Customer Service: (800) 404-0254

Western Union Near Me (A How-to-Find Guide)


Explore this Western Union Guide:

Check City Western Union Locations

Cashing a Western Union money order at Check City is super easy. All you have to do is visit your local Check City store, bring your photo ID and your money order tracking number, and get your funds!

At Check City, you can receive money orders in cash, on a prepaid debit card, or in your mobile wallet. Find out the Check City Western Union hours near me by visiting the Check City Locations page. On this same locations page you can quickly find the closest Western Union near me as well.


You can also find Check City Western Union locations near you with the Western Union location finder. To find a Western Union location near you, follow these steps:

Step 1: Go to


Step 2: Click “Find locations” in the top bar menu on the Western Union website.


Step 3: Next to the heading “Find locations” you’ll see an “Address” search option and an “Agent” search option. Select the “Agent” search option.

In the “Agent name” search bar type in “Check City” and in the address search bar type in your city and state and press enter. This will bring up a list of Check City locations with Western Union offices. There will also be a map on the right to show these Check City Western Union locations on the map.

Step 1: Go to Make sure you give the device you’re using permission to see your location.

Step 2: Type “Western Union” into the search bar. After clicking enter you’ll have a list and a pinned map with all the Western Union locations near you.

Step 1: Go to

Step 2: On the homepage you’ll find two search bars. In the “Find” search bar, type “Western Union” and in the “Near” search bar, type in your city and your state. Press enter and you’ll find a list of Western Union locations.

The problem with Yelp is that it won’t list as many Western Union locations near you as the Western Union location finder.

Western Union

What is Western Union? Western Union is a company that provides financial services worldwide. Western Union’s company headquarters are set up in Denver, Colorado.

Up until 2006, Western Union also provided communication services with transmitting telegrams. But now they focus mainly on their financial services. They even offer many of their services now online and on their mobile app.

The primary financial service that Western Union provides is the ability to send money to more than 500,000 locations in over 200 different countries and territories. The following are the main financial services that you can get from Western Union:

Send Money with Western Union:

  • Cash money transfer
  • Mobile money transfer
  • Money transfer to a bank account
  • Money order

Receive Money with Western Union:

  • Pick up cash

Pay a bill with Western Union:

  • Convenience pay
  • Payments
  • Quick collect

Prepaid Services at Western Union:

  • Prepaid card sales
  • WU reload

Online Services at Western Union:

  • Pay for a money transfer
  • Pick up cash
  • Pay a bill
  • Amazon paycode
  • Amazon cash

But the most popular services are probably the Western Union money order, Western Union send money, Western Union money transfers, Western Union Netspend, and Western Union bill pay.

Western Union Locations Near Me

Besides understanding what you can get from Western Union, it’s important to find a Western Union near me open now so you can get your financial errands done now! Finding Western Union locations near me shouldn’t be a huge hassle. Many places offer Western Union services, and there are even 24 hour Western Union near me! What’s more useful than a Western Union near me open 24 hours?

From this article, you can learn more about Western Union services, how Western Union works, and how to find your favorite Western Union locations near you.

How Does Western Union Work?

Western Union is easy to use. You can use Western Union online, on the mobile app, or at a store that has Western Union, like Check City.

Western Union provides financial services that securely move money from one person to another. In order to use Western Union, visit Western Union’s website, open the Western Union app, or visit a store location that offers Western Union.

Then, you’ll set up your money transfer by following the steps outlined by the desk clerk, teller, website, or mobile app. You’ll have to tell them where you want to send the funds, who the funds’ receiver is, how the receiver wants to receive the funds, and how you’re going to pay for the transfer and transfer fees.

When you are done submitting your Western Union money transfer, you’ll get a tracking number. Use this tracking number to track the transfer you sent, and give the tracking number to the transfer receiver. Then they can use this number when they go to pick up the transfer.

Other than that, Western Union does everything else! The money transfer of the receiver just has to pick up the funds.

How to Find Western Union Near Me

Even though there is now Western Union online and Western Union mobile, there are still occasions where you need to go to a Western Union location.

Step 1: Find your nearest Check City location.

Step 2: Visit the Check City location during their open hours.

Step 3: Get your money order, money transfer, or a Check City Prepaid Debit Card.

Where is Western Union Near Me

Cash a Western Union money order at any of your preferred Western Union agent locations. If you’ve never used Western Union before, then you might need help finding a Western Union near me to receive money.

Western Union Bank Near Me

You’ll be the most likely to cash your money order for free if you go to a bank or credit union where you have an account. Financial institutions like banks and credit unions are also great places to cash a money order because they are set up to handle financial services like providing cash to money order customers.

If you don’t have an account at a bank or credit union, you can still use a bank or credit union to cash your money order. The only catch is that you might have to pay a fee for not having an account with them.

You also might need to be careful, because some banks won’t let you cash larger money orders if you don’t have a membership with them. However, at Check City, anyone can cash a money order, no membership needed. Because Check City is a financial institution, they are more equipped to cash your money orders than retail stores like Walmart Western Union.

Western Union Office Near Me

Your local USPS also issues money orders. Some USPS post offices also won’t charge any fees for cashing a USPS money order. Otherwise, USPS charges around $1.25 for cashing $500 and $1.65 for $1,000.

Western Union Online

On Western Union online you can send money, track a money transfer, pay bills, and find Western Union locations near you!

You can also create a Western Union login on the website or on the Western Union app. With a Western Union login, you can easily make use of the services on Western Union online whenever you need it.

Step 1: If you don’t already have it, download the Western Union app.

Step 2: Now that you have the Western Union app, create a Western Union login. If you don’t want to use the app, you can also log into to create your Western Union login as well.

Step 3: Now you can use Western Union online or the Western Union app to send money online or do an online transfer.

How to Send Money Online with Western Union

Step 1: Create an online Western Union account or login to your account.

Step 2: Pick the “Send Money” option.

Step 3: Input where you want to send the money.

Step 4: Input the monetary amount and type of currency you want to send.

Step 5: Pick how the money receiver wants to get the money. They can pick up the money in cash, it can go directly to their bank account, or you can pick a mobile money transfer.

Step 6: Pick your payment method. You can pay with a credit or debit card, your bank account, or with cash if you go to a Western Union location. Once this is done, you can review your online money transfer and submit it.

With an online WU account, you can even start earning reward points for each online money transfer you send. Once you have an online Western Union account you can also save your money transfer recipients so you can easily send money to them again.

Want to use cash and use Western Union online? Use Western Union online to start your money transfer and then select the Pay In-Store option. Now you can use your phone number, or other transfer identification number, at a physical location to bring up your money transfer, allowing you to pay for the money order in cash at the store.

You can also send money by phone by calling the Telephone Money Transfer hotline (1-800-CALL-CASH). But you need to be in the US sending money to someone who is also in the US.

How to Send Money Through Western Union

We’ve already gone over how to send money through Western Union online, but what about sending money at the store?

First, you need to know what you need to send money before you go to the Western Union location. That way you won’t have to make multiple trips because you forgot something important.

  • the first and last name of the person who will be receiving the money order
  • the country and city of the money order receiver
  • the home address and phone number of the money order receiver
  • the funds to pay for the money order funds and the money order fees

Bring all of these items with you to the Western Union location. At the Western Union location you’ll fill out your money order, pay for the money order, and then you’ll get a money order tracking number.

This tracking number (MTCN) will allow you to track the money order. The money order receiver will also use this number to access the money order funds on their end.

Western Union Customer Service

You can find Western Union at a lot of customer service desks at many retail stores. But each of these retail locations that have Western Union will have its own customer service quality. That’s why it’s nice to find a Western Union agent location that also has quality customer service—the kind of quality customer service you find at Check City stores.

Though Western Union can be found at many different locations (like Walgreens Western Union near me, Walmart Western Union near me, Kroger Western Union near me, Western Union SpeedPay, CVS Western Union, Dollar General Western Union, and Rite Aid Western Union) Western Union is its own company with its own requirements and regulations.

So if you have trouble with a Western Union transaction, you’ll want to call Western Union Customer Service (1-(800)-325-6000) directly for answers about what went wrong. This Western Union phone number will connect you to Wester Union so you can get answers to any of your questions and concerns.

Western Union Tracking

Western Union also provides tracking options for your money orders and money transfers. But if you are new to using Western Union then you’ll need to know how to track your Western Union transfer.

Step 1: Visit Western Union online and go to “Track transfer” in the top menu.

Step 2: Select whether you are the sender or receiver by clicking either “I’m the sender” or “I’m the receiver.”

Step 3: Input your tracking number in the “Tracking number (MTCN)” bar and press “Continue.” All the information you need to track your transfer will come up.

What is an MTCN number? An MTCN number stands for “Money Transfer Control Number.” This is a 10-digit tracking number given to each Western Union money transfer. With this number, you can easily look up the status of the money transfer at any time.

Both the receiver and the sender use the MTCN. The sender uses the MTCN to track the transfer and the receiver uses the MTCN to pick up the transferred funds.

So when sending money through Western Union, don’t forget to communicate the MTCN number to the receiver. This is how they’ll be able to pick up the funds later. The receiver will also need to provide a valid government-issued ID at the Western Union agent location to pick up the funds.

Western Union Fees

Western Union charges fees for all their services. Your Western Union fees will depend on the type of transaction you are doing, where you are sending money, and the options you choose when setting up the money transfer.

For example, if you want to send $1,000 in cash to someone in the United Kingdom, and you pay for the transfer using your bank account, then your total Western Union fees are going to be $26. But if for that same transfer you instead pay for the transfer with a credit or debit card then your fees go up to $81. Likewise, if you still use your bank account to pay for the transfer, and the recipient also uses their bank account to receive the transfer, then your fees go all the way down to $2.99.

In general, using bank accounts to both pay for and receive the transfer is the cheapest option available.

Western Union Exchange Rates

One of the great things about Western Union is that it allows people to send and receive money from different countries and territories. So if you need to send money back home to your family in England while you’re living in the US you can easily do so through Western Union.

When transferring US dollars to the English pound there is going to be an exchange rate. In this instance, an exchange rate shows how much how many pounds will convert from however many US dollars. This is how exchange rates work for whatever types of currencies you are wishing to exchange.

You can find the currency exchange rate you’re looking for by using a Currency Converter Calculator.

All you have to do is input the monetary amount and currency type you want to send, and select which currency type the receiver will get. Then the currency calculator will tell you how much the recipient will get in their chosen currency type.

Keep in mind that Western Union has their own exchange rates to consider when sending funds that are going to convert to a different currency during the transfer. The Western Union exchange rate might not be exactly the same as the market value.

This can sometimes mean that the exchange rate when transferring funds will cause the sender to pay more. Try comparing the market exchange rates with the exchange rates at Western Union to compare the difference.

How to Fill Out a Western Union Money Order

Read the full article, “How to Fill Out a Money Order” to learn all the details you need to know about filling out a Western Union money order correctly.


There are five fields you need to fill out on your money order. But first, you have to go to a place, whether online or in-person, that provides money orders.


In the “PAY TO THE ORDER OF” line, write the name of the person or company that will be receiving the money order funds.


Some money orders will also include a section for an account number. This is helpful when you are using a money order to pay bills and want to make sure your bill account gets proper credit for making your payments.


On the “PURCHASER’S ADDRESS” line, the money order sender is the purchaser. The person sending the money order should put their address on this line. This is so that the person or company receiving the money order knows how to contact you.


Before you can send the money order, you’ll need to sign the “PURCHASER’S SIGNATURE” line. Do not sign the back of the money order. Make sure you only sign where it designates on the front of the money order.

Field #5: DOLLAR BOX

The money order will also have a box known as the “Dollar Box.” This box is where you write the monetary amount you want to send in numerals.

Writing in numerals means you’ll write the monetary amount in numbers, not words. For example, write “$100.00” not “one hundred” in this box.

Keep the Receipt!

Once you’ve finished filling out and paying for your money order, you’ll get a receipt. Keep this receipt to help keep your money order secure.

Western Union Scams

Be aware of Western Union scams and everything you can do to avoid them. Not all scams are obvious. That’s why it helps to look up common scams to know what kind of fraudulent schemes are out there right now.

Many scammers will try and get their victims to use money orders to pay them for reasons or services that are untrue or don’t exist.

Pay Upfront Scams

The scammer asks victims to pay the fees for financial services before they receive the financial services. They convince you to pay a fee or make a prepayment for something, but they’re really just going to pocket the money.

Anti-Virus Scams

The scammer contacts the victim claiming a virus has been detected on their device. Removal of the computer virus will, of course, cost a fee. But there is no actual computer virus or anti-virus service and the scammer simply pockets the money instead.

Charity Scams

Some scammers will claim to be charity organizations asking for donations. They might claim to be accepting donations to help victims of a natural disaster or any number of worthy causes, when they aren’t actually affiliated with any real charity and are instead keeping all the “donations” for themselves or not for the advertised intended purpose.

Emergency Scams and Grandparent Scams

Some scammers will even pretend to be someone you know. Some of these scammers are even able to steal or hack their way into a friend or loved one’s accounts so they can send messages as if they really are that person. With social media, they can sometimes even find personal information to help convince you they really are someone you know. Then they pretend to be in some kind of emergency situation that requires you to send them emergency financial help.

Some of these scammers particularly target grandparents pretending to be their grandchild in distress. They might also try to trick them into thinking they are an authority figure like a doctor who has medical bills you need to pay, or law enforcement demanding you pay a fine.

Employment Scams or Fake Check Scams

If you haven’t caught on yet, many scammers base their scams on pretending to be someone or something they are not. Scammers can even pretend to be an employer or a potential employer looking to hire.

The scammer pretends to be a legitimate employer with a legitimate job. They send the victim a paycheck, but the paycheck exceeds the amount they should have been paid. The victim sends the excess paycheck funds back to the fake employer, but then their paycheck bounces and the victim ends up with nothing.

You might also receive a fake check for other reasons, like as a winner of a prize.

Immigration Scams

Some scammers target immigrants by pretending to be immigration officials. They then contact immigrants saying there is something wrong with their visa or immigration records and charge them fake fees for fake problems. They may even use scare tactics like threatening deportation or imprisonment to make victims panic and react.

Tips for Avoiding Western Union Scams

Don’t send money orders to people or organizations you do not know personally.

Be careful when sending money orders, that they are being sent to the correct people, and not a scammer pretending to be someone you know.

Keep your MTCN tracking number private. You should only share your MTCN tracking number with the person who will be receiving the money order.

Keep the details of your money order private. You also shouldn’t share any details about your money order with anyone besides the intended receiver.

Be mindful of the information you do and don’t share on social media platforms.

Western Union can be a safe and effective way to send money across far distances. So long as you keep your information safe from scammers, don’t fall prey to lies meant to deceive you and make you panic, and always make sure you know exactly who you are sending money to and for what purposes at all times.


TransferWise. “How to Use Western Union for an International Transfer in 8 steps.”

Western Union. “Send Money Online.”

Western Union. “How Do I Send Money with Western Union?”

