Are you looking for a place to cash a third-party check near you?
You can cash a third-party check at some banks, credit unions, and several check-cashing stores across the country. Some of the top banks and credit unions where you can cash third-party checks include the Bank of America, Citibank, HSBC, Chase, M&T, and Chartway Federal Credit Union.
Several check-cashing stores also offer third-party check-cashing services. Leading the pack in the category are stores like The Check Cashing Store, ACE Cash Express, and Check ‘N Go.
Regardless of where you choose to cash a third-party check, be ready to show proof of identity. In most cases, you’ll need a government-issued photo ID. 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.
Table of Contents
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 payee cashing the check decides to designate payment to a second person who then cashes or deposits it.
Third-party checks are common in insurance claims. For instance, you may receive an auto insurance check for your car to cover accident repairs. The insurance company sends the check directly to you instead of the auto repair shop. In this case, you have two options:
- You can cash the check yourself and use the funds to pay whoever fixed your car.
- Sign the check over to the repair shop so they can cash it themselves. In this case, the insurance payment becomes a third-party check.
A third-party check is simply a two-party check that has been signed over to another person in a nutshell. That means any check can become third-party, including personal checks, payroll, and other types, as long as the original payee signs it over to you. The original payee of the check has to sign the check and endorse it before it can be used as a third party check. A third party check is also known as a double endorsed check.
In the case of a third party check, the primary party is the bank from which the check is initially drawn. Then comes the secondary party, which represents the person or establishment that drew the check against funds to deposit in their bank. Finally, the third party is the person who endorses the check.
Can I 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.
However, it is important to remember that banks aren’t obligated by law to accept third-party checks. The decision to accept or refuse the check is up to the bank; you will need to prove your identity when cashing a third-party check.
As long as the check is endorsed correctly, some banks will process it in the absence of the original payee. Other banks will not accept such a check unless the original payee is present and brings a valid ID.
Some other banks will accept such checks only when the check is jointly made out to two parties. 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.
A few banks will require the joint check to be deposited into a joint bank account, especially if it is a government check, such as a stimulus check or an IRS refund. No bank will accept it if both parties are non-account holders in the bank.
What do I Need to Cash a Third-Party Check?
Third-party checks carry an increased risk of theft and fraud. To protect you, as well as themselves from losses, banks, credit unions, and other places that cash third-party checks impose strict conditions and requirements before accepting. Others will not cash a third-party payment in any of their locations.
Here is what you need to cash a third party check:
- Endorsement: For a third-party check to be accepted, it must be properly endorsed to you on the back with signatures from both parties. It is even better when the endorsement is done in front of the bank personnel.
- Identification: You will need to provide a government-issued photo ID to cash or deposit a third-party check. Verification for the original payee is also required. Some banks may call the original payee for confirmation or a guarantee. In contrast, others require both parties to be present when cashing the check to provide in-person verification. For established account holders that have a relationship, a few banks may waive the second-party verification requirement.
Due to these policy variations, consider calling your bank ahead of time to inquire about their conditions and requirements for cashing a third-party check.
How to Endorse a Third-Party Check
You can endorse a third-party check by signing it over to another person. 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 may be a person or business the check is being endorsed over to.
Then you (the original payee) signs the second line on the back of the check. The third-party will sign their name on the third line.
It’s very simple! Always consider endorsing a third-party check in front of bank personnel such as a teller or cashier so that they can witness your signature. For example, I always make sure I sign a document in front of the personal banker when I need something notarized.
Other places may require the original payee to be present for in-person verification.
Because third party checks change hands more often than regular checks, there are some factors you need to consider while signing one. The first thing to keep in mind is that you should confirm with the receiver’s bank if it accepts a third party check. If not, you might run into some problems and dissatisfied customers.
When you’re depositing a check on someone’s behalf, you should know that you’re responsible for the check’s funds if it doesn’t go through. Being liable for a bounced check means that you need to be much more careful when dealing with third party checks.
Banks are not obligated to honor third party checks. There is more room for fraudulent transactions when it comes to these checks, which means that banking personnel are usually very careful when dealing with them.
