Many people wonder, “Is there payroll check cashing near me?” Yes. This article shows all the major places to cash payroll checks. “Where can I cash a handwritten payroll check?” We’ve noted which places cash handwritten payroll checks as well.

Banks are the most obvious places to cash payroll checks. When you cash a payroll check at your bank, you aren’t charged any fees, which means you get to keep more of the money you are working hard to make. Banks aren’t always an option for everyone, however.

If you need to know places that cash payroll checks but don’t have a bank or aren’t near a branch of your bank, you may be puzzled as to where you can go. Fortunately, there are a number of different places to cash payroll checks.

Super stores, grocery stores, convenience stores, and check cashing stores are all viable options for getting a payroll check cashed without going to a bank. While you can cash payroll checks at a number of different places, some have very strict rules, and you may incur some fees. Any time you cash a check, you will need to provide identification. Keep in mind that policies, limits, and fees may vary among locations, and if you want to be certain that you can cash your check without any problems or surprise fees, it’s always a good idea to call the store before you arrive.

“Where can I cash a handwritten payroll check?” We’ve noted wherever a company has specified that handwritten payroll checks are or are not allowed; if not noted, handwritten checks are handled on a case-by-case basis and policies may vary by location. If you do have a handwritten payroll check to cash, the best bet will be a place that also cashes personal checks. This list of payroll check cashing locations will help you quickly and easily find where to cash payroll checks.

In This Article:

  • Banks That Cash Payroll Checks

  • Convenience Stores That Cash Payroll Checks

  • Grocery Stores That Cash Payroll Checks

  • Super Stores That Cash Payroll Checks

  • Check Cashing Stores That Cash Payroll Checks

  • Places That Don’t Cash Payroll Checks

Banks That Cash Payroll Checks

Banks are the most common and practical places to cash payroll checks. Keep in mind that to cash a payroll check at a bank, you will typically either need an account at that bank, or the check must be drawn on an account at that bank. Generally, if you are a member of the bank, you won’t be charged anything for cashing a check. As a rule, you will need a valid, government-issued form of photo identification any time you cash a check.

1. Bank of America

  • Does Bank of America cash payroll checks? Yes
  • Maximum check amount that can be cashed: Generally up to $500 for non-account holders.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Varies by location, but typically closed Sunday.
  • Fees: $6
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at Bank of America? Bank of America states that they accept “some other types of checks” — specifications vary by branch, so call ahead to be sure a certain type of check is accepted.
  • Read the above and more on the Bank of America website
  • Find a location

2. Capital One

  • Does Capital One cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Most branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday.
  • Fees: No fees for checks under $100. Cashing a check over $100 will incur a $7 fee.
  • How money is disbursed: Typically cash only.
  • What other types of checks can be cashed at Capital One? Capital One will cash nearly any type of check, as long as the customer has an account or the check is drawn from a Capital One account.
  • Read the above and more on the Capital One website
  • Find a location

3. Chase

  • Does Chase cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license.
  • Hours: Most stores are open 9 AM to 6 PM Monday through Friday, 9 AM to 2 PM on Saturday, and closed on Sunday.
  • Fees: No fees as a member. For non-members, cashing a check will cost $8.
  • How money is disbursed: Typically cash only.
  • What other types of checks can be cashed at Chase? Chase will cash nearly any type of check, as long as the customer has an account or the check is drawn from a Chase account.
  • Read the above and more on the Chase website
  • Find a location

4. Citibank

  • Does Citibank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license.
  • Hours: Most stores are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday.
  • Fees: No fees as a member. For non-members, cashing a check is free as long as it is under $5,000.
  • How money is disbursed: Typically cash only.
  • What other types of checks can be cashed at Citibank? Citibank will cash nearly any type of check, as long as the customer has an account or the check is drawn from a Citibank account.
  • Read the above and more on the Citibank website
  • Find a location

5. Fifth Third Bank

  • Does Fifth Third Bank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Many branches open 8 AM to 5 PM Monday through Friday, and closed Saturday and Sunday.
  • Fees: Fifth Third Bank charges 1% of the check amount with a $4 maximum. This information was obtained by contacting Fifth Third customer service and is not disclosed on the Fifth Third website.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at Fifth Third Bank? Personal, government, tax, cashier
  • Read the above and more on the Fifth Third Bank website
  • Find a location

6. First National Bank

  • Does First National Bank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Many branches are open 9 AM to 4 PM Monday through Thursday, 9 AM to 6 PM Friday, and closed Saturday and Sunday.
  • Fees: No fees for a member. Fees for non-members may vary by branch — contact your local First National branch for more details.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at First National Bank? Personal, government, tax, cashier
  • Read the above and more on the First National Bank website
  • Find a location

