Check Cashing

 


ATTENTION: ChexTop ABSOLUTELY CANNOT CASH A CHECK THAT IS ALREADY SIGNED/ENDORSED ON THE BACK.

We cash most checks including Payroll, Local & Federal Government, Refund, Refund Anticipation Loan, and Insurance Checks. If we can verify it, we will cash it! Our Cash Advance service lets you cash a post-dated personal check with us today, and we will hold it until a later date! Click here to find out more about our Cash Advance service.

IMPORTANT: PLEASE READ

ChexTop (and most of our competitors) will not cash pre-endorsed checks (signed on the back). Be sure NOT to sign any check until our teller asks you to. We want to make sure that we can cash your check BEFORE we have you sign it. It is yet another way that we look out for our customers (Some places will ask you to sign the check before they verify it. We have a two word reply to that suggestion…BAD IDEA!).


New Customers

The first time you come in to cash a check it may take extra time, depending on whether we have ever cashed a check from that maker (issuer) before. Be advised that we do verify every check the first time that it is presented for cashing.  In many cases, we will only have to do this the first time, but there are situations and check types which we have to verify on each visit.

For more detailed info. please scroll down to our Frequently Asked Questions (FAQ) section, or call us @ 877-958-CASH. You may also simply use our Live Chat feature!

ATTENTION: ChexTop ABSOLUTELY CANNOT CASH A CHECK THAT IS ALREADY SIGNED/ENDORSED ON THE BACK.

FAQ
ATTENTION: ChexTop ABSOLUTELY CANNOT CASH A CHECK THAT IS ALREADY SIGNED/ENDORSED ON THE BACK. 

Q: What do I need to bring to be able to cash a check?

A: In most cases all you need is the check, and a valid ID. We also recommend bringing any documentation that came with the check. If you’re not sure, try calling ahead (or using Live Chat!) to ask about the particular check you are trying to cash.

Q: What are the rates to cash a check?

A: Our rates are based on the inherent risk of the check you are presenting to be cashed. Rates start as low as 1% (that’s $1.00 on $100.00!) for an established customer/maker, and goes as high as 4% for an Insurance check.

Q: How long does it take to set up an acct?

A: Chextop prides itself on providing fast, friendly service, and we can usually get you out of our store with cash in your hand in 10 minutes (depending on the line in front of you)!

Q: What if I already signed the back of my check?

A: ChexTop (and most of our competitors) will not cash pre-endorsed checks (signed on the back). Be sure NOT to sign any check until our teller asks you to. We want to make sure that we can cash your check BEFORE we have you sign it. It is yet another way that we look out for our customers (Some places will ask you to sign the check before they verify it. We have a two word reply for that suggestion…BAD IDEA!).


Forms 

Signature Card