Western Union. “What’s a tracking number (MTCN Number)?”

Western Union. “Frequently Asked Questions.”

Western Union. “Fraud Types with Western Union US.”

How to Balance a Checkbook

how to balance a checkbook

Balancing a checkbook isn’t just a great way to keep your checks organized. A checkbook registry can also be a great way to get back to budgeting basics.

Explore this Checkbook Guide:

Learning to balance a checkbook registry can sound really daunting to someone who never really used a checkbook before. But balancing a checkbook is actually really easy!

A balanced checkbook follows the same principles of a balanced budget. All you need to do is keep track of the money going in and out of your account. From there checkbook balancing is just basic addition and subtraction.

How to Get a Checkbook

There are actually a few ways you can go about getting a checkbook. You can open up a checking account at a bank or credit union and order a checkbook from them or you can order a checkbook from a third-party check vendor.

Order checks at the bank or credit union

You can get a checkbook from a bank or credit union that has your account. Then, the bank will print you you’re very own checkbook and send it to you in the mail.

When opening a checking account, your chosen financial institute will provide you with a small checkbook to get you started. Once you use up your first, smaller book of checks you can start ordering more checkbooks.

This book of checks is then connected to your checking account. When you write out a check from it, it takes the funds you outline out of that same checking account.

How you order checks will depend on the system for ordering new checks set up by your financial provider. Some banks and credit unions will require you order checks at their location while others will allow online and mobile checkbook ordering.

Order checks from a third-party vendor

When you buy checks from a third-party vendor you can personalize your checks! This means you can pick a theme or check design and customize the way your name and address appear on the check.

Make sure the company is reputable before you order any checks from a third-party vendor. Your bank or credit union might even have suggestions for check printing vendors to use.

What is a Check Registry?

A check registry is a notebook designed with columns to help you keep track of all your checks. You can buy a checkbook registry notebook, download a free PDF template for a checkbook registry, or use the checkbook registry in the back of your checkbook.

You can also use a check registry to keep track of more than just your checks. A check registry can also keep a record of all the transactions going in and out of your account. You can even think of a check registry as keeping a manual bank statement.

A typical check registry has six columns:

The Check Number column is where you’ll jot down the check identification number. This ID number is usually found on the bottom right-hand corner of each check. This way you can literally keep track of each check being used.

You can also use this column to jot down other types of transaction methods like, “ATM” or “Debit card” or “Deposit.”

The Date column is simple and self-explanatory. Here you can keep track of the date you issued each check. For other types of transactions, you can write the day you received your paycheck, the date you made that ATM withdrawal, the date you made that purchase with your debit card.

The Transaction Description column is where you write down what the transaction was for. You might write something like, “birthday gift” if you wrote a check for your niece’s birthday present. You might write “groceries” if you used your debit card to pay for groceries yesterday.

The Debit column can go by many names. It could also be called the “withdrawal” section or the check “amount” section because this is the column you use to write down the money going out of your account. Here you’ll put down payments and purchases you make.

The Credit column can also go by other names. This section might also be called the “deposit” column. This column is where you write down the money going into your account. Here you’ll jot down any funds you receive like gift money or paychecks.

The Balance column is usually the final column on your check registry. This is where you’ll keep track of the total balance in your account. In each row, as you record a withdrawal or deposit into your account, you’ll also calculate the new total balance in your account. This way you’ll always know how much you have in total funds.

The Cleared checkmark boxes might have their own separate column or be found as checkmark boxes in the withdrawal or deposit columns. These checkmark boxes are used to check off when a check or transaction has “cleared” or finished processing.

For example, if you write out a check for $100 and give it to your niece as a birthday present, then you’ll wait a few business days for your niece to cash the check, and for those funds to officially come out of your account before you check this box.

This is useful to keep track of which checks have finished processing or which ones are still pending finalization.

What is Balancing a Checkbook?

To balance a checkbook means to make sure the financial records you’ve been keeping are correct. A checkbook is linked to your checking account, which means you can use your checkbook to keep track of your check transactions and any other transactions that are linked to your checking account.

So, what does balancing a checkbook mean? Balancing a checkbook means that you’ve kept a financial record by hand or on your own spreadsheet or on your own checkbook registry app. You’ve logged every transaction going into and out of your bank’s checking account. The balancing part comes at the end of each week, month, quarter, or even year when you go over those financial logs you’ve been keeping to make sure everything is correct and up to date.

Why You Want to Balance a Checkbook

Keeping a balanced checkbook could be the key you’ve been missing to keeping a balanced budget.

Budgeting can be really difficult for some people. If you are someone who has a really tough time sticking to their budget, then it might be time to get back to the basics of financing and start using a checkbook register.

Keeping a perfectly balanced checkbook register mainly consists of writing down every single expense and deposit going in and out of your account. By keeping such careful track of all your transactions, you can gain better control of your funds and spending. Budgeting is the ability to control yourself and your funds.

Keeping careful track of each and every transaction can also help you be more mindful of smaller spending that adds up over time. You might realize that all your money is going toward eating out every day or spending more on clothes than you actually have available for such spending.

When you’re keeping a close, personal eye on your finances you’ll also be more likely to catch mistakes or overdrafts. Then, instead of receiving a surprise notification later that you’ve been charged an expensive overdraft fee, you can quickly correct the problem! Sometimes banks and businesses can also make mistakes with your account, and you want to catch these mistakes so they can be fixed.

You can also stop yourself from making mistakes in the first place because you’ll know exactly what you can and can’t afford at all times.

Even more importantly, balancing your checkbook and making sure your own financial records match your bank’s financial records can keep you safe from financial fraud. A balanced checkbook will help you notice fraudulent activity on your account so you can act sooner against financial or identity thieves.

How to Balance a Checkbook

Now that you know what a checkbook is and how keeping a balanced checkbook can benefit you, it’s time to teach you how exactly to balance a checkbook.

Before you can balance your checkbook you first have to know how to keep a checkbook registry.


A checkbook registry will look something like the above checkbook registry example. It will have the same standard six columns we’ve already outlined. To keep your checkbook registry, fill out each row with each transaction going in and out of your account each day.


Find the information you need for each column on the check you wrote. This is why it’s useful to keep a checkbook with what are called “duplicate checks” rather than a checkbook with only single checks.

Duplicate checks will have a thinner sheet of paper behind each check. When you write out your check, what you write gets transposed onto this thinner sheet of paper behind the check. Then, you can keep a copy of each check you write for your own records.

Using duplicate checks makes it easy to keep a checkbook registry because you can just use the check copy to fill out the information you need for each column.

At the end of each month, you’ll want to balance your checkbook registry by comparing your registry with your online bank statements. Compare each item to make sure the bank has them accounted for as well, and handle any discrepancies you might find between the two.

Try highlighting or crossing out each row in your checkbook registry as you account for it on your online bank statement. Once you’ve gone through each transaction you’ll know exactly where all your money went that month and you’ll be able to easily catch and fix any problems before they become bigger issues.

How to Balance a Checkbook Using Google Sheets

Excel and Google Sheets are two great programs to use for keeping and balancing a checkbook. They are especially helpful because you can use formulas in each cell to quickly calculate your checkbook register and budget.

Step 1: Open an excel spreadsheet or a Google Sheets document on your computer.


Step 2: On the top row of your Excel Spreadsheet or Google Sheet, create the columns. In cell A1 type “Date,” in cell B1 type “Method,” in cell C1 type “Description,” in cell D1 type “Debit or Withdrawal,” in cell E1 type “Credit or Deposit,” in cell F1 type “Balance,” and in cell G1 type “Cleared.”


Step 3: Freeze or set your top row by first, selecting the top row, then click “View” in the top menu bar and select “Freeze” and “1 row.”

Doing this will make it so your top row will stay in place and follow you as you scroll down the page.


Step 4: Now it’s time to set the number formats for your document. To do this, just select all the rows and columns, click “Format” in the top menu bar, select “Number” in the drop-down menu, and then in the second drop-down menu select “Currency.”

By doing this the document will format all your monetary amounts in the same way without you having to manually add the dollar sign each time.


Step 5: Format the Date column easily by selecting the Date column, selecting “Format,” then “Number,” and then “Date.” Now the dates you write in the Date column will all take on the same format.


Step 6: Create your formulas by clicking on cell F3 (the second cell below the Balance column) and type the formula, =(F2-D3)+E3, and pressing enter. Now this cell is set up to calculate your new daily total balance automatically as you input your debits and credits each day.


Step 7: Make all the cells in your Balance column have this same formula by copying cell F3, the cell that has the total balance formula you just wrote.


Step 8: Next, select the rest of the cells in the Balance column and paste the formula you just copied. Google Sheets is smart enough that it will adjust the formula to fit each new cell it gets pasted into.


Step 9: Now it’s time to start filling in your Google Sheets check registry! Start by finding your current balance and putting it in cell F2 at the top of the Balance column.


Step 10: Next, start filling in the dates into your Dates column. You can also just add the dates in as you go since some days might not have any transactions and other days might have several.


Each day that goes by, log in all your transactions. In the Method column record what type of transaction it was, whether it was a check, or an ATM withdrawal, or a debit card payment, or a deposit into your account.

Under the Description column, outline what the transaction was for, like groceries. In the Debit column, record the amounts you’ve spent, and in the Credit column, record the funds going into your account. As you do so, the formulas you created will automatically update your Balance column.


As you use your check register it will start looking something like this.


If you want, you can customize your Google Sheet check register however you want. You can change the sizes of each column to give more room when you need it, and you can change the cell background colors to differentiate between different columns or rows more.

Download a Free Google Sheets Checkbook Register Template Here.

How to Balance a Checkbook Using Excel

You can create the same checkbook register using Excel and following these same steps. What’s great about using a program like Google Sheets or Excel is that you can create a template, and then use that same template over and over again however often you decide to start a new checkbook register.

You can also then keep these Excel spreadsheets for your own personal financial records.

Download a Free Microsoft Excel Checkbook Register Template Here.

How to Balance a Business Checkbook

A business checkbook register is going to look similar to a personal checkbook register. But a business checkbook register might include more details and will only record business transactions.

To properly keep a balanced business checkbook, you might also have to keep several records like one for all your business checks, one for each day’s worth of transactions, one for each month’s worth of transactions, one for businesses expenses from suppliers, and one for employee paychecks.

Each business is going to have its own financial needs and call for its own form of organization. You don’t want any financial facet of your business to be left in the margins.

Common Checkbook Balancing Mistakes

The first mistake you can make when balancing your checkbook is to not compare your own records with the bank’s records. Your checkbook isn’t completely balanced until after this has been done. Comparing these two records will also keep you from making costly mistakes with your expenses.

This will also help you correct the mistake of forgetting to record a transaction. If you forget to record something then it will look like you have more money in your balance then you do. That’s why you should always double-check with your bank’s records to make sure you didn’t miss anything.

Something else that can cause you to make mistakes balancing your checkbook is not realizing that some transactions and deposits take a few business days to process. Keep this in mind so you don’t accidentally spend money you don’t have.

Protect yourself from bounced checks by getting overdraft protection and by doing everything you can to not go under a certain limit in your total balance.

You can also protect yourself from making mathematical errors by keeping your checkbook register on Google Sheets, Excel, or by using a calculator.

Checkbook Apps

Mint App: The Mint app is a finance and budget app that you can use to keep track of all your spending just like you would in a checkbook register. Mint will also let you limits and budgets for yourself.

QuickBank Checkbook App: The QuickBank Checkbook app is great for small businesses that need to organize all their finances. The records you keep here can also be downloaded into Quicken and Excel spreadsheets.

Checkbook – Account Tracker App: This app is simple and aesthetically pleasing to use. It has an incredibly easy user interface so you can both clearly record and understand your finances.

Volkron Checkbook App: The Volkron checkbook app is a bank account ledger with elegant and premium features. With this digital checkbook, you can finally go paperless with your checkbook register.

Free Checkbook Ledger App: The Free Checkbook Ledger is a great first app to get if you’ve never done checkbook balancing before. It operates very similarly to your standard paper ledger so it’s an easier transition for new budgeters.

Checkbook Pro App: The Checkbook Pro app is great for people who want to move on from the basics and get professional with their financial records. Checkbook Pro also lets you manage multiple accounts in one place.


The Budget Mom. “The Right Way to Balance a Checkbook.”

wikiHow. “How to Balance a Checkbook,” by Michael R. Lewis.

dummies. “How to Balance a Checkbook,” by Pierre Lehu.

The Balance. “How to Balance Your Checkbook,” by Deborah Fowles.

Sapling. “How to Balance a Checkbook Using Excel.”

How to Endorse a Check


How do you endorse a check? What does it mean to endorse a check? Learn all you need to know about check endorsements in the “How to Endorse a Check” segment in our Check Cashing series.

Explore this Check Cashing Guide:

If you’ve never really received a check you might not know how to endorse a check or even what a check endorsement is. First thing we should get out of the way is that check endorsements are for people receiving a check, not sending a check.

You need to endorse a check when you are the check recipient. When you get paid via a check, it’s like you’ve received a voucher for the amount of funds outlined on the front of the check.

The check sender signs their signature on the front of the check to allow the funds they outlined to be taken from their bank account and given to you, the check receiver. As the check receiver, you then need to sign, or endorse, the back of the check to finalize the check transaction and receive your promised money.

What is Endorsing a Check?

In order to finish a check transaction and receive your money, you as the check receiver must endorse the back of the check.

Endorsing a check is incredibly easy. All you have to do is flip the check over to the back, find the words “ENDORSE CHECK HERE” and sign your signature where indicated.

If you only sign your name that’s called a blank endorsement. A blank endorsement is when you only provide your signature and no other instructions about what you want to do with the check.

To be extra secure with your check transaction, you can also write the words “for deposit only.” This is a restrictive endorsement that makes sure this check can only be used to deposit into your account and not for any other purpose should it get lost or stolen.

As an added precautionary measure you can even include the bank account number of the checking or savings account you want the check to be deposited into. That way there is no doubt for how the bank teller is meant to process the check.

You can also endorse a check to someone else by signing your name and writing the words “pay to the order of (insert name of someone else).” This allows someone else to cash or deposit the check instead of you.

All of these endorsement restrictions go in the same “ENDORSE CHECK HERE” box on the back of the check. As the check receiver, you shouldn’t write anywhere else on the check.

What Does Endorsing a Check Mean?

When you are writing a check for someone you have to sign your name on the signature line on the front of the check, in order for the check to be useable. If that signature is missing, then the check receiver won’t be able to cash or deposit that check. Your signature is needed to give the check receiver permission to take out those funds from your own account.

Check endorsements work in much the same way. The receiver of the check must validate they are in fact the check receiver by signing their own signature on the back of the check and providing the bank teller or cashier with their ID. This ensures that the check is being cashed or deposited by the correct person.

Check endorsements also give the bank permission to finish processing the check transaction and get your funds to you. It gives the bank permission to deal with the check sender’s account and your account in order to transfer funds from the sender’s account to the receiver’s account.

