Not all checks are treated the same. Where you can cash a check, how fast you get your money, and what fees apply all depend on the type of check you have. This guide explains the most common types of checks and the best ways to cash each one safely and affordably.
Personal Checks
Personal checks are written by individuals from their checking accounts. They carry higher risk for cashing locations and are the most restricted type of check.
- Often not accepted by grocery stores or retailers
- May be cashed at banks (especially the issuing bank)
- Some check cashing stores accept them with higher fees
Learn more: Personal Check vs Certified Check vs Cashier’s Check
Payroll Checks
Payroll checks are issued by employers and are widely accepted due to their predictable payment source.
- Accepted by banks, check cashing stores, and many grocery chains
- Lower fees than personal checks
- Often eligible for instant cashing
Common retailers include Walmart, Kroger, and Safeway.
Related: How to Cash a Check Instantly
Government Checks
Government checks include Social Security, tax refunds, stimulus payments, and state benefits. These are among the easiest checks to cash.
- Accepted at banks, retailers, and check cashing stores
- Often lower fees or fee-free options
- Higher approval rates than personal checks
Many grocery stores and Walmart prioritize government checks.
Cashier’s Checks
Cashier’s checks are issued and guaranteed by a bank. They are considered secure but may still be subject to verification.
- Best cashed at the issuing bank
- Some check cashing stores accept them with limits
- Large amounts may trigger holds
Certified Checks
Certified checks are personal checks verified by the issuing bank to have sufficient funds.
- Accepted by many banks
- Limited acceptance at retailers
- Often require additional verification
Business Checks
Business checks are issued from company accounts and are commonly used for vendor payments and reimbursements.
- Accepted by banks and some check cashing stores
- Rarely accepted by grocery stores
- Higher fees than payroll or government checks
More details: Check Cashing for Business Owners
Foreign Checks
Foreign checks are issued by banks outside the United States and require international processing.
- Usually must be deposited at a bank
- Long clearing times (1–4 weeks)
- Higher processing and exchange fees
See: Foreign Check Cashing Guide
Mobile and Online Check Deposits
Many apps allow you to deposit certain checks remotely using your phone.
- Payroll and government checks most commonly accepted
- Personal checks accepted with limits
- Funds may be delayed or subject to holds
Helpful guides:
Tips for Cashing Any Type of Check
- Always bring valid government-issued photo ID
- Endorse the check only when instructed
- Call ahead to confirm acceptance and limits
- Compare fees before choosing a location
Bottom Line
The type of check you have determines where you can cash it, how fast you get your money, and how much you’ll pay in fees. Understanding these differences helps you avoid unnecessary delays, denials, and high costs.