How to Cash a Check and Get Your Money Today
Do you have a check to cash and need the funds right away? Then you might be wondering what the process looks like.
One thing to remember is that there are a lot of different types of checks that you can cash. Some of the most common types are–
- Personal checks: Personal checks come from your bank, credit union, or financial institution. They are signed by you, and the funds come from your personal checking account. A personal check includes the amount of money to be withdrawn, the checking account number, the routing number, and the payee’s name.
- Cashiers checks: A cashier’s check is also known as an official bank check. It’s issued by a bank or credit union to a third party. A cashier’s check is only issued when the third party, typically the bank customer, pays the face value of the check to the bank or credit union.
- Payroll checks: These are given to employees by their employers, normally biweekly.
In the end, these three types are just the tip of the iceberg, and there are many different types of checks you can cash.
How to Cash a Check Without a Bank Account?
One misconception many people have is that you need a bank account to cash a check. However, this is false. There are many ways you can cash a check without one.
One way to do so is to cash your check at a local retailer or credit bureau. This way, you can get the money you need and only pay a small fee.
Another way to get the money today is to load the funds from the check onto a prepaid card such as a Netspend card. With a prepaid card, you can only spend up to the amount you already preloaded onto it. This is a route that many people go if they don’t have a bank account.
Lastly, you can have someone else cash the check for you. To do so, just endorse the check as usual, and write “pay to the order of” right below your signature. This way, the bank knows that you are giving permission to that person to cash the check. When doing this, make sure that the person you are asking is trustworthy and will give you the cash back.
How Long Does it Take to Get Money After Cashing a Check?
The time it takes to get your money after cashing the check can vary due to some different circumstances. The place you are cashing the check has to verify it before they can go forward with the process of getting you your money.
How Large of a Check Can You Cash?
Again, the amount you can cash depends on other factors, such as where you cash it. For example, some places might have a limit of $5,000, whereas others might be $10,000.
How to Cash a Check with Advance Financial?
If you are looking for a quick and easy way to cash your check, check out your local Advance Financial. There are 106 store locations that are spread across the state of Tennessee, from Millington to Bristol. All you need is a valid ID and your check or checks.
Also, if you need a little extra cash, you can always apply for a line of credit with Advance Financial. Apply online or in one of our stores for funds up to $4000. This is a revolving form of credit, so it’s available whenever needed. Come in today and experience our world-class customer service while getting the cash you need today.*
Bank Participation Required*