Where to Cash Out-of-State Checks: Top Options & Tips

A Comprehensive Guide to Places That Cash Out-of-State Checks.

Managing finances often involves transactions beyond local borders in today’s fast-paced world. Whether traveling, relocating, or receiving payments from out-of-state sources, the need to cash out-of-state checks may arise. However, finding convenient and reliable options for this service can be challenging. In this article, we’ll explore various places to cash out-of-state checks, ensuring you have the information you need for hassle-free transactions.

Understanding Out-of-State Check Cashing

Cashing out-of-state checks involves depositing or cashing a check issued by an entity outside the state where the transaction occurs. Banks and financial institutions may apply different policies and fees to process these checks, primarily due to the added risk of verifying out-of-state funds.

Places to Cash Out-of-State Checks:

  1. Banks:
    • National Banks: Many national banks, such as Chase, Bank of America, and Wells Fargo, offer services to cash out-of-state checks. Customers with active accounts may have access to this service, although certain fees and holds may apply.
    • Local Banks: Local and regional banks may also provide check-cashing services for out-of-state checks. Before visiting, it’s advisable to inquire about their policies and any applicable fees.
  2. Check-Cashing Stores:
    • Check-cashing stores are widespread and often offer services for various checks, including out-of-state ones. Popular chains like ACE Cash Express and Check Into Cash may accommodate your needs, though they typically charge fees based on the check amount.
  3. Retail Stores:
    • Some retail chains, like Walmart and Kroger, offer check-cashing services, including out-of-state checks. While these stores may provide convenient options, be aware of potential fees and limits on check amounts.
  4. Money Transfer Services:
    • Money transfer services like Western Union and MoneyGram may facilitate the cashing of out-of-state checks. These services often require you to endorse the check and present valid identification for processing.
  5. Mobile Banking Apps:
    • Several mobile banking apps, such as PayPal, Venmo, and Cash App, allow users to deposit checks remotely, including out-of-state checks. However, eligibility requirements and processing times may vary.

Tips for Cashing Out-of-State Checks

  • Verify Identification: To comply with anti-fraud measures, ensure you have valid identification, such as a driver’s license or passport, when cashing out-of-state checks.
  • Inquire About Fees: Before cashing your check, inquire about any associated fees, holds, or limits imposed by the service provider.
  • Consider Alternatives: Consider alternative methods for accessing funds, such as mobile or direct deposits, depending on your location and circumstances.


Cashing out-of-state checks doesn’t have to be a daunting task with the right information and resources. By exploring the abovementioned options and understanding their policies, you can effectively manage your finances and access funds from checks issued outside your residence. Remember to prioritize convenience, security, and transparency when selecting a service provider for your check-cashing needs.