Check Cashing Frequently Asked Questions

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.

Large Checks

Q. Do you cash large checks?
A. Yes.

Q. What is the maximum amount you can cash?
A. We do not have a limit.

Q. Do you cash settlement checks?
A. Yes, we also have a settlement advance program.

Q. Do you cash insurance checks?
A. Yes.

Q. Do you cash financial aid checks?
A. Yes.

Q. Do you cash checks over $5,000?
A. Yes, there is not limit.

Q. Do you cash tax refund checks?
A. Yes.

Q. Do you cash renter rebate checks?
A. Yes.

Q. Do you cash commission checks?
A. Yes.

Q. Do you hold my check?
A. No, we cash checks the same day.

Q. What if I don't want all cash?
A. We have pre-paid debit cards you can load money on or you can buy money orders to use for bills or bring back later.

Q. Do you cash retirement checks?
A. Yes.

Q. Do you cash Geico insurance checks?
A. Yes, we cash all insurance checks.

Q. Do you cash H&R Block checks?
A. Yes, we cash all tax refund checks.

Q. What do I need to cash a large check?
A. Any supporting documents would be helpful but not required. Also a phone number to the person you directly work with is helpful.

Q. Do I need extra identification for a large check?
A. No, just one picture id is required.

Q. Do you cash Charles Schwab Trust checks?
A. Yes.

Q. Do you cash Gallagher Basset checks?
A. Yes.

Q. Do you cash the Hartford checks?
A. Yes.

Q. Do you cash JP Morgan checks?
A. Yes.

Q. If I have a large check that is made out to multiple people do both people need to be present?
A. Yes, both people need to be present to cash the check and also both need a picture ID.

Q. What is the fee to cash a large check?
A. It depends on how large and the company the check is from.

Q. Do you have to call before cashing the check?
A. We do have to verify with the company and possibly the bank before the cash can be given out.

Q. Do I have to wait while you verify the check?
A. No, we can call you once everything is set and ready to go.

Q. Do you count out the money in front of other customers?
A. If you would like the money counted out in private we can make those accommodations available.

Q. Where can I cash a big check?
A. At Your Exchange! We're experienced with checks of all sizes. We'll get you on your way fast!

Q. What is the biggest check you can cash?
A. At Your Exchange we don't really have a maximum. If you would like to know if we would be able to cash a specific check, feel free to call one of our stores and ask any of our friendly tellers.

Q. How much do you charge for large checks?
A. Payroll or government checks over $1,000.00 are 3%. If it's a disbursement, insurance, or handwritten check, the fee could vary.

Q. Can I get all cash back?
A. Generally, yes. But we can also pay your bills, print money orders, and load Cashpass prepaid debit cards.

Q. How long does it take to cash a large check?
A. Generally we have to verify large checks, which can delay things somewhat. But usually we can get you in and out within fifteen minutes!

Q. I got a large check in the mail but I don't know if it's good. Should I bring it in?
A. If you're unsure about the validity of a check you can always bring it in so we can take a look at it. Just make sure you let us know your reservations when you bring it in to avoid any liability issues.

Q. Do you have to call and verify all large checks?
A. Generally yes, but it does ultimately depend on the check. At Your Exchange check cashing is our specialty, so we have familiarity with the checks of many larger companies, which helps to speed things along and get your check cashed!

Q. Do I need to bring anything in with the check?
A. If you have any supporting documentation (i.e. check stub, award letter, etc.), bring it in. The more information we have, the easier and faster it is to get the check verified and cash in your hand.

Q. Do you cash large personal checks?
A. We can, but they are require additional verification. Also, personal checks are charged at a higher rate.

Q. Can you cash large post-dated checks?
A. Yes! At Your Exchange we don't have to wait for the check date to get cash in your hand!

Q. Can I cash only a portion of the check?
A. Unfortunately, no. We can only cash the total amount of any check.

Q. I have a big check but don't want to walk around with that much cash. What can I do?
A. At Your Exchange we can print off money orders in any amount (up to $1000.00), as well as load money onto our Cashpass prepaid MasterCard. Cashpass allows up to $10,000.00 loaded in a 24 hour period. We also pay bills, wire money, and sell prepaid phone time!

Q. Can I cash a check made out to me and my spouse?
A. Unfortunately if a check is payable to two people, they both will have to be present when cashing. Even with a signature, both payees must be present.

Q. Can I cash a check made out to me and my auto shop?
A. If a check is payable to you and a company, the check will have to be stamped and endorsed by the company it's payable to before we're able to cash it.

Q. Can you cash large handwritten insurance checks?
A. Yes! If your insurance agent writes out a check for you, we can cash it at Your Exchange. Just bring your agent's phone number so that we can quickly verify it, and you can walk out the door with cash!

Q. Do I need to call ahead if I have a big check?
A. Not necessarily, but a call would be beneficial if you have a check for tens of thousands of dollars.

Q. Where is the fastest place to cash a big check?
A. Here at Your Exchange! We'll get cash in your hands in a matter of minutes!

Q. Where is the cheapest place to cash a big check?
A. Here at Your Exchange! We'll cash your check for a fraction of the fees at UNBank.

Q. Can I drop off a check for verification and pick up the money later?
A. Yes. If you're pressed for time you can let us take a copy of the check and work on verifying it. Once we're finished we'll call you and you can bring the check back in whenever you're able to.

Q. Can you load cash onto a prepaid card that I already own?
A. Yes. We offer the Cashpass prepaid MasterCard here at Your Exchange, but we're able to load many prepaid cards through Western Union. If you can load your card through Western Union, we'll be able to load it.

Q. Where can I cash my student loan check?
A. Here at Your Exchange! We'll get cash in your hands in a matter of minutes!

Q. Where can I cash my settlement check?
A. Here at Your Exchange! We'll get cash in your hands in a matter of minutes!

Q. Where can I cash my insurance check?
A. Here at Your Exchange! We'll get cash in your hands in a matter of minutes!

Q. Where's the best place to cash a big check?
A. Here at Your Exchange! We'll get cash in your hands in a matter of minutes!

Q. Where can I cash my tax refund?
A. Here at Your Exchange! We'll get cash in your hands in matter of minutes!