Because endorsing a check is how you authorize the finalization of the check transaction between you and the check sender, you should wait to endorse the check at the bank teller’s counter. This will help keep thieves from being able to cash the check because the proper person (you) hasn’t endorsed it yet.

If you are endorsing a check for electronic deposit than the check will remain in your possession even after you’ve endorsed it. To keep the check secure, keep others from trying to cash it again, and remind you that you’ve already taken care of that check, write the word “VOID” in all caps across the front of the check as soon as the electronic deposit goes through.

Where to Endorse a Check


The endorsement area of a check is found on the back of the check. If you flip your check over you’ll find a section with the words “ENDORSE CHECK HERE” and a box or some lines for you to write your signature.

At the bottom of the endorsement area, you’ll also find the words “Do not write, stamp, or sign below this line.” This means that you are meant to write your check endorsement in the designated space and not make any marks on the rest of the back of the check.

You should keep your signature and any other endorsement instructions you might have in that small endorsement area only. This is because the bank will need the rest of the space on the back of the check for their own records and purposes to finish processing the check correctly.

Who Endorses a Check?

The person receiving the check is the one that needs to endorse the check. For instance, if the front of the check on the “Pay to the Order of” line it says, “John Smith” then John Smith is the one who should be endorsing the check.


In general, whoever’s name is written on the “Pay to the Order of” line is the one who needs to endorse the check.

How to Endorse a Check

How to endorse a check is an easy thing to do. The first thing you should know is to wait until you are actually at the bank before you endorse the check. That way you’ll be better protecting yourself against check fraud.

Next, flip the check over on its back and you’ll find the section shown in the image below. This is where you’ll be endorsing your check.


Step One: Flip the check over to the back of the check. On the back of the check, you’ll find the words “ENDORSE CHECK HERE” with some lines beneath them.

Step Two: Sign your name on the lines or empty box provided below the words “ENDORSE CHECK HERE.”

Step Three: On the last line below “ENDORSE CHECK HERE” you’ll find the words “DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE ***RESERVED FOR FINANCIAL INSTITUTION USE***” These instructions mean you should not write, sign, or stamp anything at all below that line. The check cashing place you use will need this space for their own purposes, so it should be left blank.

How to Endorse a Check for Deposit Only

Endorse check for deposit only is a type of restrictive endorsement. Restrictive endorsements are useful because they ensure the check will be used exactly how you want it to be used.

When writing a restrictive endorsement it is important you be as clear as possible in your instructions. You also need to keep your endorsement instructions and endorsement signature in the designated endorsement area and nowhere else. So you might have to write small, but legibly.


Step One: Flip the check over to the back of the check.

Step Two: In the designated endorsement area write the words “For Deposit Only” in small but legible letters.

Step Three: Below where you wrote “For Deposit Only” sign your signature to complete the endorsement.

*Extra Step: You can make this restrictive endorsement extra secure by adding the account number of the account you want the check to be deposited to. Just write the words “For Deposit Only to Account #####” with your account number written out.

How to Endorse a Check for Mobile Deposit

Many banks now let you deposit checks using your phone. That means you don’t have to take a trip to your bank just to take care of a check! Now all you have to do is have your bank’s mobile app and you can deposit checks to your account from the comfort of your own home.


Step One: When cashing a check on your phone, write the words “Mobile Deposit” along with your signature in the endorsement area on the back of the check.

Step One: Then, open your bank’s mobile app.

Step One: Open the menu and select the check deposit option.

Step One: You’ll be asked to follow some instructions that will include taking a picture of the front and back of your already endorsed check, and verifying the amount on the check.


*Extra Step: It might take a few minutes or even a few business days for the check funds to deposit into your account. Once the check funds drop into your account, write the word “VOID” in all caps across the front of the check.

This will ensure that no one can try and deposit the check again. It also serves as a reminder to you that this check has already been taken care of.

Read all about “How to Void a Check.”

How to Endorse a Business Check

If the check is written out to a business instead of a person, then someone who is authorized by that business needs to endorse the business check. The bank that holds your business’s bank account will know who is and isn’t authorized to endorse checks to your business.


Step One: Flip the check over onto the back of the check.

Step One: In the endorsement area write the name of the business in the same way it’s written on the “Pay to the Order of” line, sign your own name, and write your title with the company. Keep all of this information in the designated endorsement space.

*Extra Step: Even though this is a business check you can still add endorsement restrictions like “For Deposit Only.”

How to Endorse a Check for a Minor

Ideally, when writing a check to a minor, you should write the name of the parent who will be depositing or cashing the check on the “Pay to the Order of” line, and then write the child’s name with the letters FBO on the memo line. FBO means “For the Benefit of.” Writing a check this way makes it easy for the parent to take care of the check for the child without any problems.

But not all checks for minors get written out this way. In that case, here is what you’ll want to do.


Step One: Flip the check over to the back.

Step Two: In the endorsement area write the child’s name with a hyphen and the word “minor” to indicate they are a child.

Step Three: Then, write your name with a hyphen that indicates your relationship with the child, like mother, father, parent, or guardian.

Step Four: Finally, sign your name to finish endorsing the check.

How to Endorse For the Benefit of (FBO) Checks

FBO checks, or “For the Benefit of” checks, are checks written to be payable to person A for the benefit of person B. This allows checks to be cashed or deposited by a specific party even though they are meant for another. You might write an FBO check when writing a check for a child.


For example, Jane Doe has a son named William Doe. William has a birthday and his grandma, Anne Doe, writes him a check. She knows William is just a child, so she writes him an FBO check instead of writing the check directly to William.

Grandma Doe would write an FBO check that says “Jane Doe” on the “Pay to the Order of” line, but then in the memo line it would say “FBO William Doe.” This allows William’s mother to take care of the check for him without the bank needing a special endorsement on the back.

This means that Jane Doe is the one who should endorse the check and then cash the check and give the money to William, or deposit the check funds into William’s bank account for him. It is always whoever is written in the “Pay to the Order of” line that needs to endorse the check on the back.

How to Endorse a Two-Party Check

Sometimes the “Pay to the Order of” line lists multiple people. When this happens you’ll want to check whether these names are listed with the word “and” or the word “or.”

For instance, if the check is written out to “Jane Doe and John Smith” then both Jane and John must sign the back of the check to endorse it, and be present to cash or deposit the check.

But if the check is written out to “Jane Doe or John Smith” then only one of them needs to endorse the check and be present to cash or deposit the check.

Step One: Look on the “Pay to the Order of” line. Does it use the word “and” or does it use the word “or “between the two names?


AND: If the “Pay to the Order of” line uses the word “and” between the two names then both parties need to sign the back of the check and be present to deposit or cash the check.


OR: If the “Pay to the Order of” line uses the word “or” between the two names then only one of the parties needs to sign the back of the check and be present to cash or deposit it.

If the check doesn’t specify “and” or “or,” but just lists the names, then follow the same instructions you would if the check were written with the word “and.”

For example, maybe the check writer doesn’t use the words “and” or “or” and instead simply writes, “Jane Smith, John Smith.” In this case, act as if they wrote, “Jane Smith and John Smith” and have both Jane and John endorse the check and be present to cash or deposit the check.

How to Endorse a Check to a Third Party

Sometimes you need to use a check written out to you, to pay someone else. Or, a check was written out to you but should really be going to someone else. In either case, what you want to do is endorse the check over to someone else.


Step One: In the endorsement section on the back of the check write “Pay to the Order of (insert name of someone else)” and then sign your own signature to validate this transference of payee rights.

You should know that not all banks will accept third-party checks due to the high risk of fraud. The bank might also require both parties on the check to be present to cash or deposit the check.

Call and ask your check cashing place ahead of time to ask if they accept third-party checks and what other policies they might have around third-party checks. In some instances, it might be easier to have the check issuer rewrite a new check instead.

How to Endorse a Check to Someone Else

If you are looking to endorse a check to someone else than you’ll want to follow the same steps found under the above section, “How to Endorse a Check to a Third Party.”

The third-party refers to someone else that you wish to endorse the check to. To endorse a check to someone else, all you have to do is write “Pay to the Order of (insert name of someone else)” and then sign your own signature, all in the endorsement section on the back of the check.

By writing your check endorsement this way, you can endorse a check to someone else. But odds are, you will still both need to be present in order for someone else to cash or deposit the check you endorsed to them.


The Balance. “How to Endorse Checks: Plus When and How to Sign,” by Justin Pritchard.

Huntington. “How to Endorse a Check: What it Means to Endorse a Check.”

Sapling. “How to Deposit Checks Made Out to Children,” by Alicia Bodine.

Where Can I Cash a Check?


Many people have lots of questions when it comes to checks like, how long do you have to cash a check? How do I cash a check? How do I endorse a check? And, where can I cash a check?

Explore this Check Cashing Guide:

Before Cashing a Check

When dealing with checks it’s important to know the basics of check cashing. Before we get into all the places where you can cash a check, we’ll go over all the check cashing basics you need to know before taking your check to the bank.

  • Some check cashing places will charge a fixed fee or a percentage of the check for their check cashing services. It’s a good idea to ask about check cashing fees beforehand so you’re prepared.
  • Some check cashing places won’t cash a check if it is 6 months old or older. Know the check cashing time limits of your preferred check cashing place so you can get your checks cashed in time.
  • It can take anywhere from a few minutes to a few business days for a deposited check’s funds to become available in your account.
  • You’ll need to show an acceptable form of photo ID to cash a check.
  • If you’re cashing a check at your bank you might also need to provide your bank debit card.

You’ll also need to know how to endorse a check before you visit a check cashing place.


Step One: Flip the check over. On the back of the check, in the corner, you’ll find the words “ENDORSE CHECK HERE” and some lines or a boxed space for you to write your signature.

Step Two: Sign your signature in this spot and nowhere else on the check. By signing in the designated “ENDORSE CHECK HERE” spot on the back of the check you have now authorized the bank, credit union, check cashing store to cash or deposit the check for you.

Why You Should Use Check City Check Cashing

Check City is a check cashing store with over 70 conveniently placed locations nationwide. Since Check City began they’ve grown to provide all kinds of financial products, but Check City’s roots are in check cashing services.

The check cashing services at Check City are fast and easy. Check City is also open much later than most banks. Some Check City stores are even open 24/7!

At Check City, you don’t have to wait for the check to clear to get all of your cash. Once Check City verifies the check they can give you all your money right then.

Check City also doesn’t have a limit for the check amount. As long as Check City can verify the check, they can cash it for you.

The check cashing fees at Check City are also very simple. Check City fees are based on the type of check you want to cash. Check City’s low rates start at 1.99% for in-state payroll and government checks. That means for payroll and government checks it only cost about $2 per $100 to cash your check at Check City.

Check City also cashes all kinds of checks! Here are the kinds of checks you can cash at Check City:

  • Payroll checks
  • Cashier checks
  • Counter checks
  • Government checks
  • Insurance drafts or checks
  • Money orders
  • Tax refund checks
  • Personal checks
  • Out-of-state checks

Where Can I Cash a Check?

If you aren’t very familiar with checks than you might be wondering, where can I cash my check? Figuring out where to cash a check takes careful consideration.

First, you have to consider the type of check you have and how much is on the check to figure out, where can I cash my check?

Second, you don’t want to go very far just to cash a check so you want to figure out, where can I cash my check near me? Where you cash a check will also factor into how much it costs to cash a check, how late you can cash a check, or how long you have to cash a check.

Every check cashing location will have different check cashing policies about all of these variables. That’s why it’s always a great idea to list your check cashing questions down and call the check cashing place ahead of time to get all your check cashing answers.

Where Can I Cash a Personal Check?

Are you wondering where to cash a personal check? First of all, if you want to cash a personal check then the personal check needs to be made out to you and not someone else.

Personal checks are one of the most common types of checks. This means that you can usually cash personal checks almost anywhere that accepts checks. Personal checks are the most straightforward checks and are thus usually the easiest type of check to cash.

You can cash a personal check at your bank or credit union, the bank or credit union that printed the check, retail stores like Walmart, or local check cashing stores like Check City.

Where Can I Cash a Cashier’s Check?

Or maybe you’re wondering where to cash a cashier’s check? Cashier checks are insured by the bank that printed the cashier check. This means that whoever gave you the cashier’s check, has already had the check funds taken out of their own account, so the cashier’s check won’t bounce.

Because cashier checks are insured checks, they are also pretty easy to cash. Most of your regular check cashing places will also accept cashier checks.

Where Can I Cash a Check on Sunday?

Sunday can be a great day for getting all your errands done. But you can’t cash a check on Sunday if the check cashing place is closed.

If you need to find where you can cash a check on Sunday, you can always use an ATM that accepts checks. Most likely though, cashing a check at an ATM will require a bank account and several business days for the check to deposit into your bank account before you can cash out those funds.

Lucky for you, many Check City locations have more open hours than banks do. This means that many Check City locations are even open on Sunday! Cash a check on Sunday at Check City by visiting the Check City Locations Page, finding a Check City near you, and checking their Sunday hours of operation.

Where Can I Cash a Check without ID?

If you are one of the 21 million American adults that don’t have a government-issued photo ID then you might be wondering, where can I cash a check without my ID?

One way to cash a check without ID is to use a mobile app to deposit the check to your bank account using your phone. But this method only works if you have a bank account.

If you need to know where you can cash a check without ID and without a bank account, then you can use 2 forms of secondary ID instead of a single primary ID at any check cashing store, like Check City.

All you need is 2 of the following examples of secondary ID:

  • Alien registration photo card
  • College photo ID
  • Employment photo ID
  • Firearms permit photo ID
  • Foreign driver’s license photo ID
  • Permanent resident photo card
  • U.S. birth certificate
  • U.S. employment authorization photo ID
  • Welfare photo ID

Where Can I Cash a Check for Free?

The only place where you can cash a check for free is at a traditional bank or credit union where you have an account in good standing, and the bank or credit union also offers free check cashing.

In order to get free check cashing though, you have to first find a bank or credit union that offers free check cashing services to their members, and then meet all the minimum requirements to be a member of that bank or credit union.

How to Cash a Check at a Bank

Step One: Check the check for errors. You want to make sure the check is properly signed on the front by the check sender, that all sections of the check are correctly filled out, and that the check isn’t damaged in any way that will cause problems for you. Make sure you endorsed the check properly in the right spot on the back of the check as well.

Step Two: Visit your nearby bank location.

Step Three: Hand the bank teller the endorsed check you wish to cash, your photo ID, and possibly your debit card from the bank. You might need to provide your bank’s debit card if you want to deposit the check into your bank account.

Step Four: Endorse the back of the check at the teller’s desk, not before. This helps prevent check fraud in the case the check were to get stolen or lost before you got to the bank.

Step Five: Tell the bank teller what you want to do with the check. Do you want to deposit the check into your account? If so, which account do you want to deposit the funds into? Or do you want to receive the check funds in cash?

Step Six: So long as everything is in order, the teller will process your check, hand you your cash, and you can be on your way!

