Common Check Cashing Questions

Check Cashing refers to just that, cashing your checks. Not every payment you receive will be direct deposited to your account, and not everyone even has a bank account. For this reason, check cashing is an important service to provide in our local communities, so that you can always get your money no matter the form it comes in.

Check cashing is generally a pretty easy process. All you have to do is visit your local check cashing store, fill out a quick customer information form, give them the check you want to cash, show them your photo ID, and they’ll cash the check for you. After just a few minutes you can walk out with cash in hand.

1. Walk into a convenient Check City Check Cashing Location
2. Fill out a quick customer information form
3. Walk out with your cash TODAY!

1. The check you want to cash
2. Your photo ID

Our fees are based on the type of check that is cashed. Our rates start as low as 1.99% for in-state payroll and government checks. That means for payroll and government checks it only cost about $2 per $100.

No, once we have verified the check we give you all your money right then.

No, as long as we can verify it, we can cash it.

• Payroll checks
• Cashier checks
• Counter checks
• Government checks
• Insurance drafts or checks
• Money orders
• Tax refund checks
• Personal checks
• Out-of-state checks

Yes! Check City Check Cashing cashes checks made payable to your business as well. So if you are a business owner seeking immediate cash for supplies, payroll, and payables, Check City Check Cashing is your go-to place.

Call 855-800-7543 to speak with one of our small business finance specialists.

Two people sign a check to make it work—the person making the payment and the person receiving it. The person writing the check signs the front and the person receiving the check signs the back. Signing the back is how the receiver of the check endorses it. The check receiver needs to endorse it as proof that they are indeed the person that is supposed to receive that money. It also shows that both the giving and receiving parties are in agreement about the transaction.

• The name signed on the back needs to match the written payee name on the front.
• On the back of the check there's an area that says “endorse here” with a line below it. Keep your signature inside the endorsement box and out of the area below that line.
• Only sign when you are ready to cash or deposit the check.
• If you deposit the check at home with your phone, don't sign it. After you’ve electronically deposited the check write the words “VOID” in big letters on the front.

Every once and awhile a check will be written to multiple parties. This often happens when writing checks as gifts to “the Johnson Family,” when you want to write a check to a pair of newlyweds, or anytime you need to write a check to multiple owners of the same thing.

When writing a check out to more than one person you need to be careful how you write the check.

• If you want everyone named on the check to sign than write “and” between their names.
• If you want either person to be able to endorse the check on their own than write “or” between their names.

So if you want to write a check out to the new Mr. and Mrs. Johnson, but you want either of them to be able to deposit the check, then you actually want to write “Mr. or Mrs. Johnson” on the “pay to the order of.”

Writing a check is like entering into a payment contract. Bad checks, or bounced checks happen when someone writes a check they don’t have the funds to pay for. Bad checks can cause a lot of confusion and hassle. It can affect your record with the bank, there are fees and charges involved on top of figuring out how to settle the matter. Sometimes the check can simply be deposited again later when the writer of the check does have enough money in their account. Other times, depending on the situation, a payment plan or legal action will be required. Ideally a bad check case can be resolved between the two parties just by talking to each other, but if not than legal action can be taken in civil court.

What happens

If you write someone a bad check, or you try and cash or deposit a bad check, then several things may occur.

1. Both the writer and the receiver of the check will be notified by the bank, credit union, or check cashing store that the check bounced.
2. Both parties will be charged returned check fees of up to $35 and the bad check will be returned in the mail
3. The payment and fees will need to be taken care of by both parties so that the matter can be resolved.

What You Should Do

1. As soon as you’ve been notified that the check bounced you should reach out to each other.
2. Ideally both parties will than resolve the issue amongst themselves. Sometimes this may include an installment plan so that the check writer can pay back what they owe in more doable increments. Other times the check can be redeposited at a different time when the funds are available.
3. If the writer of the check is unwilling to make good on their payment than you can take legal action against them in small claims court. Usually this only occurs after you have spoken to them face to face and sent them a formal demand letter.

If you need to void a check don’t panic! It’s really easy to do. A voided check is simply a check with the word “VOID” written across the front. Writing “VOID” on a check means that the check can’t be deposited or cashed.

1. Write void across the front of the check in big letters.
2. Cover most of the check with the word “VOID” but do not write over the numbers at the bottom of the check. These numbers link the check to your bank account and are necessary for establishing the electronic link.
3. Use a writing utensil that can’t be erased, like marker or ink pens.
4. Keep a record of the voided check so you remember what happened later on when you go to balance your checkbook.

Why would I need a voided check?

You might need to use a void check to set up an electronic link to your bank account. Most likely you’ll need to set up this link to get your paychecks through direct deposit, or to set up a recurring payment like bills.

Your checks all have your bank information on them—the name of your bank or credit union and your account and routing number. By giving a voided check, you give the person establishing the link the bank account information they need. But because the check is void, they won’t be able to use the check to take money from your account.

Many people don’t know what to do if they have a check but don’t have a bank account to deposit it. But, there are actually a lot of places you can go to cash a check without using a bank.

If you don’t have a bank you can go to, you can cash your checks at a Check Cashing Store like Check City Check Cashing, where cashing checks is one of their primary services.