If you try to add extra signatures to the back of the check and try in different places, it might also lead to confusion. For this reason, you should always check with your bank before you endorse or accept a third-party check.
Another tip you can keep in mind when dealing with these checks is to go to the bank with the person depositing the check. This will help speed up the process as the bank will not suspect any criminal activity when you’re present.
17 Third-Party Check Cashing Places Near Me
Now it’s time to answer the big questions in your mind: Where can I cash a third-party check near me?
Here is a rundown of 17 places near you.
The most reliable way to cash a third-party check should be your bank, where you’re an account holder. Since you are a customer, your bank is always happy to help you.
You may also be able to cash a third-party check at an issuing bank. However, most banks charge a fee to non-customers for cashing a third-party check.
It is important to note that banks are not obligated by the law to accept third-party checks. Therefore, the bank’s policies will determine whether you can cash or deposit it. A branch manager can be the determining factor for each branch.
Consider depositing the check-in person rather than via mobile or ATM deposit to tilt the odds of acceptance in your favor. Always bring a valid government-issued photo ID for identification purposes.
Call your bank or branch ahead of time since the requirements can vary.
Here is a rundown of banks where you can cash a third-party check, starting with the best options overall.
1. Bank of America
The Bank of America is a top overall option for anyone looking to cash a third-party check. They have financial centers in over 39 states across the US and have ATMs that dispense $10 bills. For them, third-party checks are handled on a case-by-case basis. That means the discretion on whether to accept or not to accept a third-party check rests with the Financial Center Manager.
Bank of America account holders can cash third-party checks for free. Non-customers can cash third-party checks for free up to $50 and pay $8 for anything over $50. Both parties must be present with valid photo IDs at Bank of America to cash it.
Find a nearby Bank of America.
With nearly over 700 branches in the US, Citibank is a great place to cash a third-party check.
Requirements 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 amount is more than the balance, the remaining balance may be deposited.
- Non-account holders can only cash checks drawn from Citibank.
- May require the original payee to verify or guarantee their endorsement.
Citibank customers will not pay fees. Non-account holders can enjoy cashing third-party checks drawn on Citibank for free up to $5,000.
Find a nearby Citibank.
3. Chase Bank
Chase Bank has more than 4,700 branches in different states across the country, making it an ideal place to cash a third-party check. They are also one of the few banks that have ATMs that let you withdraw $5.
Requirements to cash a third-party check at Chase Bank:
- Non-account holders cannot cash third-party checks drawn on Chase.
- Make sure that endorsements are correctly placed. Wrongly endorsed checks may attract a charge or a loss of use.
Chase Bank account holders can cash third-party checks for free. Non-customers can transact checks up to $50 for free, then pay an $8 fee over $50.
Find a nearby Chase Bank.
4. First National Bank
First National Bank has nearly 340 banking offices across the country. Third-party checks are handled on an exception basis for non-customers. That means the bank may refuse endorsements by non-account holders. Alternatively, the bank may require independent verification for each endorsement.
Cashing third-party checks is free for First National Bank customers, while non-customers pay a $10 fee per check.
Find a nearby First National Bank.
HSBC has over 200 branches in the US.
Requirements to cash a third-party check at HSBC:
- Non-account holders may only cash business and personal checks drawn at HSBC.
- Endorsements must match the exact names on the check.
- Improper endorsements may result in charges; you will be charged for any items returned.
Cashing personal checks is free for customers. Non-customer business checks up to $100 face a fee of $3, and transactions over $100 pay a $5 fee.
Find a nearby HSBC
6. Suntrust Bank and BB&T (now called Truist)
Now known as Truist, the combined banks have over 2,000 branches in the U.S.
Requirements to cash a third-party check at Suntrust includes:
- All endorsements require verification, and both payees must be present along with their verifications documents.
- Account-holders can cash third-party checks for free. Non-customers will pay a $7 flat fee per check over $50.
Find a nearby Suntrust Bank.
BB&T non-customers may only cash third-party checks drawn on BB&T. A fee of $8 is applied for checks over $50 for non-account holders.
