Where Can I Cash A Check Near Me Right Now – If you need to cash a cashier’s check, you can do so at the issuing bank or financial institution, but fees may apply if you are not a customer. Fortunately, there are other ways to cash a cashier’s check — even if you don’t have a bank account.
First, the bank transfers the amount you requested from your account to its account. The bank then issues a check drawn from its funds to the person you want to pay. Because the bank’s funds are safe, the money can be available to the payee more quickly, especially on large deposits that can typically take several business days to clear when made by personal check.
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However, you will have to pay a little for security and convenience. Payments over $1,000 incur a fee, which typically ranges from $5 to $15  .
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You will need to have enough money in your account to cover the transfer. You’ll also need to tell your bank the recipient’s name, and you’ll need to have a driver’s license or other valid identification.
You can get a cashier’s check at your local bank branch: just ask your bank teller. You may be able to get it online if your bank offers this service.
A registered check is withdrawn from your bank account, while a cashier’s check is withdrawn from your bank account. You can stop payment on a personal check because it’s drawn from your account, but you don’t have that option with a cashier’s check.
There is always the risk that you will not have enough funds in your account to cover the check you write, but there is no such risk with a cashier’s check. This is because the bank determines whether you have enough funds to cover the cashier’s check before it is issued, so availability of funds is not a factor.
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Cashier’s checks usually allow you to release funds quickly. Some banks may require a special deposit slip for next day collection. In addition, banks may place a hold on cashier’s checks if the total amount deposited in one day exceeds US$5,525 or if they have reason to suspect that they cannot be collected at the issuing bank.
A certified check, like a regular check, is a form of payment from the customer’s bank account.
However, with a certified check, the bank checks to see if there is enough money in that account to cover the amount of the check. After verification, the bank will print the word “certified” or “accepted” on the check. This guarantees the recipient that the check will not bounce.
Some people or companies may ask for a certified check as payment, especially for large payments such as a down payment on a home. However, not all banks issue them, and you can’t get them online because you need the issuer to stamp the physical check you wrote as certified.
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A money order is used in the same way as a cashier’s check to guarantee the availability of the funds you pay. Money orders are commonly used for small purchases and are a useful option for people who do not have bank accounts.
You might balk at spending $15 in fees to pay a $100 repair bill with a cashier’s check, but paying a $1 money order at Walmart or a dollar or two at the post office makes a lot more sense for a small purchase or payment. [ 4]
That’s right: you don’t have to go to the bank to get a money order, and that convenience can be a big plus.
You can purchase a money order for up to $500 at any post office for $1.45, or pay 50 cents more for any amount up to a maximum of $1,000. Postal orders issued by military installations cost as little as fifty cents. ] The post office accepts payment by cash, debit card or traveler’s check, but does not accept credit cards. You simply pay the amount of the money transfer plus the fee, and then keep the receipt for tracking.
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You can cash a cashier’s check at banks and credit unions. If you are not a customer of a financial institution, you will probably have to pay a fee.
Other requirements may also apply. For example, a US bank requires you to provide your Social Security number to cash any check over $500. You’ll have to show photo ID almost everywhere you go, but some places like Bank of America and Citibank require two forms of ID.
You can also cash a cashier’s check at many check cashing stores, such as Ace Cash Express, Check ’n Go, Check Into Cash, Pay-O-Matic, PLS Check Cashing, Money Mart, and Moneytree.
Check cashing stores make their money by charging a fee to cash your checks, and the fee can be substantial because it is sometimes charged as a percentage of the face value of the check.
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So if you cash a $2,000 cashier’s check at a store that charges a 5% commission, you’ll pay $100 just to get your money. The cost varies from store to store, and some require you to pay a minimum fee or a nominal sign-up fee the first time you use it. For example, PLS cashes checks “as low as 1% + $1”  and Advance Financial’s fees range from 1% to 5% with a minimum fee of $5 .
Walmart and other large stores can also cash a cashier’s check for you. So can large grocery stores like Kroger and H-E-B.
Rules and restrictions vary by store. Walmart charges a $4 fee for checks up to $1,000 and $8 for checks over $1,000, while Texas-based H-E-B has a $3 fee for checks up to $3,000 and different fees for higher numbers [6 ].
Kroger is giving you a small break on the store card fee: You’ll pay $4 to cash a cashier’s check under $2,500 with a card and $4.50 without one. For larger amounts, the fee is $7 with a card and $7.50 without one.
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Some travel centers like TA/Petro also offer check cashing services. You can sign up for a membership (for a $25 fee) and cash checks up to $999. There is a service fee, but it is waived on qualifying purchases such as 60 gallons of diesel, $50 in-store purchases, or $250 or more in truck maintenance/repair services.
Some banks offer the ability to cash a cashier’s check online using mobile apps and other mobile deposit methods.
You usually need to validate the check just like a regular check and then follow the program’s instructions. You will be asked to enter the amount of the check and select the account to which you want to deposit it.
After that, you will need to take a photo of both sides of the check – the front, with the route and account numbers clearly legible, and the back, with your signature. Make sure the photos are in focus. Banks often limit the amount of money you can deposit through a mobile app (such as the $5,000 limit set by Bank of America).
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You can also deposit cashier’s checks through online services such as PayPal and have the money deposited into your bank account or special debit card.
You will need to present a government-issued photo ID to cash a cashier’s check. Fees and other requirements will vary depending on the location you choose. Some companies will require two forms of identification.
Most institutions will provide cashier’s checks to customers, but some small banks and credit unions also offer the service to non-customers for a fee. You need to look around in your area to find it.
If you need to cash a cashier’s check but don’t have an account, you can find a bank or credit union that will issue non-customer checks. Be prepared to pay the duty in such cases. Another option is a check cashing service, although such services often charge a high fee. 
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Cashier’s checks are safer than personal checks because they’re backed by a financial institution, but that doesn’t mean they’re immune to fraud.
To make sure the check you received is legitimate, contact the issuing bank using the contact information on their website. If there is a phone number on the check, don’t name it: if the check is fake, the number will be too. And most check fraud involves forged checks.
You might be tempted to breathe a sigh of relief when you see that the check has paid, but that doesn’t mean it’s not fake. Banks are required by US law to make deposit funds available within a few days, but fake checks can be detected after that time. If they are, you must repay the bank, and if you have paid money to the fraudster in the meantime, you will lose that amount.
Sending and receiving money through recognized, trusted apps like PayPal or Google Pay, or through your bank’s website, is a good way to avoid fraud.
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Since most scams involve fake checks, make sure the checks were issued by the institution listed on the front page.
Victims of fake checks can report
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