Sometimes standard banking hours just don’t cut it. Fortunately, there are many banking solutions for night owls. If you cannot use daytime check cashing services due to professional or personal obligations (or maybe you just forgot!), there are plenty of great options for late night check cashing. Read this article to find places to cash a check after normal business hours have ended.

In This Article

  • You Can Cash Your Check Late at Night with These Apps and ATMs

  • Convenience, Discount, and Grocery Stores That Cash Checks Late at Night

  • Check Cashing Stores That Cash Checks Late at Night

You Can Cash Your Check Late at Night with These Apps and ATMs

Bank ATMs and mobile apps are a financial lifesaver when you need to cash a check when the bank is closed. Both of these options, although they don’t provide you with cash-in-hand on the spot, are a great way to get a check deposited quickly so you can have access to your cash — sometimes within just one business day. Keep in mind that you must be a banking customer to enjoy these services, so consider opening an account with one of the following banks to enjoy 24/7 check cashing convenience.

1. Bank of America

  • ATM
    • Check types accepted: Personal, payroll, and government; foreign checks not accepted.
    • Limit amount: Up to 10 checks can be posted during each visit.
    • Check cashing info: Funds are immediately deposited. Funds from checks deposited by 8:00 PM are available the same business day.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

2. Bank of the West

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Up to 30 checks can be deposited during each transaction.
    • Check cashing info: Funds are immediately deposited.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

3. Capital One 360

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

4. Chase

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Up to 30 checks can be posted during each transaction.
    • Check cashing info: Funds are immediately deposited.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier checks
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

5. Citibank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

6. Citizens Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited. Funds from check deposits after 10:00 PM are available the next business day.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

7. Discover Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately. Mobile and mail deposits accepted.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

8. Fifth Third Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately. Funds can be deposited by mobile app.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

9. First National Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

10. HSBC

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

11. M&T Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

12. SunTrust Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: No limits.
    • Check cashing info: Funds immediately deposited. Funds deposited by 9:00 PM are posted the same business day. Afterward, funds are posted the next business day.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

13. TD Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Up to 30 checks can be deposited during each transaction.
    • Check cashing info: Funds deposited immediately.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

14. U.S. Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax.
    • Limit amount: Up to 30 checks per transaction.
    • Check cashing info: Funds available immediately.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

15. Wells Fargo Bank

  • ATM
    • Check types: Personal, payroll, government, cashier, and tax.
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately.
    • Find an ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier.
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the mobile app

Convenience, Discount, and Grocery Stores That Cash Checks Late at Night

Your local grocery, discount, or convenience store is a great place to cash a check. These stores commonly accept payroll checks, and some allow personal checks. Be aware that stores tend to have check limits in place, and you may have to pay a nominal fee for the service. Even so, your neighborhood store can help put cash in your pocket, even when it’s long past traditional banking hours.

16. Food Lion

  • Late hours: Varies. Most locations open until 10:00 PM.
  • Check types: Personal, payroll, government, rebate, tax, and U.S. Traveler’s Checks.
  • Limit amount: Up to $500. Payroll check limit is up to $1,000.
  • Fees: Not specified.
  • Requirements: Valid photo ID
  • Check cashing info: Check issuer’s signature must be handwritten, computer printed, or stamped. Handwritten payroll checks are not accepted.
  • Get more information
  • Find a location

17. Fred Meyer

  • Late hours: Varies. Most locations open until 9:00 PM.
  • Check types: Payroll and government.
  • Limit amount: Up to $5,000.
  • Fees: $3 for checks up to $2,000 and $5 for checks $2,000.01 to $5,000.
  • Requirements: Valid state or government photo ID and Social Security number.
  • Check cashing info: Funds available immediately.
  • Get more information
  • Find a location

18. Giant Eagle

  • Late hours: Varies. Most locations are open until 11:00 PM.
  • Check types: Personal, payroll, government, and U.S. Traveler’s Checks.
  • Limit amount: $30 for personal checks, and $100 for traveler’s checks. No limit specified for government checks.
  • Fees: Not specified.
  • Requirements: Must have a valid Giant Eagle Advantage card.
  • Check cashing info: Checks must be endorsed in front of an authorized Giant Eagle employee. Name on the check must match the name on the Giant Eagle Advantage card.
  • Get more information
  • Find a location

19. Hannaford

  • Late hours: Most locations open until 9:00 PM.
  • Check types: Payroll, government, and pension.
  • Limit amount: Not specified.
  • Fees: Not stated.
  • Requirements: Requires proper identification and check cashing application approval.
  • Check cashing info: Cashier’s checks, starter checks, money orders, tax checks, two-party and post-dated checks are not accepted.
  • Get more information
  • Find a location

