Cashing your income tax refund check may be the most fun part of doing taxes. (Or, let’s face it, perhaps the only fun part of doing taxes!) But where do you go to turn that check into money in your pocket? The answers range from obvious to surprising. If you’re wondering, “Where can I cash my tax refund check?” here’s the article for you…

In This Article:

  • Banks and Credit Unions That Cash Tax Refund Checks

    • Find a Bank to Cash Checks For Non-Customers
    • Open an Account
  • Stores That Cash Tax Refund Checks

  • Payday Loan and Check Cashing Stores That Cash Tax Refund Checks

Banks and Credit Unions That Cash Tax Refund Checks

If you have an account at a bank or credit union, they will happily cash your check for you, usually without fees.

However, if you don’t have an account, don’t give up on them yet. You have two options: Find a bank that will cash checks for non-customers, or open an account.

Find a Bank to Cash Checks For Non-Customers

Not all banks are willing to cash checks for non-customers, but many do, especially if your check is from a reliable source, such as the government. We found that the following national banks will cash tax refund checks for non-customers. Even so, keep in mind that bank policies can vary from branch to branch, so be sure to check with a local branch to be sure.

Note: We found the following information either directly from the bank’s website or by contacting a customer service representative.

1. American Heritage Federal Credit Union

  • Fee For Non-Customers: $5.
  • Check Amount Limit: None.
  • Materials Needed: Two forms of ID.
  • Find Your Local Branch here. 

2. Capital One

  • Fee For Non-Customers: $7.
  • Check Amount Limit: Varies by branch.
  • Materials Needed: Two forms of government ID. 
  • Find Your Local Branch here.

3. Citibank

  • Checking Cashing Fee for Non-Customers: None.
  • Check Amount Limit: According to a bank representative, there is a limit, but they do not make the amount public.
  • Materials Needed: Driver’s license and social security card
  • Find Your Local Branch here.

4. Fifth Third Bank

  • Checking Cashing Fee for Non-Customers: Yes; depends on amount and type of check.
  • Check Amount Limit: $5,000.
  • Materials Needed: Government ID, such as a driver’s license or passport.
  • Find Your Local Branch here

5. HSBC

Note: Not all HSBC branches will cash government checks for non-customers. Contact your local branch to find out whether they will.

  • Checking Cashing Fee for Non-Customers: Varies by branch
  • Check Amount Limit: Varies by branch
  • Materials Needed: Government ID; other requirement may vary by branch.
  • Find Your Local Branch here.

6. PNC Bank

  • Check Cashing Fee for Non-Customers: Can be up to $10.
  • Check Amount Limit: $500.
  • Materials Needed: Driver’s license and another form of ID (credit card, debit card, etc.).
  • Find Your Local Branch here.

7. Wells Fargo

  • Check Cashing Fee for Non-Customers: According to a bank representative, there may be a $7.50 fee.
  • Check Amount Limit: $10,000. Checks above this amount may be redeemable for a cashier’s check.
  • Materials Needed: Two forms of ID, including one government-issued photo ID.
  • Find Your Local Branch here.

Open an Account

You may want to consider opening a bank account and funding it with all or part of your tax return. In addition to providing check cashing, bank accounts allow you to track your money with monthly statements, keep your earnings in a secure location, access ATMs, directly deposit your money (often including tax refunds) and, with most accounts, earn interest.

  • What to Look For: Accounts that offer low/no fees and low required minimum balances.
  • Where to Look: Accounts with major national banks usually have monthly fees if you keep less than a specified amount in the account at any given time. You may have better luck finding low fees through a small, local bank or credit union.
  • What Do You Need to Open An Account? Generally, you will need a government-issued photo ID to open an account. You will also need to provide the bank with your personal information (social security number, address, etc.).
  • How to Get Your Money: Once you have an account, you can either cash your check directly or deposit it and withdraw it later from a branch or ATM.

Stores That Cash Tax Refund Checks

Many large grocery chains and retailers cash checks for a small fee. Information not found through on store websites was obtained by speaking with store representatives.

1. Food Lion

  • Fee Policy: Varies by state. Fees are posted in each store.
  • Check Amount Limit: $1,000.
  • What You Need: Government ID.
  • Read About Food Lion’s Check Cashing Policies here
  • Find Your Local Food Lion here

2. Fred Meyer (Through Western Union)

  • Fee Policy: $3 for checks up to $2,000; $5 for checks up to $5,000.
  • Check Amount Limit: $5,000.
  • What You Need: Government ID and your social security number.
  • Read About Fred Meyer’s Check Cashing Policies here
  • Find Your Local Fred Meyer here

3. Kmart

  • Fee Policy: Free in CT, DE, GA, NJ, NV, PA, PR, SC, WA, and GU; $0.50 in IL and RI; $1 everywhere else.
  • Check Amount Limit: $2,000.
  • What You Need: Government ID.
  • Read About Kmart’s Check Cashing Policies here
  • Find the Nearest Kmart with Check Cashing here

4. Kroger

  • Fee Policy: $1 for checks up to $150; $3 for checks up to $2,000; $5 for checks over $2,000.
  • Check Amount Limit: $3,000 in a week.
  • What You Need: Your social security number or a taxpayer ID number, and a government-issued ID.
  • Read About Kroger’s Check Cashing Policies here
  • Find Your Local Kroger here

5. Safeway

  • Fee Policy: $2.25 for every every $200 you cash.
  • Check Amount Limit: $1,499.99.
  • What You Need: Government ID, such as a passport or driver’s license.
  • Learn More About Safeway’s Check Cashing Policies By Calling (877) 258-2799.
  • Find Your Local Safeway here

6. Walmart

  • Fee Policy: $3 for checks up to $1,000; $6 for checks from $1,000 to $5,000.
  • Check Amount Limit: $5,000.
  • What You Need: Government-issued photo ID.
  • Read About Walmart’s Check Cashing Policies here
  • Find Your Local Walmart here

    Payday Loan and Check Cashing Stores That Cash Tax Refund Checks

Payday loan and check cashing stores are also happy to cash your tax refund check, but you will pay for it, as fees are much higher than those charged by banks or retailers. Rates vary by location, so we have not included them here. Some may offer better rates for government-issued checks, but you may still want to consider other options. If you do use one of these businesses, you will probably need some form of ID, although certain companies may waive that requirement if you have other identifying information.

1. Ace Cash Express

  • Learn More About Ace Cash Express’s Check Cashing here

2. Advance Pay USA

  • Learn More About Advance Pay USA’s Check Cashing here

3. Cash America (Payday Advance and Cashland stores)

  • Learn More About Cash America’s Check Cashing here

4. Check Into Cash

  • Learn More About Check Into Cash’s Check Cashing here

5. Check ‘n Go

  • Learn More About Check ‘n Go’s Check Cashing here

6. Speedy Cash

  • Learn More About Speedy Cash’s Check Cashing here

 In Summary

If you need to cash your tax refund check, you have many options, from banks to grocery stores to check cashing stores. Wherever you go, be prepared to show one or more forms of ID, and be ready to pay a fee at most places if you are not using your own bank. If you come prepared with your tax refund check and appropriate ID, you can leave with cash in hand!