22 Places With 24-Hour Check Cashing

Neon sign reading "Open 24 Hrs"

Need to cash a check after the bank has closed? We’ve rounded up the best ATMs, grocery stores, and check cashing places to help you cash your check at any time — day or night.

Comparison Table

Follow the link provided in the table for further details.

Place Type Type of Check Fees Need Account?
Bank of AmericaBank ATMs Any None Yes
Bank of the WestBank ATMs Most types None Yes
Capital One 360Bank ATMs Any paper check None Yes
ChaseBank ATMs All except foreign checks None Yes
CitibankBank ATMs Most types None Yes
Citizens BankBank ATMs Any None Yes
City National BankBank ATMs Any None Yes
Fifth Third BankBank ATMs Any None Yes
First National BankBank ATMs Any None Yes
M&T BankBank ATMs Any None Yes
Webster BankBank ATMs Any None Yes
TD BankBank ATMs Any None Yes
US BankBank ATMs Most endorsed checks None Yes
Valley National BankBank ATMs Any None Yes
Wells Fargo BankBank ATMs Most types issued by Wells Fargo None Yes
Tops Friendly MarketGrocery Varies $1 - $3 Not applicable
WalmartGrocery 401K, Payroll, Gov, Tax, Cashier, & more $4 - $8 Not Applicable
WincoGrocery Payroll $5 - $10 Not Applicable
Check Cashing USA (FL)Check Cashing Store Payroll, Personal, Gov, Tax, Insurance, Money order & more 3% Not Applicable
Community Financial Service CenterCheck Cashing Store Payroll, Gov, Tax, Insurance, Benefits & more Varies by Location Not Applicable
PLS Check CashingCheck Cashing Store Payroll, Personal, Gov, Tax, Benefits & more 1% + $1 Not Applicable
SpeedycashCheck Cashing Store Payroll, Personal, Gov, Tax, Insurance, Benefits & more Varies by Location Not Applicable

The List

Bank ATMs

You can cash checks at many bank ATMs. Technically it’s depositing and withdrawing, not cashing, but the outcome is the same.

You must be an account holder at the bank that owns the ATM. If you don’t have a bank account, scroll to the next section of this article.

Bank of America logo

1. Bank of America

Bank of the West logo

2. Bank of the West

Capital One logo

3. Capital One 360

Chase Bank logo

4. Chase

Citibank logo

5. Citibank

  • Types of check cashed: All are accepted except for double-endorsed checks, third-party checks, and some government checks.[8]
  • Fees: None[8]
  • Limits: Vary by ATM[8]
  • Find out more
  • Find an ATM

Citizens Bank logo

6. Citizens Bank

  • Types of check cashed: No restrictions[9]
  • Fees: None[9]
  • Limits: Up to $999,999.99 total in deposited checks;[9] deposits made after 10 p.m. will be posted the next working day[10]
  • Find out more
  • Find an ATM

City National Bank logo

7. City National Bank

Fifth Third Bank logo

8. Fifth Third Bank

First National Bank logo

9. First National Bank

M and T Bank logo

10. M&T Bank

TD Bank logo

11. TD Bank

US Bank logo

12. US Bank

Valley National Bank logo

13. Valley National Bank

14. Webster Bank

Wells Fargo logo

15. Wells Fargo Bank

  • Types of check cashed: Checks drawn on a U.S. bank, money orders, cashier’s checks, traveler’s checks, and Wells Fargo Superchecks[22]
  • Fees: None[22]
  • Limits: Vary by ATM[22]
  • Find out more
  • Find an ATM

Check-Cashing Stores

Be warned, while these stores will accomplish your mission, they cost the most of any of the places on this list and often charge a fee plus a percentage of the check.

Check Cashing USA logo

16. Check Cashing USA (FL only)

  • Types of check cashed: Payroll, personal, tax refund, government, insurance, money order, and more[23]
  • Fees: 3% of the check amount;[24] fees are always displayed in the individual lobbies of each franchise[23]
  • Limits: None[24]
  • Find out more
  • Find a store

Community Financial Services Center logo

17. Community Financial Service Center

PLS Check Cashing logo

18. PLS Transportation Services and Check Cashing

  • Types of check cashed: Payroll, personal, tax refund, government, out-of-state, benefits, and more[27]
  • Fees: Starting from 1% + $1 for checks less than $1,000; rates vary for greater amounts[27]
  • Limits: $1,000[28]
  • Find out more
  • Find a store

Speedy Cash logo

19. Speedy Cash

  • Types of check cashed: Payroll, personal, tax refund, government, insurance, benefits, and more[29]
  • Fees: Vary by state, starting at $2; typically 2% to 2.5% of payroll and government checks[30]
  • Limits: Varies by location[30]
  • Find out more
  • Find a store

Grocery Stores That Cash Checks 24 Hours a Day

Tops Friendly Markets logo

20. Tops Friendly Market

  • Types of checks cashed: Varies by location[31]
  • Limits: Varies by location and type of check[31]
  • Fees: $1 per check in New York; $3 per check in Pennsylvania[31]
  • Find out more
  • Find a store; Note: Some locations are open 24 hours, but some close between 10 p.m. and 12 a.m

Walmart logo

21. Walmart

  • Types of check cashed: Payroll, government, tax return, insurance, 401(k), retirement distribution, cashier’s checks, and MoneyGram money orders purchased at Walmart[32]
  • Limits: Usually up to $5,000[32]
  • Fees: Up to $4 for checks less than $1,000; up to $8 for checks over $1,000 up to $5,000[32]
  • Find out more
  • Find a store

Note: While some checks can be cashed at the register, which is open whenever the store is, not all registers are prepared to cash checks, in which case you’ll have to cash the check at Walmart’s MoneyCenter or Customer Service desk. The hours at the MoneyCenter and Customer Service may be shorter than regular store hours. This means that large checks usually can’t be cashed late — the register doesn’t keep a lot of cash on hand.