Most banks won’t cash checks unless either the check sender or receiver has an account with them. This means you can cash your checks at your own bank or you can cash your check at the bank of the person who wrote the check out to you.

How to Cash a Check at a Credit Union

Step One: Visit the local credit union where you or the check issuer has a membership.

Step Two: Provide the endorsed check and your photo ID to the credit union worker.

Step Three: If you have a membership at this credit union then you can ask the credit union teller to deposit the check’s funds in your account. If it’s the check issuer that has an account at this credit union, then you’ll most likely want to ask for the check in cash.

Step Four: The credit union teller will process your check and hand you the check funds in cash.

Like many banks, you can’t cash checks at just any credit union. You either have to have an account in good standing with the credit union, or the check issuer needs to have an account with the credit union in order for you to cash a check there.

Banks and credit unions prefer to only cash checks for members of their bank or credit union. This is because for the credit union, a cashed check is money going out, and they want to be sure those funds are good. This is why it’s more difficult to cash a check at a bank or credit union when neither the check issuer nor the check receiver has accounts with that financial provider.

Credit unions can be especially strict about this policy since credit unions are a membership-based financial institution. Credit unions are more likely to exclude customers who aren’t members of the credit union from their financial services.

How to Cash a Check at an ATM

Step One: Find an ATM that accepts checks.

Step Two: Double check that you have enough funds already in your account to take out the money on the check.

Step Three: Insert your debit card into the ATM.

Step Four: Type in your debit card pin to access your account.

Step Five: Select the option “Cash Check” or “Deposit Check.” Some ATMs will allow you to deposit a check, but they won’t allow you to directly cash that same check. In this case, you’ll want to deposit the check into your account and then cash out the check amount from that same account.

Step Six: Endorse the check by signing the back of it and insert the check into the ATM when prompted.

Step Seven: Verify the amount on the check. Once verified you’ll be able to either directly cash the check or deposit the check so you can indirectly cash the check through depositing it and taking out funds from your account.

In order to deposit or cash a check at an ATM, you’ll most likely need to have an account with a bank or credit union that has ATMs that accept checks.

Some ATMs will let you take cash from the check immediately, while other ATMs will only let you deposit the check. It will then take a few business days for the check’s funds to be available in the account.

Once they are available you can use your debit card to take out the cash from your account at an ATM.

How to Cash a Check at a Check Cashing Store

Step One: Visit your local check cashing stores, like Check City.

Step Two: Provide the endorsed check and your photo ID to one of the tellers.

Step Three: Fill out a short customer information form.

Step Four: Walk out with your cashed check!

Another way to cash a check without a bank account or credit union membership is to use a check cashing store. Check cashing stores specialize in check cashing services. This usually means that there won’t be as many restrictions about the checks you’re allowed to cash or the amount you’re allowed to cash at one time.

Check cashing stores also don’t have memberships so no one has to qualify for a membership in order to utilize the financial services of a check cashing store.

Instead, Check cashing stores normally charge a flat fee or a percentage of the check for their simplified check cashing services.

You can easily check these check cashing fees at the store, by asking a teller, or by visiting the check cashing store website.

How to Cash a Check at a Retailer

Step One: Visit your local retail store that accepts checks and check cashing services and go to the customer service counter.

Step Two: Provide a cashier at the customer service counter with the endorsed check and your photo ID.

Step Three: The cashier will process the check and get your cash. Depending on the check cashing rates at that retail store you might also have to pay a fee at the cash register for cashing a check there.

Some retailers and stores will let you cash your checks at the customer service counter. Many retailers will also charge a check cashing fee. Other stores only allow check cashing for customers who are a part of their membership program.

The store might also have a cash limit for how much you’re allowed to cash at one time. You’ll need to know all of this information before going to the store to cash your check.

Retail Stores that Accept Checks:

  • Liquor stores
  • Walmart
  • Gas stations
  • Western Union
  • 7 eleven
  • Casinos
  • Convenience stores
  • Kroger

How to Cash a Check with your Phone

Step One: Open your bank or credit union’s mobile app.

Step Two: Select the menu and find “Deposit Checks” or an action like it.

Step Three: Choose the account you want to deposit the check to and verify the exact amount on the check.

Step Four: Take a photo of the front of the check and the back of the check. Make sure you properly endorse the back of the check before taking the photos.

Step Five: Follow the rest of the instructions for depositing the check on your bank or credit union’s mobile app. Once the check is deposited, void the check by writing the word “VOID” in big letters across the front of it. That way, you’ll know you already deposited that check.

Many banks now let you use their mobile app to snap a picture of your check and deposit it with your phone. And using your phone to deposit a check is so easy!

You can’t cash a check on your phone, but you can deposit a check on your phone, and then those funds will be available for you to cash out by getting cash back at the store or by visiting an ATM.

How to Cash a Check Online

Cashing a check online is going to be the same process as cashing a check on your phone. Use your bank’s mobile app to deposit the check, then cash out the check’s funds at an ATM.

This might seem like a roundabout way to cash a check. But if you deposit the check on your phone, the funds might drop into your account sooner. That means your check’s funds will be available sooner for you to cash out at an ATM.

Some bank websites might also let you deposit checks online. The process will still be the same. You’ll still need to endorse the check, take pictures of the front and back of the check, verify the check amount, and upload all of this into the correct place on your bank’s website.

How to Cash a Check on PayPal

Step One: Open the PayPal app on your phone.

Step Two: On the bottom of your PayPal home screen, click the “More” button in the lower right-hand corner.

Step Three: In the “More” menu, click “Cash a Check” near the bottom of your menu list.

Step Four: Follow the instructions after you click “Get Started.” Snap a picture of the front and back of the check you want to deposit, enter the check amount, and click “Next.”

Step Five: Pick how quickly you want access to the funds and click “Confirm” to finish. Now you’ll just have to wait for your check to get approved and deposited into your PayPal account.

If your bank or credit union doesn’t offer online check cashing, you can deposit checks on PayPal!

Once your check has been deposited into PayPal you can void the paper check. You might also need to set up a PayPal Cash Plus account in order to deposit checks to your PayPal account.

Can You Cash a Check at Walmart?

Can I cash a check at Walmart? Yes, you can cash a check at Walmart, but Walmart does have some check cashing fees, limits, and requirements you should be aware of first. Here are some of the most frequently asked questions for cashing checks at Walmart:

How to Cash a Check at Walmart:

  1. Visit your local Walmart store and go to the customer service counter.
  2. Provide the customer service clerk with the endorsed check, your photo ID, and pay the check cashing fee.
  3. The customer service clerk will process the check and get your cash.

Can I cash a personal check at Walmart?

Can you cash a personal check at Walmart? Yes, you can cash a personal check at Walmart, but the personal check must be made out to you.

Can I cash a cashier’s check at Walmart?

Yes, you can cash a cashier’s check at Walmart.

How late can you cash a check at Walmart?

How late can I cash a check at Walmart? You can normally cash a check at Walmart during their normal store hours or so long as their customer service or Money Center counters are still open and operating. Typically, you can cash a check at Walmart as late as 9:00PM, but it’s always good to call ahead and ask to be sure.

What do you need to cash a check at Walmart?

What you need to cash a check at Walmart is a current and valid ID and the check you want to cash.

How much is it to cash a check at Walmart? Walmart bases its check cashing fees on the amount of the check. Checks that are $1,000 or less cost $4 to cash at Walmart and checks that are more than $1,000 cost $8 to cash at Walmart. Two-party personal checks have a separate check cashing fee of $6 or less for two-party personal checks up to $200. Walmart won’t cash checks that are over $5,000.

How much does AMSCOT charge to cash a check? AMSCOT bases its check cashing fees on both the type of check and how much the check is. Their lowest check cashing fee is $3 and their highest check cashing fee is $14.95. For checks that are over $1,000, AMSCOT charges 2% of the check amount.

How much does Kroger charge to cash a check? Kroger bases its check cashing fees on whether you have a Kroger Shopper’s Membership Card, the amount on the check, and what type of check you want to cash. For Kroger Shopper’s Members check cashing fees start at $3 for checks that are $2,000 or less and for checks higher than $2,000 check cashing fees start at $5.50. Kroger won’t cash checks that are over $5,000.

How to cash a fake check at Walmart:

You cannot and you should not cash a fake check at Walmart. Checks are a very secure form of payment and checks are very traceable. This makes checks incredibly hard to fake or steal.

Report check scams and fraud to the local government or federal government by contacting your state’s consumer protection office or by contacting your nearest federal agency office. If the check scam or fraud is an emergency, you can contact the National Center for Disaster Fraud by phone (866-720-5721) or by email ( If you notice a very common scam, like sketchy phone calls or emails, you can report it to the Federal Trade Commission (FTC) at 1-877-382-4357 or by visiting their website.

It’s important to protect yourself from check fraud and check scams. You can read more about check scams and how to safely avoid fake check scams by visiting the Consumer Information page on the FTC’s website for “How to Spot, Avoid and Report Fake Check Scams.”

There are criminal consequences for knowingly trying to cash a fake check. You could get heavily fined or even jail time for check fraud.

If you are in desperate need of funds there are legal options available to you. You could take out a Check City Personal Loan or you could get into contact with your city’s human resources to get the help you need.

Where Can I Cash a Check Near Me?

Looking for where I can cash a check near me? Visit Check City’s Locations Page to find a Check City near you so you can easily cash your check today with just one simple visit.


wikiHow. “How to Cash a Check.”

the Balance. “How to Cash a Check: Learn how and where to cash checks,” by Justin Pritchard.

Nerd Wallet. “How to Cash a Check Without Huge Fees,” by Margarette Burnette.

Smart Asset. “How to Cash a Check,” by Danielle Klimashousky. “How to Cash a Check Without an ID or Bank Account.”

How to Cash a Check


There are so many options today for where and how to cash a check. There are even different kinds of checks you need to know about when cashing a check.

Explore this Check Cashing Guide:

Before Cashing a Check

There are things you need to know and be prepared for before you can cash a check. There are things you’ll need to do, items you’ll need to bring, and information you need to know.

For example, some banks and retailers will charge a percentage of the check or a fixed fee for cashing a check, but you might be able to avoid these fees if you cash the check with a bank that has your account.

There might also be a limit to how long you can wait to cash a check. Some banks won’t cash a check if it’s 6 months old or older.

You’ll also need to learn how to properly endorse a check before you can cash a check, and this isn’t all you need to know before cashing a check. Below we’ll go over everything you need to know and ask about before cashing a check, and then we’ll go over what you need to know in more detail.

Before you cash a check you’ll need to do the following:

  • Make sure the check is correct, properly filled out, and not damaged.
  • Choose where you’re going to go to cash your check.
  • Ask about fees associated with cashing the check.
  • Ask about when the funds will be available and if you can cash it now.
  • Ask what all you need to bring to cash a check.
  • Ask how long you have to cash the check.

Where you can go to cash a check:

  • Cash a check at the bank
  • Cash a check at the credit union
  • Cash a check at the ATM
  • Cash a check at a check cashing store
  • Cash a check at the grocery store or other retailers
  • Cash a check on your phone
  • Cash a check online

What you need to bring to cash a check:

  • Photo ID
  • The check
  • Your debit card
  • Money for any check cashing fees

How to Endorse a Check

The first thing you need to know before you can cash or deposit a check is how to endorse a check. It’s really quite simple. The person sending the check signs the front of the check and the person receiving the check signs the back.

So what is endorsing a check? Endorsing a check gives the check cashing provider you’re using (like the bank) permission to collect payment for cashing that money to you.

So who endorses a check? The person who receives the check needs to endorse the check. The person who wants to deposit or cash the check is the one who needs to endorse it.


Step One: Flip the check over.

Step Two: Sign your name under the words “ENDORSE CHECK HERE.”

Be careful not to write anything below the words, “DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE ***RESERVED FOR FINANCIAL INSTITUTION USE***”

How to Cash Business Checks

Step One: Visit the bank that holds the business’s bank account.

Step Two: Verify your identity and relationship with the business.

Step Three: Provide the endorsed check.

Step Four: Get verified as an authorized person to cash that business check and walk away with cash in hand.

A business check is a check written to or from a business. They are in some way linked to a business’s bank account. As a business owner, you might need business check cashing services in order to cash or deposit checks that customer’s used to pay for your services or products. Or you might need to cash a check given to you by a business.

Business checks get complicated because they are not written to or from individual people, but rather to a business organization. Depositing a business check into a business’s bank account is also easier to do then cashing a check that is written out to a business rather than to you individually. Whether you can cash a business check or not also depends on the structure of your business, whether you’re the primary owner of your business’s bank account or if there are co-owners and copartners in charge of the business bank account.

Either way, to cash a business check, you’ll want to go to the bank that holds that business’s bank account. The bank that holds that business’s account will be the most familiar with the business, how it’s structured, and who should and shouldn’t be allowed to cash checks written to that business.

How to Cash a Personal Check

Step One: Take the check and your photo ID to the bank or your preferred check cashing provider.

Step Two: Endorse the check before you hand it to the teller.

Step Three: The teller will process your personal check and get you the cash from your check.

Personal checks are checks from someone’s personal checkbook. They are also one of the easiest checks to cash. You just need to be the person the check is written for and have a photo ID ready to prove you are the person the check is meant for.

How to Cash Cashier Checks

Step One: Take your cashier check to a check cashing provider that accepts cashier checks.

Step Two: Provide the endorsed cashier check along with your photo ID and ask to have the cashier check cashed.

Cashier checks are checks that are guaranteed by the bank. With a cashier check, the bank will take the check amount out of your account immediately, so you don’t have to wait for the person receiving the check to do so.

For the receiver of the cashier check, you can treat the cashier check just like any other check! You just have to be sure your check cashing provider accepts cashier checks.

How to Cash a Two-Party Check

Step One: Figure out whether both parties named on the check must be present to cash the check or not. If the two-party check says, John AND Jane, then both John and Jane must be present to cash the check. If the two-party check says John OR Jane, then only one person needs to be present to cash the check.

Step Two: The same principle applies for endorsing the check. If the two-party check says, John AND Jane, then both John and Jane must sign their names on the back of the check to endorse it. If the two-party check says John OR Jane, then only one person needs to sign their name on the back of the check to endorse it.

Step Three: Bring the two-party check with the correct amount of endorsement signatures and the correct amount of people required to be present to your check cashing place and otherwise proceed as normal to cash the check.

A two-party check is a check that is written out not just for one person but for two people. This often happens when friends and relatives want to write a check out to a newly married couple by writing “Mr. and Mrs. Johnson” on the “Pay to the Order of” line of the check.

You can avoid complications like this by telling your guests beforehand who exactly to write the check out to.

Otherwise all you need to know when dealing with a two-party check is the following:

When a two-party check is written out to “John AND Jane” then both John and Jane need to endorse the check and be present to deposit or cash the check.

When a two-party check is written out to “John OR Jane” then only one person, John or Jane, needs to endorse the check and be present to deposit or cash the check.

