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  Home >> Checks/Money Orders >> Checks You Received  
Check Made Out to Cash: What to do?

I was given a check made out to cash. Do I need to cash it at the payer's bank? What should I do with it?

Theoretically, a check payable to cash is payable to whoever holds it, so you could take the check to the bank on which it's drawn. They could be expected to require you to endorse the check (as evidence you received the funds), but that is theory. Banks are leery of checks payable to cash, so be prepared for the paying bank to be reluctant to cash it.

If the paying bank won't cash it, and you have an account of your own, you may have to deposit the check in your bank. That could mean a slight delay in getting the actual cash.

Published on 9/14/07