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Frequently Asked Questions about Your Exchange
Q. Do you cash insurance checks?
A. Yes, we generally just have to verify it was issued.
Q. Do you cash tax return checks?
A. Yes, once we verify it was issued.
Q. Can I write out a check to myself and cash it?
A. No, but we have an ATM available for your convenience.
Q. Do you cash money orders?
A. Yes. We may have to call the 800 number and verify with the issuer.
Q. Do you cash handwritten checks?
A. Yes, once we verify with the issuer.
Q. Do you have to call to verify every check I bring in?
A. No, we only have to verify on checks from companies we don’t recognize or on bigger checks. Once we verify a check once and get it into the system, we won’t have to call again.
Q. Can I cash a check without my Social Security number?
A. Unfortunately, we are required by the state to have your SSN on file in order to cash a check.
Q. Do I need a current government issued ID in order to cash a check?
A. No, we need any kind of photo ID, including expired licenses, work and school ID’s.
Q. Will you be able to cash my check if you can’t get a hold of anyone?
A. That would have to be decided on a case by case basis. We can also copy the check and contact you when we are able to cash it. In any case, we’ll do everything we can to try to cash it for you.
Q. Can I load a check on my Cashpass card rather than cashing it?
A. If you have a printed check, we would cash the check first, and then load the money onto your card.
Q. What do you need to cash a check?
A. Any State ID from which you reside and a Social Security number. We welcome you to stop in if you have ID problems and
we will try to work with you the best that we can.
Q. Do you cash personal checks?
A. Yes, WE DO - up to $200 (per 7 days)!
Q. What do you charge to cash a check?
A. Check Cashing Rates and Fees:
| Type of Check |
Rate |
Fee |
| Payroll & Government $0 - $29.99 |
0% |
$1.00 flat fee |
| Payroll & Government $30 - $59.99 |
0% |
$2.00 flat fee |
| Government $60 - $499.99 |
2% |
$.75 surcharge |
| Payroll $60 - $499.99 |
2.5% |
$.75 surcharge |
| Payroll & Government $500 - $999 |
2.5% |
$1.50 surcharge |
| Payroll & Government over $1000 |
3.0% |
$1.50 surcharge |
| Handwritten |
5.0% |
$.75 surcharge |
| Money Orders |
5.0% |
$.75 surcharge |
| Insurance |
4.0% |
$0.00 |
| Personal Checks |
10.0% |
$.75 surcharge |
Q. Do you cash signed over checks?
A. No, we don't except third party checks. But, we can work with the person who wrote the signed over check and provide them some options.
Visit our Check Cashing page for more details.
Q. Do you exchange foreign currency?
A. No, we don't, but the Minneapolis/St. Paul International Airport will. You can also check with your local bank.
Q. Can you cash a personal check from my own account?
A. Yes, please allow 5-10 minutes for approval because we use a thirdparty processor.
Q. What is the maximum amount you can cash a check for?
A. We cash checks up to $100,000. Please call ahead for sizeable checks.
Q. If I get paid on Friday and the check is dated for Monday, can I cash it?
A. Yes, we cash post-dated checks.
Q. If my name and my husbands name are both on the check, do we both need to be present to cash it?
A. Yes, whomever the check is made out to must be present in order to cash the check.
Q. Can you cash a check made out to my business, or can I write a check from my business account?
A. No, but please call our Spring Lake Park store for a financial solution.
Q. Can you cash a check I received from my credit card?
A. No, but cash advances, payday loans, payday advances are available.
Q. Can you cash a check from my home equity account?
A. No, but please call our Spring Lake Park store for a financial solution.
Q. If I have cashed a check at one of your locations, will I be in the computer for all Your Exchange locations?
A. Yes, Your Exchange is a fully networked corporation.
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