How to Cash a Two-Party Check with One Signature

You can easily cash a two-party check with one signature if the “Pay to the Order of” line on the front of the check uses the word OR between the names of the two parties. But if this same lines uses the word AND between the names of the two parties, then both parties will have to sign the two-party check in order to cash it.

If you have questions, you can always ask your bank (or wherever you want to cash the check) what their policies for two-party checks are.

You can also ask the writer of the check to rewrite the check to better suit your needs and to make the check easier to deposit or cash. This might mean splitting the money up into 2 checks for each person, or only putting one name on the check for whoever will actually go to the bank to cash it.

How to Cash a Two-Party Check Without a Bank Account

Step One: Find a check cashing place that accepts two-party checks or go to the bank that issued the check.

Step Two: Provide the check with the endorsement signatures and photo IDs of both parties outlined on the check. You’ll also want to make sure both people listed on the check are present.

Don’t have a bank account? It’s no problem! You can still easily cash your checks without a bank account. Instead of cashing your check at a bank just go to any check cashing store or retail store that also cashes checks. Just call ahead to make sure they accept two-party checks.

You can also still cash a check at a bank even if you don’t have a bank account. But the bank might charge you a fee if you don’t have an account with them. You can also cash your check at the bank that printed the check.

You can also give permission for someone else to cash a check in your stead. This is known as a third-party check.

How to Cash a Third-Party Check

Step One: The person whose name is originally on the check and the person they are handing over check cashing permission to must both go together to the check cashing place.

Step Two: Both of you will show photo IDs to the teller, and the original recipient of the check will write a special permission for you to cash the check on the back of the check.

A third-party check is when you are cashing a check in someone else’s stead. For example, maybe your friend doesn’t have a bank account and wants to avoid check cashing fees. They can give you permission to cash the check for them. You would then be cashing a third-party check because while you are cashing the check, the check was written to someone else.

How to Cash a Check for Someone Else

To cash a check for someone else you must understand how to use a third-party check.

Step One: On the back of the check where you would normally endorse the check write, “Pay to the order of . . . ” followed by the name of the person you want to give permission to.

Step Two: Then sign your name below this to finalize giving your permission to that person.

Step Three: To be extra sure, sign your initials near the written and numerical amounts on the front of the check as well.

Say Mary Johnson has a check that was written for her on the front, but she wants to give Jane Smith permission to cash the check for her. All she has to do is write “Pay to the Order of Jane Smith,” followed by her own signature on the back of the check where it says “ENDORSE HERE.” Then Mary can write her initials by each mention of the monetary amount on the front of the check, and now Jane Smith can cash the check in her stead.

However, it’s still likely the bank will want both Mary and Jane present when Jane goes to cash the check.

How to Cash a Check Without a Bank Account

Around 9 million US households don’t have bank accounts according to a survey done by the Federal Deposit Insurance Corp (FDIC). Many people don’t have bank accounts, but that doesn’t mean they don’t have financial needs they need to take care of, like cashing checks.

If you want to cash your check at a bank, but you don’t have a bank to go to, you can go to the bank of the person who wrote the check for you. Most banks will cash checks that came from them even if the check receiver has no account with them.

The reason banks can be finicky about cashing your check if you don’t have an account with them is to protect themselves from fraud or cashing bad checks. A check is more likely to be good if the check recipient and/or the writer of the check have an account and financial relationship with the bank. Then at least one party in the check transaction is familiar to them.

You can also cash your check at a check cashing place that doesn’t require customers to have an account, like a retail store or check cashing store.

How to Cash a Check Without ID

There are many reasons you might need to cash a check without ID. Your ID could have been stolen or misplaced. It could be expired and you’re waiting on the new one to arrive or you haven’t made it to the DMV yet to get a new one.

Financial providers usually ask for ID when cashing checks because it helps verify that this check is in fact meant for you. Otherwise, stolen checks would get cashed by the wrong person more easily, and no one wants that.

Acceptable forms of ID usually need to be government-issued, meaning it can’t be your student ID. The photo ID you provide a financial institution needs to be more official and universally recognizable than that. Though some institutions will accept school or employer IDs as valid forms of secondary ID. But there is a chance they will ask for 2 forms of secondary ID in this case.

Your photo ID also can’t be expired. If it’s expired then it’s not a valid form of ID. Below are some examples of primary and secondary IDs you can use when cashing a check.

Examples of Primary ID:

  • Driver’s license
  • Photo ID
  • Passport
  • Visa
  • Military ID
  • Tribal ID

Examples of Secondary ID:

  • Alien registration photo card
  • College photo ID
  • Employment photo ID
  • Firearms permit photo ID
  • Foreign driver’s license photo ID
  • Permanent resident photo card
  • U.S. birth certificate
  • U.S. employment authorization photo ID
  • Welfare photo ID

If you don’t have any of these forms of ID on you, then there are still a few things you can do to cash a check without ID. You could get someone else to cash it for you by signing the check over to someone else.

Or you could deposit your check at an ATM, using your bank’s mobile app, or depositing a check on PayPal in order to avoid getting asked to see your photo ID in the first place.

How to Avoid Check Cashing Scams

Scammers are always trying to find new ways to steal your money. It’s your job to stay up to date on the latest scams so you can be aware and protect yourself. Below are just a few practices you can do to avoid check cashing scams.

  • Never give permission to someone you don’t already know and trust to cash your check.
  • At some places when you cash or deposit a check you’ll get a deposit slip that you might need to fill out and sign. Keep this slip for your records.
  • Put your cash away before leaving the teller’s counter. Don’t walk out of the building or away from the counter with a pile of cash visible in your hands.
  • Ask for the option to only cash out some of the money from the check and deposit the rest into your account. Don’t walk around with too much cash on hand.
  • You can also put the check funds on a Check City Prepaid Debit Card. This is safer and easier to use than carrying around cash.


wikiHow. “How to Cash a Check.”

the Balance. “How to Cash a Check: Learn how and where to cash checks,” by Justin Pritchard.

Nerd Wallet. “How to Cash a Check Without Huge Fees,” by Margarette Burnette.

Smart Asset. “How to Cash a Check,” by Danielle Klimashousky.

Check City Blog. “The Advantages of Using Checks,” by Kimber Severance.

Check City Blog. “How to Write a Check,” by Kimber Severance.

Bankrate. “4 ways to cash a check without a bank account,” by Amy Freeman.

First Quarter Finance. “How to Cash a Check Without ID: Is It Possible? Answered in Detail,” by William Lipovsky.

Check Cashing Near Me (a How-To-Find Guide)

Check Cashing Near Me (a How-To-Find Guide)

Checks aren’t going away and neither is the need to safely and securely cash them.

Explore This Check Cashing Guide:

Check cashing services are offered by many financial providers and retail stores. The most common places that will help you cash your check are banks, credit unions, and check cashing stores. Check cashing services often charge a fee or a percentage of the check for cashing it.

You might need a check cashing service provider because you get your paychecks via check rather than through direct deposit. 1.7 billion adults worldwide don’t even have a bank account for direct deposit, which means checks are still a very popular financial product. Check cashing stores are also often a really easy place for anyone to quickly get their check cashed.

Why You Should Come To Check City For Check Cashing


Looking for “check cashing near me?” Then you might be in luck! Check City has over 70 locations across the US, meaning there might be a Check City near you! Just do a quick Check City Location Search here, and you’ll find your nearest Check City check cashing store in a matter of seconds.

Check cashing services are the roots of Check City stores. It’s where we began and where we excel! At Check City, you can get convenient and affordable check cashing services that will leave you wondering why you ever went anywhere else. Visit the Check City Check Cashing Page for everything you need to know about cashing a check at Check City.

Where to Cash a Check Near Me


People search for “check cashing near me” every day. As you can see, the search volume for how many people google “check cashing near me” and other related phrases is over 300k! That’s because check cashing needs aren’t going anywhere anytime soon.

Below are a few examples of other related phrases that people searching for check cashing near me are also looking for. These searches can also give us some insight into some of the more popular places to go for check cashing, like check cashing locations, Walmart, and even gas stations.

  • liquor stores that cash checks near me
  • check into cash locations near me
  • ACE check cashing near me
  • Walmart check cashing near me
  • United check cashing near me
  • gas stations that cash checks near me
  • Cliff’s check cashing near me
  • Western Union check cashing near me
  • check cashing ATM near me
  • Check Cashing USA near me
  • CFSC check cashing near me
  • David’s check cashing near me
  • 7 eleven check cashing kiosk near me
  • casinos that cash payroll checks near me
  • convenience stores that cash checks near me
  • EFS check cashing near me

So you have a check and you want to get it cashed. There are a few places you can go! Each check cashing place has its own benefits to consider. Before you decide where you want to take your check to cash it, consider these different check cashing places to figure out the best place for you to cash your check.

Cash a Check at a Bank

One of the first places you can use to cash a check is a bank. Using a bank to cash your check is easiest if you have a bank account with that bank. You can go to your own bank where you already have an account or if you don’t have a bank account you can go to the bank that issued the check.

Checks usually come with the name of the bank that issued it somewhere on the check. Most banks will cash one of their own checks even if you don’t have a bank account with them.

Cash a Check at a Credit Union

A credit union is another great place to cash a check. But credit unions can be harder to use for cashing a check if you aren’t a member of the credit union. Credit unions are great because they are member-owned and controlled. At credit unions the members come first, meaning credit union members often enjoy fewer fees than bank members.

If you want to save on check cashing fees then you’ll probably have luck cashing your check with your credit union. You might even be able to cash your check for free!

Cash a Check at a Check Cashing Store

Check cashing stores are the next most official place to go when you have a check to cash. A check cashing store is a financial alternative to banks and credit unions. Many people are unbanked either because they choose not to use banking services or they want to avoid all the minimum requirements and fees that many traditional banking platforms have.

Check cashing stores are a popular option amongst the unbanked because no one has to have an account or meet account requirements to use all the financial services at a check cashing store.

To make up for the risks check cashing stores take on by providing financial services to a wider audience, most check cashing stores will have check cashing fees. You can usually find these fees easily at the check cashing store, by calling or talking to a teller, or by looking on their website.

Cash a Check at a Retail Store

One of the less known places you can go to cash a check are stores, like Walmart or other grocery stores like Kroger’s. Like a check cashing store, these places will also charge fees for cashing your check with them. You can normally find these fees by searching on their websites for this information.

Many times stores that will cash your check will also have limits on how much they are allowed to cash out. This might even depend on what state you live in or how equipped the branch of the store you went to is to handle your check. This is a reason many people like to cash their checks at institutions that focus on financial products and services like check cashing stores, banks, and credit unions.

Cash a Check at a Gas Station

Did you know that gas stations aren’t just for cars and road trip snacks? You can also get checks cashed at many gas stations too! Again, there might be some check cashing fees involved and limits to how much you can get cashed at one time. That’s why having a stable place to go for check cashing services is important.

Get Someone Else To Cash The Check For You

Surprisingly, there is another option for cashing a check. Get someone else to do it! By writing permission on your check you can actually give permission to someone else to cash your check for you.

You might want to give check cashing permission over to someone else for several reasons. You might not have an easy way to cash a check and someone close to you that you know and trust does. You might not have a bank account but you want to avoid the fees that come with cashing checks without a bank account.

Or you might not have a current valid ID to use to cash your check. Many places you can go to cash a check will require a current and valid form of ID. If you still need to update your photo ID, but you also need to get this check cashed now, then having a friend cash the check for you might be the solution. Or maybe you just don’t have time to go get the check cashed and someone else does.

How to Sign Over a Check to Someone Else: Signing over a check to someone else means you’re creating a third-party check. To cash a third-party check you have to first make sure the check cashing location accepts third-party checks.

First, on the back where you would normally endorse the check, write “Pay to the order of” and the name of the person you want to give permission to for cashing the check.

Second, sign your own name and initial the monetary amounts on the front of the check.

Third, hand the check over to the person you gave permission to on the back of the check. Now they can go to the check cashing place to cash the check themselves.

Check Cashing Needs

When shopping around online for which check cashing place you want to use, it helps to know what you want in a check cashing place, and what most check cashing places allow. There are different kinds of checks and different check cashing needs you’ll need to consider before deciding on a check cashing location to frequent.

Check Cashing Features
  • personal check cashing near me
  • payroll check cashing near me
  • check cashing places that don’t require ID near me
  • third-party check cashing places near me
  • cheap check cashing near me
  • free check cashing near me
  • check cashing loans near me
  • places to cash tax refund checks near me
  • self-service check cashing kiosk near me
What are the Different Types of Checks?
  • Payroll checks
  • Government checks
  • Income tax refund
  • Insurance settlement
  • Business checks
  • Stimulus checks
  • Child support
  • Debit card cashing
What Do You Need to Bring to Cash a Check?
  • The check
  • A current and valid form of ID
  • Social security card or taxpayer identification number if you’re cashing a tax refund

How to Find Check Cashing Near Me on Google


Step One: allow permissions for your location. If you want to find check cashing near you, then you’ll need to let the device you are using know where “near you” is.

Step Two: open Google Chrome and type in “check cashing near me” in the search bar. Now Google will show you a featured snippet that shows your map and a list of nearby check cashing places.

Google will also pull up different relevant websites in your search results. This might be the websites for some local check cashing places or links to other websites, like the Yellow Pages or Yelp, that can also help you find check cashing near you.

You can also become a Google searching master by using the following search variant tips to advance your Google searching:

Search Variant Function Example
+ so the search engine won’t overlook that word “+payday +loans near me +no +credit +check”
– so the search engine ignores a word “payday loan –places near me”
~ to find synonyms for that word “payday loans near me ~online”
* to allow the search engine to fill in the blank “payday loans near me open now *”
OR, | means “either or” “payday loan stores near me OR payday loans near me open”

These useful Google search variants aren’t the only Google search tips and tricks you can use. Take a look at these other Google search hacks to help you get the best results on Google:

  1. Try putting your search phrase in quotation marks. This helps your search engine not interpret the phrase but search that exact phrase.
  2. Try generalizing your search more.
  3. Try being more specific.
  4. Use an advanced search. Most search engines have an advanced search option.
  5. Try switching up your search engine and see if you get better results.
  6. Take out filler word and punctuation like a, the, on, and.
  7. Use the base word, don’t conjugate, or pluralize your words. So instead of searching “jogging” search “jog” and instead of searching “dogs” search “dog.”
  8. Use autocomplete to finish your search.

How to Find Check Cashing Near Me on Google Maps


Step One: make sure your device has permission to see your location. You can check this easily by clicking your Google account profile image and then selecting “Manage your Google Account.” Then click “Data & Personalization” on the left-hand side of the screen. Under “Activity controls” you’ll want to make sure Location History is turned on.

Step Two: enter “” into your desktop browser or open the Google Maps app on your phone.

Step Three: enter “check cashing near me” in the “Search Google Maps” search box and press enter. Now Google will give you a list of all the check cashing places near you. Usually, the closest places will be listed first.