20. Kmart

  • Late hours: Most locations open until 10:00 PM.
  • Check types: Personal, payroll, government, and tax refund checks.
  • Limit amount: Personal checks (two-party) up to $500;
  • Fees: $0 to $1, depending on store location.
  • Requirements: Not specified.
  • Check cashing info: N/A.
  • Get more information
  • Find a location

21. Kroger

  • Late hours: Varies. Most locations open until 9:00 PM.
  • Check types: Payroll, government, corporate, insurance, and tax refund checks.
  • Limit amount: Not specified.
  • Fees: $3 or $5.
  • Requirements: Not specified.
  • Check cashing info: Funds can be loaded directly onto a prepaid reloadable card.
  • Get more information
  • Find a location

22. Meijer

  • Late hours: Varies. Most locations open until 11:00 PM.
  • Check types: Personal, payroll, government, tax refund, and Western Union money orders.
  • Limit amount: Up to $1,999, depending on the check.
  • Fees: Not specified.
  • Requirements: Customers may be required to submit to fingerprinting to gain check cashing privileges.
  • Check cashing info: Personal checks must be used to purchase store items, and customers can receive up to $25 cash back.
  • Get more information
  • Find a location

23. Publix

  • Late hours: Varies. Most locations open until 10:00 PM.
  • Check types: Personal and payroll.
  • Limit amount: Not specified.
  • Fees: Not specified.
  • Requirements: State or government photo ID.
  • Check cashing info: N/A.
  • Get more information
  • Find a location

24. Ralphs

  • Late hours: Varies. Most locations open until 12:00 AM.
  • Check types: Payroll, government, corporate, insurance, and tax refund checks.
  • Limit amount: Not specified.
  • Fees: $3 or $5.
  • Requirements: Not specified.
  • Check cashing infoNot specified. Ralph’s is owned by Kroger.
  • Get more information
  • Find a location

25. Speedway

  • Late hours: Varies. Many locations are open 24 hours.
  • Check types: Varies by location.
  • Limit amount: Not specified.
  • Fees: Varies by location.
  • Requirements: Some locations require funds be deposited directly onto a NetSpend Rewards Card.
  • Check cashing info: N/A.
  • Get more information
  • Find a location

26. Walmart

  • Late hours: Varies. Some locations open until 11:00 PM, and some are open 24 hours.
  • Check types: Payroll, government, cashier, insurance, 401(k), and Walmart-purchased MoneyGram money orders.
  • Limit amount: Varies. Some locations cash up to $2,000, and some cash up to $5,000.
  • Fees: $3 for checks up to $1,000, and $6 for checks $1,000.01+
  • Requirements: Valid identification.
  • Check cashing info: Funds can be deposited directly onto a Walmart MoneyCard.
  • Get more information
  • Find a location

27. WinCo

  • Late hours: Most locations open 24 hours.
  • Check types: Payroll.
  • Limit amount: Up to $1,000.
  • Fees: $5 for checks up to $500, and $10 for checks up to $1,000.
  • Requirements: Valid ID and employment verification required to gain check cashing privileges.
  • Check cashing info: Handwritten payroll checks, two-party loan checks, and checks over 30 days old are not accepted.
  • Get more information
  • Find a location

Check Cashing Stores That Cash Checks Late at Night

Check cashing stores are a convenient option when traditional banking services are not accessible. Check cashing stores stay open longer than banks, and they typically cash payroll and other checks. However, keep in mind that fees for cashing checks can be hefty through check cashing companies. Call ahead to learn more about these fees, as they vary by location. Be sure to bring valid photo ID with you for verification.

28. Check Smart

  • Late hours: Varies. Many locations open 24 hours. Some locations are open until 8:00 PM on Fridays only.
  • Check types: Not specified.
  • Limit amount: Not specified.
  • Fees: Varies.
  • Requirements: Not specified.
  • Check cashing info: Service available in these states: AZ, IN, KS, KY, MI, MO, OH, UT, VA.
  • Get more information
  • Find a location

29. United Check Cashing

  • Late hours: Monday – Thursday open until 8:00 PM; Friday open until 9:00 PM; Saturday open until 8:00 PM.
  • Check types: Payroll, government, business, insurance, rebate, and tax refund checks.
  • Limit amount: Not specified.
  • Fees: Varies.
  • Requirements: Not specified.
  • Check cashing info: Funds are available immediately.
  • Get more information
  • Find a location

In Summary

Cashing a check late at night is easier than ever. This is thanks to 24-hour bank ATM and mobile deposit services and the wide variety of grocery stores, convenience stores, discount stores, and check cashing companies with evening hours. Be aware of fees associated with cashing checks through stores or checking cashing companies, and remember to bring a valid photo ID along with you. There’s no business that will cash your check without a valid ID.