7. HSBC

  • Does HSBC cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Many branches are open 9 AM to 4 PM Monday through Friday, and closed Saturday and Sunday.
  • Fees: A fee applies for cashing a business check as a non-customer; rates may vary by branch. Contact your nearest HSBC location for details.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at HSBC? Personal, government, tax, cashier
  • Read the above and more on the HSBC website
  • Find a location

8. SunTrust Bank

  • Does SunTrust Bank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Many branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM Friday, and closed Saturday and Sunday.
  • Fees: According to the SunTrust website, check cashing fees are 1-3% of the value of the check, depending on the type of check
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at SunTrust Bank? Personal, payroll, government, tax, cashier, and more (“almost any” type of check is accepted)
  • Read the above and more on the SunTrust Bank website
  • Find a location

9. TD Bank

  • Does TD Bank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license or passport.
  • Hours: Many branches are open 8 AM to 7 PM Monday through Friday, 9 AM to 3 PM Saturday, and 11 AM to 3 PM Sunday.
  • Fees: No fees for a member; $7 per check for non-customers.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at TD Bank? Personal, government, tax, cashier
  • Read the above and more on the TD Bank website
  • Find a location

10. U.S. Bank

  • Does U.S. Bank cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license, military ID, or passport.
  • Hours: Most stores are open 9 AM to 6 PM Monday-Friday, 9 AM to 12 PM on Saturday, and closed on Sunday.
  • Fees: No fees as a member. For non-members, cashing a check is $5.
  • How money is disbursed: Typically cash only.
  • What other types of checks can be cashed at U.S. Bank? U.S. Bank will cash nearly any type of check, as long as the customer has an account or the check is drawn from a U.S. Bank account.
  • Read the above and more on the U.S. Bank website
  • Find a location

11. Wells Fargo

  • Does Wells Fargo cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum.
  • What you need to bring: You will need a form of photo identification, such as a driver’s license.
  • Hours: Most stores are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday.
  • Fees: No fees as a member. For non-members, cashing a check will cost $7.50.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at Wells Fargo? Wells Fargo will cash nearly any type of check, as long as the customer has an account or the check is drawn from a Wells Fargo account.
  • Read the above and more on the Well Fargo website
  • Find a location

Convenience Stores That Cash Payroll Checks

Convenience stores often offer paycheck cashing. Remember, you will need a valid, government-issued form of photo identification any time you cash a check.

12. 7-Eleven

  • Does 7-Eleven cash payroll checks? Yes
  • Maximum check amount that can be cashed: None specified, but may vary by location.
  • What you need to bring: No identification needed to cash the check at an ATM.
  • Hours: 24 hours a day for the ATM.
  • Fees: Typically about 1% of the check’s value.
  • How money is disbursed: Cash, but customers can also choose a prepaid card.
  • What other types of checks can be cashed at 7-Eleven? Cashier’s checks, government checks, insurance settlement checks, and income tax refund checks.
  • Read the above and more on the 7-Eleven website.
  • Find a location (be sure to check the box for “ATM” under “Filter Stores by Feature” before you search)

Grocery Stores That Cash Payroll Checks

Many grocery stores offer check cashing services, including payroll check cashing. Grocery stores are a convenient place to cash payroll checks because you can cash your check at the same time that you’re doing your grocery shopping. Plus, there are groceries stores of all kinds everywhere you go. As a rule, you will need a valid, government-issued form of photo identification any time you cash a check, and at grocery stores, you will sometimes need additional forms of identification. Here are a few different grocery stores where you can cash your payroll checks.

13. Food Lion

  • Does Food Lion cash payroll checks? Yes
  • Maximum check amount that can be cashed: Up to $500.
  • What you need to bring: You will need your Social Security Number and valid form of identification, including a driver’s license, state-issued photo identification card, Native American Tribal Photo ID, or military ID.
  • Hours: Open 7 AM to 11 PM every day at most stores.
  • Fees: Call the nearest Food Lion store to find out the fees to cash a payroll check. Rates will vary among locations.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at Food Lion? Personal checks can also be cashed at Food Lion. Handwritten payroll checks are not accepted.
  • Read the above and more on the Food Lion website
  • Find a location

14. Fred Meyer

  • Does Fred Meyer cash payroll checks? Yes
  • Maximum check amount that can be cashed: The maximum is $5,000.
  • What you need to bring: You will need your Social Security Number and valid form of identification, such as a driver’s license.
  • Hours: Open 7 AM to 10 PM every day at most stores.
  • Fees: Either $3 for checks up to $2,000 or $5 for checks from $2,001 to $5,000.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at Fred Meyer? Fred Meyer will also cash government checks.
  • Read the above and more on the Fred Meyer website
  • Find a location