Using Google Maps to find check cashing near you is great too because you can easily see service ratings for each check cashing place, the hours, the primary phone number in case you have questions, the website if you want to learn more, and directions to help you know how to drive to the check cashing location.

Google Maps also lets you adjust your search. Just use your finger or your cursor to move the map around in order to search different areas of the map for check cashing near you.

How to Find Check Cashing Near Me on Apple Maps


Step One: open the Apple Maps app on your Apple device.

Step Two: type “check cashing near me” into the search bar and click enter.

Step Three: once you pick the check cashing place you want to visit, select “Directions” and then select whether you want to drive, walk, bike, or use public transit to the check cashing place.

Step Four: tap “Go” and you’re on your way! Now Siri’s voice will help guide you to the check cashing place so you can cash that check and get your money.

One perk to using Apple Maps that many mapping applications now have is that you can add detours to your trip. Apple Maps also let you text your ETA with the simple click of the “Share ETA” button. Then, if you end up liking the check cashing store you used, you can save its location to a “Finances” collection of places on your phone so you can easily find it again later.

How to Find Check Cashing Near Me on Yelp


Step One: type “” into your web browser or open the Yelp app on your phone.

Step Two: type “check cashing near me” into the “Find” bar.

Step Three: type your city and your state into the “Near” bar.

Step Four: once you’ve filled in these 2 spaces you can click enter and find out what check cashing places are on Yelp and in your area.

Yelp is a great place to find nearby places, especially if you’ve never been to a check cashing store. Reading Yelp reviews can help you decide which check cashing place to try out.

How to Find Check Cashing Near Me on Bing


Step One: type “” into your web browser.

Step Two: type “check cashing near me” into the blank search bar.

Step Three: click enter, and Bing Maps will show you a list and a pinned map of all the check cashing locations near you.

Bing also has mapping software that can help find places near you

How to Find Check Cashing Near Me through Friends


Step One: pull up your preferred social media platform.

Step Two: write a post that goes something like this:

ISO: Check cashing places near me.

Does anyone have recommendations for friendly check cashing places near me?

Step Three: add any other details you might be looking for into your post and post the finished recommendation query on your feed.

Now all you have to do is wait for the replies, messages, and comments to start coming in from the friends and family you know and trust.

How to Find Check Cashing Near Me with Voice Command


Step One: say the command or wake-up phrase that makes voice command start listening. For example, if you have an Apple device you would say “Hey Siri,” to wake up Siri so she starts listening to your questions and commands. Below you’ll find an easy guide for devices and their wake-up calls.

Device Wake-up Phrase
Apple “Hey Siri”
Microsoft “Hey Cortana”
Samsung “Hey Bixby”
Google “Hey Google”
Amazon “Hey Alexa”

Step Two: once you’ve woken up your smart assistant you can ask them to “find check cashing near me.” Then whatever smart assistant you’re using will bring up all the search results for check cashing locations near you so you can browse through them and pick one.

You can find voice command on almost any device these days. Even a lot of TVs have voice command now! Take advantage of the awesome, hands-free technology we have today, especially if you are driving and need to focus on the road.

How to Find Check Cashing Near Me on the Yellow Pages


Step One: open Yellow Pages on your web browser or through the Yellow Pages app on your phone.

Step Two: in the search box that says, “What are you looking for?” type, “check cashing.”

Step Three: in the box next to the search box, make sure your town and state are correct.

Step Four: press “Find” and a giant list of check cashing places near you will come up. Click on one that you’re interested in to see it’s full Yellow Pages profile.

Here you can check the hours they’re open, their full address, how long they’ve been in business, how many stars they have on Yellow Pages, and contact information. You can also click the little map to go directly to directions.

The usefulness of Yellow Pages will depend greatly on how popular Yellow Pages is for users in your area. If not many people are using Yellow Pages in your local area, then you might find more helpful reviews on Yelp or through Google reviews.

How to Find Check Cashing Near Me with Direct Mailers

Step One: bring the mail in from the mailbox.

Step Two: separate the direct mailers from the rest of your mail and don’t throw it away! Instead, take a moment to look at each piece of mail to determine whether it’s really junk, or a local business trying to let you know they’re there for you.

How to Find Check Cashing Near Me on KSL and Craigslist

ksl search

Step One: open KSL or Craigslist.

Step Two: type “check cashing” in the search bar.

Step Three: sift through the search results until you find a check cashing place you’d like to visit.


Reliable Soft. “Top 10 Search Engines In The World,” by Alex Chris.

Google Scholar.

Search Engine Watch. “5 things that Bing does better than Google,” by Jessie Moore.

Microsoft Edge.

Google Maps Support “Search for nearby places and explore the area.”

Apple Maps Support “Find places in Maps on iPhone.”

Apple Maps Support “1.7 Billion Adults Worldwide Do Not Have Access To A Bank Account [Infographic],” by Niall McCarthy.

What is Bitcoin?


Explore this Vocabulary Guide:

Electronic forms of money and electronic payment methods are becoming increasingly more popular every year. There is even some speculation that digital currency could someday completely replace physical money.

Whether that will ever happen, it’s hard to say. But it seems digital money is here to stay in the meantime.

What is Digital Money?

Digital money is any form of money or payments that are in online, digital, or electronic form. Digital money refers to the sums of digital money sitting in our bank accounts right now. When you pay for something with a credit or debit card, make a payment online, or “swipe” your phone to use Samsung Pay, Google Pay, or Apple Pay at the register you are using digital money.

Digital money can have many other names as well, like cryptocurrency, digital currency, or electronic funds. Bitcoin is also a form of digital currency.

What is Bitcoin?

Bitcoin is a unit of digital currency in the way that dollars or pounds are units of currency in their countries. The bitcoin unit of currency doesn’t belong to a specific nation though. Instead, Bitcoin is a peer-to-peer, transparent money system that isn’t connected to any third parties.

Bitcoin is basically a computer program that creates a digital money system that uses bitcoins or bitcoin tokens as the digital monetary unit.

Who Created Bitcoin?

Bitcoin was created by Satoshi Nakamoto. However, this name is most likely a pseudonym (a fake name). No one has been able to connect the name of Bitcoin’s creator to an actual person or group.

Many people and organizations have claimed to be Satoshi Nakamoto, but none of these claims have been proven. That is why the creator of Bitcoin remains a mystery to this day.

How Does Bitcoin Work?

Bitcoin works in a similar way to how precious metals work in the market. There is only so many units of precious metals in the world, just like there are only so many units of bitcoins. There are 21 million bitcoins in total supply.

Bitcoins are also “mined” in a similar way to how precious metals have to be mined before they can be owned, used, or circulated. But bitcoins aren’t mined from the ground, they’re mined through data.

Bitcoin miners use data mining to discover new blocks that are then added to the Bitcoin blockchain. They often use complex systems like Application-Specific Integrated Circuits (ASIC) or Graphic Processing Units (GPUs) as a type of digital mining rig or mining Bitcoin blocks. Bitcoin miners are then rewarded with bitcoins each time they mine a new block.

The History of Bitcoin

Bitcoin first began near the end of the year 2008. The first Bitcoin blocks were mined in the beginning of 2009, and Bitcoin has grown into what it is today since then.

October 31, 2008: Satoshi Nakamoto announces the creation of Bitcoin, calling it a peer-to-peer electronic cash system.

January 3, 2009: Block 0, the genesis block, the very first Bitcoin block, is mined.

January 9, 2009: Bitcoin block 1 is mined and Bitcoin increases in popularity ever since.

2010: Bitcoins were used to make a real-life purchase for the first time when a miner bought 2 Papa John’s pizzas with 10,000 bitcoins.

2012: More stores start accepting bitcoin as a form of currency for purchases.

2014: The Mt. Gox bitcoin exchange goes under losing around 850,000 bitcoins.

2017: The worth of bitcoins reaches $1,000 USD. By the end of 2017 bitcoin value would spike up to around $20,000.

November 2018: Bitcoins worth drops dramatically again down to $3,500.

2019: Bitcoin prices rise and fall again, reaching around $10,000 in June and back down again to $7,000 later that year.

2020: Bitcoin’s high for this year was just below $10,000, hit a low of $5,000 in March, and has been slowly rising again since.

How to Get Bitcoins

How does bitcoin mining work? Bitcoin miners can get bitcoins through using digital mining rigs to digitally mine for data blocks to add to the Bitcoin blockchain. Every time you add to the Bitcoin blockchain you are rewarded with a few bitcoins. This is the primary way to get bitcoin tokens.

You could also invest in Bitcoin by buying bitcoins from miners who are looking to sell. There are many sites you can find online where you can invest, buy, sell, or trade-in the Bitcoin market to get bitcoins.

How to Mine Bitcoins

The primary way to collect bitcoins is to mine for them. When you’re mining for bitcoins, you’re actually data mining for Bitcoin blocks. These Bitcoin blocks get added to the Bitcoin blockchain, and then you as the miner get a reward in bitcoins for each block you are able to add to the blockchain.

1. Set up a Bitcoin Mining Rig

The first thing you want to do if you want to start mining bitcoins is to get yourself some bitcoin mining hardware or a bitcoin mining machine. Some of the best bitcoin mining systems are ASIC chips or GPUs. These computer systems can provide 100 times the data mining capabilities of a regular CPU.

If you don’t want to spend big money on expensive computer hardware, you can also use a Bitcoin cloud mining service, but these services leave you more open to Bitcoin scams.

2. Download Bitcoin Mining Software

Once you have your Bitcoin mining hardware, it’s time to download the appropriate software so your computer can start mining. There are a few Bitcoin mining software programs you could choose from but CGminer, BFGminer, and EasyMiner are some of the most popularly used.

3. Join a Bitcoin Mining Pool

Bitcoin mining pools are groups of Bitcoin miners who join forces to mine faster and get more Bitcoin blocks and thus more bitcoins. Otherwise, Bitcoin mining can take a really long time, even years, before you get any bitcoins. With a group, the Bitcoin mining process can go a lot faster.

4. Get a Bitcoin Wallet

Once you start getting bitcoins you’ll want to set up a Bitcoin wallet to put them in. Once again, there are many different Bitcoin wallet systems for you to choose from, but Copay is one of the more popular Bitcoin wallets.

How long does it take to mine a bitcoin?

When Bitcoin was first starting out it could take a Bitcoin miner only 1 day to mine 1 BTC. But how long it takes to mine bitcoins increases every day as more and more miners take on the challenge.

How long it takes to mine a Bitcoin block is known as the hash rate or hashing rate. A hash actually refers to the cryptographic puzzle that the mining system has to solve in order to successfully “mine.” This rate of mining difficulty increases every 2016 Bitcoin blocks or about every other month.

Alone it can take up to 50 months to mine a single bitcoin. But with cloud mining and mining pools, you can take this time down from 50 months or more.

How to Invest in Bitcoin

Investing in Bitcoin can be a really profitable way to expand your financial portfolio into cryptocurrency.

As you enter the Bitcoin investment world you’ll want to figure out your long-term goals for this investment and manage your Bitcoin investments according to your goals.

1. Find where to buy bitcoins

First, you’ll want to find where to buy bitcoins. You can buy bitcoins at a cryptocurrency exchange. Most cryptocurrency exchanges will charge you a percentage of the bitcoins you purchase, so do your research before you pick the exchange you want to buy from.

Some cryptocurrency exchanges are also easier to use than others and will let you link to your bank account. Also, Bitcoin isn’t the only form of cryptocurrency. If you’re interested in other investments, like Ethereum or Litecoin, then you’ll want to choose a cryptocurrency that includes these forms of cryptocurrency as well.

Bitcoins go up and down in price every year. One bitcoin right now is worth $9,718.50. But you don’t have to buy $9,718.50 worth to start investing in Bitcoin. You can also invest in fractional Bitcoin shares so you can invest as little as $25 to get into the game.

2. Choose a broker

Ideally, you’ll also want to hire a broker or use a stockbroker program that knows how to deal with investments in cryptocurrency. Robinhood and TradeStation are 2 examples of investment platforms you can use to help manage your Bitcoin investments.

3. Set up a Bitcoin wallet

Once you have a system for buying, selling, and trading in Bitcoin, you’ll want to set up a Bitcoin wallet so you can safely store and use your bitcoins.

Bitcoin Wallet

A bitcoin wallet is like an electronic bank account to store your bitcoins. You need a bitcoin wallet in order to start working on the bitcoin network so the bitcoin tokens you earn have a place to go.

You can find the right bitcoin wallet for you by answering a short questionnaire on the official bitcoin website,

Hot Bitcoin Wallets

Hot wallets store bitcoins online and are connected to the internet. Bitcoins are stored on a cloud where you can access your bitcoins via an app on your phone or a website on your computer.

Most cryptocurrency exchange sites will offer a free hot wallet to store the cryptocurrency you buy. But many bitcoin investors choose to get a separate hot wallet from a provider like Coinbase, Electrum, or Blockchain.

Cold Bitcoin Wallets

Cold wallets store bitcoins offline on a portable hardware device and are not connected to the internet. Cold wallets can cost more but are often more secure. With a cold wallet, you can download your bitcoins and carry them around with you.

How much does a cold wallet cost? A cold wallet for your bitcoins can cost anywhere between $60 to $170 depending on the provider you choose.

The Best Bitcoin Wallets

The best bitcoin wallets will provide you all the features you want and need to effectively invest and use your bitcoins. You’ll want to first decide whether you want a hot or cold wallet, and take a close look at each Bitcoin wallet provider to compare all the pros and cons.

  • Coinbase (hot wallet)
  • Electrum (hot wallet)
  • Blockchain (hot wallet)
  • Mycelium (hot wallet)
  • Trezor (cold wallet)
  • Ledger Nano (cold wallet)

Bitcoin Key

A Bitcoin key is your personal passcode that allows you to access and use your bitcoins. It operates similarly to how a 4 digit code for phone lets you into your phone or a 4 digit code that you type in to authorize a transaction at the register after swiping your debit card.

The difference is that a Bitcoin key is a 256-bit number, not a 4 digit code. A Bitcoin key also represents your bitcoins more directly and are not just how you access your bitcoin funds, but how you use up each specific bitcoin.

How Much is Bitcoin Worth?

Is bitcoin mining profitable? Bitcoin prices are fluctuating all the time. Each Bitcoin block is worth a certain amount of bitcoin tokens. Every 210,000 blocks that get added to the total Bitcoin blockchain cause this bitcoin token reward to get cut in half. For example, in 2009 the reward for one block was 50 bitcoins in 2009. In 2020, the next bitcoin reward per block halving should occur again, making each mined block worth 6.25 bitcoins.

Since bitcoins are not connected to any government or organization, it isn’t legal tender. But as Bitcoin gained popularity it gained monetary value. The Bitcoin price USD or the Bitcoin price live can be found on a number of sites tracking the USD value of the bitcoin. Right now, 1 bitcoin is worth $9,718.50 USD.

Bitcoin Price History


As you can see from the chart above, bitcoin prices fluctuate a lot. Like any stock on the market, the price of Bitcoin fluctuates depending on the amount of supply and demand. The reason that bitcoin prices fluctuate so much is that the demand for bitcoins changes so frequently.

