Finding cheap check cashing is smart so you get to keep the most money possible. Of course, your first option should be to take it to the bank where you have an account, which will have no fee, though it may take a while to transfer to your bank account. But maybe you’re traveling and aren’t anywhere near your bank. Maybe you don’t have a bank account. In any of these cases, you need other options, and we’ve decided to compile a list for you on the cheapest places to cash a check! We’ll tell you what kinds of checks you can cash at these places, their restrictions (if any), and the fees charged.

Included in This Article

  • List of cheap check cashing places that cash checks based on cash fees (from cheapest to priciest!)

  • List of cheap check cashing places that cash checks based on percentage fees (from cheapest to priciest!)

  • Check cashing fees at these places

  • Restrictions on cashing checks (check limits, etc)

  • Types of checks that can be cashed

A Quick Note if You’re Looking to Cash a Personal Check

If you’re looking to cash a personal check (that is, a handwritten check given from one person to another, and not through a business or the government), the options of finding a cheap place to cash it (without a personal bank account) may be more limited than with other types of checks. This is simply because personal checks are harder to guarantee than government or business checks, money orders, cashier checks, etc., which are known as “safe” checks. There are still cheap check cashing places for you though. But make sure to check the “types of checks cashed” bullet point closely, as well as whether or not your check is a one-party, two-party, or even three-party personal check (this means how many “parties,” or people, are the check is addressed to in the “pay” field – the check will have to be endorsed by all parties before being cashed), because the acceptance policy will differ based on this aspect.

…And a Quick Note on Payday Loan/Check Cashing Stores

We’re only including stores with definite fees on this list to make things as easy and clear as possibly for you, but there are a multitude of payday loan and check cashing stores in your local area. However, while they’ll certainly cash your check for you, they’re the most expensive places to go to cash checks. These stores don’t elaborate on their fees online and can vary from state-to-state, or store-to-store, so we can’t offer you specifics on their fees, but note that the rate can be up to 10% of the check’s value, or a combination of 10% and $5-$10 as a service fee. So if you have a check for $1,000, you could possibly pay a fee of $100-$110. This is simply because these stores are taking on checks that are riskier (handwritten, personal, etc.) and therefore more likely to be invalid or bounce. The fees won’t always be so high but make sure to ask about their fees before you decide to cash a check.

Cheapest Places to Cash Checks: Sorted by Fee Amount

These are places that charge a set fee rather than a percentage of the check. Use this list if you have a high value check to cash.

1. Capital One Bank

  • Does Capital One cash checks? Yes.
  • Types of checks cashed: Personal checks issued to you from an account-holder at Capital One. If you have an account there, you can cash any check.
  • Check-cashing fee(s): No fee unless the check is over $100 (past $100, the fee is $7.00).
  • Identification needed: Yes. Capital One only accepts valid, photo ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Capital One to be sure.
  • Read all about Capital One’s check-cashing policies here.
  • Find your closest Capital One here.

2. Kmart

  • Does Kmart cash checks? Yes.
  • 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.
  • Identification needed: Yes. Kmart accepts U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Mexican Matricula Consular IDs, Tribal IDs, or U.S. Passports as acceptable identification.
  • Read all about Kmart’s check-cashing policies here.
  • Find your closest Kmart here.

3. Kroger and Kroger brands (Dillons, Fry’s Foods, Ralphs)

4. Fred Meyer

  • Does Fred Meyer cash checks? Yes.
  • 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.
  • Identification needed: Yes. Fred Meyer accepts a Driver’s License (US only), US Passport, State-Issued ID, Military ID, Resident Alien ID, Matricula Consular ID or Tribal ID or Tax ID as acceptable identification. You’ll also need a social security number.
  • Read all about Fred Meyer’s check-cashing policies here.
  • Find your closest Fred Meyer here.

5. Walmart

  • Does Walmart cash checks? Yes.
  • 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.
  • Identification needed: Yes. Walmart accepts U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Tribal IDs, or U.S. Passports as acceptable identification.
  • Read all about Walmart’s check-cashing policies here.
  • Find your closest Walmart here.

6. WinCo

  • Does WinCo cash checks? Yes.
  • 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.
  • Identification needed: Yes. WinCo specifies “proper ID,” so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local store to be sure.
  • Read all about WinCo’s check-cashing policies here.
  • Find your closest WinCo here.

