USPS Now Allows Customers to Cash Checks – Best Life

You may think you know everything the United States Postal Service (USPS) can do, but the agency’s services extend far beyond the mail. You can also apply for a passport, get a money order, get help with a marketing campaign, and buy paper goods at your local post office, according to Insider. And now the USPS is preparing to expand its services even further for customers across the United States. Read on to find out what the agency will now let you do.

RELATED: USPS will charge you more for this, starting April 3.


The postal service is add financial aid to his services, the American Association of Retired Persons (AARP) reported on March 22. According to the organization, the USPS now allows customers in select cities to cash payroll and business checks. If you’re in Washington, DC, Falls Church, Virginia, or Bronx, New York, you can cash checks for up to $500 on debit cards for a flat fee of $5.95 at your office of local post.

A middle-aged bank employee gestures as she explains banking services to a female customer.

According to AARP, the USPS is expanding its financial service in an effort to reach millions of people in the United States who do not have access to an actual bank. President of the American Union of Postal Workers Marc Dimondstein told AARP that the $5.95 flat fee was also an attempt to serve these people in a less expensive way.

“This is a huge problem for the unbanked and underbanked who often get caught up in the predatory process of payday lending and checking cash,” Dimondstein said. “Low-income people, whether working or retired, spend up to 10% of their income on these fees and services. Here you have a trusted public institution that already provides basic financial services such than warrants.”

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Person withdrawing cash from cashier

There are millions of people in the United States who don’t have a bank, checking account or savings, according to AARP. The organization found that of all unbanked households, 3.1 million are headed by someone over the age of 50. And 14.2 million households aged 50 and over who use check cashers and payday lenders do not have access to traditional financial services.

With that in mind, the USPS’s expansion into banking services will likely hit a lot of people who need it. According to AARP, more than 4,000 bank branches closed in 2021, so some small towns don’t even have a bank available. But a post office location could be accessible to people in these areas. The USPS has more than 31,000 post offices, including more than 17,000 in neighborhoods with no banks or only one, if any, by AARP.

A mature man at the post office chooses a package - an envelope or a box for sending.  United States postal system

This isn’t the first time the USPS has offered this type of financial service. According to AARP, the agency allowed customers to cash checks at post offices decades ago. But the USPS ended its banking services in 1967 as more people turned to real banks with the expansion of the country’s financial system. With its renewed service, the Postal Service said it hopes to grow enough that customers will eventually be able to pay bills and deposit and withdraw money at their local post office.

RELATED: USPS is getting rid of this service, effective immediately.

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