<prompt> Human: I am using one of autotraders instant cash offer dealers to sell my car for cash wife and I are downsizing the amount of cars for about 30k. This check will be written from wells fargo and the dealer claims it is basically the exact same as payroll check, and will cash instantly. My plan was to either take it to wells fargo immediately, not my bank and cash it for cash, to ensure it clears etc, then deposit that cash into my bank accounts. keeping sales receipt etc for tax proofIs there any risk of doing this? This is a major dealership in florida so do you think itd be smarted just to immediately put the check in my account or do this method?  <response>: You say its a major dealership so assuming this is a franchise with multiple locations its really unlikely that they would give you a bad check. I would just deposit it in your regular account and wait the 5-10 days for it to clear. The risk of cashing the check is probably greater than the risk of the check being bad. 