The reason the demand for bitcoins fluctuates so much is that there isn’t a national economy to back up Bitcoin. Instead, Bitcoin operates without third parties. The disadvantage to this is then that demand can skyrocket high and dip down incredibly low all in the span of a single year.

Date High Bitcoin Price Low Bitcoin Price
Jan 01, 2020 $7,254.33 $7,174.94
Jan 01, 2019 $3,850.91 $3,707.23
Jan 01, 2018 $14,112.20 $13,154.70
Jan 01, 2017 $1,003.08 $958.70
Jan 01, 2016 $436.25 $427.52
Jan 01, 2015 $320.43 $314.00
Jan 01, 2014 $775.35 $754.97

How to Avoid Bitcoin Scams

Whenever you’re dealing with investments and funds you want to be careful to avoid scams. Bitcoin scams aren’t too different from other money scams you might already know to look out for.

One of the primary ways to distinguish a scam from something legitimate is to check that the site you are using is secure and authentic.

You’ll also want to follow basic scam protection guidelines to keep yourself safe from Bitcoin scams:

  • don’t click on unfamiliar links that get emailed or texted to you
  • never give out your private Bitcoin key
  • don’t give out personal information because you feel pressured
  • perform a thorough background check of Bitcoin wallet providers and exchanges before using them
  • never trust an unsolicited email, phone call, or text message
  • use private browsers for extra security
  • make sure the site you’re using is secure with the locked symbol and https:// before the web address
  • don’t trust people offering you deals that sound too good to be true
  • avoid MLM ploys that want you to recruit others for higher rewards
  • keep the antivirus software on your devices up to date
  • check reviews online
  • check online to see if others have received the messages you’re receiving as well

Other Types of Cryptocurrency

Bitcoin isn’t the only form of cryptocurrency, though it is a very popular one. There are actually many forms of cryptocurrency available now.

Litecoin (LTC)

Litecoin was one of the first cryptocurrencies to launch after bitcoin. Litecoin was first launched in 2011 while Bitcoin was launched in 2008. Litecoin is similar to Bitcoin in that Litecoin is also an open, peer-to-peer digital currency system. Litecoin is also a decentralized form of digital currency, meaning that like Bitcoin, it isn’t backed by any government or agencies. But Litecoin is different in that it offers faster transactions and has a higher coin limit of 84 million rather than 21 million.

Litecoin currently has a USD value of $46 USD for each litecoin.

Ethereum (ETH)

Next, Ethereum was created in 2015. Ethereum, like Bitcoin, also has a blockchain. One of the principals of Ethereum is that it allows internet users to own their own data. Ethereum is also programmable. This means that developers can use Ethereum to build new apps.

Ethereum currently has a USD value of $242.05 for each ether.


Investopedia. “What is Bitcoin?” by Jake Frankenfield. “Bitcoin: A Peer-to-Peer Electronic Cash System,” by Satoshi Nakamoto. “How does Bitcoin work?”

Investopedia. “Digital Money,” by Mitchell Grant.

Investopedia. “Could Cryptocurrencies Replace Cash?” by Nathan Reiff.

Investopedia. “Bitcoin’s Price History,” by John Edwards.

Coin Desk. “Bitcoin Price.”

Bitcoin Chaser. “Why Do Bitcoin Prices Fluctuate So Much?”

Coin Market Cap. “Historical data for Bitcoin.”

Coin Market Cap. “How to Invest in Bitcoin,” by Kevin Voigt.

U.Today. “How Long Does it Take to Mine a Bitcoin?” by Alex Dovbnya. “What is Ethereum?”

How to Plan for Retirement


No matter where you are in life right now, the time to plan for retirement and start saving is today.

Explore this Retirement Guide:

We’ve already gone over how to save for retirement. Now it’s time to talk about how to plan for retirement.

Retirement Vocabulary

Before you can plan for retirement you have to know your retirement vocab. Below are some of the basic retirement items you’ll want to be familiar with before you can start planning your retirement.

Retirement Nest Egg

“Nest egg” is a financial term used for savings that are set aside for a long-term purpose, like retirement, buying a home, or college tuition.

A good retirement nest egg is a set of savings that is able to grow incrementally over a long period of time. You can help your retirement funds grow by investing or utilizing the interest benefits of different retirement plans and long-term savings accounts.

Social Security

Social security is a federal funding program that takes a portion of taxes and saves it in a government trust fund. This social security fund can then be used by eligible citizens who have retired, have a disability that keeps them from working, or for those who’ve lost a working loved one they depended on.


A 401k is a retirement plan sponsored by an employer. Often, 401k plans include tax benefits and many employers match the funds you put in your 401k retirement savings plan. 401ks are usually set up so that a portion of each paycheck goes into this fund.

Individual Retirement Account (IRA)

An IRA is a retirement plan that is opened by an individual. IRAs are different from 401ks because they allow you to include many kinds of investments, but you can put more into your 401k each year. There are also many different kinds of IRAs you can choose from.


A pension is another type of retirement plan. It can also be referred to as a Defined Benefit Plan. The nature of a pension retirement plan is that it promises a certain amount of regular income during your retirement years.

Retirement Questions You Need to Ask Yourself

Once you understand common retirement terms and the different retirement plans there are to choose from, it’s time to start asking some important retirement questions. If you have a partner, then sit down with them one evening to talk about these questions and make notes about both of your responses.

Asking yourself these questions is the first step to planning for retirement today. These retirement questions will also help you figure out your ideal retirement lifestyle goals to work toward.

Download a Free Printable Retirement Questionnaire Here.

  • What will you do in retirement?
  • When do you want to retire?
  • Where do you want to retire?
  • Will you and your spouse retire at the same time?
  • Will you still want to work at all in retirement?
  • Will your spouse still want to work at all in retirement?
  • Will you want to travel during retirement?
  • How much money do you want to live on each month during retirement?
  • How much will I need to save in total to achieve this goal?
  • How much do I want to save for medical expenses?
  • How will inflation change how much money I need saved?
  • Which retirement plan sounds right for me?

Steps to Planning Your Retirement

Planning for retirement might feel intimidating, but it doesn’t have to be. Retirement planning also isn’t something that you should put off for later. Planning for retirement is something that financially savvy individuals are working on right now.

Step 1: Have a Retirement Goal

After you answer the retirement questions above this step should be easy. You need to know what your retirement goals are. Having a retirement goal will give you something definite to work toward as you save, plan, and prepare for retirement today.

You need a goal for how much you want to have saved in total for your retirement years so you can determine how much you need to be saving each year now.

You need to have a goal for where and how you want to live so you can plan to pay off debts and mortgages before you retire.

Step 2: Save at Least 10%

You want to save at least 10% of your income for retirement. Every paycheck you get, put 10% of it aside into the retirement fund of your choosing.

Saving 10% of your income for retirement is also a great place to start if you’re still unsure about your answer to many of the key retirement questions. If you aren’t sure what your retirement plans are, then at least start saving 10% today.

If you do have a clear picture of where you want to be financially during retirement then you can increase or decrease this percentage as needed.

For example, if you make $5,000 a month, then you’ll want to save at least $500 a month in a retirement fund. If you save only 10% of your income every year, then after 20 years you’ll already have $120,000‬ saved up for retirement.

$5,000 x 0.10 = $500

$500 x 12 (months of the year) = $6,000 (saved for retirement each year)

$6,000 x 20 (years) = $120,000‬ (saved for retirement in just 20 years)

But even if you can’t afford to put away 10% of your monthly income into a retirement fund, 5% will still help you start building those retirement savings. Every little bit counts! You might also need to focus on other payments at the moment that could also be helping your future retirement plans, like making payments on your home so you can live in a paid-off home during retirement.

Step 3: Make Long-Term Investments

Another great way to save for retirement is to make smart, long-term investments. Investing works really well for retirement savings because good investing takes time. There are also endless ways you could start investing for the future.

Step 4: Plan for Insurance

Many insurance plans are linked to our jobs, but during retirement, you probably won’t have a job. Some employers do include types of health insurance plans for their employees who retire. You’ll want to talk to your employer about such plans so you understand the benefits available to you.

One insurance plan you can look into for retirement is a Long-Term Care (LTC) Insurance plan. By purchasing an LTC plan, this insurance plan will protect your retirement savings and help pay for your long-term care, like a retirement home, should you need it later down the road.

You can also start saving in a Health Savings Account (HSA) or a High-Deductible Health Plan (HDHP). A health savings plan will help you also save for future medical costs in retirement.

Step 5: Make Plans for Getting Debt Free

Debt is a very common and useful financial tool. Many people need to use debt and loans to finance for a car, their home, or a college degree. But debt isn’t something you want to still have by the time you retire.

Make plans today for how you can become debt-free by the time you’re ready to retire. Part of this plan is to focus on the unnecessary debts you currently have and paying them down quickly. This includes things like loans or credit card debt. Then make plans to avoid all unnecessary debt wherever possible.

Then you can focus on tackling more necessary types of debts like student loans, home mortgage, and car loans. Make sure your loan payment plans on these things don’t extend into your retirement years but are structured to end before you reach retirement age.

For example, if you buy a home when you’re 35 years old, and you have a 30-year mortgage plan, then you won’t be finished paying off your home until you are 65 years old. That also means, that you probably won’t be able to retire until you are at least 65 years old.

If you want to make sure you can retire at the age you want then considering a shorter year-term for your mortgage might be necessary.

How Much Money Do I Need to Retire?

Many financial experts advise that you start saving for retirement in your 20s. They also suggest people save 10% to 15% of their monthly income in a retirement fund.

But if you want to determine how much money you’ll need each year during retirement, just take 70% to 90% of your yearly income now. That’s how much most people need a year in retirement. This is because most retirees have finished paying off their mortgage and other loans and debt payments.

So if you make $50,000 a year right now, then most likely you’ll need $35,000‬ to $45,000 a year available in your retirement savings for each year of retirement.

$50,000 x 0.70 = $35,000‬ (a year for retirement)

$50,000 x 0.90 = $45,000 (a year for retirement)

How Much is Enough to Retire?

You can then take this yearly estimate and multiply it by roughly how many years you’ll need retirement funds to get the total amount you need to save for retirement. So if you want to save at least 30 years’ worth of retirement funds, then you’ll need around $1,050,000 to $1,350,000 saved up for retirement in total.

$35,000‬ (a year for retirement) x 30 (years of retirement) = $1,050,000 (saved up for retirement in total)

$45,000 (a year for retirement) x 30 (years of retirement) = $1,350,000 (saved up for retirement in total)

How to Retire Early

There are several ways to achieve an early retirement. One of the main things you’ll need to consider is living below your means and finishing payment plans for loans and mortgages early.

In order to retire early, you’ll most likely need to speed up your payment plans for different debts. That means choosing a 15-year mortgage instead of a 30-year mortgage and making higher payments on other loans so you can get debt-free faster.

Retiring early could also mean making higher deposits than average into your retirement and HAS funds. To retire early you should consider saving 15% or more each month in your retirement savings account.

How to Save for Retirement

When figuring out how to save for retirement, talking to your employer about their retirement plans and benefits is a good place to start. An employer-sponsored retirement plan is often the best choice to help grow your retirement savings quickly, and get the benefits you’ll need during your retirement years.

If your employer doesn’t offer a retirement plan, then your next best option is to visit your bank or credit union and open a long-term savings account or an IRA.

How Old Do You Have to Be to Retire?

If you are retiring on an employee retirement plan then there might be an age requirement for when you can retire. On average, the normal retirement age is between 62 and 70 years old.

How to Write a Retirement Letter

A retirement letter is how you notify your employer that you are planning on retiring soon. It is like a traditional 2-week notice you give before you leave a job, but in this case, you are notifying your employer that you are leaving to retire.

It can help to talk with your workplace’s HR representative about your retirement plans before you write your retirement letter. That way you’ll have all the details you need for your letter.

Address the Letter’s Recipient

Your retirement letter should be addressed to your boss. Normally you would write “Dear Mr. or Mrs.” and then insert the full name of your boss.

You’ll probably want to also include the current date somewhere at the top of the letter so that the recipient knows when the retirement letter was written and/or sent.

Paragraph 1: Your Intent to Retire

First things first, talk about your intent to retire and when. This paragraph includes any retirement plans that your boss might need to be aware of, like when your last day at work is.

Paragraph 2: Reflect on Your Time

In the next paragraph take a moment to reflect back on your time at this job. Talk about positives rather than any negatives, like the ways that you have been able to grow and evolve while working there.

Paragraph 3: Make Plans for Transitions

Since you are retiring, some transitions will have to be made. Someone will need to be promoted or hired to take your place, that person might need training or guidance, and there might be work or projects you are leaving behind that need passed on to another before you go.

In the final paragraph of your retirement letter, you should outline your plans for transitioning smoothly to retirement as someone else takes your job position.

Close the Letter

End your retirement with good wishes for your employer, coworkers, and place of work. You might even want to include a very brief paragraph reiterating your thanks and best wishes toward the company and those you’re leaving.

Then you can end the letter on a professional note with closing like Sincerely, Regards, or Best Wishes. Sign your letter, and make sure the letter includes your full name, job position, and personal contact information in case they need to get ahold of you in the future.
Retirement is an exciting new time in your life. After diligent saving and planning, it’s now time to do whatever you want! This might include visiting more with grandkids, taking up hobbies like gardening, or taking some time to travel to places you’ve never been to.

With some diligent retirement planning on your part, you can know how to plan for retirement and rest at ease knowing your retirement years are taken care of.

Sources “Infographic: Common Options to Save for Retirement.”

WikiHow. “How to Prepare a Retirement Plan.”

Investopedia. “Retirement Planning Guide: These five steps will help you toward a safe, secure, and fun retirement,” by Arthur Pinkasovitch

US Department of Labor. “Top 10 Ways to Prepare for Retirement.”

Dave Ramsey Blog. “How to Plan for Retirement,” by Chris Hogan.

Smart Asset. “A Guide to Health Insurance for Retirees,” by Javier Simon.

How Much Money Do I Need to Retire?


It’s never too early to start planning and saving for your retirement years.

Explore this Guide:

What are your Retirement Plans?

Before you can figure out how much money you need for retirement, you first need to know what your retirement plans are.

There are a lot of things to think about when planning for retirement. You might want to move into a smaller, single-story home that will be less of a hassle to manage in your retirement years. You might have plans to travel or to get into your favorite hobbies. You might also have different plans about when you want to retire.

All of these retirement details are going to impact how much money you need for retirement so it’s a good idea to start thinking about them now.

Sit down and think about where you want to be financially when you retire. You probably want to be debt-free by the time you retire. Also consider how much money you need each month and each year now, and how much of that same money you might still need during your retirement years.

For example, right now you might be living comfortably on $500 a week, but that’s not considering your plans to be debt-free in retirement. So your income needs might be a little lower than they are now once you retire.

What’s Social Security?

