What types of checks can be cashed at an Amscot location? Are there limits to the check amount that Amscot will cash? What other financial services does Amscot offer? (Hint: Quite a few!) If you’ve ever wondered about the policies, limits, fees, and requirements for cashing a check at an Amscot location, we created this post with you in mind. Here, you’ll find everything you want or need to know about this service.

In This Article:

  • What Types of Checks Does Amscot Cash?

  • Do I Need Identification to Cash a Check at Amscot?

  • Will Amscot Cash a Check in Any Amount?

  • What Are Additional Services Available at Amscot?

  • Where Is Amscot Located and When Are They Open?

  • Do I Have to Pay to Cash My Check at Amscot?

  • Alternative Options for Getting a Check Cashed

What Types of Checks Does Amscot Cash?

Does Amscot cash personal checks? Yes and others. Amscot stores allow you to cash a wide variety of check types, including personal checks, insurance checks, computer and handwritten payroll checks, cashier’s checks, traveler’s checks, out-of-state and international checks, and government checks. Amscot will also cash money orders.

Do I Need Identification to Cash a Check at Amscot?

Yes, you will need a form of identification in order to successfully cash your check in an Amscot store. Amscot will accept any current government-issued photo ID, including a driver’s license, military ID, passport, or a state-issued identification card. Additionally, Amscot states that when you go to cash a check, you may be asked to provide any of the following:

  • Name
  • Street Address
  • Date of Birth
  • Valid Government Issued Photo ID (Driver’s License, Passport, Etc.)
  • SSN, TIN, or Alien Identification Number
  • Occupation Information
  • Transaction Details
  • Other Identifying Documents

This policy applies to all of the money services offered by Amscot. You can read more about this policy on the I.D. Verification page of the Amscot website.

Will Amscot Cash a Check in Any Amount?

Yes! Per the FAQs page on the Amscot website, Amscot will cash checks in any amount with no maximum (or minimum).

There is no daily or weekly limit on the number of checks that you’re able to cash at Amscot. You’re welcome to bring in as many checks as you would like and have them cashed.

What Are Additional Services Available at Amscot?

Besides check cashing, Amscot also offers a variety of other services. Some of these additional services include:

  • Cash Advances/Loans
  • Money Orders
  • In-store ATMs
  • Western Union money transfers
  • Prepaid Amscot MasterCards
  • Faxes
  • Copies
  • Notary and postal services

Keep in mind that these offerings may vary somewhat among individual locations, but generally, you can count on your local Amscot to have all of these services available for your convenience. Call ahead if you want to make sure that the service you’re hoping to use will be available.

Where Is Amscot Located and When Are They Open?

Amscot has approximately 239 locations throughout the state of Florida. The locations are primarily in the Tampa Bay, Orlando, and Miami metropolitan areas. To find out the contact information, address, or hours of the nearest Amscot location, you can visit the Amscot store locator. Many of Amscot’s stores are open 24 hours a day, 7 days a week, but others have more limited hours of operation.

Do I Have to Pay to Cash My Check at Amscot?

Yes, you do have to pay to cash your check at Amscot. Amscot cashes computer-generated local payroll checks, government checks, tax refund checks, cashiers and insurance checks, Amscot money orders, other payroll and handwritten checks, and finally, personal checks and money orders.

Typically, places like Amscot will give you the requested amount in cash, less their cashing fee. You can use this chart from Amscot’s website to calculate the fee and subtract it from the amount of your check, so you’ll know exactly how much money you’ll have in hand when you leave the store.

Alternative Options for Getting a Check Cashed

Amscot is one option among many when it comes to check cashing. While Amscot has plenty of locations, maybe there isn’t one convenient to where you live or work, or maybe you’ll be heading to one of these places to do some shopping anyway — so you might as well get your check cashed too. Remember that each of these places, with very few exceptions, will require a valid government issued photo ID (like a driver’s license, passport, military ID, state ID, etc.) in order to cash a check, so be sure to bring one with you.

Here are a list of additional stores that cash checks, and all the important details that you need to know before you arrive.

7-Eleven

  • Important note: Check cashing services are only available at 7-Eleven locations with a V-Com/Cardtronics ATM or kiosk.
  • Types of checks cashed: Payroll, cashiers, income tax refund, government, insurance settlement checks, and money orders.
  • Check-cashing fee(s): 1% of total check amount, with a $200 limit per 24 hours.
  • Read all about 7-Eleven’s check-cashing policies here.
  • Find your closest 7-Eleven store here.

ACE Cash Express

  • Types of checks cashed: Payroll, personal, checks made payable to a company, income tax refund, government, and insurance settlement checks, money orders, “and more.”
  • Check-cashing fee(s): 3% of the total check amount.
  • Read all about ACE Cash Express’ check-cashing policies here.
  • Find your closest ACE Cash Express here.

Fred Meyer

  • Types of checks cashed: Payroll and government checks up to $5,000.
  • Check-cashing fee(s): $3 for a $2,000 check, and $5 for a check up to $5,000.
  • Read all about Fred Meyer’s check-cashing policies here.
  • Find your closest Fred Meyer here.

Kmart

  • Types of checks cashed: Payroll, tax refund, and government checks up to $2,000, as well as two-party personal checks up to $500.
  • Check-cashing fee(s): $1 or less. No fee in CT, DE, GA, NJ, NV, PA, PR, SC, WA, and GU. $0.50 fees in IL and RI.
  • Read all about Kmart’s check-cashing policies here.
  • Find your closest Kmart here.

Walmart

  • Types of checks cashed: Payroll, tax checks, government checks, cashier’s checks, insurance settlement checks, retirement reimbursement checks, and MoneyGram orders that were purchased at Walmart up to $5,000. No personal checks accepted.
  • Check-cashing fee(s): $3 for checks up to $1,000, and $6 for checks from $1,001 to $5,000.
  • Read all about Walmart’s check-cashing policies here.
  • Find your closest Walmart here.

WinCo

  • Types of checks cashed: Payroll checks only, with a maximum amount of $1,000.
  • Check-cashing fee(s): $5 for checks of $500 or lower. $10 for checks between $500-$1,000. However, you can redeem the fees when you spend $25-$50 at WinCo.
  • Read all about WinCo’s check-cashing policies here.
  • Find your closest WinCo here.

In Summary

Amscot check cashing rates are pretty competitive for the industry, so you may wish to cash a variety of different checks with them. First Quarter Finance is not affiliated with Amscot in any way; if you need further details about any of Amscot’s policies, please visit the official Amscot website. If Amscot’s services don’t meet your needs, you can always visit one of the other check cashing locations we’ve mentioned in this article.