Do you need a location to cash a check from a third party?
A number of banks and credit unions allow you to cash third-party checks. You can cash third party checks at the Bank of America and Citibank as well as Chase, HSBC and Chartway Federal Credit Union.
Many check-cashing shops also offer third-party services. Check ‘N Go, ACE Cash Express and The Check Cashing Store are the leaders in this category.
No matter where you cash a third party check, make sure to have proof of your identity. A government-issued photo identification is required in most cases. Also, some institutions require that both payees must be present at the time of cashing the check.
Most credit unions won’t charge you any fees but expect to pay third-party check-cashing fees in most banks and check cashing stores if you are a non-customer. Also, note that grocery stores, convenience stores, and gas stations offer other check-cashing services, but they will not cash a third-party check for you.
What is a Third-Party Check?
A third-party check is a check that involves two payees. The check is originally drawn for one person (written to someone.) Instead of the original payment being cashed, the check is designated to be paid to another person.
Insurance claims can often involve third-party checks. To cover accidents, an auto insurance check may be sent to you. Instead of sending the check to the auto shop, the insurance company will send it directly to you. There are two options available in this instance:
- Cash the check yourself to pay the person who fixed your car.
- To cash the check yourself, sign the check in to the repair shop. In such a case, the insurance payment becomes an “third-party” check.
A third-party is simply a check signed over by two parties. All checks can become third-party, regardless of whether they are personal checks or payroll.
Is it possible to deposit someone else’s check into my account?
You can deposit a check made out to someone else in your bank account if the payee endorses the check over to you. To endorse it to you, they will need to write “Pay to your name” on the check’s back and sign it.
But, banks aren’t required to accept third-party cheques by law. Banks can accept or reject checks. To cash a third-party check, you will need proof of identity.
Some banks will accept a check without the original payee as long as it is properly endorsed. Another bank will not accept a check like this unless the original paymentee is present with a valid ID.
Other banks won’t accept these checks unless the check is jointly drawn by two people. For example, with a married couple, one person endorses it over to the other person allowing him/her to deposit it in a separate account.
Some banks may require that the joint check be deposited in a joint account. This is especially true if it’s a government check such as a stimulus check. It will not be accepted by any bank if the other party isn’t a bank account holder.
What are the requirements to cash a Third-Party check?
The theft and fraud of third-party checks is a greater risk with third-party checks. Banks, credit Unions, and any other place that cash third parties checks have to accept them. Others may refuse to cash third-party payments in any of their offices.
Here’s how to cash a Third Party Check:
- Endorsement A third-party check must be properly signed by both parties and must be properly endorsed on the back. It’s even more effective if the endorsement is made in front of bank personnel.
- Identification: You will need to provide a government-issued photo ID to cash or deposit a third-party check. Also, verification of the original payer is required. Some banks may require verification or a guarantee from the original payer. Some banks require both the original payee and the second party to be present in person to cash the check. For account holders with an existing relationship, some banks may waive the requirement to verify second party.
These policy variations are why you might call your bank ahead to inquire about their conditions regarding cashing third-party checks.
How To Endorse A Third-Party Check
Signing the check over to another person can enable you to endorse it. Instead of signing on the first line as you would do when cashing the check yourself, write “Pay to the order of X. X is the third party. A third party could be the person or business to which the check is being certified.
The original payee signs the second line. The third-party sign their name on line 3.
It’s easy! Consider signing a third party check before you sign it. I, for instance, always sign documents in front of my personal banker if I need them to be notarized.
In-person verification may be required at some other locations.
17 Non-Party Check Cashing Facilities Near Me
Now it is time to answer some big questions.
Here is a list with 17 nearby places.
Banks
You should cash third-party checks at your bank. Your bank is happy to assist customers.
A third-party check can be cashed at any bank. Cashing a check from a non-customer is usually subject to a fee.
Important to remember that banks are not required by law to accept checks from third parties. You can either cash it or deposit the money depending on what policies your bank has. A branch manager can play a significant role in each branch.
