11 Ways How to Cash Checks Quickly and Easily

Cashing a check can be a daunting task. With so many options available, how do you know which one is best for your needs?

From using a bank account or prepaid card to cashing at a retailer or check-cashing store, making an informed decision about how to cash your checks can be challenging. You want the most convenient and cost-effective option, but how do you find it? Sure, there are places to cash a personal check near you, but is that the best method for your situation?

This article will explore the different methods for cashing checks and provide the pros and cons of each one so that you can make an informed decision about how to cash your checks. We’ll cover everything from using a bank account or prepaid card to cashing at retailers or check-cashing stores. So, without further ado, let’s dive into how to cash checks.

best ways how to cash checks quick

Best Ways How to Cash Checks Quickly and Easily

Cash checks quickly and easily? It sounds too good to be true, but with the proper knowledge, it is entirely possible. The methods below are some of the best ways to cash a check easily.

1. Cash Your Check at the Issuing Bank

Cashing your check at the issuing bank is one of the most straightforward ways to access the funds from your check. All you need to do is take your check and some form of identification, such as a driver’s license or passport, to a branch of the bank that issued the check. You don’t need to have a checking account at the bank, either. They will verify your identity and then cash the check for you. This method is usually free or very low cost and can be done quickly since you won’t have to wait in line at a teller window.

Going to a bank is also a good option for cashing starter checks if you need money ASAP. Cashing your check at the issuing bank is generally a fast process, and depending on the time of day, and how busy the bank is, it can take anywhere from several minutes to an hour or more. Don’t forget to endorse the check before cashing. 

Top Banks for Check Cashing Include:

  • Bank of America
  • Wells Fargo
  • Chase
  • Citibank
  • US Bank
  • PNC
  • TD Bank

2. Cash Your Check at a Retailer

Another option for cashing your check is to go to a retailer or third-party check-cashing outlet. These generally require you to show some form of identification, and they will cash the check for you in exchange for a fee. You’ll be able to get cash immediately. This method can be more expensive than going to the issuing bank, but it can be convenient if the issuer isn’t available or nearby. It can also be faster than waiting in line at a bank teller window since many retailers have dedicated staff for cashing checks.

The convenience store 7-Eleven is one example of a retailer that offers check-cashing services. The check cashing fees at 7-Eleven may vary by store, usually at 0.99% of the total check value. Be sure to look into the terms and conditions applicable to your local store before cashing a check.

Some retailers and third-party check cashing outlets will cash a third-party check. However, they may require more identification in order to do so, and they may also charge a higher fee. Be sure to ask ahead of time what the requirements are and what fees may be involved before deciding to use this method of cashing your check.

3. Load Funds onto a Prepaid Debit Card or Visa Card

Loading funds onto a prepaid debit card is a quick and convenient way to cash checks. With this method, you’ll be able to access the funds associated with your check almost immediately. Many retailers, banks, and other third-party check cashing outlets offer this service, so be sure to shop around for the best rates. The PLS Xpectations Prepaid Visa is one example of a prepaid debit card that can be used to cash checks. The card offers free check loading at a PLS check cashing store and provides access to the funds within minutes.

Keep in mind that there may be fees associated with loading funds to a prepaid debit card with other issuers, so make sure you’re aware of all costs before committing to using this method of cashing your check.

Why Should You Use a Prepaid Debit Card Instead of Cash?

Prepaid debit cards provide several advantages over carrying cash. For starters, they are safer and more secure since they are not linked to your personal bank account. Even if a thief is able to get their hands on your prepaid debit card information, they won’t be able to access the funds in your bank account.

Prepaid debit cards also provide convenience and flexibility when making purchases online or in stores. You can easily track all of your spending without carrying around a physical wallet full of paper bills and coins. The amount that you loaded on the card will remain there until you choose to reload it.

best ways how to cash checks quick

In addition, many prepaid debit cards come with features such as reward programs and cash-back bonuses that you don’t typically get with cash transactions. This allows you to earn money while making everyday purchases, which would otherwise be impossible with cash alone.

Finally, prepaid debit cards offer financial protection against overdraft fees since you cannot spend more than what has already been loaded onto the card. This makes them ideal for budgeting and managing finances, as there is no risk of incurring additional debt or interest charges from banks or credit unions.

