Do you know where to cash a check, free of charge? Do you know how much it will cost you to cash a check when free check cashing is not an option? If not, no worries. We have done the homework for you. Grab your check and keep reading to find a bank, grocery store, or check cashing place that will cash your check and what it’ll cost (if anything).

In This Article

Where Can I Cash a Check For Free?

The good news? Free check cashing is available! Free check cashing is always available at your bank, even if your bank didn’t issue the check. Plus, some banks, including Citibank and Capital One, afford everyone — not just customers — free check cashing if the check is drawn on their bank.

You may go to a Kmart store in CT, DE, GA, NJ, NV, PA, PR, PC, WA, and GU to cash your check, free of charge. If you live close enough to drive across state lines to the nearest Kmart in another state, you still can cash your check at no charge. Reference Kmart’s list of stores with cash checking services to find a store near you that cashes checks.

What You Need to Know About Check Cashing Fees

Most check cashing fees do not exceed $8. The most expensive checks to cash are personal checks because fees usually reflect their higher default risk. Grocery and big box stores typically have reasonable fees. The lowest check cashing rates are available at Kmart, which charges only $0.50 in RI and IL, and $1 in most states. Giant Food Stores, Walmart, and Winn-Dixie also charge low fees ranging from $1 to $3 for checks under $50, and $6 or $8 for checks over $50.

Check cashing stores may charge a minimum fee at $3 or more, but most fees are calculated as a percentage of the total check amount. Your fee will be proportional to the check amount, so you’ll pay a higher fee for a larger check. Sometimes stores charge a fee in addition to the percentage-based fee.

Stores and check cashing places may have more flexibility than banks. It may be worth your time to ask the store manager for a discount. For example, we contacted The Check Cashing Store to inquire about fees and free check cashing. A live chat representative explained how “in some situations” the store manager may discount check cashing fees based on a particular customer’s history with the store, “or if it is warranted by a specific situation.” You may get a discount, but not free cashing.

Check limits also affect whether you can cash your check. Most grocery stores and big box stores, and some banks and check cashing stores, have upper limits on the amount of the check and can’t cash very large checks. The lowest limits on check size are $500, while other stores have limits of $2,000 or even $5,000. Sometimes, limits vary within the same company. We learned from a Check Into Cash store in Cleveland, Ohio, for example, how their check cashing limit depends on how much money they happen to have in the store — the check limit may be different if you go to the same store a few days later. Contact your local store to avoid information gaps.

Table of All Check Cashing Locations and Fees

Follow the link provided in the table for further details.

Check Cashing Fees at Major Banks

1. Bank of America

  • Types of checks cashed? Bank of America accepts personal checks, cashier’s checks, payroll checks, or government checks. Before the check is cashed a bank teller has to see the actual physical check and electronically verify the check information
  • Types of checks not cashed? Not specified. Service is at the discretion of the local branch manager.
  • Check cashing amount limit? No.
  • Free check cashing? Yes. Bank of America customers don’t pay fees on checks written by other Bank of America customers.
  • Basic cashing fees charged? If you do not have a Bank of America account and the check amount is larger than $50, your check cashing fee is $8. Note that if you use an ATM to deposit/cash a Bank of America check the $8 fee still applies.
  • Other requirements? Even if you are a Bank of America customer you need to bring your bank card and a valid, government-issued photo ID.
  • Questions? Find more info on Bank of America website or call (800) 421-2110
  • Locations? Find the nearest Bank of America using the store locator

2. JP Morgan Chase & Co.

  • Types of checks cashed? Chase Bank accepts all types of checks as long as they are verifiable by a bank teller.
  • Types of checks not cashed? None.
  • Check cashing amount limit? Yes. You must go to Chase branch to inquire.
  • Free check cashing? Yes. Free check cashing is available to Chase customers cashing Chase checks.
  • Basic cashing fees charged? Yes. If you are a Chase customer cashing a non-Chase check, you will pay a fee based on your personal account type and the check limit. A branch teller will determine the exact amount after reviewing your information. If you are not a Chase customer, you must talk to a branch teller for more information.
  • Other requirements? Need a valid, government-issued ID.
  • Questions? Call (800) 935-9935 or go to @ChaseSupport the official Twitter handle for Chase Bank. If you are a military veteran, call (877) 469-0110 or inquire online.
  • Locations? Find the nearest JP Morgan Chase & Co. using the store locator