You can increase the chances of your check being accepted by depositing it in person, rather than via ATM deposit or mobile. Always bring a valid government-issued photo ID for identification purposes.
Please call your bank branch or bank ahead of time as requirements can change.
Below is a list containing all the banks that allow you to cash a third party check. This list starts with the best.
1. Bank of America
The Bank of America offers the best overall solution for anyone looking to cash checks. They have financial centers in 39 states, and have ATMs that issue $10 bills. Third-party check are treated on a case-by–case basis by them. This means that the Financial Center Manager is able to decide whether to accept or reject a third party check.
Bank of America accountholders can cash third party checks free of cost. Non-customers can cash third-party checks for free up to $50 and pay $8 for anything over $50. To cash it, both must be present with valid photos IDs at Bank of America.
Find a Bank of America nearby.
2. Citibank
With nearly over 700 branches in the US, Citibank is a great place to cash a third-party check.
You will need to cash a Third-Party Check at Citibank.
- Citibank account holders can only cash it up to the available checking account balance. If the check balance is greater than the amount, the balance may be deposited.
- Citibank can only issue checks to non-accountholders.
- The original payee may be required to verify or guarantee the endorsement.
Citibank customers don’t pay fees Citibank customers that do not have an account can cash out third-party checks drawn at Citibank for no charge up to $5,000
Locate a Citibank near you.
3. Chase Bank
Chase Bank boasts more than 4700 branches throughout the United States, making it a convenient place to cash a check or issue a check. They also have ATMs that will let you withdraw $5.
To cash a check from a third party at Chase Bank,
- Chase checks drawn on Chase are not available to non-account holders.
- Be sure to place endorsements correctly. Badly endorsed checks could result in a charge, or even loss of use.
Chase Bank account holders may cash third-party cheques for free. Non-customers can cash third-party checks for as little as $50. After that, they will have to pay $8 for each additional $50.
Find Chase Banks near you.
4. First National Bank
First National Bank has almost 340 branches in the United States. Non-customers can have third-party checks handled on an exception basis. Non-account holders can be refused endorsements. A bank may request independent verification for endorsements.
First National Bank customers have the option to cash third-party cheques for no charge. Non-customers are required to pay a $10 check.
Locate a First National Bank nearby.
5. HSBC
HSBC has over 200 branches around the US.
Requirements for cashing a third-party check at HSBC
- Non-account holder may cash only business and personal checks drawn on HSBC.
- Endorsements should match the exact names of the check.
- Incorrect endorsements can lead to charges. Items returned will be charged.
Customers can cash personal checks for free. Customers can cash personal checks without paying a fee. Business checks above $100 will be charged a $3 surcharge, and transactions exceeding $100 will incur a $5 surcharge.
Find a HSBC near you
6. Suntrust Bank & BBT (now Truist).
Now called Truist, the banks combine have over 2,000 branches in America.
Suntrust requires to cash a check from a third party.
- All endorsements are subject to verification. The payees must also be present together with the verification documents.
- Account-holders can cash third-party checks for free. Non-customers will pay a $7 flat fee per check over $50.
Find a Suntrust Bank in your area.
BBT customers who are not BBT customers may cash only third-party checks drawn from BBT. For checks above $50, non-account holder pay an $8 fee.
Locate a BBT in your area
7. MT Bank
MT Bank can cash third-party checks in more than 750 locations across the U.S. A third-party check issued by the bank can only be cashed by non-MT customers. Both the original payee and the other party must be present for in-person verification.
Generally, non-customers pay a fee of 2% for the total check amount. A minimum fee of $3 is charged and a maximum of $20.
Locate a nearby MT Bank.
8. TD Bank
TD Bank’s 1,200 branches are mainly located on the east coast. Their requirements for cashing third-party checks vary by location and individual situations.
TD bank suggests calling ahead to get approval from your branch manager. Account holders who are accepted can cash third-party cheques for free. Non-customers will be charged $7 per check.
