wrote the cashier’s examine: If it is a handy choice for you, it is a nice choice. That is the financial institution that’s paying the examine from its personal funds, so it can money it for you, even when you’re not a member.
• A financial institution or credit score union the place you’ve got an account: Contemplate depositing the examine at your financial institution the place you’ve got an account. Even when your financial institution didn’t challenge that examine, you’ll be able to nonetheless take your cashier’s examine there. Your financial institution can then provide you with money or deposit the funds into your account. If you’re a member at a financial institution or credit score union, this shall be the best choice since you’ll often be capable of deposit the examine free of charge.
• Any financial institution (even when it didn’t challenge the cashier’s examine otherwise you’re not an account holder): Many banks will money cashier’s checks even when you’re not a member. In case you aren’t a buyer at a financial institution or credit score union, you will have to pay some charges for the service.

Listed here are some banks and credit score unions the place you’ll be able to money a cashier’s examine:

1. Bank of America

• Payment: $8 when you aren’t a buyer.
• Necessities: Two types of ID

2. Chartway Federal Credit Union

• Payment: For non-customers, the charge is $3 or 2% of the examine, whichever is bigger.
• Necessities: Picture ID

3. Chase Bank

• Payment: $8 when you aren’t a buyer
• Necessities: Picture ID

4. Citibank

• Payment: No charges for account holders or for checks as much as $5,000. In any other case, charges differ.
• Necessities: Two types of ID

5. HSBC

• Payment: $3 for checks as much as $100, and $5 for bigger checks when you aren’t a buyer.
• Necessities: Picture ID

6. KeyBank

• Payment: 1% of the examine quantity when you aren’t a buyer.
• Necessities: Picture ID

7. PenFed Credit Union

• Payment: None
• Necessities: Picture ID

8. PNC Bank

• Payment: None
• Necessities: Picture ID

9. Regions Bank

• Payment: 4% of the examine quantity
• Necessities: Picture ID

10. TD Bank

• Payment: $7 when you aren’t a buyer.
• Necessities: Picture ID

11. U.S. Bank

• Payment: $7 for non-customers
• Necessities: Picture ID

12. Wells Fargo

• Payment: $7.50 when you aren’t a buyer
• Necessities: Picture ID

Verify cashing shops

One other place the place you’ll be able to money a cashier’s examine is at a examine cashing retailer. These will let you money many varieties of checks. The draw back is that you just’ll should pay a charge for the service.

Charges differ from place to position, so make sure to name forward to get a greater thought of what you’ll pay for cashing a cashier’s examine.

Usually these locations supply a wide range of monetary companies, alongside examine cashing, equivalent to payday loans (all the time keep away from these if attainable), installment loans, and cash switch companies.

Listed here are some monetary service firms that will let you money cashier’s checks.

13. ACE Cash Express

• Payment: Charges begin at about 2% however differ from location to location.
• Necessities: Picture ID

14. Advance Financial

• Payment: 1% to five% of the examine quantity
• Necessities: Picture ID

15. Check ‘n Go

• Payment: Charges begin at round 2% of the examine quantity
• Necessities: Picture ID

16. Check Into Cash

• Payment: 3% to five% of the examine quantity. Charges differ relying on location.
• Necessities: Picture ID

17. Money Mart

• Payment: Charges differ relying on the situation.
• Necessities: Picture ID

18. Moneytree

• Payment: As much as 6% of the examine quantity. Charges differ by location.
• Necessities: Picture ID

19. Pay-O-Matic

• Payment: Round 2% of the examine quantity
• Necessities: Picture ID

20. PLS Check Cashing

• Payment: Charges begin at a $1 plus 1% of the examine quantity.
• Necessities: Picture ID

21. Speedy Cash

• Payment: Charges begin at $2
• Necessities: Picture ID

22. The Check Cashing Store

• Payment: Charges differ relying on the situation, quantity, and sort of examine.
• Necessities: Two types of ID

23. USA Check Cashing Store

• Payment: Charges differ relying on the examine quantity, location, and examine sort.
• Necessities: Picture ID

Retail shops

A few retail shops where you can cash a money order, additionally money cashier’s checks. This may be handy as you’ll be able to money your examine if you’re doing all of your common procuring.