Some places that offer prepaid debit cards include:

  • Walmart
  • CVS
  • Walgreens
  • Bank of America
  • Capital One
  • Chase
  • Wells Fargo
  • US Bank
  • TD Bank

4. Cash Checks at a Check Cashing Store

Cashing a check at a check cashing store is a convenient way to access your funds without having to open a bank account. Check cashing stores are typically located in convenience stores, grocery stores, and other retail locations. When you go to cash your check, you will need to provide valid identification such as a driver’s license or passport. The amount of the fee for cashing the check will vary depending on the store and the size of the check.

Who uses check cashing stores?

Check-cashing stores are often used by people who don’t have access to a traditional banking system. Some of the most common users include those without a bank account, immigrants, the homeless, and people who want quick access to their money without having to wait for it to clear through a bank.

Check-cashing stores can also be popular among people who do not have the minimum amount necessary to open an account at a bank or credit union. They are a good alternative to non-Chexsystems banks. Many check-cashing stores offer reasonable fees and will even cash very small checks as long as you have valid identification. This makes them an attractive option for those who need quick access to their funds but don’t want to pay high fees associated with some banks and credit unions.

Finally, many people use check cashing stores when they need immediate access to funds but don’t want to wait the typical two business days it takes for checks to clear at traditional financial institutions. These check-cashing stores typically offer same-day processing time so customers can get their cash quickly and easily.

5. Use an Instant Check Cashing App

Online check cashing is an easy and convenient way to access your money quickly. With the help of apps like Ingo Money, Brink’s Money Prepaid Mobile App, Netspend, PayPal, Western Union Netspend Prepaid, Cash Shop, GO2bank, Money Mart Check Cashing App, and H&T Pawnbrokers you can cash your checks instantly.

These instant check-cashing apps with no verification (on some) will allow you to access your funds in minutes, regardless of where you are located.

You can easily cash a check online with the PayPal app and make bank trips a thing of the past. All you need to do is take a photo of the front and back of your check and review your details and fees before submitting it for processing.

  • You can also get “instant” cash for your check at Cash Shop by paying a very competitive fee.
  • Immediate Funds from Fiserv provides financial institutions with a service to expedite funds availability for small businesses and consumers.
  • Money Station offers instant check cashing with fees.

Overall, online check cashing is an easy way to access your money quickly without having to wait days or weeks for it to clear through traditional banks.

Check Cashing Apps: Pros and Cons


  • Instant access to your money
  • No need to wait in line at a bank or check-cashing store
  • Convenient for those who don’t have access to traditional banking services
  • Lower fees than check cashing stores in some cases


  • It may require personal information, such as your Social Security number or bank details.
  • Fees can be higher than other check-cashing options in some cases.
  • Not all checks are eligible for cashing through apps.
  • It could take time for the money to be available if there’s a delay in processing.

6. Cash Checks with Money Transfer Services

Cashing a check can be a hassle, but money transfer services make it easy. With the help of these services, you can quickly and securely send money to friends and family around the world. Whether you’re sending money online, in person, or by phone, you can rest assured that your funds will arrive safely and on time.

Some people don’t want to use Ingo Money, Brink’s Money Prepaid Mobile App, or other instant check cashing apps because they require personal information. If that’s the case, you can cash a check online instantly without Ingo. Money transfer services like MoneyGram and Western Union can provide a safe, secure way to cash checks without providing personal information.

Money transfer services such as Western Union, Wise (formerly TransferWise), WorldRemit, Ria Money Transfer, Xoom (a PayPal Service), and MoneyGram offer convenient options for cashing checks. These services provide low fees and fast delivery times so you can get your money when you need it. You can also hold multiple currencies in one account with some of these services.

methods how to cash checks fast

With the help of money transfer services, you can access your funds from anywhere in the world with just a few clicks.

Here are some of the benefits of using a money transfer service to cash your check:

  • Convenience: Money transfer services allow you to access your funds from anywhere in the world, making it easy for you to manage your finances on the go.
  • Speed: Money transfer services offer fast and secure transactions, so you can get access to your funds quickly.
  • Security: Money transfer services use advanced security measures to protect your personal information and financial data.
  • Low Fees: Most money transfer services charge low fees for their services, making them an affordable option for cashing checks.
  • Variety of Payment Options: Money transfer services offer a variety of payment options, including bank transfers, credit cards, debit cards, and more.

