Cashier’s checks are one of the most secure forms of payment, but cashing one without a bank account can be confusing. The good news: you have multiple safe, reliable options. This guide explains exactly where to cash a cashier’s check, what fees to expect, what ID you need, and how to avoid scams or unnecessary costs.
Can You Cash a Cashier’s Check Without a Bank Account?
Yes. You do not need a bank account to cash a cashier’s check. Many major retailers, banks, and money service providers will cash them for a small fee—as long as you bring valid ID and the check is legitimate.
Best Places to Cash a Cashier’s Check
1. The Bank That Issued the Cashier’s Check (Best Option)
This is the fastest and most reliable place to cash a cashier’s check. Even if you’re not a customer, most banks will cash a cashier’s check that they issued. You may pay a small fee if you don’t have an account.
- ID required: Yes
- Fee: Usually $0–$10
- Speed: Immediate
2. Major Banks (If the Check Is Drawn From Their Customer)
Banks like Wells Fargo, Bank of America, and Chase often cash cashier’s checks drawn on their accounts. Policies vary, and non-customers may pay a small fee.
- Bring ID and be ready to endorse the check.
- Expect a fee if you are not a customer.
3. Retailers Like Walmart
Walmart cashes cashier’s checks at its Money Services centers. This is one of the most popular options for people without a bank account.
- Limit: Usually up to $5,000 (varies by location)
- Fee: Around $4–$8
- Speed: Immediate
Other large retailers may also cash cashier’s checks depending on location.
4. Check-Cashing Stores
Money service providers like ACE Cash Express, Check Into Cash, and local check-cashing shops regularly accept cashier’s checks.
- Fees: Usually higher (1–5% of the check)
- ID: Required
- Speed: Instant
5. Prepaid Debit Card Reload Locations
Some prepaid cards (like NetSpend or Green Dot) allow you to load cashier’s checks at participating stores. Funds are available immediately on the card.
- Fee: Usually $3–$6
- Convenience: Good for people without bank accounts
What You Need to Cash a Cashier’s Check
- Valid photo ID (driver’s license, passport, or state ID)
- Endorsement signature matching your ID
- The original cashier’s check
Some locations may also verify fingerprints or ask for additional documentation if the check is large.
Fees for Cashing Cashier’s Checks
Fees vary widely by location:
- Issuing bank: Free–$10
- Walmart: $4–$8
- Check-cashing stores: 1–5% of the check amount
- Prepaid reload locations: $3–$6
How to Verify a Cashier’s Check Before Cashing It
Fraudulent cashier’s checks exist, so verify the check before cashing if you’re unsure. You can:
- Call the issuing bank directly (using the phone number from the bank’s website)
- Examine watermarks and security features
- Check for signs of tampering or alterations
Best Alternatives if You Don’t Want Cash
- Prepaid debit cards (load funds instead of cashing)
- Mobile deposit apps (if supported)
- Split funds into smaller payments if carrying cash is risky
People Also Ask
Where is the cheapest place to cash a cashier’s check? The issuing bank is usually the cheapest, often cashing their own cashier’s checks for free.
Can Walmart cash a cashier’s check? Yes. Walmart cashes most cashier’s checks up to location limits.
Can you mobile-deposit a cashier’s check? Some apps allow it, but acceptance varies. Always check your app’s deposit rules.
Do cashier’s checks clear instantly? Cashing is instant. Deposits may be held at banks for verification.
Do cashier’s checks expire? Most do not expire, but banks may question very old checks.
Conclusion
You can cash a cashier’s check at banks, retailers, prepaid card centers, and check-cashing stores—even without a bank account. The issuing bank is usually the cheapest option, while retailers like Walmart offer fast and convenient service. Choose the location that balances speed, cost, and safety for your situation.