Listed here are a few retail shops the place you’ll be able to money cashier’s checks:

24. Walmart

• Payment: $3 for checks which might be value as much as $1,000 and $6 for checks which might be value $1,000 to $5,000
• Necessities: Picture ID

25. H-E-B

• Payment: $3 for checks as much as $3,000. Charges differ for bigger checks.
• Necessities: Picture ID

Cashier’s Verify 101: What They Are & Why They’re So Protected

Now that you realize the most effective locations to money your examine, let’s cowl the fundamentals.

For these not acquainted, a cashier’s examine is without doubt one of the most secure cost instruments for any massive buy.

It offers each the client and the vendor peace of thoughts that the cash is actual and assured.

Right here’s a fast information on what they’re and why they’re so trusted.

What Precisely Is a Cashier’s Verify?

Cashier’s checks are a sort of examine that’s assured by a financial institution and drawn on the financial institution’s personal funds, reasonably than the one who purchases the examine.

The financial institution is the one answerable for paying the quantity to the payee, and these kinds of checks are written within the financial institution’s identify and are sometimes signed by a teller.

Like, I stated above, cashier’s checks are most well-liked over private checks for bigger transactions, usually being utilized in actual property and brokerage transactions.

How a Cashier’s Verify Works: The Step-by-Step Course of

Once you obtain a cashier’s examine, you might be assured that it received’t bounce. It is because in contrast to private checks, cashier’s checks are assured by the financial institution.

Cashier’s checks can solely be bought at banks or credit score unions.

The one who pays for the cashier’s examine, referred to as the remitter, requests the examine, and the monetary establishment checks their account to ensure they’ve the quantity wanted to pay out there of their account.

This quantity is then withdrawn from the remitter’s account and deposited into the financial institution’s account.

As soon as the remitter has paid the financial institution the quantity required to cowl the examine, the financial institution or credit score union will print the cashier’s examine with the identify of the payee, which on this case is your identify, and the quantity that’s to be paid.

Rather than the remitter’s checking account and routing number, the financial institution or credit score union’s account quantity is printed.

Once you, the payee, deposit a cashier’s examine, the funds used the pay it’s drawn from the financial institution’s account.

The Predominant Advantages: Why Cashier’s Checks Are So Protected

Cashier’s checks are sometimes thought of a greater cost methodology than different choices like your common private examine.

It is because they supply extra advantages and protections than you’d get with money funds or private checks.

There are various causes you’d need to use a cashier’s examine:

• Cashier’s checks are likely to clear sooner than common checks.
• As a result of they’re backed by a financial institution or credit score union, cashier’s checks are most well-liked for bigger transactions.
• So long as the cashier’s examine is genuine, the danger of the examine bouncing is nonexistent. Which means when you obtain a legit cashier’s examine, you don’t have to fret about it bouncing if you attempt to money it.
• As a result of the funds are assured, cashier’s checks are thought of to be safer than private checks.

Find out how to Deposit a Cashier’s Verify On-line

These days, you’ll be able to truly money a examine with out even leaving your private home.

It may be robust to get to your financial institution or credit score union throughout open enterprise hours – usually the financial institution is closed by the point you’ve completed work. It can be a trouble to get to a examine cashing place or retail retailer when you’re having a very busy week.

That’s why cashing a check online is such an important choice.

You don’t have to move out anyplace and might as a substitute money your examine proper out of your telephone!

Now, cashing a examine on-line does differ barely from if you money a examine in-person.

Once you take a examine to a bodily location like your financial institution or a examine cashing retailer, not solely do you get the choice to deposit it into your checking account, however you can even get money on the spot. You’re actually cashing the examine.

On-line nonetheless, you’ll deposit the funds into your checking account, reasonably than getting money in your arms. So, if you need money proper now, then you definitely’ll want to move into your financial institution or close by examine cashing or retail retailer.

Nevertheless, when you don’t thoughts having the funds deposited into your financial institution, then cashing your examine on-line as a substitute is an effective choice.

Listed here are a number of locations the place you’ll be able to deposit a cashier’s examine on-line:

• Financial institution of America App
• Inexperienced Dot App
• First Midwest Instantaneous Verify Cashing
• GoBank

Cashier’s Verify Scams

There are, sadly, fairly a number of cashier’s examine scams on the market, an issue so widespread that the U.S. Office of the Comptroller of the Currency (OCC) has issued specific warnings to consumers about fake check scams.

It’s vital to pay attention to these as a way to keep away from being a sufferer of one among these scams.

Now, in a faux examine rip-off an individual, often somebody you don’t know, will ask you to deposit a examine, after which ship among the cash to a different individual. These scammers all the time have some story to elucidate why you’ll be able to’t preserve all the cash. For instance, the scammer may say it’s essential to cowl taxes or charges.

