Third-party checks—also called double-endorsed checks—are checks that have been signed over from the original payee to someone else. Because they carry higher fraud risk, many banks and retailers no longer accept them. Still, you can cash a third-party check if you know where to go and what ID or signatures are required. This guide covers the most reliable places to cash them, the fees to expect, and the safest alternatives.
What Is a Third-Party Check?
A third-party check is any check that the original payee signs over to another person. For example, if a check is written to John and he endorses it to you, it becomes a third-party check. Because the payee has changed, banks and stores need extra verification before approving it.
- Original payee endorsement: Must sign the back of the check and write “Pay to the order of [Your Name].”
- Your endorsement: You also sign directly underneath their signature.
- ID required: Matching names and signatures must be verifiable.
Where to Cash a Third-Party Check
Because major banks and retailers tightened fraud rules, your best chances are places that still specialize in check verification services. Here are the most reliable options:
1. Your Own Bank or Credit Union
Your personal bank is often the safest place to cash a third-party check. Many banks will help you if:
- You have an active checking or savings account
- Both endorsements match the payee’s ID and your ID
- The bank can verify funds
Some banks may place a hold on part of the funds, even if they accept it.
2. Check-Cashing Stores (ACE, Check ‘n Go, etc.)
Check-cashing stores are the most likely to accept third-party checks since they perform advanced verification. They accept:
- Payroll and personal third-party checks
- Government third-party checks
- Insurance and settlement checks
These stores charge higher fees—usually 2%–5% or a flat amount—depending on check type and risk.
3. Small Local Banks or Community Credit Unions
Smaller institutions are often more flexible than big national banks. If you live in the community or have existing accounts, they may approve third-party checks with proper signatures and ID.
4. Mobile Check Deposit (Ingo, PayPal, Cash App)
Some mobile check-cashing apps do accept third-party checks after additional review. Popular apps include:
- Ingo Money (highest approval rate)
- PayPal Check Cashing
- Cash App Mobile Deposit
Instant deposit fees usually range from $5–$15 depending on the check amount and risk level.
Where You Usually Can’t Cash a Third-Party Check
Most major retailers and banks do not accept double-endorsed checks due to fraud concerns. These include:
- Walmart
- Kroger & Publix
- 7-Eleven & convenience store chains
- Chase
- Bank of America
- Wells Fargo
- PNC, Truist, Regions
These institutions will usually instruct you to deposit the check in your own account or use the original payee’s bank instead.
How to Endorse a Third-Party Check Correctly
Incorrect endorsements are the #1 reason third-party checks get rejected. Use this exact format:
- Step 1: Original payee signs the back.
- Step 2: Under their signature, they write:
“Pay to the order of [Your Full Name]” - Step 3: You sign your name directly under their note.
- Step 4: Bring ID for both parties if required.
Fees When Cashing a Third-Party Check
- Your own bank: Usually free, but holds are common
- Check-cashing stores: 2%–5% or flat fees
- Mobile apps: $5–$15 instant deposit
- Community banks: Small fee or free
Because third-party checks are riskier, fees are usually higher than standard check cashing.
FAQ
Can Walmart cash a third-party check?
No. Walmart does not accept third-party or double-endorsed checks.
Can banks refuse a third-party check?
Yes. Most major banks do not accept third-party checks unless you are an existing customer in good standing.
What is the best place to cash a third-party check?
Your own bank or a reputable check-cashing store offers the best likelihood of approval.
Do mobile apps accept third-party checks?
Some apps, like Ingo Money, PayPal, and Cash App, accept third-party checks after review.
Conclusion
Third-party checks are harder to cash, but not impossible. Your own bank, check-cashing stores, and mobile deposit apps offer the best success rate. Avoid major banks and big retailers, as they rarely accept double-endorsed checks. For more options, see our guide on where to cash a check without a bank account.