King Soopers has served the Rocky Mountains for nearly a century to meet area residents’ supermarket needs, including money services such as check cashing. Visit a King Soopers location with an appropriate check and you can leave with cash in hand — for a small price, of course.

In This Article

  • How to Cash a Check at King Soopers

  • What Types of Checks Does King Soopers Cash?

  • Limit and Fee Information

  • Consider Putting Your Check on a King Soopers 123 Rewards Card

How to Cash a Check at King Soopers

One of the money services offered at King Soopers is check cashing. To cash a check, visit your local King Soopers during normal business hours and ask money services staff for assistance in cashing a check. Here’s what you’ll to have with you to make it happen:

  • Your check (government, payroll, tax refund, insurance, or corporate check — no personal checks)
  • A valid Social Security Number or Individual Taxpayer Identification Number
  • A current ID (accepted forms include U.S. driver’s license, state-issued ID, military ID, resident alien ID, Matricula Consular ID, passport, tribal nation ID and reservation ID)

King Soopers uses Certegy, a self-described “check risk management company,” to authorize checks before cashing them. Certegy runs checks against its databases to determine whether to approve or deny them, with the intention of reducing the risk of accepting checks for merchants. The company doesn’t disclose exactly which factors play into its check authorization process, saying to do so would give fraudulent check writers a way to bypass the system, but your credit score doesn’t affect whether Certegy will approve your check.

What Types of Checks Does King Soopers cash?

King Soopers can save you a trip to the bank by cashing the following types of checks:

  • Government checks
  • Payroll checks
  • Tax refund checks
  • Insurance checks
  • Corporate checks

These types of checks, however, can’t be cashed at King Soopers:

  • Personal checks
  • Expired checks
  • Post dated checks
  • Savings bond checks

Limit and Fee Information

King Soopers charges between $3 and $5 to cash a check in-store, depending on the check amount. King Soopers’ limit on the amount for which you can cash a check varies depending on store location. If you’d like to call ahead to find out your local store’s limit, you can use the store locator to find their phone number. It’s best to ask the staff at your local store about check amount limits and fees to confirm because stores have the discretion to set the exact cash limits and fees.

Consider Putting Your Check on a King Soopers 123 Rewards Card

King Soopers offers an option to load the cash from your check onto a 123 Rewards Card. Usually, it costs $3 to load money onto your 123 Rewards Card, but if you load the cash from your check directly onto the card, they will waive the usual $3 or $5 card loading fee. So, if you use a 123 Rewards Card already, you can save yourself $3 this way. You might also want to load your check directly onto a 123 Rewards Card if you’d prefer not to carry around cash, for safety concerns or other reasons.

The 123 Rewards Card is a prepaid Visa debit card, which you can use like cash anywhere that accepts Visa. The more you use the card, the more rewards points you accumulate, and those points go toward savings on groceries and fuel at King Soopers.

Every 1,000 points automatically earn $5 in free groceries. Points are accumulated as follows: three points for every dollar spent on a Kroger family brand product, two points for every dollar spent in a Kroger family store (excluding fuel centers), and one point for every dollar spent on anything else.

In Summary

King Soopers offers a cheap alternative to banks for check cashing, and it accepts a relatively wide variety of check types. With long store hours and many locations, you can expect convenience and value from your King Soopers check cashing experience. And, if you don’t want to carry around cash, King Soopers give you the option of loading directly onto you 123 Rewards Card.