Check Cashing

Moneytree Check Cashing Policy (Fees, Limits, & more)

Moneytree lets you cash most types of checks including personal, payroll, government, two-party checks, and money orders.

The company charges a flat fee of $1 to $2, or a percentage of the check amount (between 2% and 6%).

This makes Moneytree a convenient option if you need to cash a check quickly.

However, you may want to compare rates with other check cashing services before deciding which is the best option for you.

If you have a large check, it may be worth looking into services that offer check cashing at a lower cost.

It’s important to remember that fees for cashing checks vary by location, so it’s a good idea to check with your local Moneytree branch before you go.

And also, be sure to ask about any other potential fees, such as for money orders or other types of checks.

Note that not all Moneytree locations offer all services, so be sure to call ahead if you need a specific type of check cashed.

Moneytree Check Cashing Policy

As per Moneytree’s check cashing policy, the company charges a fee that ranges between 2% and 7% of the total check amount.

The specific fee for each type of check may vary by location, but it generally falls within or close to these ranges.

If you cash a check with a value of $20 or more, the company may charge a flat fee of $1 to $2. This fee varies depending on the location you visit.

For example, the Riverside Moneytree branch in Los Angeles, California, levies an additional charge of $1.99 on $20 & above checks. On the other hand, in Nevada, the fee for the same is just $0.99.


Personal checks can be cashed for a fee that is usually around 5% to 7% of the check amount.

For payroll checks, the fee is typically 2% to 4%, and for government checks, it is about 2%.

Money orders can also be cashed at most locations, with fees generally ranging from 5% to 7%, although Moneytree money orders have a lower fee of 1%.

This fee structure is subject to change, so it is best to check with your local Moneytree branch for the most accurate information.

However, the flat fee for cashing a check at most Moneytree locations is $1 to $2 for checks with a value of $20 or more.

Types of checks

You can cash these checks at Moneytree –

  • Personal Checks
  • Payroll Checks
  • Insurance Drafts
  • Government Checks
  • Tax Refund Checks
  • Stimulus Checks
  • Settlement Checks
  • Cashier’s Checks
  • Two-party Checks
  • Business Checks
  • Money Orders

These are the check types that can be cashed at Moneytree branches located in the 5 states it serves. As of now, Moneytree is available in Nevada, California, Washington, Colorado, and Idaho.

So, if you are not living in one of these states, you should look for an alternate place to cash your check. This is the list of 24 places where you can cash different types of checks.

In its check-cashing policy, Moneytree hasn’t mentioned whether it cashes third-party checks or not. However, it stated that other types of checks can be cashed at a rate of 5.99%.

So, if the Moneytree branch near you lets you cash a 3rd-party check, you will have to pay a fee of 5.99% of the total check amount.

For example, if the cashing amount is $1,000, then Moneytree will charge a fee of $59.90.


Moneytree doesn’t have a limit on check cashing. So, there’s no maximum dollar amount you can cash with a check.

Even if it’s a very large check ($5,000 or $10,000), you can cash it at Moneytree. However, it highly depends on your local branch.

However, the time taken to credit the check amount varies on the type of check submitted, check amount, and also location.

It also depends on the type of method you choose to cash your check.

Check Cashing Process

In order to cash a check at Moneytree –

  1. Go to
  2. Enter the ZIP code of your area
  3. Pick a Moneytree branch
  4. Click on the View Details option
  5. Check out the fees charged & timings
  6. Visit the Moneytree branch
  7. Endorse the check at the counter
  8. Submit your check
  9. Complete the verification process
  10. Choose a cashing method
  11. The amount will be credited

With Moneytree, you can either choose to take cash or get the check amount credited into your bank account or prepaid debit card.

Ask the Moneytree representative to deposit the check amount into your debit card as it is a fast & easy method.

All you have to do is simply provide your debit card to complete the check cashing process!!

Note: The check must be signed only at the counter. Already signed checks may get rejected

Verification Process

The verification process at Moneytree is simple, and in most cases, you will only be asked to provide a government-issued photo ID card.

This means that you can get your check cashed right away. Unlike banks, Moneytree clears your check right away and credits the amount.

This makes it a convenient option if you need to access your money quickly.

You can also use their Instant Funding option to have the funds deposited directly into your debit card account.


The check cashing hours of Moneytree are 10 AM to 7 PM.

Generally, most Moneytree branches open at 10 in the morning and close at 7 in the evening.

During these business hours, you can step in and cash your checks.

However, the timings vary from location to location and it also depends on the day you visit.

During the weekend, Moneytree operates between 10 AM and 5 PM on Sunday & on Saturday, the opening time is 10 AM whereas the closing time is 6 PM.

But again, different branches have different timings. So, please use the branch locator to get to know the exact working hours.

Personal Checks

Cashing a personal check at a Moneytree branch typically costs between 5% and 7% of the check amount, with a minimum fee of $1 to $2 for checks worth $20 or more.

For example, in California, Moneytree charges 6.99% on personal checks. So, if you cash a $500 personal check, you end up paying a fee of $34.95.

In order to cash a personal check, you must provide a government-issued ID for verification and the check must be unsigned.

When cashing a personal check at a Moneytree branch, you’ll need to endorse the check by signing your name on the back.

This signature serves as your confirmation that you’re authorizing the check-cashing transaction.

Please note that you should not endorse the check until you’re at the counter and ready to have it cashed.

This helps to ensure that the funds are transferred securely and to the right person.

Moneytree fees may vary by location. So, if you’re looking to cash a personal check and want to know exactly how much it will cost, it’s best to call your local branch and inquire about the specific fees they charge.

Finding a Moneytree branch near you is very simple. Open your browser and check out the official branch finder of Moneytree at

Payroll Checks

You can cash payroll checks at Moneytree, but the fees vary by location. Typically, you’ll pay between 2% and 4% of the check amount.

A government-issued ID like a driver’s license or passport is required.

Handwritten payroll checks can also be cashed at Moneytree, but the fees may vary depending on the location. You’ll likely pay a percentage of the check amount or a flat rate.

For example, in Seattle, Washington, a Moneytree branch charges 3.99% on payroll checks. In that case, if you try to cash a payroll check worth $2,000, then, you need to pay $79.80 in fees.

Again, the fees can be higher or lower depending on the location.

Stimulus Checks

You can cash your EIP stimulus check at Moneytree.

According to Moneytree’s check cashing policy, they never place a “hold” on your funds and have a quick verification & approval process.

Simply, opt for their Instant Funding option to get your money deposited directly into your debit card account.

Moneytree also offers a competitive rate for cashing Stimulus checks. However, you should contact your local branch for more information.

Expect a fee of around 4% of the total dollar amount.

Cashier’s Checks

Moneytree cashes cashier’s checks at all its branches in the United States.

You need to pay a check cashing fee that ranges between 5% and 7%. At most locations, the rate will be 6.99% of the check amount.

Money Orders

Moneytree do money orders at all its locations.

Cashing a money order at Moneytree costs you anywhere between 5% and 7% of the total value.

You can also buy money orders at a flat rate of $3 per money order (up to $1,000). They are free if you perform a check-cashing transaction.

Moneytree Money Orders can be cashed at a flat fee of just 1%.