15. Kroger

  • Does Kroger cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum, but check cashing can be denied at the store manager’s discretion.
  • What you need to bring: You will need your Social Security Number and valid form of identification.
  • Hours: Most stores open 6 AM to 12 AM every day.
  • Fees: Either $3 or $5
  • How money is disbursed: Cash or prepaid debit card. Customers must load the money onto the card during the same transaction as the check cashing. With the prepaid card option, the loading fee for the card is waived (but the check cashing fee still applies).
  • What other types of checks can be cashed at Kroger? Kroger will also cash government checks, tax return checks, and insurance checks.
  • Read the above and more on the Kroger website
  • Find a location

16. Ralphs

  • Does Ralphs cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum, but check cashing can be denied at the store manager’s discretion.
  • What you need to bring: You will need your Social Security Number and valid form of identification. Other policies may vary by location.
  • Hours: Hours vary by location. Many stores are open 6 AM to 12 AM.
  • Fees: Typically either $3 or $5, but may vary by location.
  • How money is disbursed: Cash, or, at some locations, a prepaid debit card. With the prepaid card option, the loading fee for the card is waived (but the check cashing fee still applies).
  • What other types of checks can be cashed at Ralphs: Government checks, tax refund checks, insurance checks, corporate checks, and, at some locations, personal checks.
  • Read the above and more on the Kroger website (Kroger owns Ralphs)
  • Find a location

17. Stop and Shop

  • Does Stop and Shop cash payroll checks? Yes
  • Maximum check amount that can be cashed: Varies by store
  • What you need to bring: Customers must show either a driver’s license, a military ID, or a state-issued identification card.
  • Hours: Varies from store to store. Some are open 24 hours.
  • Fees: Varies by location.
  • How money is disbursed: Funds are deposited into a Payroll and Business Check Cashing card.
  • What other types of checks can be cashed at Stop and Shop? Stop and Shop also cashes government checks. Handwritten payroll checks are not accepted.
  • Read the above and more on the Stop and Shop website.
  • Find a location

18. Publix

  • Does Publix cash payroll checks? Yes
  • Maximum check amount that can be cashed: No listed maximum. Policies will vary by location.
  • What you need to bring: You will need Social Security Number and valid form of identification, including a driver’s license, state-issued photo identification card, or military ID.
  • Hours: Most stores open from 7 AM to 10 PM every day.
  • Fees: Call or visit the nearest Publix store to find out the fees to cash a payroll check. Rates will vary by location.
  • How money is disbursed: The customer can get the check in cash or on a reloadable debit card
  • What other types of checks can be cashed at Publix? Publix also cashes personal checks.
  • Read the above and more on the Publix website
  • Find a location

19. WinCo

  • Does WinCo cash payroll checks? Yes
  • Maximum check amount that can be cashed: Up to $1,000.
  • What you need to bring: You will need Social Security Number and valid form of identification, including a driver’s license, state-issued photo identification card, Native American Tribal Photo ID, or military ID.
  • Hours: Most stores open 24 hours every day.
  • Fees: A $5 token will be taken as a fee to cash checks up to $500; a $10 token fee will be incurred on checks up to $1,000. You can later redeem these tokens on WinCo purchases.
  • How money is disbursed: Cash only.
  • What other types of checks can be cashed at WinCo? Only printed payroll checks can be cashed at WinCo. Handwritten payroll checks are not accepted. Only two checks accepted during a seven-day period.
  • Read the above and more on the WinCo website
  • Find a location

Super Stores That Cash Payroll Checks

Super stores are popular check cashing locations because they are everywhere and they are easily recognizable. Find out about payroll check cashing options at the most popular super stores in the United States. As a rule, you will need a valid, government-issued form of photo identification any time you cash a check.

20. Walmart

  • Does Walmart cash payroll checks? Yes
  • Maximum check amount that can be cashed: Up to $5,000. Note: This is the policy published on the Walmart website, but some customers have reported that not every Walmart store has the same policies. If you have a check for more than $2,000, we recommend that you contact the nearest Walmart location to confirm that it can be cashed.
  • What you need to bring: You will need a valid form of identification such as a driver’s license or state ID card, US Passport, or military ID.
  • Hours: Many locations open 24 hours every day.
  • Fees: $3 for checks up to $1,000 and $6 for checks over $1,000.
  • How money is disbursed: Via cash or a Walmart MoneyCard.
  • What other types of checks can be cashed at Walmart? Government checks, tax checks, cashiers’ checks, insurance checks, and 401(k) checks can be cashed at Walmart. Cash checks at any checkout counter.
  • Read the above and more on the Walmart website
  • Find a location