Find a nearby BB&T
7. M&T Bank
With more than 750 branches in the U.S., M&T Bank may be a great place to cash a third-party check if you live in the northeast. Non-M&T customers can only cash a third-party check issued from the bank. 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. There is a minimum fee of $3 and a maximum fee of $20.
Find a nearby M&T Bank.
8. TD Bank
TD Bank has over 1,200 branches primarily located toward the east coast. Their requirements for cashing third-party checks vary by location and individual situations.
TD bank recommends calling ahead of time to get the go-ahead from your local branch manager. If accepted, account holders can cash third-party checks for free, while non-customers face a $7 charge per check.
Find a nearby TD Bank.
9. U.S. Bank
The U.S bank has about 3,067 branches across the country. They require that U.S. Bank customers cash or deposit third-party checks in person at one of their branches, while non-customers can only cash third-party checks drawn on U.S. Bank. Cashing a third-party check is free for customers and $7 for non-customers.
Find a nearby U.S. Bank.
Are you a member of a credit union? We discuss the top credit unions across the country that allow you to cash and deposit third-party checks.
10. Chartway Federal Credit Union
The Chartway Federal Credit Union has nearly 30 branches. They have the following requirements for cashing third party checks:
- Members can cash or deposit any third-party check.
- Non-members can also cash it as long as they are drawn on Chartway.
- Both members and non-members can cash it for free.
Find a nearby Chartway Federal Credit Union.
11. Connexus Credit Union
Check cashing services are available for Connexus members only. Non-members cannot cash a check at Connexus Credit Union. Here are credit union’s policies:
- Third-party endorsements may require verification or guarantee in the presence of credit union personnel.
- The teller must witness your signature when cashing a third-party check at Connexus.
- Account-holders can cash for free.
Find a nearby Connexus Credit Union.
12. Navy Federal Credit Union
It has about 316 branch locations in the United States. The Navy Federal Credit Union requirements for third-party checks include:
- For members, it must be signed in the presence of a teller.
- Only checks drawn on NFCU are accepted for non-members. Both parties must be present for in-person verification.
- Free check-cashing for NFCU members and non-members.
Find a nearby Navy Federal Credit Union.
Check Cashing Stores
Apart from banks and credit unions, check cashing stores offer great alternatives for third-party check cashing places near you.
Check-cashing stores always charge a fee, unlike most credit unions. The fees will vary from store-to-store, the type of check, and the amount.
Here’s a list of check cashing stores that accept third-party checks and the associated fees.
13. ACE Cash Express
Ace Cash Express is a top check cashing store with over 950 locations in 23 states. The rules vary by store, but generally, they require both parties to be present and verify the endorsements.
The ACE Cash Express fees are typically 3% of the check amount but vary by check type, amount, and store location.
Find a nearby ACE Cash Express open Saturdays.
14. Advanced Financial
Advanced Financial has over 100 branches in Tennessee that offer online loans, money orders, prepaid cards, ATM services, bill pay, line of credit loans, Western Union wire transfers.
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.
- Government, payroll, and stimulus checks have a 1% to 2.99% fee of the total amount. The minimum fee for a government check is $2 and a $3 fee for payroll.
- Personal checks are charged a 10% fee of the total amount. A minimum fee of $5 applies.
All other checks are charged at a rate of 1% to 5% of the total check amount. The minimum fee per check is $5.
Find a nearby Advance Financial open on weekends.
15. Check ‘N Go
Check ‘N Go has nearly 900 locations across the US that offer cash advances, installment loans, payday loans, and more.
They require in-person verification for both parties.
The fees at Check ‘N Go vary by location, type of check, and amount. The fee starts at 1.99% of the total check amount.
Find a nearby Check ‘N Go open on Saturdays.
16. The Check Cashing Store
You can cash a third-party check at only select The Check Cashing Store locations. Over 40 of their locations in Florida offer services like mobile check cashing, loans, Western Union wire transfers, get money orders, and prepaid cards.
The fees charged vary by type of check, amount, and location.
Find a nearby The Check Cashing Store open 7-days a week.
17. Speedy Cash
Many Speedy Cash locations cash third-party checks and even offer 24-hour check-cashing services. They require that the original payee and the issuing bank must be confirmed at the time of cashing. Most of the time, Speedy Cash will call both parties for verification via phone.
