Where Can I Cash a Check?

Checked November 8, 2026

How we check fees

In brief

Every fee comes from the company’s own fee page, fee schedule or account agreement, and every legal limit from the statute or the regulator. If a company doesn’t publish a fee, we say “not published”; we never estimate one. Each fact links to its source and shows the date we checked it.

01

What we cover

23 places that cash or deposit checks, 75 published fee rules, 3 state fee caps, and 8 federal or legal reference facts, from 64 distinct sources:

  • Stores: H-E-B, Kroger, Meijer, Publix, Walmart
  • Check-cashing stores: ACE Cash Express, Amscot, Check Into Cash, Moneytree, Pay-O-Matic, Speedy Cash
  • Banks: Bank of America, Chase, U.S. Bank, Wells Fargo
  • Apps: Cash App, Chime, Ingo Money, PayPal, Venmo, Walmart MoneyCard
  • Post Office and money order companies: U.S. Postal Service, Western Union

We chose places people search for by name (Keyword Planner, US) and the largest national chains, banks and apps. We add more as we verify them.

02

Where the facts come from

  • Stores, check cashers and apps: their own check-cashing pages, help centres, fee pages and published rate sheets (Amscot publishes a PDF), and the account or cardholder agreements that bind them (Chime’s Deposit Account Agreement, Rev. 09/2026).
  • Banks: their consumer fee schedules and deposit account agreements, current versions, with the effective date given on the page.
  • State limits: the statute on the legislature’s site, or the regulator’s own page (New York’s Department of Financial Services sets its maximum).
  • Federal rules: the eCFR (Regulation CC), the Federal Register (Executive Order 14247), and the U.S. Code and Uniform Commercial Code as published by Cornell’s Legal Information Institute.

Not used: blogs, review sites, directories, forum posts, news summaries of fees, or AI-written summaries. Company pages that blocked automated reading were read in a normal browser.

03

How the calculator works

  1. Each published fee is stored as the company states it: a flat amount, a percentage of the check, or both, with any minimum or maximum, the check amounts it covers, the check types it covers, the states it applies in, and the speed (for apps: money in minutes or the slower option).
  2. For your amount and check type we apply every matching rule. A rule written for your check type beats a catch-all rule (Ingo’s 2% for payroll beats its 5% for other checks).
  3. “Up to” means the company publishes a maximum, not an exact price (Walmart’s fees are maximums “subject to applicable law”).
  4. Results are sorted by fee, cheapest first, in two groups: money today, and free or cheaper if you can wait. Nobody pays to be placed higher.
  5. A place that says it takes your check type but publishes no fee is listed separately, as “fee not published”. A place that says it won’t take the type is listed as such.
  6. Choosing a state hides places that don’t operate there and shows the state’s legal maximum where we have verified one. State caps apply to licensed check cashers, not to banks or apps.
04

What we couldn't verify

  • Fees not published online: H-E-B, Kroger, Publix, ACE Cash Express, Check Into Cash, Moneytree, Speedy Cash, Chase, U.S. Bank, Wells Fargo, Chime, PayPal, Western Union.
  • State caps: we show California, Florida and New York with figures, and Illinois without (its maximum rates are set by regulator rule, which we haven’t verified). Other states are not shown yet.
  • Store hours are as the company publishes them; most say they vary by location.
05

Corrections

If a fee or rule here is wrong or out of date, email hello@wherecanicashacheck.com with a link to the company’s own page that shows the right figure. We correct from public sources only, and update the check date when we do.

06

Sources for this page

  1. California: Cal. Civ. Code § 1789.35 — State limit on check-cashing fees.
  2. Florida: Fla. Stat. § 560.309(8) — State limit on check-cashing fees.
  3. New York: N.Y. Banking Law Article 9-A — State limit on check-cashing fees.
  4. Illinois: 205 ILCS 405/19.3 — State limit on check-cashing fees.
  5. 12 CFR 229.10(c)(1)(vii) — When you deposit a check into a bank account, the bank must make the first $275 available by the next business day (or the whole deposit, if smaller).
  6. 12 CFR 229.10(c)(1) — Treasury checks deposited by the payee get next-business-day availability; so do USPS money orders, cashier's, certified and teller's checks and state or local government checks when deposited in person to a bank employee.
  7. Executive Order 14247, Sec. 3(a) (90 FR 14001, March 28, 2025) — From September 30, 2025 the Treasury was directed to stop issuing paper checks for federal payments, including benefits and tax refunds, with limited exceptions such as people without access to banking services.
  8. Executive Order 14247, Sec. 4(a) — The order lists exceptions for people who do not have access to banking services, certain emergency payments and other cases the Treasury decides.
  9. 31 U.S.C. § 3328(a)(1)(A) — A Treasury check must be negotiated within 12 months of its issue date.
  10. UCC § 4-404 — A bank does not have to pay an ordinary check presented more than six months after its date (it may still choose to).
  11. UCC § 3-110(d) — A check made out to 'A or B' can be cashed by either payee; a check made out to 'A and B' needs both.
  12. USPS, Money Orders — A USPS money order can be cashed free at any Post Office, for the exact amount, with a primary photo ID; it never expires.

Every fee on this site comes from the company’s own page, fee schedule or agreement, or from a statute or regulator. How we check them and how to report a change: methodology.

Cite this page

Where Can I Cash a Check. “How We Check Check-Cashing Fees.” Updated November 8, 2026. https://wherecanicashacheck.com/methodology/