Supermarkets are not banks, but some stores do offer customers the convenience of cashing a check during a store visit. Food Lion is among a number of national grocery stores that do allow customers to cash checks. The store cashes personal and payroll checks as well as government, travelers, and rebate checks. Keep reading for details on how to cash these checks at Food Lion…

In This Article:

  • Identification Required to Cash a Check at Food Lion

  • Cashing Personal Checks at Food Lion

    • Cashing Personal Checks at Food Lion (Written for Groceries)
    • Cashing Personal Checks at Food Lion (Written to You)
  • Cashing Payroll Checks at Food Lion

  • Other Types of Checks Food Lion Will Cash

  • Checks Food Lion Will Not Cash

  • The List of Other Grocery Stores That Cash Checks

Identification Required to Cash a Check at Food Lion

Similar to banks, Food Lion requires you to show an acceptable form of identification before you can cash a check at one of its stores. Acceptable forms of ID include:

  • U.S. or U.S. territory driver’s License or state-issued ID
  • U.S. or U.S. territory military ID
  • Native American Tribal photo ID
  • U.S. passport (can be used when cashing payroll checks, but not personal checks)

Note: You do not need a Food Lion shopping card to cash checks at the store.

Cashing Personal Checks at Food Lion

Food Lion cashes personal checks, whether written to you by another party of written by you to pay for groceries. Be aware that Food Lion uses a third-party check verification system, so Food Lion employees don’t have any control over whether or not your personal check is verified or rejected. If your personal check is rejected, either a cashier or store customer service representative will provide you with the contact information for the third party service so you can discuss the reason the check was rejected.

Cashing Personal Checks at Food Lion (Written for Groceries)

At Food Lion, you can write a personal check for groceries up to $50 over the total cost of your grocery purchase. For example, if your grocery total is $37, you can write a check for $87, if you desire. Your check covers your groceries, and the cashier hands you $50 in cash. If you need more money than this, you’ll need to come back to the store and go through the shopping and check writing process again. Make your check payable to Food Lion.

There are no fees for personal checks used in the purchase of groceries. Additionally, you cannot receive cash without buying groceries.

Cashing Personal Checks at Food Lion (Written to You)

Food Lion does not cash personal checks written to you by a third party. You can only use personal checks associated with your own checking account. Be aware that your personal check must clear the third party electronic verification system. This database pulls up a record for the account associated with the check, and any unpaid checks (bounced checks) or fees trigger an automatic decline. If your checking account has experienced previous payment difficulties, your check may be declined.

Cashing Payroll Checks at Food Lion

Food Lion cashes payroll checks up to $1,000 per check — and not a penny more. That’s good news if you plan on stopping by the store after work to pick up a few things on payday. There are some things you should be aware of when taking a payroll check to your local Food Lion:

  • Real signature required. Payroll checks must be signed by an authorized company representative. This signature must be handwritten in person, a stamped handwritten signature, or a handwritten signature copied by computer and printed on the check. Not valid: Computer font-generated signatures.
  • No handwritten payroll checks. Some small companies issue handwritten payroll checks to employees. You won’t be able to cash these checks at the store, and fraud prevention is the likely reason.
  • Check cashing fees. There are nominal fees for cashing payroll checks, and these fees vary by store location. You can contact your local store to inquire about fees for cashing payroll checks.

Other Types of Checks Food Lion Will Cash

In addition to personal and payroll checks, Food Lion will cash the following checks:

  • U.S. government or state issued tax refund checks up to $1,000 (Proper ID required)
  • U.S. Traveler’s Checks up to $499.99
  • Rebate checks

Checks Food Lion Will Not Cash

Over its many years in business, Food Lion has had lots of experience with customers bringing various types of checks to its stores, expecting those checks to be cashed. As a result, the store now has a long list of checks that it does not cash, under any circumstances. Perhaps at one time, they accepted a few on this list, but negative experiences led to those checks ending up on the banned list.

Checks not accepted:

  • Altered checks
  • Checks filled out in pencil
  • Checks from juveniles without acceptable forms of ID
  • Checks that must be verified by phone
  • Counter checks
  • Credit card checks
  • Foreign country-issued traveler’s checks
  • Handwritten payroll checks
  • Insurance drafts
  • Money orders
  • Personal checks by third parties
  • Third party personal checks
  • Two-party checks

Find a nearby Food Lion location here.

