What is surprising is that they don’t cash business checks, payroll checks, or even government checks (and obviously personal checks). BJ’S Wholesale Club and Sam’s Club do not cash checks either of any kind. The same holds true for their two wholesale club competitors. One of my favorite stores is Costco and it turns out that Costco does not cash checks. When you cash a check, you get the cash immediately. When you deposit a check, it can take a couple of days before the funds are available, depending on who the type of check and who issued it. Here are the ways you cash a check, from cheapest to most expensive:Įven if you have a bank account, you may need access to this cash immediately. What if you’re one of the many millions of people who are “unbanked” – without a bank account? The answer is trickier. If your bank doesn’t have an app, you take it to the branch and hand it to a teller or use the ATM. You open up the app and snap some photos. When you have a bank account and receive a check, it’s easy.
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