“Where can I cash personal checks?” It’s a question many of us have had at least at one point. The good news is that there are many places that cash personal checks. Knowing this is handy if you don’t have a bank account, if you want to cash a check during non-banking hours, you want to cash at some place closer than your bank, or you want your check cashed as quickly as possible. Keep reading to discover the major places to cash checks other than banks and credit unions (though we actually have included the list of banks and credit unions that cash checks for non-customers).

In This Article

Where to Cash Personal Checks

While the obvious one might be banks (and we’ll get to those shortly), there are many nationwide chain stores that will cash your check. Many of which carry more benefits than banks such as more convenient locations, longer hours (including Sundays and even 24 hours) and the ability to do other errands at that stop — like picking up a carton of milk.

Also included in this piece are alternative check cashing methods (such as signing a check over to a friend to cash). As mentioned earlier, also listed is what banks and credit unions charge for cashing a check to a non-customer. Finally, we list the largest check cashing places.

If you have a very specific type of check that needs cashed (or you need to find a place to cash your check no matter what time it is), you may find the following articles helpful:

13 Places to Cash a Two Party Check

11 Places to Cash a Third Party Check

15 Places That Cash MoneyGram Money Orders

24 24 Hour Check Cashing Places

Table of Places to Cash a Personal Check

Follow the link provided in the table for further details.

Can You Cash a Check at Any Bank or Credit Union?

When searching for places that cash personal checks, don’t forget about banks and credit unions (henceforth referred to simply as ‘banks’). Can you cash a check at any bank? In short, no: while you can cash any check at a bank where you have an account, a check can only be cashed by a non-customer at the bank that issued the check. For example, if someone hands you a check that’s drawn on Bank of America, you can take the check to any Bank of America branch to cash it, even if you don’t have an account there. All you need to do is…

  • Explain that you’re cashing a check issued by the bank. The bank will be able to verify the account it came from, because the institution has access to the account and can establish that the check will not bounce.
  • Show identification (sometimes two forms) and the cash is yours.

But there is the catch — fees. As with most places that cash personal checks, banks may have fees for non-customers:

1. Bank of America

  • Does Bank of America charge a fee to cash a personal check? $6 according to corporate customer service. Though this could not be confirmed on Bank of America’s website.
  • Find your nearest Bank of America

2. BB&T

  • Does BBT charge a fee to cash a personal check? Yes. If you do not have an account with BB&T and the check you are cashing is less than $50, there is no fee. If the check amount is greater than $50, the fee is $8.
  • Learn more about fees at BB&T here.
  • Find your nearest BB&T

3. BMO Harris Bank

4. Capital One

  • Does Capital One charge a fee to cash a personal check? Capital One does not charge a fee to cash checks drawn on a Capital One account.
  • Learn more about Capital One check cashing here.
  • Find your nearest Capital One

5. Chase Bank

  • Does Chase Bank charge a fee to cash a personal check? According to a Chase customer service representative, the fee is $8 for a non-customer to cash a check.
  • Find your nearest Chase Bank

6. Citi Bank

  • Does Citi Bank charge a fee to cash a personal check? Corporate customer service stated that it is free to cash a check for a non-account holder at Citi if the check value is less than $5,000. However, this could not be confirmed on Citi’s website.
  • Find your nearest Citi Bank

7. Fifth Third Bank

  • Does Fifth Third Bank charge a fee to cash a personal check? Corporate customer service stated that Fifth Third Bank charges 1% of the check amount with a $4 maximum. However, this could not be confirmed on the bank’s website.
  • Find your nearest Fifth Third Bank

8. HSBC

  • Does HSBC charge a fee to cash a personal check? Maybe. No information could be cited on HSBC’s website with regards to the fee associated with a non-account holder cashing a personal check. A live chat with a customer service associate revealed: “There is no fee associated with cashing of the check. However, the decision of cashing the check completely depends on the bank’s discretion.”
  • Find your nearest HSBC

9. Key Bank

  • Does Key Bank charge a fee to cash a personal check? Yes. An online chat with a Key Bank customer service rep revealed that a fee of $7 per check is charged no matter the amount of the check.
  • Find your nearest Key Bank

10. PNC Financial Services

11. SunTrust

12. TD Bank

  • Does TD Bank charge a fee to cash a personal check? Yes. According to the TD Community site’s question and answer page, there is a $7 check cashing fee per check. Fees subject to change and bring at least one piece of identification.
  • Find your nearest TD Bank

13. Wells Fargo

  • Does Wells Fargo charge a fee to cash a personal check? Yes. This bank’s community question and answer page has a complaint from a customer that they were going to be charged $7.50 to cash a check drawn on a Wells Fargo account. You can read the complaint and response from customer service here.
  • Find your nearest Wells Fargo

14. US Bank

  • Does US Bank charge a fee to cash a personal check? Corporate customer service stated that the fee per check at US Bank is $7. This could not be confirmed on the US Bank website.
  • Find your nearest US Bank

In order to get your money fee-free (or sometimes to even get your check cashed at all), many banks will encourage you to open a checking account or signup for other financial products.

