Western Union Check Cashing Policy Guide

FT Contributor  | 

Western Union is a business that specializes in transferring and receiving money globally. The organization has over 500,000 stand-alone locations and kiosks in local retail stores to assist customers in sending or receiving funds. Using the Western Union money transfer service, you can send money directly to a participating bank account or to a location for cash pickup.

Does Western Union Cash Checks?

Knowing where you can cash a check is important, especially if you need to cash your check outside of regular banking hours, you need the money fast, or you don’t have a bank account. Since Western Union is in the business of transferring money, many people wonder “Does Western Union cash checks?” The organization does not cash checks, but is partnered with the “Check Into Cash” program. The Check Into Cash program is offered at many Western Union kiosks, which are usually located in convenience and grocery stores or at stand-alone facilities.

What Types of Checks Will Western Union Cash?

The Western Union check cashing program, Check Into Cash, has a broad range of checks it accepts for cashing, including:

  • Tax refund checks.
  • Financial loan checks.
  • Money orders.
  • Government checks.
  • Cashier’s checks.
  • Handwritten or printed payroll checks.
  • Insurance checks or drafts.
  • Two-party checks.

Single-party checks are not accepted. The specific limitations on checks, including how old the check can be and it’s amount, may vary by state. Contact your local Check Into Cash kiosk to verify relevant limitations for your location.

How Much Does Western Union Charge to Cash a Check?

If you’re interested in using a Check Into Cash kiosk, you may wonder, “How much does Western Union charge to cash a check?” The fees you’re responsible for paying can vary, depending on your state and the amount of the check. In most cases, your fees will not total more than 5% of the total amount you’re cashing. You may also be required to obtain a preferred check-cashing card, which requires you to pay a one-time $2 enrollment card fee.

Western Union Money Services Hours

Since you’re not dealing directly with Western Union check cashing, the service hours may vary. Most Check Into Cash kiosks can be found in local convenience or grocery stores. The kiosk hours are usually the same as the retail space, so it’s important to check these operating hours before visiting.

Western Union Check Cashing Near You

You can usually find Western Union check cashing kiosks inside local retail stores. Use the Check Into Cash locator tool to find a participating kiosk near you and to review its available services and operating hours.

How to Cash a Check at Western Union

Knowing how to cash a check, including the items you’ll need to bring, is important so you can complete the task in one trip. First, gather the items you’ll need to present when cashing your check, which include:

  • Valid identification, such as a driver’s license or U.S. passport.
  • Your eligible check.
  • Your Social Security Number or Taxpayer Identification Number.

Find a kiosk in your area and visit it during operating hours. Present the check and your identification to the representative. You will also be asked to provide your name, address, and date of birth so your Check Into Cash account can be created. Choose whether you’d like cash, a prepaid card, or both. Obtain your cash or card from the representative on the spot.


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This post was updated November 7, 2019. It was originally published November 7, 2019.