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Mar 11, 2022 · You can cash a personal check at your bank, the issuing bank, a check cashing service and select payment apps, like PayPal. How long do I have to cash a check? By law, banks are...
- Your Bank. Maximum check amount: None. Cost: Free. If you have a checking account, cashing a check should be quick and easy. All you have to do is take the check to the bank teller and ask to deposit it or, if you have a mobile app, make the deposit with your phone.
- The Issuing Bank. Maximum check amount: Varies. Cost: A flat fee or percentage of check amount. Most of the time, you can go to the issuing bank to cash your check, even if you don’t have an account there.
- Walmart. Maximum check amount: $200 for two-part checks (such tax refund checks made out to two people); $5,000 (or $7,500 January through April) for all other checks.
- Regions Bank. Maximum check amount: Almost any amount. Cost: Up to 4% of the check amount. You can use Regions Bank’s check cashing service to get your money immediately, but you have to enroll as a Regions Now customer first.
- The Bank listed on the check. If you’re trying to cash a check without a bank account, the easiest place to start is with the bank on the check you’re trying to cash.
- Walmart. Walmart is one of the most global and accessible check cashing places on this list. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart.
- Ace Check Cashing. A number of businesses operate solely for this purpose. If you don’t have access to a local bank, then a check cashing place may be your only option.
- Gas station. Gas stations used to be a much better option for cashing checks, but many places have stopped offering this service because of the high risk of fraud.
Apr 3, 2023 · How Long do You Have To Cash a Check? Most checks are good to cash within 180 days of issuance, unless otherwise stated. Some cashier’s checks state “Void after 90 days.”
- A voided check with the word “VOID” written across it cannot be filled in or cashed. The check can also be considered voided and unable to be cashe...
- Checks won’t expire, but they’re considered outdated after a certain amount of time. Unless otherwise stated, checks are usually good for 180 days.
- Unless you’re cashing it online or through an ATM, you will need a valid ID to cash a check at a bank, credit union or check-cashing store.
Mar 26, 2024 · Generally speaking, you’ll only have six months after a check is written to cash it. After six months, the check is considered stale, and a bank or credit union can choose not to honor it....
May 13, 2021 · You’ll generally pay around $7 - $8 to cash the check from an issuing bank in the US. However, some charge a percentage that can cut deep into the amount on the check, so review the bank’s fee policy for non-customers before cashing. The bank logo and address information should be located just below the check amount line.
Feb 21, 2024 · A checking account allows you to deposit the check, providing easy access to your funds without incurring high fees. Also, there is a limit on how long you can wait to cash a check. In the U.S., banks are only required to honor checks for six months.³. Here are some of the most common places to cash a check.
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