Faux checks are available many kinds, and generally, they’ll appear like a private examine or a cashier’s examine.

You probably have a cashier’s examine to deposit, it’s actually vital you’re conscious of the scams on the market.

Sorts of faux examine scams

Though there are various varieties of scams the place faux cashier’s checks are used, there are some ones which might be pretty widespread.

Listed here are some examples:

Thriller procuring rip-off

On this case, the scammer pretends to rent you as a thriller shopper. On this rip-off, the scammer tells the patron that their first task is to judge a retailer that sells money orders, reward playing cards, or a cash switch service, equivalent to MoneyGram or Western Union.

The patron receives a cashier’s examine and is informed to deposit it right into a personal bank account and wire it to another person. Nevertheless, as soon as the cash is wired, the individual on the opposite finish can disappear.

Private assistant rip-off

Scammers faux to give you work as a digital assistant. So, you apply on-line and get employed. Then, the scammer offers you a examine that you just’re informed to make use of to buy reward playing cards or purchase tools or provides in your new consumer.

Then, the scammers get the reward card PIN numbers, and use them immediately, leaving you the “private assistant,” with out the cash when the financial institution learns that the examine is unhealthy.

Automobile wrap decal rip-off

Scammers inform individuals excited by automobile wrap promoting to deposit cashier’s checks and ship cash to decal installers who don’t truly exist.

The sweepstake rip-off

One other widespread cashier’s examine rip-off is the sweepstake rip-off. On this state of affairs, the scammer pretends you’ve received a sweepstake (in actuality the sweepstake is bogus), and you’re given a examine. However, the scammer tells you to ship cash to cowl taxes, transport and dealing with costs, or processing charges. That isn’t how legit sweepstakes work.

The overpayment rip-off

If you’re promoting one thing on-line, then it is a rip-off you must undoubtedly concentrate on. Principally, the scammer provides to purchase one thing from you on-line, and after they pay you, they “by accident” ship a examine for an excessive amount of cash. Then, they ask you to refund the stability.

Why do faux examine scams work?

Sadly, faux cashier’s checks can look similar to actual checks. In truth, these faux checks may even look actual to financial institution staff. Usually, they’re printed with the names and addresses of legit monetary establishments, or they is perhaps actual checks which might be written on financial institution accounts that belong to victims of id theft.

Sadly, it may take weeks for a financial institution to determine {that a} examine is certainly faux. By that point, the scammer could have any cash you despatched, and also you’ve caught paying the cash again to the financial institution.

That’s why it’s so vital that you just by no means, ever ship cash to somebody that you just don’t know, like within the rip-off examples above. Solely depend on cash from a examine if you realize and belief the individual you’re coping with.

Suggestions for Avoiding Faux Cashier’s Verify Scams

Okay, so I simply need to provide you with a number of suggestions you should utilize to keep away from being the sufferer of a faux examine rip-off:

Don’t ship cash

By no means use cash from a examine to ship cash orders, reward playing cards, or wire cash to a stranger or an individual you simply met.

Many of those scammers will inform you to purchase reward playing cards and ship them the PIN numbers or will ask you to ship cash by a cash switch service, like MoneyGram, or Western Union. After you’ve got given the reward card PINs or wired the cash, it’s nearly unimaginable to get the funds again.

Keep away from sweepstakes that ask you to pay for the prize

A reliable sweepstake would by no means ask you to pay cash with a purpose to get your prize. The entire level of sweepstakes is that you just get a free prize, so that you shouldn’t should pay to get it.

By no means settle for a examine for greater than the promoting value

If somebody on-line provides to pay far more for one thing that you just’re promoting it for, it’s a surefire signal of a rip-off. Don’t settle for a examine for greater than the promoting value.

Keep away from jobs the place you’re requested to make use of a cashier’s examine to make purchases or ship cash

A legit thriller procuring firm or private assistant gig wouldn’t have a tendency to present you a cashier’s examine to purchase one thing or ship cash. Cashier’s checks solely are typically utilized in giant transactions like actual property transactions.

Takeaway

Though you’ll be able to solely buy cashier’s checks at banks and credit score unions, cashing them is way simpler. You may money a cashier’s examine not solely at monetary establishments like banks and credit score unions but in addition at examine cashing shops and a few retail shops.

In case you’ve needed to know, “The place can I money a cashier’s examine close to me?” be sure you attempt the locations on our listing above.