To learn more about cashing a check without a bank account, see this article.

Check Cashing Places That Cash Personal Checks

Check cashing stores are convenient and will typically cash any type of check of any amount, including personal checks. However, a check cashing store often charges a high flat fee plus a percentage of the check amount to cover the risk associated with cashing a personal check. If you decide to utilize a check cashing place, you may want to call first to determine the exact fees you will pay before agreeing to have your check cashed at one of these places.

15. ACE Check Cashing

  • Does ACE cash personal checks? Yes
  • What other types of checks will ACE cash? Payroll checks, insurance checks, government checks, money orders
  • Check cashing fees? Unspecified
  • Open on Sunday? Find your nearest ACE Check Cashing
  • Anything else to know? Bring photo ID to cash a check. For more information go here.

16. Check Into Cash

  • Does Check Into Cash cash personal checks? Yes
  • What other types of checks will Check Into Cash store cash? Payroll checks, government checks, tax refunds, cashier’s checks and more.
  • Check cashing fees? Unspecified
  • Open on Sunday? Find your nearest Check Into Cash
  • Anything else to know? Read more about check cashing at the Check Into Cash here

17. Check Smart (AZ, IN, KA, KE, MI, MO, OH, UT, VA)

  • Does Check Smart cash personal checks? Yes
  • What other types of checks will Check Smart cash? Out of state checks, payroll checks, student loan checks, cashier’s checks and more.
  • Check cashing fees? Unspecified
  • Open on Sunday? Most locations are open on Sunday, however, some are not. Find your nearest Check Smart
  • Anything else to know? Bring photo ID. Read more about check cashing at Check Smart here

18. Friendly Check Cashing (North Carolina)

  • Does Friendly’s cash personal checks? Yes
  • What other types of checks will Friendly’s cash? Payroll checks, cashier’s checks, money orders, tax refunds, checks made payable to a company, government checks and more.
  • Check cashing fees? 10% of the check amount.
  • Open on Sunday? Find your nearest Friendly Check Cashing
  • Anything else to know? Read more about check cashing at Friendly Check Cashing here

19. Money Mart

  • Does Money Mart cash personal checks? Yes
  • What other types of checks will Money Mart cash? Government, small business, money orders, payroll and insurance checks.
  • Check cashing fees? Unspecified
  • Open on Sunday? Find your nearest Money Mart
  • Anything else to know? Read more about check cashing at Money Mart here

20. PLS Check Cashing

  • Does PLS cash personal checks? Yes
  • What other types of checks will PLS cash? Payroll, government, out-of-state and more.
  • Check cashing fees? As low as 1% of check amount plus $1.
  • Open on Sunday? Find your nearest PLS Check Cashing
  • Anything else to know? Read more about check cashing at PLS here

21. The Check Cashing Store (Florida)

  • Does the Check Cashing Store cash personal checks? Yes
  • What other types of checks will the Check Cashing store cash? Payroll, government, small business, personal, insurance and money orders.
  • Check cashing fees? Unspecified
  • Open on Sunday? Find your nearest The Check Cashing Store
  • Anything else to know? Read more about check cashing at the Check Cashing Store here

22. USA Check Cashing Store (California)

  • Does USA Check Cashing Store cash personal checks? The website does not specifically list personal checks as a type it will cash. However, the site does state “Our team is specially trained and committed to cashing all checks, no matter how big or how small the check amount is” so call your location first.
  • What other types of checks will USA Check Cashing cash? Payroll, taxes, insurance, settlements, government checks, cashier’s checks, ‘bonus checks’ and more.
  • Check cashing fees? Unspecified
  • Open on Sunday? Find your nearest USA Check Cashing Store
  • Anything else to know? You can register online to cash checks before you go to a USA Check Cashing Store. For more information go here. Read more about check cashing at USA Check Cashing here.