7. Use PayPal to Cash Checks

PayPal is one of the most popular online payment methods, allowing users to quickly and securely transfer money around the world without a checking account. And now you can use PayPal to cash checks too! With the help of PayPal’s Instant Check Cashing service, you can easily access your funds from anywhere in the world with just a few clicks.

How to Cash Checks with PayPal

Cashing a check with PayPal is easy and convenient. Here are the steps to follow:

  • Download the PayPal app on your mobile device.
  • Log in to your PayPal account and select “Cash a Check” from the menu.
  • Take a picture of the check you want to cash and submit it for review.
  • Once your check has been verified and approved, you will receive an email notification that your funds have been added to your PayPal balance.
  • You can then use these funds as you would any other money in your PayPal account, such as transferring them to your bank account or using them to make online purchases.

With PayPal’s Cash a Check service, cashing checks is quick and easy! No more waiting in line at the bank or worrying about when funds will be available. You can transfer money from PayPal to Cash App once the money is in your account.


  • Instant access to funds
  • Safe and secure way to access your money
  • No need for bank accounts or personal information
  • Low fees
  • Convenient payment options, such as bank transfers, credit cards, debit cards, etc.


  • Not all checks are eligible for cash through PayPal.
  • It may take time for the money to be available if the check is not approved instantly.

8. Use an Online Peer-to-Peer Payment Service Like Venmo

Cashing checks can be a hassle, but with the help of an online peer-to-peer payment service like Venmo, it doesn’t have to be. Venmo is a digital wallet that makes money easier for everyone, from students to small businesses. You can transfer money from Venmo to Cash App and other platforms. It’s a fast, safe, and social way to pay and get paid. With Venmo, you can send and receive money quickly and easily without having to exchange cash or write a check.

Venmo was founded in 2009 by Andrew Kortina and Iqram Magdon-Ismail as a way for friends and family to split bills without having to worry about exchanging cash or writing cheques. Since then, it has grown into one of the most popular digital payment apps, with over 83 million people using it today.

How to Cash Checks with Venmo

Cashing checks with Venmo is easy and fast. Here’s how to do it:

  1. Open the Venmo app on your mobile device or go to the website.
  2. Choose “Add Payment” and select “Select a payment method.”
  3. Tap on either “Add a new bank account” or “Add a new card,” depending on your preference.
  4. Enter your bank information or debit/credit card details, confirm the amount of the check amount you want to cash, and click “pay.”
  5. The funds will be available in your Venmo account within minutes.

9. Take Advantage of Direct Deposit to Cash Checks

Direct deposit is a convenient way to cash checks without having to wait in long lines at the bank. It allows you to deposit your check directly into your bank account, eliminating the need for a paper check.

To take advantage of direct deposit, you’ll first need to set up an online banking account with your financial institution. Once that’s done, you can give whoever has issued the check your bank account and routing numbers. This will allow them to deposit funds directly into your account within a few days. Popular bank direct deposit times at most commercial banks are from 12:00 am to 6:00 am.

You can also set up recurring deposits from paycheck providers like employers, government agencies, and other sources of income. These regular payments will automatically be deposited into your bank account on the predetermined schedule.

Direct deposit may not be available for all types of checks, so make sure to verify this with whoever issued it before setting it up. You’ll also want to double-check that you have entered the correct information when providing your bank details so that the funds are deposited without any issues or delays.

Is there a fee to set up direct deposit at a bank or credit union?

In most cases, setting up direct deposit with a bank or credit union is free. However, you may incur a fee if you have to use third-party services to set up the transfer of funds or if the account has certain fees associated with it.

Some banks or credit unions may also offer discounts on various services when you set up direct deposit. Be sure to ask about any fees or discounts before signing up for direct deposit. 

10. Use a Payroll Card to Cash a Check

A payroll card is a prepaid debit card that allows you to access funds from your employer’s direct deposit program. This type of card eliminates the need for paper payroll checks and makes it easier for employers to make their payments.

how to cash checks fast

To use a payroll card, you’ll need to give your employer or the check issuer your prepaid card number. Your funds will then be available within one business day after the recipient has processed the payment.

Payroll cards provide a convenient way to access your money without needing to open a traditional bank account, but there may be fees associated with using them, depending on how you use them. Be sure to read up on how much each transaction might cost before signing up for a payroll card.