Find a TD Bank nearby.
9. U.S. Bank
The U.S. bank has around 3,067 branches throughout the country. U.S. Bank customers are required to cash or deposit any third-party cheques in person at one their branches. Non-customers cannot cash third-party checks drawn upon U.S. Bank. Customers are allowed to cash third-party checks for $7, and non-customers can do so for free.
Find a U.S. Bank in your area.
Credit Union
Are you a member or a former member of a credit cooperative? We discuss the top credit unions across the country that allow you to cash and deposit third-party checks.
10. Chartway Federal Credit Union
Chartway Federal Credit Union boasts nearly 30 branches. The following requirements are required to cash third party checks
- Members can cash out or deposit third-party checks.
- Non-members can also cash it as long as they are drawn on Chartway.
- Non-members and members can cash it out for free.
Find a nearby Chartway Federal Credit Union.
11. Connexus Credit Union
Connexus member only can access check cashing. Connexus Credit Union does not allow non-members to cash checks. These are the policies of a credit union:
- In order to verify or guarantee third-party endorsements, credit union personnel may be required to present them.
- Connexus will cash third-party checks only if the teller can witness your signature.
- Cash is available for account holders free of cost.
Find a Connexus Credit Union nearby.
12. Navy Federal Credit Union
It has around 316 branches throughout the United States. For third-party check, Navy Federal Credit Union requires the following:
- It must be signed by members in the presence a teller
- Non-members are only allowed to accept checks drawn on NFCU. Both parties must be present for in-person verification.
- Check-cashing is free for NFCU members as well as non-members.
Find a Navy Federal Credit Union nearby.
Apart from banks and credit unions, check cashing stores offer great alternatives for third-party check cashing places near you.
The fees charged by check-cashing outlets are higher than those charged by credit unions. Fees vary by store, depending on what check is being used and how much.
Here’s the list of check-cashing stores that accept checks from third parties and the associated fees.
13. ACE Cash Express
Ace Cash Express is a top check cashing store with over 950 locations in 23 states. While the rules of each store are different, they all require that both parties be present and verify endorsements.
The ACE Cash Express fees typically amount to 3% of the check amount. However, they can vary depending on check type, amount and store location.
Find a nearby ACE Cash Express, which is open on Saturdays.
14. Advanced Financial
Advanced Financial operates over 100 branches throughout Tennessee. These branches offer online loans as well as money orders, prepaid cards and ATM services.
Requirements to cash a third-party check at Advanced Financial
- The checks must be endorsed in person, and the endorsers may be required to verify their original signatures.
- Payroll, government, and stimulus checks all have a 1%-2% fee of the total amount. A government check costs $2, while payroll charges $3.
- Personal checks are charged a 10% fee of the total amount. A $5 minimum fee applies.
All other checks will be charged at a rate between 1% and 5% of the check amount. $5 is the minimum fee per check
Find a nearby Advance Financial open on weekends.
15. You can check ‘N go
Check ‘N go has almost 900 locations in the US that offer cash advances and installment loans as well as payday loans.
They will require both parties to verify in person.
The fees at Check ‘N Go vary by location, type of check, and amount. The fee is 1.99% of the total amount due.
Find a nearby Check ‘N Go that is open on Saturdays.
16. The Check Cashing Store
Only select The Check Cashing Store locations are able to cash third-party checks. There are over 40 locations offering services in Florida, including mobile check cashing, Western Union wire transfers and get money orders.
The fees vary depending on what type of check you are using, how much you pay, and where you are located.
Find a The Check Cashing Store that’s open 7 days a Week in your neighborhood.
17. Get Cash Quickly
Many Speedy Cash locations cash third-party checks and even offer 24-hour check-cashing services. Speedy Cash requires that both the original payee (or issuing bank) be confirmed prior to cashing. Speedy Cash will often call both parties via phone to verify their identities.