3. Capital One

  • Types of checks cashed? Capital One accepts all checks issued by a Capital One branch, most government checks, payroll checks, tax returns, insurance checks.  
  • Types of checks not cashed? You need to inquire at a branch in your area whether they accept non-government checks and personal checks from other banks.
  • Check cashing amount limit? No.
  • Free check cashing? Yes. Free check cashing is available to Capital One customers.
  • Basic cashing fees charged? Yes. If you are not a Capital One customer the fee is $7 regardless of the check amount.
  • Other requirements? Must bring two forms of ID including a valid, government-issued Photo ID.
  • Questions? Call (877) 383-4802.
  • Locations? Find the nearest Capital One using the store locator

4. Citigroup

  • Types of checks cashed? Citibank will cash any type of check issued by a Citibank branch. 
  • Types of checks not cashed? Double endorsed checks and any check that is not issued by a Citibank branch can’t be cashed.
  • Check cashing amount limit? No limits for Citibank customers. Non-Citibank customers can cash checks up to $5,000.
  • Free check cashing? Yes. Free cashing for all.
  • Basic cashing fees charged? No.
  • Other requirements? A standard valid, government-issued ID is required. You will be asked to endorse the check to Citibank in the presence of the teller.
  • Questions? Call (800) 374-9500 or ask questions using the Citibank live chat.
  • Locations? Find the nearest Citigroup using the store locator

Check Cashing Fees at Check Cashing Stores

5. ACE Check Cashing

  • Types of checks cashed? ACE Check Cashing cashes most types of checks including payroll checks, personal checks, checks made payable to a company, income tax refund checks, government checks, insurance settlement checks, and money orders.
  • Types of checks not cashed? Not specified.
  • Check cashing amount limit? Yes. Check amount limits vary by region and store location. Speak with an ACE Check Cashing employee to learn the specific fee information you need.
  • Free check cashing? No.
  • Basic cashing fees charged? Yes. Check cashing fees vary by location. Call a store near you to inquire.
  • Other requirements? Your check and a valid, government-issued photo ID are all you need.
  • Questions? Call (877) 223-2274 for more info.
  • Locations? Find the nearest using the store locator

6. Advance Financial

  • Types of checks cashed? Advance cashes all types of checks including personal checks, payroll checks, government checks, cashier’s checks, insurance checks, money orders and more.
  • Types of checks not cashed? None
  • Check cashing amount limit? No. The company website notes, “No check is too large.”
  • Free check cashing? No
  • Basic cashing fees charged? Fees vary by check type and check amount. Fees on personal checks and money orders are 10% of the check amount or a minimum $5, whichever is larger. Fees are 1%-2.99% or a minimum of $3 for payroll checks; 1%-2.99% or a minimum of $2 for government checks; and 1%-5% or a minimum of $5 to cash all other checks. Advance Financial may charge a maximum membership fee of $10.
  • Other requirements? Must have a valid, government-issued Photo ID
  • Questions? Call (615) 341-5900 or email info@af247.com for more info, or, use their online contact form.
  • Locations? Find the nearest Advance Financial using the store locator

7. The Check Cashing Store

  • Types of checks cashed? The Check Cashing Store allows individual stores to determine what types of checks they cash. Call the nearest store, or inquire in person to find out where you can cash your check.  
  • Types of checks not cashed? Vary by store.
  • Check cashing amount limit? Yes. Check amount limits also vary by location. Call or visit a store in your neighborhood to inquire in person.
  • Free check cashing? No.
  • Basic cashing fees charged? Rates vary by check amount and location. Ask in person or call The Check Cashing Store nearest to you.
  • Other requirements? Must show two forms of ID, including one valid, government-issued photo ID.
  • Questions? Call (800) 412-3064 or live chat on their website. Live chat with check cashing support is available until 9:30 PM EST. Note that they will not answer questions about specific personal check cashing fees via online chat.
  • Locations? Find the nearest The Check Cashing Store using the store locator

8. Check Into Cash

  • Types of checks cashed? Check Into Cash accepts all types of checks including printed or handwritten payroll checks, government checks, tax refund checks, financial loan checks, insurance drafts or checks, money orders, cashier’s checks, two-party checks, personal checks, and more.
  • Types of checks not cashed? None.
  • Check cashing amount limit? Check amount limits vary by store and, one day to the next in the same store.
  • Free check cashing? No.
  • Basic cashing fees charged? Check cashing fees also vary by location and check type. A store clerk will calculate it for you, but rest assured, the fee structure will not change next time you visit the same store.
  • Other requirements? Must bring a valid, government-issued Photo ID
  • Questions? Call (877) 262-2274 or email customersupport@checkintocash.com. Find more information on Check Into Cash contact page.
  • Locations? Find the nearest Check Into Cash using the store locator