7. Bank of America

  • Does Bank of America cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at Bank of America. Bank of America also specifies that they accept “some other checks”—call in to make sure yours will be accepted. If you have an account there, you can cash any check.
  • Check-cashing fee(s): $6.
  • Identification needed: Yes. Banks only accept valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Bank of America to be sure.
  • Read all about Bank of America’s check-cashing policies here.
  • Bank of America only cashes checks for non-customers at Financial Centers, and not drive-up locations. Find your closest Bank of America Financial Center here.

8. US Bank

  • Does US Bank cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at US Bank. If you have an account there, you can cash any check.
  • Check-cashing fee(s): $7.
  • Identification needed: Yes. Banks only accept valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local US Bank to be sure.
  • Read all about US Bank’s check-cashing policies here.
  • Find your closest US Bank here.

9. TD Bank

  • Does TD Bank cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at TD Bank. If you have an account there, you can cash any check.
  • Check-cashing fee(s): $7.
  • Identification needed: Yes. TD Bank only accepts valid photo ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local TD Bank to be sure.
  • Read all about TD Bank’s check-cashing policies here.
  • Find your closest TD Bank here.

10. Wells Fargo

  • Does Wells Fargo cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at Wells Fargo. If you have an account there, you can cash any check.
  • Check-cashing fee(s): $7.50.
  • Identification needed: Yes. Banks only accepts valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Wells Fargo bank to be sure.
  • Read all about Wells Fargo’s check-cashing policies here.
  • Find your closest Wells Fargo here.

11. Chase

  • Does Chase cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at Chase. If you have an account there, you can cash any check.
  • Check-cashing fee(s): $8 for checks over $50 (free if under that amount).
  • Identification needed: Yes. Banks only accept valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Chase bank to be sure.
  • Read all about Chase banking here.
  • Find your closest Chase bank here.

Cheapest Places to Cash Checks: Sorted by Percentage Amount

These are places that charge a percentage of the check rather than a set fee. Use this list if you have a low value check to cash.

12. 7-Eleven

13. Regions Bank

  • Does Regions Bank cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at Regions bank, as well as payroll, two-party personal, business, insurance settlement, cashier, handwritten, and money order checks not issued from Regions bank. If you have an account there, you can cash any check for free.
  • Check-cashing fee(s): No fee for checks under $10. For personal checks issued to you from an account-holder at Regions bank, checks over this amount have a fee of 1% of the total amount of the check. For checks that aren’t issued from Regions bank, the fees are:
    • Payroll/Government checks: 1.5% of total check amount for checks under $1,500, and 2% for checks over $1,500.
    • Other check types (two-party personal, business, insurance settlement, cashier, and handwritten checks): 3% of total check amount, with no maximum limit.
    • Money orders: 5% of total check amount, with no maximum limit.
  • Identification needed: Yes. Banks only accepts valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Regions bank to be sure.
  • Read all about Region’s check-cashing policies here.
  • Find your closest Regions bank here.

14. Fifth Third Bank

  • Does Fifth Third Bank cash checks? Yes.
  • Types of checks cashed: Personal checks issued by an account-holder at Fifth Third Bank, as well as “practically any type of check including payroll, government, and two-party personal.” If you have an account there, you can cash any check.
  • Check-cashing fee(s): 1% of the total check amount for personal checks issued to you by an account-holder at Fifth Third Bank, and 1.5% of the total amount of the check for all other check types for non-customers.
  • Identification needed: Yes. Banks only accepts valid ID sources, so think government-authorized: U.S. Driver’s Licenses, state-issued IDs, Military ID’s, Green Cards, Matricula Consular IDs, Tribal IDs, or U.S. Passports will likely be accepted. Call your local Fifth Third Bank to be sure.
  • Read all about Fifth Third Bank’s check-cashing policies here.
  • Find your closest Fifth Third Bank here.

15. PLS Transportation Services and Check Cashing

16. Country Mart

17. Payomatic Check Cashing

18. ACE Cash Express

Places That Do Not Cash Checks

These places do not cash checks of any kind.

Cheap Check Cashing: Conclusion

In conclusion, if you’re frustrated with trying to cash a check without a bank account, don’t worry! There are plenty of options near you, and some that only ask for very reasonable rates! We hope you’ve found a convenient location on this list, or even, dare we say, a place to cash your check with no fees at all! In any case, good luck choosing the cheapest place to cash a check based on your type of check and you’re location.

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