Check Cashing fees start at $2 at most Speedy Cash locations, although this may vary.
Find a nearby Speedy Cash open 24-hours.
18. PNC Bank
PNC Bank offers both customers and noncustomers a check-cashing option. While this service is absolutely free for existing customers, non-account holders are required to pay a small fee of $2 if the check amount exceeds $25.
Make sure the check has the signature of both the account holder as well as the person to whom the check was actually issued.
Once both of the parties sign the check, the account holder can cash it with a valid ID and a photo ID.
PNC locations are located in more than 19 states. They have over 2459 branch offices and 9000+ ATMs. Find a PNC nearby.
How to Cash Third-Party checks in Public Places
Many places don’t offer third-party check cashing services. These banks, check cashing and grocery stores, as well their customer service representatives, have confirmed that they don’t typically cash third party checks.
Banks and Credit Unions
- Allied Federal Credit Union
- Ally Bank
- Bank of the West
- Charles Schwab
- Citizens Bank
- Discover Bank
- Fifth Third Bank
- KeyBank
- PenFed Credit Union
- Regions Bank
- Wells Fargo
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- Check Into Cash
- Community Financial Services Center (CFSC).
- Friendly Check Cashing
- Money Mart
- Mr. Mr.
- Pay-O-Matic
- PLS Check Cashing
- United Check Cashing
Grocery stores
- Kroger
- Safeway
- Albertsons
- Publix
- H-E-B
- Meijer
Although credit unions and banks don’t generally cash third-party funds, they may allow third-party checks to be deposited into your account. The chances of your application being declined to deposit money via a mobile phone or ATM increase. It is better to make your deposit in person than you do via a mobile app or ATM.
FAQ
HTML3_ Who Will Cash Third-Party Support Checks?
If the check is correctly endorsed, most banks, credit Unions, and check-cashing locations will cash a third-party stimulant check. It is similar in concept to a thirdparty IRS refund check being issued to a taxpayer, who then signs it for another person.
For any questions, please call your bank or credit union to find out the requirements for cashing the check. Some institutions may require that both parties be present in person for verifications. Many institutions will require proof of identity or guarantee to the original payee.
Does Walmart Allow Third-Party Checks
Walmart’s Money Center does not accept checks from third parties. Groceries and convenience stores also offer check-cashing services that can be used for payroll or government purposes. Walmart is the only place that cashes checks from third parties.
You can deposit someone else’s check in your ATM Account.
An ATM account allows you to deposit checks from third parties. The same rules apply to the deposit of a third-party check at an ATM. You can deposit a third party check at an ATM as long as you have the signature of the original payee.
The chances of your deposit being declined are high if the ATM is open 24 hours. You might want to deposit your check in person at a bank to increase your chances of it being accepted.
How can I deposit a check with a single name in a joint bank account?
It all depends how the joint bank account was setup. Joint accounts often require that checks be signed only by one of the account owners. If that is the case, you might be able deposit a check with just one name into a joint account.
Two signatures may be required for an account. If so, two signature lines will be used. Both must sign to make the deposit.
Do you have the right to cash a Third-Party Stimulus Check?
Cashing a third-party stimulant check can be done at any bank or credit union, cashing station, and any other financial institution that cashes such checks.
It’s typically a refund check issued to a taxpayer who then signs it over to another person. As with all checks that can be cashed, the check can also be endorsed.
Because they are confident that the document is valid and backed-up by the government, any financial institution will accept it. The check must be endorsed on the back with a signature and the name of the payee.
On the first line, type “Pay to the Order of” to endorse a third party stimulus check. Next, write the name of who the endorsement is for, and then your name as it appears on front of the check.
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Banks, credit unions, and check cashing stores are the most common places to cash a third-party check near you. Each place has its own requirements and fees, while other places like gas stations, grocery stores, convenience stores, and Walmart will not cash a third-party check.
Policies for cashing a third-party check vary from one financial institution to another; hence it’s important to call ahead of time to make and inquire.