Popular payroll cards include:

  • Serve by American Express
  • Walmart Moneycard
  • PayPal Prepaid Mastercard
  • Netspend Visa Prepaid Card
  • Green Dot Prepaid Card

11. Cash Checks at Walmart

If you don’t have a bank account or you need cash right away, Walmart offers check-cashing services. To use this service, you should familiarize yourself with the Walmart check cashing policy, so you know which checks you can cash there and which checks you can’t cash at the Walmart Money Center.


  • Instant funds availability
  • No need for a bank account
  • Convenient locations


  • Fees for each check cashed
  • Limited to Walmart locations
  • No access to additional services such as direct deposit or online payment platforms.

How to Cash Checks at Walmart

To cash your check at Walmart:

  • Simply bring the check to your local Walmart and present it at the checkout counter along with a valid ID. You will be charged a fee for each check cashed, and the funds will be available instantly.

Walmart also offers MoneyGram transfers, which allow you to send money from one Walmart location to another. This can be used as an alternative if you need to send money quickly but don’t have access to online payment methods like Venmo or direct deposit. The Walmart Money Center hours vary by location, so be sure to check before heading out.

How Do I Cash a Check for a Minor?

Cashing a check for a minor can be a tricky process. It is important to understand the rules and regulations that come with cashing checks for minors, as well as the best ways to go about it.

When cashing a check for a minor, it is important to make sure that you have your own account with the bank before they cash or deposit the minor’s check. This is because banks require proof of identity before they will accept any kind of financial transaction. Additionally, knowing how to endorse a check for a minor is key. It is important to print the minor’s name on the back of the check and add “minor” after their name in order to ensure that there are no misunderstandings about who is taking care of the check.

how to cash a check for a minor

It is also important to note that minors are unable to cash checks themselves, so it is necessary for either a parent or legal guardian to do so on their behalf. This ensures that all transactions are done properly and safely and prevents any potential issues from arising due to a lack of understanding or improper handling of funds.

What Additional Documents Are Needed to Cash a Check for a Minor?

In some cases, you may need to open up a joint or custodial account in order for the minor to be able to cash their check. This requires additional paperwork and documentation in order to prove that you are legally responsible for managing their finances. You may also need to provide additional information, such as birth certificates or other forms of identification, in order for them to be able to access their funds.

Overall, cashing checks for minors can be complicated, but following these steps can help ensure that everything goes smoothly and safely.

How Do I Cash a Check Without ID?

Cashing a check without an ID can be done in several ways. Here are some methods you can use:

  • Sign the check over to someone else. It’s possible to cash a check made in someone else’s name. You can sign the check over to a family member or friend who has valid identification, and they can cash it for you.
  • Use your bank’s mobile app. Most banks provide free check cashing services through their mobile app if you have an account with them.
  • Use Ingo Money. This is a service that allows you to deposit checks straight into your bank account using your smartphone camera without having to show any form of identification.
  • Deposit the check into an ATM machine and withdraw cash from it afterward. Some ATMs allow you to deposit checks without having to show any form of identification, although this may depend on the type of ATM and its location.
  • Use a prepaid card with a check cashing app such as Green Dot or Netspend, which allow you to deposit checks directly onto your prepaid card without needing any form of identification at all.

These are just some of the ways that you can cash a check without an ID, but remember that each method may have different requirements and fees associated with it, so make sure to read up on them before proceeding.

How Do I Cash a Stimulus Check?

Cashing a stimulus check is relatively easy and straightforward. You can do so at most banks or credit unions, as well as check-cashing stores such as Walmart and Publix.

If you’re cashing the check at your bank or credit union, bring your valid photo identification and your bank account information in order to be able to cash it right away. If you don’t have an account with the bank or credit union, you may still be able to cash the check without setting up an account, but there may be additional fees involved.

how to cash a check for a minor fast

At a check-cashing store, you will usually just need to show a valid photo identification, and they will give you cash in return for the stimulus.

Cashing Checks Quickly Summary

Cashing checks can be done in a variety of ways, depending on how much money you need and how soon you need it. By exploring the different methods outlined above, you can decide which option best suits your needs. Before committing to any particular method, make sure to compare fees and other details so that you can find the most cost-effective way to cash your checks quickly and securely.

BG Vance

After starting over financially in mid-life, I decided to share my experience and financial lessons learned with others. I have over two decades worth of professional and personal financial experience helping individuals and families in all stages of life realize their financial dreams. More about me...

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