Here are different places where you can change personal checks when banks are closed:
ATMs
Most banks have ATMs operating after hours or 24 hours where you can change your check. But it is good to understand the process of changing or cashing a check at an ATM so that you don’t find yourself with more problems and not funds. If you know that you are not familiar with ATMs, it is advisable to ask someone who knows to go with you.
Take note of the following when you plan to change a check at an ATM:
Not all ATMs allow a deposit option, and with such an ATM, you won’t be able to change your check. Some ATMs no longer take an envelope but have a designated slot to insert your check for a deposit. For an ATM that requires an envelope for a check deposit, the funds won’t be available immediately after the deposit has been made. It can take the whole business day, which excludes the weekend and holidays, or a few days for the funds to be available. Be careful of that if you need the funds immediately. For an ATM that does not allow an envelope for a check deposit, the funds will be available immediately after the deposit has been made, and you can withdraw the funds.
Note: It is advisable to prepare before time because you never know when you’ll need to change your check when banks are closed. You can do this by making sure that there is an ATM near you, which will allow you to change your check, or you will have to travel to the nearest shopping complex or mall for an ATM adding extra fee for transport.
Check Cashing Stores
Check-cashing stores are another option to change your cash personal checks when banks are closed. These stores are open until late or 24 hours. But bear in mind that you will be charged a certain fee. It is good to check these fees first and see if they won’t cause you to have a shortage of funds after changing your check. Most of them charge a percentage based on the value of the check instead of charging a flat rate. Other check-cashing stores would want you to join them and be their member before they can help you change your check.
Cash advance and payday loan shops
These shops are an alternative for changing your check when banks are closed. But be warned that as much as they will be available when you need their help, you will be charged a certain fee that is important to check before changing your check.
Supermarkets or Grocery Stores
There are supermarkets and grocery stores available to help you change your check when banks are closed. Most of them operate 24 hours, but you need to check what kind of checks they accept as some don’t accept handwritten checks, and also the maximum amount they will accept. Supermarkets and grocery stores charge less fees compared to check-cashing stores, cash advance, and payday loan shops.
Essential points to check before changing your check at the above mentioned places:
Make sure the check is legit (not stolen or fake) so that you don’t get in trouble with the law. How much fees will you be charged extra to change your check?Will it be available immediately or after a few days?Which documents will be required to change your check? (Often, the ID, driver’s license, or passport are required. )
Note: If possible, call ahead so that you prepare before you go or ask those who can help you with this information.
Conclusion
To avoid disappointments, and stress, find out if there are ATMs and check-cashing stores around you or where you can get them when you need to change your check when banks are closed. Check if the supermarkets or grocery stores where you stay will allow you to change your check, or you will have to travel to the ones in your nearest area, with an added fee for transport. In all that you will do when you want to change your check when the banks are closed, be careful and make sure you understand all that is needed before changing your check.
