How to Write and Cash a Check Made Out to Cash

A check made out to “Cash” is a payment instrument where “Cash” is written on the payee line instead of a specific person or organization. This type of check functions as a bearer instrument, meaning that whoever possesses it can theoretically cash it. It is similar in nature to actual currency.

Filling Out a Check to Cash

To write a check made out to cash, begin by filling in the current date in the upper right corner of the check. This can be in a month-day-year format or numerical format. Next, on the “Pay to the Order of” line, explicitly write the word “Cash.”

Write the numerical amount of the check in the small box located next to the dollar sign. Ensure you fill the space completely to prevent any alterations, including cents even for whole dollar amounts, for example, “500.00” instead of “500.”

Below the payee line, write out the dollar amount in words, matching the numerical amount. For instance, for $130.45, you would write “one hundred thirty and 45/100.” Fill any remaining space on this line with a continuous line to prevent fraudulent additions. The memo line is optional but can be used for personal record-keeping, such as noting the purpose of the payment. Finally, sign the check in the bottom right corner to authorize the payment.

Cashing a Check Made Out to Cash

When cashing a check made out to “Cash,” the individual presenting the check will need to endorse it. Endorsement typically involves signing your name on the back of the check within the designated endorsement area. This signature grants the bank permission to process the funds.

Banks and credit unions will require valid photo identification from the person cashing the check to verify their identity. Commonly accepted forms of identification include a driver’s license, state-issued ID, military ID, or a passport.

Checks can be cashed at the bank on which they are drawn (the issuing bank), your own bank or credit union, or at a check-cashing service. Cashing a check at the issuing bank may sometimes incur a fee if you are not an account holder. While some ATMs allow for check deposits, cashing a check made out to “Cash” directly at an ATM is generally not possible due to the identification requirements.

Important Considerations for Cash Checks

Writing a check made out to “Cash” carries inherent security risks because anyone who gains possession of the check can potentially cash it. If the check is lost or stolen before it is cashed, there is limited recourse to recover the funds, as it is treated much like physical cash. This method also complicates record-keeping, making it harder to track the specific purpose of the payment compared to checks written to named payees.

For enhanced security and better financial tracking, consider safer alternatives such as writing the check to a specific individual or entity. Digital payment methods, like electronic funds transfers (EFTs) or peer-to-peer payment apps, offer increased security, speed, and detailed transaction records. Banks may have policies regarding large checks made out to “Cash,” sometimes requiring additional scrutiny or even declining to cash them due to anti-money laundering regulations or internal risk management practices.