Third Party Checks: Where to Cash Them How to Endorse

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There are a lot of questions when it comes to cashing third party checks. There are a lot of advantages and disadvantages of online banking that affect these checks. In general, it’s always a good idea to cash your checks as soon as possible. But what if you find out that they’re third party checks? Where can you cash these types of checks? Can you cash them at Walmart? What should be on the reverse side of a third party check to be endorsed properly and accepted by the bank for payment?

People often confuse these checks with a type of money order scam, but they are not. Knowing what to do for cashing a 3rd party check is important. You don’t want to be stranded lacking money. Below we’ll answer all of these questions and also show how to endorse a third party check for a deposit.

What are Third Party Checks?

First things first, before we can discuss the best practices for cashing third party checks, we first have to know what they are. Third party checks are checks that involve more than one person, such as the issuer, the party the check is made out to, and the person cashing the check. There are three different parties involved with third party checks. Someone other than the person the check is made out to is what makes it a third party check. This differs from two party checks by the fact that third party checks involve a different person cashing the check other than the person the check is made out to.

Third party checks also differ from starter checks because starter checks are usually blank and do not have a return address associated with the check.

Ironically, third party checks are a lot more common than two party checks. A third party check is made out to the person cashing the check and includes at least one other person.

An employer is sometimes the third party check recipient for their employees. One example of this would be employees who have jury duty and get paid their normal daily salary amount even though they are at jury duty. Some employers require that the jury duty pay be returned to the employer since the employer is paying the day’s wages for the employee even though they are absent from work.

The employee would sign over their jury duty check and endorse it on the back of the check for jury duty pay. The signature of the employer is also needed to cash the check. You can check out the steps to cash a check made in someone else’s name for proper endorsement.

What are the Benefits of Third Party Checks?

The benefits of 3rd party checks are that it is easier than cash in hand. They don’t have to find change or keep quarters in a roll for the customer for a business, and there are fewer trips back and forth from the register.

  • For an individual, the third party check benefits include not having to carry cash around, is insured, and if the check bounces, will notify them by mail in plenty of time.

Many people don’t cash third-party checks because they are afraid of getting into trouble for cashing the wrong kind of check, but there are benefits to doing so that may outweigh the risk.

  • The upside includes having more places you can cash your paycheck at if it is a personal third party check and can deposit them quickly with no ID requirements.

It’s also beneficial when someone who owes you money sends payment via mail – this way, there is less chance for fraud than using services like Venmo or PayPal, where sending cash without knowing the person could be dangerous.

The Disadvantages of Third Party Checks

Businesses who cash third party checks may end up with a lot more paperwork because it needs to be entered into QuickBooks or other accounting software. The process also adds time when cashing out at night since all transactions need to be reconciled before going home if needed.

On top of that, bank tellers usually get paid hourly, so each transaction can take longer, which means lower productivity overall for them and an increased chance for mistakes due to fatigue over time.

Additionally, there might not always be a place to cash third party checks nearby, or there may be extra chares for cashing them. There can also be potential fraud with these types of checks that people need to watch out for.

Third party checks are not eChecks. The characteristics are listed in what is an eCheck and how does it work for those transactions.

Another drawback can sometimes include being rejected at certain store locations and check cashing stores because some stores have their own company’s branded version of a personal check which cannot be used as a substitute for third party checks. They may not accept third party checks which is a disadvantage if you are trying to pay with them when you receive debit card declined notices.

How to Endorse a Third Party Check?

Endorsing a third party check means that you or the person who cashed your check will sign it. Knowing how to sign a check over to someone else isn’t difficult. As a matter of fact, signing a check over to someone else happens all the time.

how to endorse a third party check
Endorsing a Third Party Check Correctly Prevents Errors

You need to endorse a third party check in order for you to cash it at most banks and financial institutions. The correct way to endorse a third party check is the person the check is made out to must sign it over to a new (third party) recipient. If you need a check, know the differences from a cashier’s check vs a certified check from a bank.

To endorse a third party check correctly:

  • the original check receiver must write on the back of the check in the endorsement spot write “Pay To The Order Of.”
  • Below that, the original receiver of the check must include the name of the new check recipient.
  • The new check recipient must sign their name and endorse the check.

Endorsing a third party check is the same as a two party check in the fact that they both need to be endorsed. Both checks need to be endorsed on the back of the check in order to be cashed by a bank.

In the rare chance that you make a mistake with endorsing the check, the mistake will be noticed by the bank, and it may not cash. In that situation, you will want to know how to void a check and get the check reissued.

How Do I Cash My Third Party Check?

If you want to cash out a third party check, then there is no one specific way to do this because every single situation will be different depending on which bank and institution do such transactions with their customers. Bank of America may have different check cashing procedures than credit unions. It is always best to call the bank, business, or company if you have questions.

But if someone wants a more straightforward solution, they can always go online. There are a lot of instant online check cashing options that exist for banking services.

There are many companies now offering people convenient check cashing options such as pre-paid debit cards as well. Another example is a cash transfer.

The best way to cash a third party check is to send it in for deposit into your account or ask the company you are cashing from how they can help you get the funds deposited if that is what you prefer.

Cashing a 3rd party check isn’t difficult. The most challenging thing when it comes to 3rd party checks is finding where to cash them and making sure to endorse the check.

If you are the new check recipient, you will need a couple of things at the bank to cash the check. You will need the third party check, a valid ID, and your bank account details on hand to cash it. You should go to the bank where you have an account if possible.

Cashing a Third Party Check Without ID

A lot of people want to know if you can cash a third party check without ID. Yes, you can cash a third party check at certain stores, even without an ID.

cashing a third party check without ID

Most people will need ID to cash a check of any type. However, for those people that don’t have an ID, cashing 3rd party checks can be done at certain stores without an ID.

