# Inheritance Check Over $10,000: What to Do Next

> How to handle a large inheritance check without bank issues.
- Title: Inheritance Check Over $10,000: What to Do Next · Kiplinger
- Summary: How to handle a large inheritance check without bank issues. If you receive an inheritance check over $10,000, contact your bank for solutions like certified…
- Keywords: inheritance, bank, check, financial adviser, high-yield savings, fidelity, apry, fidelity bank, fidelity savings, fidelity cd, fidelity account, 000
- Source: Kiplinger — https://kiplinger.com/retirement/inheritance/inherited-a-check-what-to-do-with-it-next
- Published: 2026-10-02T14:00:00+00:00
- Read time: 1 min
- Topics: inheritance, bank, check, financial adviser, high-yield savings, cd, fidelity, apry, fidelity bank, fidelity savings, fidelity cd, fidelity account
## Inheritance check over $10,000
Most banks won't accept mobile deposits for checks over $10,000.
## Bank solutions for large checks
Ask your bank to send the check via certified mail or contact them directly for alternatives.
## Partner institutions for deposits
Credit unions and partner institutions may allow in-person transactions if you lack a physical branch.
## Cancel check for wire transfer
Contact the will's executor to cancel the check and wire funds electronically.
## Open high-yield savings account
Use a high-yield savings account, money market account, or short-term CD for inherited funds.
## Choose a savings account
Look for online banks with high APYs, low fees, and FDIC insurance up to $250,000.
## Find a financial adviser
Seek a fiduciary financial adviser with reputation, personal approach, and proactivity.
## Build lasting wealth
A financial adviser can help pay off debt, save, plan estate, and address financial concerns.
## Key takeaway

If you receive an inheritance check over $10,000, contact your bank for solutions like certified mail or a financial adviser to manage the funds securely.