Check City is prepared to manage all your check cashing needs. From personal checks to government checks we’ve got you covered. 

Here are a few commonly asked questions you might have about cashing your checks with Check City.

What is personal check cashing?

Personal Check Cashing is converting a check into cash you can spend.  

Not every payment you receive can be deposited directly to your bank account and not everyone has a bank account. 

For this reason, personal check cashing is an important service to provide in our local communities, so that you can always get your money no matter the form it comes in.

Where can I cash a check?

Wondering where to cash a check? Customers can cash their checks at any Check City store location

How do I cash a check?

Check City makes cashing your checks easy. Customers can get their checks in cash at a Check City store. 

To learn more read, "How to Cash a Check."

How do I write a check?

Checks can be an easy and secure way to make payments and they are simple to fill out. They have 6 sections to outline the date, the check recipient, the dollar amount, the check's purpose, and the check writer's signature. 

To learn more read, "How to Write a Check."

How do I endorse a check?

The check endorser is the person receiving the check funds. Wait until you are at the teller counter before endorsing a check. 

Once you are at the teller counter and ready to cash your check, endorse the check by signing the designated endorsement section on the back of the check. 

To learn more read, "How to Endorse a Check."

How do I endorse a business check?

If you are endorsing a check that has been written out to a business rather than an individual, you'll need to include the following in the endorsement section on the back of the check: 

  • The company name
  • Your signature 
  • Your job position title with the company 

To cash a business check you'll also need to complete a Business Check Cashing Services application and provide proof that you can cash checks on behalf of the business.

How do I void a check?

You might need to void a check to set up direct deposit or start over on a new check. To avoid any problems, you'll want to make sure you void the check properly. Generally, all you have to do to void a check is write the word "VOID" in big letters across the front of the check. 

To learn more read, "How to Void a Check." 

What do I need to bring to cash a check?

  • The check you want to cash
  • Government ID 
  • Payment for fees

What forms of ID are accepted?

In general, any government-issued form of identification is acceptable. For example, a driver’s license, passport, visa, or military ID.

What are the fees?

Fees are based on the type of check you want to cash. Please contact a Check City Location in your area or visit our Rates and Fees Page for more information. 

Do I have to wait for the check to clear to get all of my cash?

No, you don't have to wait for the check to clear to get all of your cash. Once we have verified the check, we give you the check funds in cash. 

Is there a limit to the check amount I can cash?

No, there is no limit at Check City for the amount you can cash. As long as we can verify the check, then we can cash it.

Can I cash business checks?

Check City’s Business Check Services provide business owners with immediate access to working capital by fast-tracking the process of cashing checks.

When a check is written out to a business rather than an individual, the customer will need to verify they are the owner of the business. The customer will also need to sign the company name, their name, and their position title on the back of the check to endorse it.

Cashing business checks at Check City also comes with a number of perks: 

  • NO enrollment fees
  • NO 3 to 10-day check processing holds
  • Funds available instantly
  • Freedom to accept checks from your customers
  • Convenient and professional locations

What kind of checks can I cash?

  • Payroll Checks
  • Cashier Checks
  • Commercial Checks
  • Government Checks
  • Insurance Checks
  • Money Orders
  • Tax Refund Checks
  • Personal Checks
  • Out-of-State Checks

What are payroll checks?

Payroll checks are also known as paychecks. They are the checks you receive from your place of employment on payday. 

Not everyone uses direct deposit for their paychecks and that’s ok! Instead, you can just cash your paychecks directly at a Check City Store. 

What are cashier's checks?

Cashier checks are checks that are guaranteed by the bank. Normally when you pay someone with a check, the amount you write on the check isn’t taken out of your bank account until the person receiving the check decides to deposit the check. 

But with a cashier's 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. Basically, you pay the amount you want on the check to the bank, and then the bank prints out the check for you to give. 

This way, when you give the check to whoever you intend, you are giving them a check from the bank, not from your own account. When they deposit the check, it will be paid by the bank, not from your account. 

What are commercial checks?

Commercial checks are business checks that have been written to your business. 

What are government checks?

Government checks include any kind of check given to you by the government. These can include checks for financial aid, social security checks, unemployment benefits, food stamps, and any other checks given to you by the government or government programs.

What are insurance checks?

Insurance checks given to you by your insurance company. Insurance companies give insurance checks after they agree to settle a sum of money after an insurance claim or incident.

What are money orders?

You may receive a money order when someone uses Western Union to send you money. Rather than sending money or checks through the mail, you can use Western Union to send money to someone in a safe and secure way. These kinds of money orders can be cashed out at our Check City stores.

What are tax refund checks?

After filing taxes each year some people qualify to receive a tax refund, tax rebate, or tax return for paying more in taxes over the past year than they needed to. You can get your tax refund in the form of a check in the mail and you can cash this check at Check City. 

Check City also offers Tax Refund Advance Loans for customers who don't want to wait for the tax return funds.

What are personal checks?

Personal checks are checks from someone’s personal checkbook. Personal checks are a very common type of check. Usually, someone will get a checkbook full of personal checks from their bank or credit union.

What are out-of-state checks?

If your bank doesn’t exist in the state that you are in, then your personal checks from that bank may be considered out-of-state checks and may be difficult to cash in another state.