A cashier’s check is one of the bank checks which is guaranteed to be cashed immediately. This is especially when you need the cash as soon as possible. The best thing about it is you do not need a bank account to cash it.
Oh yes.
You can cash a cashier’s check without a bank account. There are some legitimate places, which can help you cash it without one. With that said, here are where to cash a cashier’s cash.
Which Stores To Cash A Cashier’s Check?
Here are some of the cheapest stores to cash a cashier’s check without a bank account.
1. Walmart Stores Near You
Will Walmart cash a cashier’s check?
Absolutely. Walmart has an in-store check cashing service. Actually, it is called the Money Service Center.
In addition to this service, Walmart charges a small fee for cashing a cashier’s check. According to Walmart in-store check cashing policy, there is a max limit of $4 fee for check cash-out of up to a $1000. And, a max limit of $8 charge for anyone cashing more than $8000.
Pretty cheap, isn’t it?
Well, you do not need to register with Walmart to cash your check. Walmart will verify your cashier’s check through your government approved ID. In other words, cashing a cashier’s check at Walmart requires a government approved ID and Walmart fee. After that, you can cash out immediately.
You can read my article, How To Cash A Check At Walmart Without Stress, for more information about cashing a check at Walmart.
Finally, I recommend you calling the Walmart store near you to confirm whether they have an in-store check cashing service. This is because Walmart in-store cash cashing is only available in certain states of the United States of America; particularly, 41 out of the 50 States.
2. HEB Stores Near You
HEB Business center inside HEB grocery stores can help you cash a cashier’s cash. They charge as low as a $3 fee for check cashing. So far as you present a government approved ID and pay HEB check cashing fee, you get to cash your check immediately.
3. Check Cashing Stores
There are some stores which specialize on cashing cashier’s check. Usually, these stores are not nationwide. But, they are in some states in the United States.
So, I will recommend googling check cashing stores near you.
Some notable examples of such stores include Ace Cash Express Store, Pay-o-matic, Money Tree and Money Mart. If you ever find one, take your government-issued ID with you. Also, I recommend you calling them first to inquire about their fees.
What you must know about check cashing store though, my good reader.
Well, these stores were created for people trying to cash checks without a bank account. Therefore, these stores are out to make profit. As a way of making check cashing convenient for you, they always charge high fees to cash your cashier’s check for you. I recommend using these stores as a last option.
4. 7-Eleven Gas Station
Yes- some gas stations still accept cashier’s check. A good gas station who has innovated a way of cashing your cashier’s check is 7-Eleven Gas station. Although you will not be able to cash your money from the checkout desk, the fund on your check can be loaded into a 7-Eleven debit card.
How does this help you, dear reader?
It saves you carrying a bulk of money around with you. Furthermore, you can withdraw any amount you want from an ATM within 7-Eleven store or any Trans@ct affiliated ATM. This is free of charge. Otherwise, you will be charged about $2.50 from other ATMs.
Other Nationwide Legit Places For Cashing A Cashier’s Check
These are nationwide legit places for cashing a cashier’s check. Regardless of whether you are in the country side or city, you can always find these places to cash a cashier’s check.
1. Automated Teller Machines (ATMs)
You can cash a cashier’s check at most Automated Teller Machines. By most ATMs here, I refer to ATMs which allow deposit. I recommend using the ATM of the bank which issued the cashier’s check though. That way, the check deposit and cash out go very quickly.
How do you deposit a cashier’s check into an ATM then?
Firstly, endorse your check by signing its back. Then, insert your debt card and enter its pin code. Once the ATM options are displayed, choose deposit check. Follow the direction on where to put in your check. Put your cashier’s check into the ATM.
And voila, it is deposited!
Since a cashier’s check is reliable, you can cash out as well. This is why I recommend using the issuing bank’s ATM , since its machines can recognize its cashier’s check and let your bank it issued the check. Therefore, making it easy for you to cash out quickly.
2. Your Local Bank
The easiest way to cash a cashier’s check is to walk into your local bank and cash it. This is because your bank can quickly verify the check and pay you, since you have an account with them. Meaning- you are a customer who will not pay a fee to make a cashier’s check fund available to you immediately.
Do banks cash cashier’s checks that they don’t write?
Yes, banks can cash cashier’s checks that they do not issue. It is a perk of receiving payments in cashier’s check, rather than a personal check. With a personal check, banks have to make you wait two to five business days to confirm the payer has sufficient fund to pay you.
However, a cashier’s check is issued from a bank’s fund. What this means, is no matter where you go to cash the check, the issuing bank already guarantees it will go through. As a result, banks honor cashier’s checks from other banks due to this guaranty.
Besides your local bank, you can go to other banks to cash the check. The only thing needed from you is a government-issued ID and a fee. Your bank will not charge you a fee to cash a check, but other banks may. I recommend you calling to inquire about the check cashing fees for non-customers, before heading out to other banks.
3. United States Postal Service
USPS does not cash a cashier’s check per se. However, you can still take your cashier’s check there to be cashed. Let me tell explain how.
You can buy USPS money order with your cashier’s check. When getting the money order, get the amount of written on your cashier’s check and pay with the check. Then, you can cash the USPS money order at any USPS location.
Complicated, is it?
No. It is not as complicated as you think. USPS domestic money order has a limit of $1000. You can use your cashier’s check to pay for them. For example:
If your check fund is $1230, you can get two USPS money orders. One for $1000. And, another for $230. Want to know the best part of getting these money orders?
Well, USPS will not charge you for cashing their domestic money order. It is free to cash them. You are expected to pay a fee for buying the money orders though. It is a $1.45 fee for $0.01 to $500 amount. And, a $1.95 fee for $500.01 to $1000 amount.
Personally, I think it is the lowest out of all check cashing places. So, I recommend you patronize our United States Postal Service every now and then. It is doing its best to make life easy for us, my fellow adults.
How Long Does It Take For A Cashier’s Check To Clear?
ASAP- as soon as possible. A cashier’s check clears immediately for cash out. Let me tell you why, good reader.
Since a cashier’s check is funded by a bank’s own fund, it is guaranteed to go through. Usually, you do not have to wait for some business days before it is verified. This is why I prefer cashier’s check to other forms of bank’s checks. Hell, I recommend you receiving payment in this form, since there is a low risk of check fraud.
To learn more about cashier’s check, read my article: Cashier’s Check: What You Need To Know About It. Not only will you learn how to identify a fake cashier’s check, but also know how to cancel a stolen one. This is in case you ever lose one.
To conclude this article, I would like to reiterate the best places to cash a cashier’s check. You can either cash it from the post office, bank or ATM. When it is inconvenient to do so, try gas stations or check cashing stores. Just be careful not to pay a high fee to cash a check.
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