Fred Meyer is more than just a neighborhood grocery store — for countless customers, Fred Meyer is also their go-to banking center. Make a trip to Fred Meyer and you can not only get your groceries for the week, but you can also take care of your banking needs. Fred Meyer offers a variety of money services, including on-the-spot check cashing. It’s fast, easy, and relatively inexpensive to cash payroll and government checks here. Keep reading to learn the ins and outs of cashing a check at Fred Meyer.

In This Article

  • How to Cash a Check at Fred Meyer

  • What Types of Checks Does Fred Meyer Cash?

  • Limit and Fee Information

  • How (and Why) to Load the Funds from a Check onto the Fred Meyers Rewards Visa Prepaid Debit Card

How to Cash a Check at Fred Meyer

To cash a check at Fred Meyer, you will need to provide:

  • A valid Social Security number
  • A current, valid, state- or federal government-issued ID card (e.g., U.S. passport, military ID, resident alien ID, driver’s license, tribal ID, or tax ID)

Bring your ID card and Social Security number to the money services/customer service center at any Fred Meyer. The staff there will collect your information, but they won’t require a credit check or application. Most Fred Meyer money service centers are open late, but the exact hours vary depending on location. You can find your local store’s hours here.

Fred Meyer uses Certegy, a “check risk management company,” to authorize checks before cashing them. Certegy uses its databases to analyze checks before approving or denying them. The company doesn’t disclose exactly how it determines whether to approve or deny a check (saying to do so would give fraudulent check writers a way to bypass the system), but Certegy does say that your credit score isn’t a factor. If your check is denied based on Certegy’s analysis, you can use their online denied check lookup tool to find out why. Or, if you’re just curious, you can request your file from them here.

What Types of Checks Does Fred Meyer Cash?

Fred Meyer will only cash the following types of checks:

  • Government checks
  • Payroll checks

Fred Meyer will not cash the following types of checks:

  • Cashier’s checks
  • Expired checks
  • Insurance settlement checks
  • Money orders
  • Personal checks
  • Post-dated checks
  • Savings bonds checks

Some Fred Meyer stores will cash tax refund checks, but their policies vary from location to location. Call your local store’s money services desk to see if they’ll cash your tax refund.

Check Cashing Limits and Fees

It costs $3 per check to cash checks up to $2,000, and $5 per check to cash checks from $2,000.01 to $5,000. Fred Meyer will deduct the check cashing fee from the check amount. For example, if you cash a $100 check, you’ll receive $97 in cash after the fee is deducted. You cannot cash a check larger than $5,000.

Find more information about fees and limits here.

How (And Why) to Load the Funds from a Check onto the Fred Meyers Rewards Visa Prepaid Debit Card

When you cash a check, the customer service representative will offer to load the funds from your check onto a Fred Meyers Rewards Visa Prepaid Debit Card, a prepaid debit card that can be used just like a bank debit card, or as a credit card anywhere Visa is accepted, even online.

This card earns you rewards points whenever you use it to make a purchase, and double rewards points for purchases at Fred Meyer. Those points pile up into rebates mailed out to card users every February, May, August, and November. The rewards card also saves customers on gas when they fill up at a Fred Meyer Fuel Center. Shoppers earn fuel points for money spent at a Fred Meyer store, gift card purchases, and for using the Fred Meyer pharmacy. When you redeem at least 100 fuel points, you’ll earn five cents back for each gallon you pump at a Fred Meyer Fuel Center.

Learn more about the benefits of this card here.

The cost of purchasing a Fred Meyer Rewards Visa Prepaid Debit Card is $3; however, when you cash a check and load the amount onto the card, this fee is waived. You will be issued a temporary card the day you sign up for the card and have your first check loaded onto it; then, you will receive a personalized card in the mail in just 7-10 business days.

Once you have the personalized card in hand, you can continue to load the funds from your cashed checks onto it. You can also load it with anywhere from $10-$1,000 by swiping it at any of the checkout stations at Fred Meyer or visiting the customer service desk. You can also sign up for direct deposit and have your government or payroll checks deposited automatically onto the card.

In Summary

Cashing your government and payroll checks at Fred Meyer is an easy process that can save you a trip to the bank. Remember to bring an acceptable ID and be prepared to provide your Social Security number to complete the transaction. Consider loading your check onto a Fred Meyer Rewards Visa Prepaid Debit Card. This card features a rewards program that can earn you points that can then be used toward rebates and free fuel at Fred Meyer Fuel Centers.