Stores That Cash Personal Checks

Because of the risk of personal checks bouncing, there aren’t many grocery stores, convenience stores or retailers that will cash personal checks. Retail locations have no way to confirm the bank account and confirm the funds are available to cover the amount of the check. Though the following are the stores that will cash personal checks:

23. Albertson’s

  • Does Albertson’s cash personal checks? Yes, up to $250.
  • What other types of checks will Albertson’s cash? Payroll checks and government checks. Individual stores may set their own limits.
  • Check cashing fees. No fees are provided in Albertson’s official policy, but an individual store could set its own fees.
  • Open on Sunday? Find your nearest Albertson’s.
  • Anything else to know? Bring a government issued, photo ID to cash a check. Albertson’s does offer bill pay and MoneyGram services. Read more about the financial services offered at Albertson’s here.

24. Giant Eagle

  • Does Giant Eagle cash personal checks? Yes, up to $30. You must either apply for or have a Giant Eagle Advantage Card to be able to cash checks. You can get a card at the customer service desk upon providing a government issued photo ID.
  • What other types of checks will Giant Eagle cash? Payroll, government, and traveler’s checks.
  • Check cashing fees? Giant Eagle doesn’t cite any check-cashing fees online. Call your nearest location to inquire about fees.
  • Open on Sunday? Find your nearest Giant Eagle
  • Anything else to know? Checks must be signed or endorsed by the card holder in the presence of an authorized Giant Eagle employee. The name on the check must agree with a name on the Giant Eagle Advantage Card account. For more information go here.

25. Kmart

  • Does Kmart cash personal checks? Yes, up to $500.
  • What other types of checks will Kmart cash? Government checks up to $2,000 and payroll checks up to $2,000.
  • Check cashing fees? $1; no fee in CT, DE, GA, NJ, NV, PA, PR, PC, WA, and GU. $.50 fee in RI and IL.
  • Open on Sunday? Find your nearest Kmart
  • Anything else to know? You will need an approved government issued ID to cash a check. For more information go here.

26. Publix

  • Does Publix cash personal checks? Yes, for up to $75 once a day.
  • What other types of checks will Publix cash? Payroll checks
  • Check cashing fees? Publix does not specify any check cashing fees on its website. Call your nearest location to inquire.
  • Open on Sunday? Find your nearest Publix
  • Anything else to know? To cash a check at Publix you must provide a driver’s license, state-issued photo identification card, or military identification. For more information go here.

27. Safeway

  • Does Safeway cash personal checks? Yes, up to $250.
  • What other types of checks will Safeway cash? Payroll checks and government checks. Individual stores may set their own limits.
  • Check cashing fees. No fees are provided in Safeway’s official policy, but an individual store could set its own fees.
  • Open on Sunday? Find your nearest Safeway.
  • Anything else to know? Bring a government issued, photo ID with you to cash a check. Safeway also offers other types of financial services such as money orders and bill pay. For more information go here.

28. Shaw’s

  • Does Shaw’s cash personal checks? Yes, up to $250.
  • What other types of checks will Shaw’s cash? Payroll checks and government checks. Individual stores may set their own limits.
  • Check cashing fees. No fees are provided in Shaw’s official policy, but an individual store could set its own fees.
  • Open on Sunday? Find your nearest Shaw’s.
  • Anything else to know? Bring a government-issued, photo ID with you to cash a check. Shaw’s does offer other financial services such as bill pay and MoneyGram. Find out more information here.

Places That Do Not Cash Personal Checks But Do Cash Other Types of Checks

The following are places that do not cash personal checks but will cash other types of checks:

Country Mart

  • Does Country Mart cash personal checks? No
  • What other types of checks does Country Mart cash? Payroll checks. No maximum check amount specified.
  • Check cashing fees? 2% of the total of the check amount, 1% of which is automatically rebated back to you as store credit.
  • Open on Sundays? Find your Nearest Country Mart.
  • Anything else to know? For more information go here.

Dillons

  • Does Dillons cash personal checks? No
  • What other types of checks will Dillons cash? Payroll checks, government checks, tax refund checks, insurance checks and corporate checks.
  • Check cashing fees? $3 to $5
  • Open on Sunday? Find your nearest Dillons
  • Anything else to know? You will need your social security number or individual taxpayer identification number and a current ID. For more information go here.

Food Lion

  • Does Food Lion cash personal checks? No, but you can pay with a personal check and collect up to $50 cash back.
  • What other types of checks will Food Lion cash? Payroll checks up to $1,000 (no handwritten payroll checks), Government or State Issued Tax Refund Checks, up to $1,000.00, with proper required Identification. Rebate checks and traveler’s checks up to $499.99.
  • Check cashing fees? Check cashing fees for Food Lion vary by state. Call or visit your nearest Food Lion location to inquire about its fees.
  • Open on Sunday? Find the nearest Food Lion
  • Anything else to know? You will need a current ID to cash a check. For more information go here.