Social Security is a federal government program. A portion of taxes gets put into a government trust fund. These Social Security funds are then available to people who have retired, have a disability that keeps them from working, or for dependents who have lost the support of a recently deceased loved one.

Basically, social security is part of where our taxes go and is meant as a security fund for those who really need it. As you pay taxes, you increase the credits you have toward receiving social security benefits one day when you retire.

What’s a 401k?

401ks are an employer-sponsored retirement plan. 401k plans are called “401ks” because they refer to an Internal Revenue Code.

401ks aren’t just retirement plans you can get from your employer; they are also a way to save for retirement that benefits your taxes each year. 401ks are great for taxes because the money you put into your 401k each year doesn’t get counted as taxable income you received. This means you’ll end up paying less in taxes and can possibly get higher tax returns.

401k plans allow you to pay a portion of your income to your retirement plan. That way you can start saving for retirement without having to put money aside yourself each month. Employers will often also match what you put aside in your 401k, which will help you save for retirement faster.

What’s an IRA?

An IRA is an Individual Retirement Account. An IRA is similar to a 401k but instead of being sponsored by your employer, IRAs are opened by an individual.

IRAs are also tax-deductible, meaning the funds you put into your IRA don’t count toward your taxable income when you do taxes each year. But this will also depend on what kind of IRA you have because there are several different kinds.

How Much Money Do I Need to Retire at 65?

To figure out how much you need for retirement at age 65 (or whatever age you wish to retire) you’ll want to consider how much you want to live on each month, inflation, taxes, and health care factors that could arise later in life. All of these variables will factor into how much money you need to save for retirement at 65 years old.

How much money you need for retirement will also depend a lot on how much money you currently make. For instance, the typical full-time worker in America made about $49,764 a year in the first quarter of 2020.

As an example, someone who makes $50,000 a year will generally want to have 80% of that $50,000 a year income as their yearly retirement income. That means someone who makes $50,000 a year now, will need about $40,000 a year in retirement.

Current Monthly Income x 0.80 (80%) = Suggested Monthly Income for Retirement

$5,000 x 0.80 = $4,000

If you want to retire at age 65 and want around 30 years of retirement money saved up, then you’ll need to work toward saving a total of $120,000 in order to still have $40,000 a year in your retirement.

Suggested Monthly Income for Retirement x 30 years = How Much Money You Need to Retire at 60

$4,000 x 30 = $120,000

How Much Money Do I Need to Retire at 60?

The sooner you want to retire the more you’ll need to save for retirement. So the only difference in your retirement savings calculations here will be for how long you’ll need retirement income.

For example, if you want to retire at age 60 then you’ll likely want retirement savings that can last you around 35 years. Let’s consider you’re the same person who makes $50,000 a year now, then you’ll do the following calculations to find out how much you need to save to retire at 60.

Suggested Monthly Income for Retirement x 35 years = How Much Money You Need to Retire at 60

$4,000 x 35 = $140,000

How Much Money Do I Need to Retire at 55?

If you want to retire even earlier, say age 55, then you’ll want to account for even more retirement years.

If you want to retire at age 55 and want around 40 years of retirement money saved up, then you’ll need to work toward saving a total of $160,000 in order to still have $40,000 a year in your retirement.

Suggested Monthly Income for Retirement x 40 years = How Much Money You Need to Retire at 55

$4,000 x 40 = $160,000

How Much Money Do I Need to Retire at 50?

Retiring at age 50 is very early. On average, people tend to retire at age 65. But if you do want to retire at 50 years old, then it’ll be a good idea to save at least 45 years of retirement savings.

Suggested Monthly Income for Retirement x 45 years = How Much Money You Need to Retire at 50

$4,000 x 45 = $180,000‬

How Much Money Do I Need to Retire at 40?

The earliest that most people want to retire is usually age 40. Retiring at age 40 might seem like the ultimate dream, and if you plan accordingly and save a lot now, it might work! The hard part of retiring so early is that you’ll need around 50 years of retirement money put away.

Suggested Monthly Income for Retirement x 50 years = How Much Money You Need to Retire at 40

$4,000 x 50 = $200,000‬

Just remember, simple calculations like this don’t account for things like down-scaling your living situation, not having monthly debt and loan payments anymore, the potential costs of healthcare in your old age, changes in the market, or inflation. To know exactly how much money you need for retirement consult a finance professional or use a retirement savings calculator.

How Much Money Do You Need For A Retirement Home

You could also decide to take up residence in a retirement home someday. There are many different kinds of senior living arrangements you could consider using. Some retirement communities are more like a healthcare facility with rooms and faculty trained in geriatric care. Other places offer more independence like 55+ housing communities and neighborhoods.

Age-restricted housing communities can be a great option for retirement because they often have lower pricing or special benefits, amenities, activities, or HOA perks to enjoy. You can also find 55+ housing in apartments or single-family homes.

To get the most accurate pricing for how much you need for a retirement home you’ll want to research retirement housing in the area you want to retire in. Then adjust those prices with inflation using the US inflation calculator.

Otherwise, some research suggests that on average retirement homes can cost between $1,500 and $10,000 a month.

How Much Money Do You Need For Medical In Retirement

Depending on your health, the cost of healthcare in retirement can be expensive. Even if your employer has a retirement plan or if you qualify for Medicare, most likely you’ll still have to pay for part of your healthcare costs.

The Fidelity Retiree Health Care Cost Estimate says that if a retired couple wants to retire at 65 then they’ll want to save about $285,000 for potential medical costs.

A great way to save for medical in retirement is to enroll in a Health Savings Account (HSA) health plan with your employer. This is like a retirement plan specifically for medical needs in retirement.

How Much Money Do You Need Per Month For Retirement

To figure out how much you need a month in retirement is to consider how much you need each month now, and reduce that amount to just 80%.

For instance, say you need $5,000 a month in your life right now. You can expect to need about $4,000 a month in retirement.

Current Monthly Income x 0.80 (80%) = Suggested Monthly Income for Retirement

$5,000 x 0.80 = $4,000

When saving for retirement, remember that life can be unexpected. You might need emergency spending for medical expenses or other sudden expenses. Or you might need discretionary spending for vacations, traveling, gifts, or hobbies. Planning for retirement money in the future is also a big part of budgeting for today. When creating a household budget, don’t forget to put money away into your savings accounts and retirement funds.

Ultimately, the key to saving up for retirement is to start today and sit down frequently to think practically about your future, even if retirement seems far away right now.


Investopedia. “Understanding Your 401(k) Benefits: Tax Breaks, an Employer Match, and More 401(K) Benefits,” by Amy Bell.

Quicken. “4 Things to Do with Your 401(k) When You Change Jobs,” by Kathryn Bergeron.

Investopedia. “Individual Retirement Account (IRA),” by Julia Kagan.

The Balance Careers. “Average Salary Information for U.S. Workers,” by Alison Doyle.

Sapling. “The Average Cost of Retirement Homes,” by Lauren Wellbank.

Fidelity. “How to plan for rising health care costs.” “How Much Monthly Income Do You Need During Retirement?” by Bill Ness.

The Balance. “How Much Money Do I Need to Retire?” by Jeremy Vohwinkle.

Nerd Wallet. “Retirement Calculator.”

What is a Title Loan?

Title Loan Definition

Auto loans are a type of short-term loan that uses the title of your car as loan collateral.

Explore this Vocabulary Guide:

What is a Title Loan?

Car loans, title loans, auto loans are all loans that use the title of your vehicle as loan collateral. This means that if you cannot pay back the loan, your car can be used to pay back the loan as a last resort.

Loans that have some kind of collateral, like the title to your car, make the loan a secure loan. A secure loan can be easier to get approved and come with lower interest rates.

How Do Title Loans Work

So you’ve decided you want to take out a title loan. Now what do you do?

Title loans are very simple. All you have to do is find a title loan place near you, like Check City, and take in your vehicle. At the title loan place you will fill out an application and they will inspect your vehicle.

After a quick vehicle inspection, you’ll be offered a loan amount based on the value of your car. Once all of that is done and processed you can drive away with the cash you need sometimes in the very same day!

How to Get a Car Title Loan

Getting a title loan is one of the easier loans to get. This is because title loans are secure loans, which makes them less risky for the lender.

If you want to know how to get a title loan, first, find a title loan place, learn their requirements, and bring in your car. At the title loan place, they’ll assess your car’s value and you’ll fill out their application and provide documents like your car’s title and a photo ID.

You also have to completely own your vehicle before you can take out a title loan with it. The title of the vehicle also has to have your name on it in order for you to use it for a title loan.

How to get a title loan without a car:

Can you get a title loan without a car? The short answer is no.

What you can do is you can get a title loan without bringing in your vehicle for an inspection at the title loan place or you could get a personal loan.

Title loans that don’t require a car can sometimes be called a completely online title loans or no inspection title loans. But a borrower still has to own a car in order to receive a title loan.

How to get a title loan without a clear title:

A clear title is a vehicle title that doesn’t have any existing liens or debts on it.

One way you can get a title loan without a clear title is if you already have a title loan. So instead of using the title of your car to take out a loan, you end up refinancing an existing title loan.

Many lenders don’t like to let borrowers take out multiple loans on one car. The more liens you have on a vehicle the riskier your loans become. That’s why lenders generally want the title of your vehicle to be clear of other liens before you can take out a title loan on that car.

You might also be missing your car title. You can get a new one with the DMV.

How to get a title loan without a job:

Many lenders require proof of income for anyone applying for a loan. This is because loans need some kind of security before they can be given out.

But if you don’t have proof of income or proof of employment you can lean on other things like a high credit score or a cosigner. Otherwise, you’ll want to get a secure source of income in your life again before seeking out a title loan so your car doesn’t end up getting repossessed.

How to get out of a title loan:

Defaulting on a title loan might be necessary if you no longer have the ability to repay the loan. If you need to get out of a title loan, the best thing to do is pay off the loan. If this isn’t an option then you can try to sell the car in order to repay the loan.

You might also be able to find another way to repay the loan by selling something else. You could also swap out the car or sell the car in order to get the funds to repay the loan.

Refinancing the loan is another option. Many lenders offer refinancing options for if you need to borrow more or want to make your payments smaller. Making your payments smaller might be what you need to keep from defaulting on your title loan.

What Do I Need for a Title Loan?

There are a few things you’ll need with you when applying for an auto loan. You’ll need to bring the car you want to use as collateral so they can inspect its value, your identification, and the papers for your car. Here are a few things you might need to bring with you when applying for your auto loan:

  • your vehicle and title
  • proof of registration
  • a picture ID of yourself
  • proof of income
  • a credit check
  • vehicle keys
Are title loans Just for cars?

The answer to this question is going to depend a lot on where you go to get a title loan. Some title loan places have tight restrictions on what type of vehicles they accept for their title loans. Other title loan places let you take out title loans on other vehicle types like motorcycles and boats.

If you own any of the following vehicles, there’s a possibility you could use its title to get a title loan:

  • boat title loans
  • RV title loans
  • motorcycle title loans
  • trailer title loans
  • camper title loans
  • dirt bike title loans
  • jet ski title loans

Boat Title Loans

Can I get a loan using my boat title? Yes, you can! The key to any title loan is that you own the vehicle outright, have the title to the vehicle in your name, and don’t have any other current liens on the title. If those three things check out, then you can use the title to your boat for a title loan!

Motorcycle Title Loans

Can I get a title loan on my motorcycle? Yes! If you own your vehicle completely, meaning the motorbike is completely paid for and owned by you, then you can also use your motorcycle to get a title loan. Cash loans for motorcycle titles are relatively easy to get too if your motorcycle title loan is a small loan.

Trailer Title Loans

Can you get a title loan on a trailer? Believe it or not, yes! You can get a title loan on a trailer. Trailers might not move on their own but they still come with a title. This means you can get a title loan on your trailer if you want.

Camper Title Loans

To find camper title loans near me all you need to do is find title loans near me. Then, give the title loan place a call and ask if they offer title loans for campers. If they say yes, then you’re good to go!

How to Find Title Loans Near Me

Since title loans often involve bringing in your vehicle for inspections, you probably want to find title loan places nearby. You can use our How-to-Find Guide to learn all the ways you can find title loans near you. This article will also go over search engine tips to help you get the best results online.

The best way to find title loans near you is to search on google maps and explore what pops up in your local area. The next best tactic for finding title loans near me is to ask your neighbors! Get local recommendations by getting on social media and asking your friends and family where they’ve gone for title loans before.

How to Get a Title Loan Online

For the most part, title loans can’t be done completely online because they require a car inspection. The car inspection is part of what determines how much you can get in a loan. The amount you can borrow is usually a percentage of how much your car is currently worth.

But some places, like the Check City Title Loan, will let you start the title loan application online.

Auto Loan Calculator

How do you calculate an auto loan? How much can you get for your car? How much will your monthly loan payments be? All of these questions will have specific answers depending on where you go to get your car loan.

The best you can do without talking to a loan representative is make an estimate based on the value of your car. You can figure out the current value of your car by going onto sites like Kelly Blue Book, or the NADA guide. On Kelly Bluebook you can search “My Car’s Value” to see how much your car is worth right now.

Some places can offer 100% of the value of your vehicle while other places can only offer a certain percentage of your vehicle’s total value. Ask your lender beforehand how much they can typically offer for a vehicle to get an estimate of how much you can receive for your car loan.

Auto Loan Calculator Example:

For example, say I have a vehicle that I look up on Kelly Blue Book to find it’s worth $2,000. I can then call my local title loan place and ask them what percentage of my car’s value I can get in a title loan. If my title loan place can offer me 50% of my car’s current value, then I can get a title loan of $1,000.

Total Title Loan Amount = Current Vehicle Value x Percentage in Decimal Form


$1,000 = $2,000 x 0.50

Just remember that when paying back any loan, you will most likely have to pay back a certain percentage in APRs and interest rates. You might borrow $1,000 for your title loan, but end up paying more than that back to the lender in interest rates.

Interest rates are like the collateral on your car. They add an extra layer of financial protection for the lender letting you borrow money.

Car Loans For Bad Credit

Car loans are a great loan option for anyone with bad credit. This is because car loans depend more on the value of your car then the value of your credit score. Some title loans might still do a credit check. But title loans weigh their lending risk against your car title more than your credit score.

When you have bad credit, it can be really hard to get approved for the loans you need. Small loans can also help you build up your credit score. Title loans are a great option for anyone with bad credit because you are more likely to get approved and a small title loan that you repay on time each month can help build your credit score back up.

The Benefits of Title Loans

The primary benefit of a title loan is that if you don’t have a more traditional way to secure a loan, like a high credit score, then you can use the value of your car to secure a loan. Title loans are also usually fast and easy to get approved because the security on the loan is so straight forward.

So if you need fast, straightforward loan then a title loan might be the perfect answer for you.


Investopedia.”Personal Loans vs. Car Loans: What’s the Difference?” by Christina Majaski.

The Balance.”How to Get Out of a Title Loan: 6 Ways to Legally Break Free of Monthly Debt Against Your” by Justin Pritchard.


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