Does the Post Office Accept Checks for Payment?
Understand the Post Office's policies on check payments. Get clear insights into accepted methods and practical considerations for your visit.
The United States Postal Service (USPS) accepts checks as a form of payment for a wide variety of its products and services. This payment option is available to customers, provided certain conditions regarding the check type, proper completion, and identification requirements are met.
Accepted Check Types
The USPS accepts several types of checks. Personal checks, drawn directly from an individual’s bank account, are a common payment method. Business checks, issued from a company’s account, are also accepted for all postal transactions.
For transactions requiring higher payment assurance, certified checks and cashier’s checks are accepted. These checks are guaranteed by the issuing financial institution, ensuring the availability of funds. Additionally, the USPS accepts American Express Traveler’s Cheques and American Express Gift Cheques, with a specific condition that at least 50% of their face value must be applied towards postal products or services.
Using Checks for USPS Services
Checks are accepted for various common transactions at Post Office facilities. These include the purchase of postage stamps and different shipping services, such as Priority Mail or Express Mail. Checks can also be used for Post Office box rentals or renewals.
When purchasing money orders, checks cover the cost of the money order itself, but not its principal amount. Additionally, checks are an accepted payment method for services like Collect on Delivery (COD) at the time of mailing, and for the USPS portion of passport acceptance fees.
Key Requirements and Limitations
When paying by check at the USPS, a valid, signed photo identification (ID) is necessary for all check payments. Acceptable forms of ID include a state-issued driver’s license or non-driver ID, a passport, or a military ID. All presented identification must feature a picture and signature. The check must be pre-printed with the customer’s name and address, made payable to “U.S. Postal Service” or “Postmaster,” and written for the exact purchase amount. The USPS does not cash personal checks or accept third-party checks, nor can checks be used to purchase the principal amount of money orders or gift cards.
If a check is returned due to insufficient funds (NSF), the USPS may assess a fee, typically around $30. The Post Office cannot accept a replacement check or directly settle a returned check issue. The USPS may resubmit the returned check for payment via an Automated Clearing House (ACH) debit or forward it to a collection agency without further notice.