Fred Meyer

  • Does Fred Meyer cash personal checks? No
  • What other types of checks will Fred Meyer cash? Government or payroll checks
  • Check cashing fees? $3 for checks up to $2,000 and $5 for checks $2,000.01 – $5,000
  • Open on Sunday? Find the nearest Fred Meyer.
  • Anything else to know? To cash checks at Fred Meyer, you will need a valid social security number and a valid form of government ID. For more information go here.

Fry’s Foods

  • Does Fry’s Foods cash personal checks? No
  • What other types of checks will Fry’s Foods cash? Payroll checks, government checks, tax refund checks, insurance checks and corporate checks. No maximum check amount specified.
  • Check cashing fees? $3 or $5, depending on the amount of the check.
  • Open on Sunday? Find the nearest Fry’s Foods
  • Anything else to know? You will need your social security number and a current ID to cash a check. For more information go here.

Hannaford

  • Does Hannaford cash personal checks? No
  • What other types of checks will Hannaford cash? Government, payroll, and pension checks that are considered regular income. These include social security and government weekly or biweekly payroll checks. Hannaford will not cash “one-time” checks, such as insurance claims, tax refunds, money orders, cashier’s checks, or two-party checks or handwritten payroll checks, starter and counter checks, or post-dated checks. No maximum check amount specified.
  • Check cashing fees? None specified, check with your local store.
  • Open on Sunday? Find the nearest Hannaford.
  • Anything else to know? You must complete an application with proper identification at a Hannaford store to be able to cash checks. It takes up to 5 business days for the application to be approved. For more information go here.

King Soopers

  • Does King Soopers cash personal checks? No
  • What other types of checks will King Soopers cash? Payroll checks, government checks, tax refund checks, insurance checks and corporate checks. No maximum check amount specified.
  • Check cashing fees? $3 or $5.
  • Open on Sunday? Find the nearest King Scoopers
  • Anything else to know? You will need your social security number and a current ID to cash a check. For more information go here.

Kroger

  • Does Kroger cash personal checks? No
  • What other types of checks will Kroger cash? Payroll checks, government checks, tax refund checks, insurance checks and corporate checks. No maximum check amount specified.
  • Check cashing fees? $3 or $5
  • Open on Sunday? Find the nearest Kroger
  • Anything else to know? You will need your social security number and a current ID to cash a check. For more information go here.

Market Basket

  • Does Market Basket cash personal checks? No
  • What other types of checks will Market Basket cash? Payroll checks. No maximum check amount specified.
  • Check cashing fees? No check cashing fee information is listed on Market Basket’s website. Call your location to inquire.
  • Open on Sunday? Find the nearest Market Basket
  • Anything else to know? You can also pay some utility bills at Market Basket and purchase Western Union money orders. For more information go here.

Meijer

  • Does Meijer cash personal checks? No, but you can get up to $25 cash back when you pay for your purchase with a personal check.
  • What other types of checks will Meijer cash? Payroll checks up to $1,000 and government checks up to $1,999.99. Both check types must not be dated more than 30 days prior. You can use traveler’s checks up to $100 for a purchase, but Meijer won’t cash them.
  • Check cashing fees? Meijer’s website notes “All payroll and government checks must be cashed at the Customer Service Desk and are subject to processing fees. Please see store for details.” No further details are listed. You may want to call your local Meijer to determine how much the fee will be.
  • Open on Sunday? Find the nearest Meijer
  • Anything else to know? For more information go here.

Ralphs

  • Does Ralphs cash personal checks? No.
  • What other types of checks will Ralphs cash? Payroll checks, government checks, tax refund checks, insurance checks, and corporate checks.
  • Check cashing fees? Either $3 or $5, depending on location
  • Open on Sunday? Find your nearest Ralphs
  • Anything else to know? Accepted forms of ID include U.S. Driver’s License, State-Issued ID, Temporary ID, Military ID and Resident Alien ID, Matricula Consular ID, Issued Passports, Tribal Nation ID and Reservation ID. For more information go here.

Walmart

  • Does Walmart cash personal checks? No
  • What other types of checks does Walmart cash? Payroll checks, government checks, tax checks, cashier’s checks, insurance settlement checks, 401(k) checks, retirement distribution checks and MoneyGram money orders that were purchased at Walmart. Please note that check-cashing policies may vary at individual Walmart locations.
  • Check cashing fee? $3 for checks up to and including $1,000 and $6 for checks over $1,000 up to and including $5,000
  • Open on Sunday? Find the nearest Walmart
  • Anything else to know? Walmart will not cash any of these checks if they have been handwritten. For more information go here.