9. Check Smart

  • Types of checks cashed? Check Smart cashes all types of checks including payroll checks handwritten or computer printed; tax refunds (Rapid Refunds or US Treasury), government checks, insurance checks, money orders, cashier’s checks, personal checks, checks payable to a company, out-of-state checks, student loan checks, and more.
  • Types of checks not cashed? None.
  • Check cashing amount limit? Check amount limit information is posted in the lobby of every CheckSmart location.
  • Free check cashing? No.
  • Basic cashing fees charged? Check cashing fees information is clearly posted in the lobby of every CheckSmart location. Call a location near you to ask.   
  • Other requirements? Must have a valid government, issued Photo ID
  • Questions? Call (888) 562-6263 for more info. You can ask for an account specialist to return your call and respond to all your questions.
  • Locations? Find the nearest Check Smart using the store locator

10. Friendly Check Cashing

  • Types of checks cashed? Friendly Check Cashing accepts all types of checks including checks made payable to a company, insurance checks, 401k checks, payroll checks, personal checks, cashier’s checks, tax refunds, government checks, insurance drafts, and money orders.
  • Types of checks not cashed? None.
  • Check cashing amount limit? No.
  • Free check cashing? No.
  • Basic fees charged? Friendly Check Cashing charges an average 10% fee but that percentage may differ by check type. The minimum check cashing fee is $3.
  • Other requirements? You need a valid, government-issued Photo ID
  • Questions? Call (800) 939-0216 for more info.
  • Locations? Find the nearest Friendly Check Cashing using the store locator

11. Money Mart

  • Types of checks cashed? Money Mart will cash most checks including payroll, government, small business, personal checks, insurance checks, and money orders.
  • Types of checks not cashed? Not specified as the company allows local stores to decide what types of checks they cash.
  • Check cashing amount limit? Check amount limits vary by location. The amount is at a local store’s discretion to so you need to contact the stores directly.
  • Free check cashing? No.
  • Basic cashing fees charged? Rates vary depending on the check amount and where you’re cashing it. Customers must call or visit a store to ask about their specific check to find out the fees.
  • Other requirements? Need to bring two forms of ID, including a valid, government-issued photo ID.
  • Questions? Call (800) 361-1407 or try the online live chat, but note that they will not provide specific fee information online.
  • Locations? Find the nearest Money Mart using the store locator

12. PLS Check Cashing

  • Types of checks cashed? PLS Check Cashing accepts most checks including payroll checks, personal checks, government checks, out-of-state checks, and more.
  • Types of checks not cashed? Not specified and may vary by store.
  • Check cashing amount limit? PLS does not have company-wide check amount limits, so check limits vary by store. Call a store near you to inquire.
  • Free check cashing? No.
  • Basic cashing fees charged? Typically, a fee of 1% of check amount plus $1 applies to recurring in-state payroll and government benefits checks up to $1,500. Rates may be higher in some states (e.g., in New York City the fee is 2.2% of the check amount). According to the company website, rates on checks greater than $1,500 and other types of checks, including money orders, vary based on check type, check amount and other risk factors. Call and ask a store associate for more fee information.
  • Other requirements? You cannot cash your check without a valid, government-issued photo ID.
  • Questions? Call (855) 856-9757 or use the online contact form
  • Locations? Find the nearest PLS Check Cashing using the store locator

Check Cashing Fees at Grocery Stores and Retailers

13. Albertsons

  • Types of checks cashed? Albertsons stores may cash different types of checks at their discretion. Call the store to get an accurate list of the types of checks they cash.
  • Types of checks not cashed? Money orders.
  • Check cashing amount limit? Yes, Albertsons will not cash checks larger than $1,000.
  • Free check cashing? No.
  • Basic fees charged? Check cashing fees vary by location. We learned from a customer representative that the check cashing fee may be “roughly $2 for every $200.” Call a nearby store or ask in person.
  • Other requirements? You need to provide a valid, government-issued photo ID and enter your Social Security Number in the store’s pin pad.
  • Questions? Call (877) 723-3929.
  • Locations? Find the nearest Albertsons using the store locator

