Confirm the check is payable to you and is signed
Check the check amount and date are valid
Verify your ID and have it ready
Choose a cashing method (bank teller, ATM deposit with withdrawal, check-cashing store, mobile deposit)
If using a bank or credit union:
Endorse the check on the back (as required by your bank)
Present the check and your ID to a teller, or deposit via ATM/mobile as allowed
If using a check-cashing store:
Bring the check and a valid photo ID
Endorse the check if required
Pay any required fees and follow their verification steps
If using mobile deposit:
Deposit through your bank’s app
Endorse the check as required
Take clear photos of the front and back
Submit and wait for approval before withdrawing funds (if offered)
Use an ATM only if your bank allows cash withdrawal from check deposits
Ensure there are no holds or limits that delay availability of funds
Keep the check copy/receipt and track the transaction
If the check is for multiple people, ensure endorsements match the payee instructions (e.g., “or” vs “and”)