21. Kmart

  • Does Kmart cash payroll checks? Yes
  • Maximum check amount that can be cashed: Up to $2,000.
  • What you need to bring: You will need a valid form of identification such as a driver’s license or state ID card, US Passport, military ID, green card, tribal ID, or Mexican Matricula Consular.
  • Hours: Most stores open 24 hours every day.
  • Fees: $1 or less.
  • How money is disbursed: Cash or prepaid card.
  • What other types of checks can be cashed at Kmart? Government and personal checks can be cashed at Kmart.
  • Read the above and more on the Kmart website
  • Find a location

Check Cashing Stores That Cash Payroll Checks

The most obvious answer to where you can cash a check is a check-cashing store. Many of these places will be local, so you will have to do some research to see what is near you. If there are multiple options, you may want to review the website or call to see what fees you will be responsible for. Once you have a place, it is as easy as stopping in with identification and speaking with someone in the store. Keep in mind that you may still want to check out places that are local to you, but here are a few national check-cashing stores that would be good options.

22. ACE Cash Express

  • Does ACE Cash Express cash payroll checks? Yes
  • Maximum check amount that can be cashed: No maximum.
  • What you need to bring: You will need a valid form of identification such as a driver’s license or state ID card, passport, or military ID.
  • Hours: Most stores open 9 AM to 7 PM Monday through Thursday, 9 AM to 8 PM on Friday, 10 AM to 5 PM on Saturday, and closed Sunday.
  • Fees: Visit ACE Cash Express or call to find out check cashing fees. Rates will vary.
  • How money is disbursed: Cash or prepaid card.
  • What other types of checks can be cashed at ACE Cash Express? Government, personal, tax refund, and insurance settlement checks at ACE Cash Express. ACE will also cash checks made out to a company. ACE Cash Express specializes in hard-to-cash checks, as well as money orders.
  • Read the above and more on the ACE Cash Express website
  • Find a location

23. Check Into Cash

  • Does Check Into Cash cash payroll checks? Yes
  • Maximum check amount that can be cashed: Varies by state.
  • What you need to bring: You will need a valid form of identification such as a driver’s license or state ID card, passport, or military ID.
  • Hours: Most stores open 10 AM to 6 PM Monday through Friday, 10 AM to 3 PM on Saturday, and closed on Sunday.
  • Fees: Varies by state. Visit the Check Into Cash website for information regarding each state. Rates will vary.
  • How money is disbursed: For this, customers are given a check-cashing card with $2.00 enrollment card fee. But to reload is free.
  • What other types of checks can be cashed at Check Into Cash? Payroll checks, government checks, tax refunds, and cashier’s checks. Payday loans are also available through Check Into Cash.
  • Read the above and more on the Check Into Cash website
  • Find a location

24. Speedy Cash

  • Does Speedy Cash cash payroll checks? Yes
  • Maximum check amount that can be cashed: No maximum.
  • What you need to bring: You will need a valid form of identification such as a driver’s license or state ID card, passport, or military ID.
  • Hours: Most stores open 8 AM to 8 PM Monday through Thursday, 8 AM to 9 PM Friday and Saturday, and 10 AM to 4 PM on Sunday.
  • Fees: Visit Speedy Cash or call to find out check cashing fees. Rates will vary.
  • How money is disbursed: Cash, or a prepaid Visa debit card.
  • What other types of checks can be cashed at Speedy Cash? Government, tax return, bonus, insurance, benefit, unemployment, student loan, settlement, bank draft, 401(k) and IRA, loan, cashier’s, and money order checks.
  • Read the above and more on the Speedy Cash website
  • Find a location

Places That Don’t Cash Payroll Checks

Did we skip one of your go-to grocery stores or retailers? So you don’t have to wonder whether they were just left off the list, here are a number of places that do not offer payroll check cashing.

Acme Markets

Albertsons

Aldi

BJ’s Wholesale Club

Copps

Costco

CVS

Dollar General

D&W Fresh Market

Food 4 Less

Gelson’s

Heinen’s

JayC Foods

Safeway

Sam’s Club

Shaw’s

Speedway

Tom Thumb

Walgreens

Whole Foods

Vons

Winn-Dixie

Armed with this information, you are ready to find the right place to cash a payroll check in your area. If you are a member of a bank that is local, that would be the easiest way to cash a payroll check. However, when going to a bank isn’t an option, there are plenty of other places to cash payroll checks.

If you were wondering about “Places to cash payroll checks near me” you should now be in good shape.

If you need to cash a personal check, instead of a payroll check, read our article, 26 Places That Cash Personal Checks. Need a check cashed at midnight? Here is a list of places that do 24 Hour Check Cashing.