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 a check-cashing service for both customers and noncustomers. 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 parties endorse the check with a signature, the account holder can get it cashed with a valid photo ID.
PNC has locations in close to 19 states, with over 2459 bank branches and 9000+ ATMs, so it’s accessible to a large portion of the population. Find a nearby PNC.
What Places Don’t Cash Third-Party Checks?
Many places don’t offer third-party check cashing services. As confirmed by their customer services, the following banks, credit unions, check cashing stores, grocery and convenience stores don’t cash third-party checks, normally.
Banks and Credit Unions
- Allied Federal Credit Union
- Ally Bank
- Bank of the West
- Charles Schwab
- Citizens Bank
- Discover Bank
- Fifth Third Bank
- PenFed Credit Union
- Regions Bank
- Wells Fargo
Check Cashing Stores
- Check Into Cash
- Community Financial Services Center (CFSC)
- Friendly Check Cashing
- Money Mart
- Mr. Payroll
- PLS Check Cashing
- United Check Cashing
Although most banks and credit unions above don’t typically cash third-party checks, they may allow you to deposit third-party checks into your account. Depositing via a mobile app or an ATM increases your chances of being denied. To avoid this, it is advisable to make the deposit in person at the bank.
Who Will Cash a Third-Party Stimulus Check?
As long as the check is endorsed correctly, most banks, credit unions, and check-cashing stores will cash a third-party stimulus check. It’s similar to a third-party IRS refund check issued to a taxpayer who then signs it over a different person.
When in doubt, call the bank, credit union, or any other place where you wish to cash the check; inquire about the requirements for processing the transaction. Some institutions may require both parties to be present for in-person verifications with a valid photo ID. Many will require the verification or guarantee of the original payee.
Does Walmart Accept Third-Party Checks?
Walmart does not accept third-party checks at its Money Center department. Most grocery and convenience stores provide other types of check-cashing services for payroll and government. You will rarely find any store, including Walmart, that cashes third-party checks.
Can You Deposit Someone Else’s Check in your ATM Account?
You can deposit a third-party check in your ATM account. The same rules apply when depositing someone else’s check via an ATM. As long as the original payee has endorsed it to you by signing the back of the check, you can definitely deposit a third-party check at an ATM.
But chances of being denied are high when you deposit via a 24-hour ATM. It’s advisable to consider depositing the check in-person with a bank teller to increase the odds of being deposited.
Can I Deposit a Check With One Name in a Joint Account?
It depends on how the joint account was set up. Most of the time, joint accounts require the check to bear only one of the account owners’ signatures. In that case, you may be able to deposit a check with one name in a joint account.
But if the account is set up so that two signatures are required, it will have two signature lines, and both must be signed to make the deposit.
Can you Cash a Third-Party Stimulus Check?
You can cash a third-party stimulus check at any bank, credit union, check cashing stores, and any other financial institution that usually cashes third-party checks.
It’s typically a refund check issued to a taxpayer who then signs it over to another person. The check can be endorsed to another person, just like any other check to be cashed.
A financial institution will accept it because they know its valid and backed by the government. The check must be endorsed on the back with a signature and the name of the payee.
To endorse a third-party stimulus check, write “Pay to the order of” on the first line. Then, write the person’s name to whom the check is being endorsed, followed by your name as it appears in front of the check.
Are There Any Alternatives to Using a Third-party Check?
While sometimes third-party checks are the only way you can transfer funds from one person or establishment to another, they are not the most convenient option and might actually cause issues at the bank. Banks might outright refuse to serve you if the right parties are not present.
Thankfully, there are some alternatives that you can use instead of a third-party check. If you have a bank account, you can deposit the cash yourself in your account and then use a cashier’s check. You can also send money online, which is a much more convenient way of carrying out transactions. Most online transactions today are also free.
If you do not have a bank account, you can easily open one. Using a bank account saves you a lot of time, effort, and money. And you can usually get a free checking account. Another thing you can do is use a prepaid debit card that does not charge a high premium or transaction fee to send funds to third parties.
Where Can I Cash a Third-Party Check Summary
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.