14. Giant Food Stores

  • Types of checks cashed? Giant Food Stores cash payroll checks and government checks.
  • Types of checks not cashed? Personal checks, starter checks, insurance checks, foreign traveler’s checks, money orders, post-dated or predated checks, and handwritten or hand typed payroll checks.
  • Check cashing amount limit? Your check cashing limit is determined by TeleCheck‘s ability to validate account information and your past history. Your check will be processed through the safe and secure system that banks use today for electronic deposits and payments.
  • Free check cashing? No.
  • Basic cashing fees charged? Most stores charge $1 to $1.50, a customer service representative told us, but call your nearest store to confirm.
  • Other requirements? You’ll need to show an ID. Giant stores accept driver’s licenses, military IDs, and state-issued identification cards. Additionally, to be able to cash your check you must apply for a Payroll and Business Check Cashing card in your local store.
  • Questions? Call (877) 454-4268 or visit Giant Food Stores website for more company information.
  • Locations? Find the nearest Giant Food Stores using the store locator

15. Kmart

  • Types of checks cashed? Kmart cashes personal checks, tax refund checks, government checks and payroll checks.
  • Types of checks not cashed? Most non-government checks such as insurance checks.
  • Check cashing amount limit? Yes. You may cash two-party personal checks up to $500. The limit increases to $2,000 for payroll checks, tax refund checks, and government checks.
  • Free check cashing? Yes. Free cashing is available in CT, DE, GA, NJ, NV, PA, PR, PC, WA, and GU.
  • Basic cashing fees charged? Only $0.50 in RI and IL, and $1 in most states.
  • Other requirements? You’ll need to show an ID. Kmart accepts several identification cards including U.S. driver’s license, Mexican Matricula Consular ID, Tribal ID, and a Green Card (Alien Registration Receipt/Permanent Resident Card).
  • Questions? Call Kmart’s customer service line at (800) 416-7565.
  • Locations? Find the nearest Kmart using the store locator

16. Shaw’s

  • Types of checks cashed? Shaw’s cashes payroll checks and government checks.
  • Types of checks not cashed? Personal checks, money orders, government checks, tax refund checks, insurance checks, traveler’s checks.
  • Check cashing amount limit? Yes. Shaw’s won’t cash checks larger than $1,500.
  • Free check cashing? No.
  • Basic fees charged? We learned from a customer representative that the check cashing fee may be “roughly $2 for every $200.” Some stores may expect you to cash your check and buy groceries. Call a nearby store or ask in person to get exact fee information.
  • Other requirements? You need to bring a valid government issued ID and provide your Social Security Number to be able to cash a check. Payroll checks must have a computer generated, authorized signature.
  • Questions? Call (877) 723-3929.
  • Locations? Find the nearest Shaw’s using the store locator

17. Walmart

  • Types of checks cashed? Walmart cashes payroll checks, government checks, cashier’s checks, tax checks, 401(k) retirement checks, and insurance settlement checks. Walmart also accepts MoneyGram orders purchased at all Walmart locations
  • Types of checks not cashed? Personal checks.
  • Check cashing amount limit? Yes. Walmart will not cash checks larger than $5,000.
  • Free check cashing? No.
  • Basic fees charged? Walmart’s flat fees are based on the amount of the check. You pay $3 for checks up to and including $1,000 and $6 for checks up to and including $5,000.
  • Other requirements? Must show a valid, government-issued photo ID.
  • Questions? Learn more about check cashing on Walmart In-Store Check Cashing page or call (479) 204-2125.
  • Locations? Find the nearest Walmart using the store locator

18. Winn-Dixie

  • Types of checks cashed? Various Winn-Dixie stores do accept payroll checks, but not all Winn-Dixie stores cash checks and the types of checks they cash vary by location.
  • Types of checks not cashed? Winn-Dixie does not accept handwritten checks or money orders.
  • Check cashing amount limit? Yes. As a rule, Winn-Dixie does not cash checks larger than $500. However, at some stores, you may cash checks up to $1,500.
  • Free check cashing? No.
  • Basic fees charged? Winn-Dixie charges $3.50 per check under $500, and $8 for checks $500 to $1,500.
  • Other requirements? You must bring a valid, government-issued photo ID to be able to cash a check.
  • Questions? Call (866) 946-6349 for inquiries.
  • Locations? Find the nearest Winn-Dixie using the store locator

In Summary

Free or low-priced check cashing options are available in many states at popular stores like Kmart. Luckily, you have plenty of choices and communication channels to stay informed. Don’t be shy, call or visit the nearest bank, grocery store, or check cashing place in your area. Talk to the manager of your favorite store. There is a chance he or she will reduce your check cashing fee.