Wegmans

  • Does Wegmans cash personal checks? Wegmans will accept personal checks when paying for a purchase but you must have a Shopper’s Club Card.
  • What other types of checks does Wegmans cash? Traveler’s checks up to a combined total of $500 and rebate checks up to $20.
  • Check cashing fee? Wegmans does not list any check cashing fees on its site. Call your nearest Wegmans to inquire about fees.
  • Open on Sunday? Find the nearest Wegmans
  • Anything else to know? Wegmans has a long list of types of checks it does not cash. For more information go here.

WinCo

  • Does WinCo cash personal checks? No
  • What other types of checks does WinCo cash? Payroll checks
  • Check cashing fee? $5 token fee for checks up to $500, $10 token fee for checks above $500. These token fee amounts can then be used toward the purchase of merchandise. For more information go here.
  • Open on Sunday? Find the nearest WinCo
  • Anything else to know? When cashing a payroll check, WinCo will need to verify your employment via telephone before cashing the check.

Places That Do Not Cash Checks of Any Kind

So you’re not left wondering, “But does that store cash checks?” we’ve included the stores that do not cash checks of any kind:

7-Eleven

  • Does 7-Eleven cash checks? According to its website, no mention of check cashing services is listed.
  • Any other money services? 7-Eleven does offer a few other financial services including a bill pay app and money orders. To read more about them go here.

Acme Markets

  • Does Acme Market cash checks? No
  • Any other money services? Acme does offer bill pay and MoneyGram services. Read more about the financial services offered at Acme here.

Aldi

  • Does Aldi cash checks? No
  • Any other money services? Read more about Aldi’s policies here.

BJ’s Wholesale Club

  • Does BJ’s Wholesale Club cash checks? No
  • Any other money services? Read more about BJ’s Wholesale Club here.

Copps

  • Does Copps cash checks? No
  • Any other money services? Read more about Copps here.

Costco

  • Does Costco cash checks? No
  • Any other money services? Read more about the personal and business services offered by Costco here.

CVS

  • Does CVS cash checks? No
  • Any other money services? CVS does provide MoneyGram services, gift card exchanges and reloadable payment cards. Read more about CVS money services here.

Dollar General

  • Does Dollar General cash checks? No
  • Any other money services? Read more about Dollar General here.

D&W Fresh Market

  • Does D&W Fresh Market cash checks? No
  • Any other money services? Read more about D&W here.

Food 4 Less

  • Does Food 4 Less cash checks? No
  • Any other money services? Food 4 Less does have Western Union money order services in-store. Read more about the financial services offered by Food 4 Less here.

Gelson’s

  • Does Gelson’s cash checks? No
  • Any other money services? Read more about Gelson’s here.

Heinen’s

  • Does Heinen’s cash checks? No
  • Any other money services? Read more about Heinen’s policies here.

JayC Foods

  • Does JayC Foods cash checks? No
  • Any other money services? JayC Foods does offer Western Union money order services in-store. Read more about JayC Foods’ money services here.

Sam’s Club

  • Does Sam’s Club cash checks? No
  • Any other money services? Read more about Sam’s Club here.

Speedway

  • Does Speedway cash checks? No
  • Anything other money services? Speedway has several rewards cards, both credit and prepaid. You can browse whats available here.

Target

  • Does Target cash checks? No
  • Any other money services? Target accepts checks as payment, but does not cash them. Find out more information here.

Tom Thumb

  • Does Tom Thumb cash checks? No
  • Any other money services? Tom Thumb does offer other financial services such as bill pay and money orders. Find out more information here.

Walgreens

  • Does Walgreens cash checks? No
  • Any other money services? Walgreens does offer Western Union money order services in-store. Read more about this Walgreens service here.

Whole Foods

  • Does Whole Foods cash checks? No
  • Any other money services? Read more about Whole Foods here.

Vons

  • Does Vons cash checks? No
  • Any other money services? Vons does offer other types of financial services such as Western Union and bill pay. For more information go here.

Winn-Dixie

  • Does Winn-Dixie cash checks? No
  • Any other money services? Western Union money transfers are offered in store. Read more about it here

Endorse the Check to a Friend or Family Member

Where can you cash personal checks? Try right at home! If you have a friend or family member with a bank account, you can sign a check over to them. Then they can cash it and give you the money. On the back of the check, write: Pay to the order of: [the persons name] then [your signature] below it. That’s all there is to it. Hopefully your friend or family member won’t charge you a fee!

In Summary

Not having a bank account doesn’t have to make daily life a challenge. As you’ve seen, places that cash personal checks are everywhere. Just be aware of the fees. By using this guide you’ll never again need to wonder where to cash personal checks.