Some retailers do accept these types of checks, but most require identification because it’s possible someone might use a stolen identity or create one with fraudulent intention if all they have are personal details about them; such as birth date, address, etcetera.

Not all retailers accept these types of checks. Most banks may refuse to accept third party checks without ID.

Where to Cash a Third Party Check

There are a lot of places you can cash a third party check. It’s always best to call the store ahead and ask or contact your bank for more information on what stores are available in your area that accepts this type of check.

Obviously, your bank is the best option for casing a third party check. However, there are other places that will cash them as well.

Places to Cash Third Party Checks Near You

  • Office Max *Requires Identification*
  • Staples *Requires Identification*
  • Credit Unions *Requires Identification*
  • Check Cashing Stores *Requires Identification*
  • Publix Supermarkets, Inc. *Requires Identification*

*Calling ahead to these stores is highly recommended so you don’t make a wasted trip. Stores change their check cashing policies often so follow best practice and call ahead to confirm.

Banks That Cash Third Party Checks

Using banks for cashing 3rd party checks is the option that makes the most sense. Most banks do accept third party checks with ID and offer this service free. Whether you are depositing the check or cashing, the bank may refuse a person this service but not likely as long as you have ID.

The best part of using a bank is you don’t have to worry about check cashing apps that don’t use Ingo for your deposit.

If you go to a bank where you have an account, then check to cash is free and takes seconds. If you go to a bank where you don’t have an account, then there will be no fee (as long as the third party has sufficient funds).

Many banks will cash third party checks, but you will need identification unless it is at your bank. You still may need ID even at your own bank, however. Follow good practice, and be sure to have ID available when you go to banks.

Banking and the financial market has has been evolving. See: what is visa provisioning service as an example.

Some of the banks that cash third party checks include:

  • Bank Of America *Requires identification* (though not always)
  • Wells Fargo *Requires Personal Info & Photo ID*
  • Chase Bank *Require personal info and photo ID for all transactions over $100*
  • Citi
  • Capital One *Requires personal info and photo ID*
  • Jupiter Bank*Requires identification if not current customer or depositor with Jupiter*
  • SunTrust Banking Center *Requires identification if not a current customer

Be sure to call ahead to the bank above and ask if ID will be necessary. Many banks’ policies change from time to time, so calling is best to get confirmation of what is needed for check cashing.

If you go to a bank to cash your 3rd party check, many direct deposit times for banks won’t apply. Since you are cashing the check at a bank location, the money should be available immediately once the check has been cashed.

Does Walmart Cash Third Party Checks?

Walmart does not cash personal third party checks. According to their site, they only accept two party checks and up to a $200 max limit.

does Walmart cash third party checks
Walmart Does Not Cash Third Party Checks

Walmart does offer a lot of cash services. You can cash your payroll checks, cash a government check, and more at Walmart locations with the same max of $200 per transaction. You can see Walmart check cashing details here.

Does PayPal Cash Third Party Checks?

PayPal does not accept third party checks. Checks deposited to PayPal must be either a two party check or an electronic funds transfer for a limited time. Checks that are accepted by PayPal are deposited as cash into a PayPal account. PayPal will not deposit a third party check even if someone else has signed the back of the check to a third party.

Is PayPal Cashing Stimulus Checks?

  • You can have your stimulus checks sent to PayPal and cash them without any fees for a limited time. PayPal will accept the check and deposit the check for parties as part of their service. See details in this article here.

A lot of people make money with PayPal, and as a result, there are a lot of cash services PayPal offers. Some of those services include direct deposit, cash your paycheck with PayPal, and more.

Related Questions

Can You Deposit Someone Else’s Check in Your Account?

You can cash a third party check at any bank or credit union. You can also deposit someone else’s check in your account, but you’ll need to have their written permission first. You can get their permission by having them sign the back of their check.

Can You Deposit a Check to Someone Else’s Account?

Yes, you can deposit a check to someone else’s account if they give their written permission on the back of that person’s check.

Can You Deposit Someone Else’s Check in Your Account Without Their Written Permission?

No, third party checks cannot be deposited into your account without first having them sign the back of it and giving you written permission to deposit it.

Can I Cash a Check That is More Than my Checking Account Balance?

No, you can’t cash a check that is more than your bank account. You will need to deposit the funds into your account before cashing it. Following a budget by paycheck model can help avoid insufficient funds in your accounts.


Knowing the details of cashing a third party check is important. If you’re uncertain about which options are open to you, it’s best to ask your bank or financial institution directly. Some banks may cash a check if the pay to the order is made out to another person and all of the requirements are met for endorsing a check.

The process of endorsing checks and cashing third party checks can be tricky if you don’t know what available services your checking account offers and how they work. That’s one reason why banks or a credit union are one of the best options for cashing 3rd party checks.

Knowing how to endorse these checks is also crucial. When you endorse a third party check, it means that you are signing off on the payment and declaring it as good.

It’s important to note what happens when there is no endorsement or if the endorsement was done incorrectly; without an appropriate signature of acceptance, the responsibility for paying out funds lies with whoever issued them in the first place (typically a bank). This can be problematic because banks often have policies against giving cashback to people who’ve endorsed checks improperly.

BG Vance

For over 20 years, BG Vance has been a leader in public and personal financial management. He's developed and managed public budgets in excess of hundreds of millions of dollars. He is passionate about the FIRE movement and was featured in the Detroit News in 2001 about saving for retirement. Through the years, he's assisted families and individuals with getting their finances on track. He holds an MPA, is a licensed Realtor, and is currently working on a book about personal finance.

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