How to Cash a Trust Check

Banks treat checks received from a trust account the same as the do other checks, such as a personal check or paycheck. Therefore the trust check can be cashed in a similar manner. Make sure the check has been signed according to the trust's rules -- if it hasn't been, or if not all the required signatories are included, the check ultimately may be rejected.


Cashing Methods

  • Deposit the check into your checking or savings bank account. Once the check clears, you may withdraw the cash from your account. Clearance times vary by bank; contact your specific financial institution to find out when the funds will be available.
  • The issuing bank should be able to cash the check for you. Go to the bank in person and present the teller with the check and at least one form of photo identification.
  • If you are in a hurry and not near a branch of the issuing bank, a check cashing service may be able to cash the check. The service will charge a fee, with the amount varying by company. Some check cashing services also may have a limit on the size of a check that they can cash.


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Timely Matter

Many business checks, including trust checks, become stale at six months. At that point, the issuing bank may refuse to release the funds. Read the language on the check to see the length of time that the check is valid. If you have not deposited or cashed the trust check within six months you may have to ask the trustee to issue a new check. This issue gets more complicated if the trust has been dissolved before the check has been cashed, so head to the bank sooner rather than later.