Traditional check cashing stores are not the only way to access money from a check. In many cases, there are faster, cheaper, and more convenient alternatives that allow you to avoid high fees while still getting your funds quickly.
This guide covers the best alternatives to check cashing, including banks, retailers, mobile apps, and prepaid cards, so you can choose the option that fits your situation.
Why Look for Alternatives to Check Cashing?
While check cashing services offer speed and convenience, they often charge percentage-based fees that can add up quickly. Exploring alternatives can help you:
- Pay lower or no fees
- Access funds faster through digital deposits
- Avoid repeated check cashing costs
- Build better long-term money access options
1. Banks and Credit Unions
If you have a bank or credit union account, this is often the lowest-cost alternative. Many banks cash checks for account holders at no charge and allow mobile deposits from your phone.
Some banks will also cash checks for non-customers for a small fee. Learn more in our guide on whether banks cash checks for non-customers.
2. Retailers and Grocery Stores
Large retailers and grocery stores often cash payroll and government checks for flat fees, making them a popular alternative to check cashing stores.
Retailers usually offer predictable fees and higher acceptance rates for common check types.
3. Mobile Check Cashing Apps
Mobile check cashing apps allow you to deposit checks using your phone without visiting a physical location. Many apps offer free standard deposits and optional instant access for a fee.
Popular options include:
See our full guide to mobile check cashing apps for comparisons, limits, and fees.
4. Prepaid Debit Cards
Prepaid debit cards can be loaded with check funds using mobile deposit features. These cards allow you to spend, withdraw cash, or pay bills without a traditional bank account.
This option is especially useful for people who want to avoid check cashing stores while still maintaining easy access to their money.
5. Employer and Issuer Options
In some cases, the check issuer can help you avoid check cashing entirely.
- Ask employers about direct deposit or pay cards
- Request electronic payments instead of paper checks
- Visit the issuing bank to cash the check directly
Which Alternative Is Best for You?
The best alternative depends on your needs:
- Lowest cost: Bank or credit union
- Fast in-person access: Retailers
- Remote convenience: Mobile apps
- No bank account: Prepaid debit cards
If you are completely unbanked, see check cashing options for unbanked individuals.
How to Avoid High Fees
- Compare flat fees vs percentage fees
- Avoid instant access unless necessary
- Use free mobile deposits when available
- Cash checks at the issuing bank when possible
More strategies are covered in how to avoid check cashing fees.
Bottom Line
Check cashing stores are not your only option. Banks, retailers, mobile apps, and prepaid cards provide practical alternatives that can help you access your money faster and keep more of it. By understanding your options, you can choose the method that best fits your financial situation.