Read Food Lion’s check cashing policy here.

Questions? Contact Food Lion customer service online or call them at (800) 210-9569.

The List of Other Grocery Stores That Cash Checks

1.  Fred Meyer

  • Personal checks? No.
  • Payroll checks? Yes.
  • Do they cash other types of checks? Yes. Government checks.
  • ID needed: Social Security number and a valid state or U.S. government issued ID.
  • Payment method: Cash.
  • Fees: $3 for checks up to $2,000; $5 for check amounts between $2,001 to $5,000.
  • Hours: Most stores open daily from 7 AM to 10 PM.
  • Find a location

2.  Giant Eagle

  • Personal checks? Yes. Requires a Giant Eagle Advantage card and personal check cashing privileges.
  • Payroll checks? Yes. Checks are processed in a Paycheck Secure Check Cashing System. Requires a Giant Eagle Advantage card with payroll check cashing privileges. Handwritten payroll checks are accepted, but must be approved by a store manager.
  • Do they cash other types of checks? Yes. Government checks (except for child support checks). Requires a Giant Eagle Advantage card with government check cashing privileges, U.S. Traveler’s Checks (up to $100).
  • ID needed: U.S. driver’s license, state-issued photo ID, military ID. More than one form of photo ID may be requested in some cases.
  • Payment method: Cash.
  • Fees: Contact your local store for information.
  • Hours: Varies by location.
  • Find a location

3.  Kroger

  • Personal checks? No.
  • Payroll checks? Yes.
  • Do they cash other types of checks? Yes. Government checks, insurance checks, and tax refund checks.
  • ID needed: Social Security number and a valid form of ID.
  • Payment method: Cash and prepaid debit card. Customers can have money loaded onto a prepaid debit card during the check cashing transaction.
  • Fees: $3 or $5.
  • Hours: Most stores are open daily from 6 AM to 12 AM.
  • Find a location

4.  Publix

  • Personal checks? Yes.
  • Payroll checks? Yes.
  • Do they cash other types of checks? No.
  • ID needed: U.S. driver’s license, state-issued photo ID, military ID.
  • Payment method: Cash back on grocery purchases or a reloadable debit card.
  • Fees: Varies by location.
  • Hours: Most locations open daily from 7 AM to 10 PM.
  • Find a location

5.  Ralphs

  • Personal checks? Yes and no. Some locations accept personal checks and some don’t.
  • Payroll checks? Yes.
  • Do they cash other types of checks? Yes. Corporate checks, government checks, insurance checks, and tax refund checks.
  • ID needed: Social Security number and valid form of ID. Type of ID varies by location.
  • Payment method: Varies by location. Some locations pay cash and/or by prepaid money card.
  • Fees: Varies by location. The typical fee is $3 or $5.
  • Hours: Varies by location. Some stores are open from 6 AM to 12 AM.
  • Find a location

6.  Stop and Shop

  • Personal checks? No.
  • Payroll checks? Yes. Handwritten payroll checks, postdated, or predated checks not accepted; customers are required to apply for a Payroll and Business Check Cashing card at a local store.
  • Do they cash other types of checks? Yes. Government checks with a valid government ID; customers are required to apply for a Payroll and Business Check Cashing card at a local store.
  • ID needed: U.S. driver’s license, state-issued photo ID, military ID.
  • Payment method: Money is transferred to a Payroll and Business Check Cashing Card.
  • Fees: Varies by location.
  • Hours: Some stores open 24 hours a day, and some locations have varied hours.
  • Find a location

7.  WinCo Foods

  • Personal checks? No.
  • Payroll checks? Yes.
  • Do they cash other types of checks? No.
  • ID needed: Social Security number and one of the following: U.S. driver’s license, state-issued photo ID, military ID, Native American Tribal Photo ID.
  • Payment method: Cash.
  • Fees: $5 token for checks up to $500; $10 token for checks up to $1,000. Tokens are redeemable on store purchases.
  • Hours: Open 24 hours a day in most locations.
  • Find a location

In Summary

Does food lion cash checks? Absolutely but not all types. When visiting your local Food Lion, you’ll be able to pick up groceries and cash a personal or payroll check. You can also cash government, travelers, and rebate checks. The store has certain check cashing restrictions in place, so be sure to familiarize yourself with its check cashing policy ahead of your visit.