You can cash a Fidelity check at your bank, credit union, or most retail locations that offer check-cashing services

A check drawn on your Fidelity account works like any other check — you can take it to your bank, your credit union, a check-cashing store, or some retail chains like Walmart or Target. The place cashing it will verify the check is legitimate and that funds are available, then give you the money. There is no special process for Fidelity checks; the issuer does not matter to the person or business cashing it.

The main difference is speed and cost. Your own bank or credit union will usually cash it free and deposit it fastest. A check-cashing store will cash it the same day but may charge a fee — typically a percentage of the check amount or a flat dollar amount. Retail locations vary in what they charge and how long the process takes.

Key Takeaways

  • Your bank or credit union will cash a Fidelity check for free, usually within one business day.
  • Check-cashing stores and retail locations will cash it the same day but may charge a fee ranging from a few dollars to a percentage of the amount.
  • You will need to show a valid photo ID when you cash the check, regardless of where you go.
  • If you want the money in your account instead of cash, you can deposit the check at an ATM, through mobile deposit, or in person at your bank.

Cashing at your bank or credit union

This is the fastest and cheapest option. Walk into any branch of your bank or credit union with the check and a valid photo ID. The teller will verify the check and hand you cash on the spot, usually within minutes. If you have an account there, the process is even simpler — they already know you.

If you do not have a bank account or do not want to use your bank, you can still cash it at most credit unions. Many credit unions will cash checks for non-members, though some charge a small fee. Call ahead to confirm their policy.

Check-cashing stores and services

Check-cashing businesses will cash your Fidelity check the same day, even outside normal banking hours. You bring the check and a valid photo ID, and they verify the funds and hand you cash. The fee is usually between $5 and $15 for a personal check, though some charge a percentage of the check amount instead — typically 1 to 3 percent.

These stores are useful if you need cash outside bank hours or do not have a bank account. However, the fee adds up if you cash checks regularly. Look for a location near you by searching "check cashing near me" online, or ask at your local grocery store — many have check-cashing services built in.

Retail locations that cash checks

Walmart, Target, and some grocery chains will cash personal checks, including those from Fidelity. Fees vary by store but are often lower than dedicated check-cashing businesses — sometimes $3 to $6 for a personal check. You will need a valid photo ID and may need to be a customer (some stores require a recent receipt).

Call the store ahead of time to confirm they cash checks and what their fee is. Hours and policies vary by location, and some stores have stopped offering this service.

Mobile deposit and ATM deposit

If you want the money in your bank account instead of cash, you can skip the cashing step entirely. Most banks let you deposit checks through their mobile app — you photograph the front and back of the check, and it deposits within one or two business days. Many banks also have ATMs that accept check deposits.

This is the easiest option if you do not need the cash immediately and already have a bank account. There is no fee, and you avoid the trip to a teller or check-cashing store.

What to bring when you cash the check

You will need a valid photo ID — a driver's license, passport, state ID card, or military ID. Some places may ask for a second form of ID or your phone number. Bring the check itself, unsigned until you are at the location cashing it (most places require you to sign it in front of them).

If you are cashing a large check, the business may ask for additional information or file a report with the federal government — this is normal and does not mean anything is wrong. Be prepared to answer questions about why you are cashing the check.

Frequently Asked Questions

Can I cash a Fidelity check at a bank where I do not have an account?

Most banks will not cash checks for non-customers, though some will for a fee. Your best option is a check-cashing store, credit union, or retail location. Call ahead to confirm the fee and whether they will cash it.

How long does it take to cash a Fidelity check?

At your own bank or credit union, usually a few minutes. At a check-cashing store or retail location, typically the same day. If you deposit it through mobile deposit or an ATM, it takes one to two business days to appear in your account.

What if the check is made out to someone else?

Most places will not cash a check made out to another person. If the check is made out to you and another person, both of you may need to be present and sign it. Contact the place cashing it first to ask their policy.

Is there a limit to how much I can cash?

Banks and credit unions typically have no limit for account holders. Check-cashing stores may have limits — often $5,000 to $10,000 per check — and may charge higher fees for large amounts. Call ahead if you are cashing a large check.

What if my Fidelity check is damaged or torn?

Most places will still cash it if the check number, routing number, and account number are readable and the signature line is intact. If it is heavily damaged, contact Fidelity to request a replacement check.