How to Cash a Certified Check at a Check Cashing Place

Certified checks are guaranteed forms of payment that can be cashed at banks and check cashing businesses.

A certified check is an official check issued by a banking institution. This type of check varies from personal account checks, as the certified check is written directly from the bank to a receiver and its funds are guaranteed by the bank. Cashing a certified check can be done at bank locations; however, if you are unable to locate a bank, check cashing services are able to cash this check.

Things You'll Need

• Certified check
• Proof of identification

Instructions

1. Locate a check cashing business in your area.

2. Contact a check cashing business and inquire if it cashes certified checks. Take note, not every check cashing company will be able to cash this type of check. Inquire about the fees to cash the check.

3. Endorse the back of the check, and visit the cash checking business. Bring at least two forms of identification, such as your driver's license and Social Security card or passport. Be prepared to fill out paperwork and provide the company with your fingerprints.

4. Agree to the terms of service for the business to cash the check, fill out necessary paperwork and then walk out with your cash.

Tips & Warnings

• Endorse the back of a certified check the moment you receive it to ensure no one else can cash the check.

• Never try to cash a certified check if you are not the payee written on the check. Trying to do so is a federal offense.

References

• Business Dictionary: Certified Check

Resources

• Depot Check Cashing