Winco Foods logo

22. WinCo

  • Types of check cashed: Machine-printed payroll checks[33]
  • Limits: $1,000[33]
  • Fees: $5 for checks up to $500, $10 for checks up to $1,000. Your $5 or $10 fee can be claimed back on your WinCo shop when you spend $25 or $50, respectively.[33]
  • Find out more
  • Find a store

If it’s not too late and you didn’t find anything up above that works for you, see our list of late-night check cashing options.

  1. Bank of America Facebook Messenger chat[][]
  2. https://www.bankofamerica.com/deposits/self-service-atms/[]
  3. Bank of the West Facebook Messenger chat[][][]
  4. https://www.capitalone.com/bank/atm/[][]
  5. Capital One Facebook Messenger chat[]
  6. Chase Facebook Messenger chat[][]
  7. https://www.chase.com/digital/atms[]
  8. Citibank Facebook Messenger chat[][][]
  9. Citizens Bank Facebook Messenger chat[][][]
  10. https://www.citizensbank.com/checking/overdraft.aspx[]
  11. City National Bank company email: [email protected][][][]
  12. https://www.53.com/content/fifth-third/en/mkg/deposit-options.html[][]
  13. Fifth Third Bank customer service (877) 833-9973[]
  14. https://www.fnb-online.com/Personal/Checking-Savings/Online-Mobile-Options/ATM-Banking[][]
  15. M&T Bank Facebook Messenger chat[][]
  16. https://www3.mtb.com/personal-banking/checking/making-checking-account-deposits[]
  17. TD Bank Facebook Messenger chat[][][]
  18. U.S. Bank Facebook Messenger chat[][]
  19. https://www.usbank.com/online-mobile-banking/atm.html[][]
  20. Valley National Bank customer service (800) 522-4100[][][]
  21. Webster Bank Facebook Messenger chat[][][]
  22. Wells Fargo Bank Facebook Messenger chat[][][]
  23. https://www.checkcashingusa.com/check-cashing/[][]
  24. Check Cashing USA customer service (833) 352-2274[][]
  25. https://www.cfsc.com/faq/[][]
  26. CFSC Facebook Messenger chat[]
  27. https://pls247.com/ca/money/check-cashing.html[][]
  28. http://pls247.com/nc/money/check-cashing.html[]
  29. https://www.speedycash.com/check-cashing/[]
  30. https://www.speedycash.com/store-services/check-cashing/[][]
  31. Tops Friendly Markets Facebook Messenger chat[][][]
  32. https://www.walmart.com/cp/check-cashing/632047[][][]
  33. https://www.wincofoods.com/customer-service/faqs/#checksnotaccepted[][][]


10 comments - Comments are closed.

  • john

    when I went to publix to try and cash a personal check, they told me that they don’t cash personal checks.

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi John,

      It’s almost always up to the individual store to decide whether they cash a personal check. While Publix’s website says that they will cash personal checks, your local store could have decided that it won’t. This happens because personal checks are risky for stores to cash, so depending on their location, clientele, or past bad luck with personal checks, they store might decide not to cash them.

  • Andre

    Winco doesn’t cash hand written checks

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      You’re absolutely correct; Winco does not cash handwritten checks. I’ve already added this information to the article above. Thank you so much for bringing that detail to our attention.

  • Cassandra

    Meijer policy is to enroll into their check cashing, which takes 7 to 10 business days to clear. Not a 24 hour payroll check cashing.

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      You’re absolutely right, and I’ve moved Meijer from the 24 hour check cashing store list to the late night list–thank you so much for bringing that to our attention. To confirm their policy, I called Meijer Corporate Headquarters and spoke to a representative who confirmed that customers are required to sign up for payroll check cashing at the service desk, open from 7 AM to 11 PM. Enrollment into the Meijer check cashing service requires you to bring your ID and your payroll check, and it does take about one week to process the first time that you cash a payroll check. Again, thank you for letting us know so we could provide our readers with accurate information!

  • Ceejay

    Hyvee doesn’t cash checks anymore.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Ceejay,

      I reached out to Hy-Vee customer support regarding this issue, and the representative let me know that Hy-Vee stores are independently operated, so it’s up to each individual location to set check cashing policies. I’ve updated the article to better reflect this. Thank you for bringing the issue to our attention, and I definitely apologize for any inconvenience that the article may have caused!

  • Amanda W

    I was told by multiple Walmart’s in my area (South Sarasota, Florida) that they would NOT cash ANY tax return/government issued check or ANY other check that totaled $2,000.00 or more. 🙁
    :-[ (+_+) :'(

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Amanda,

      Unfortunately, you’re not the first reader to report that Walmart does not always honor the policy posted on its website. I’ve gone ahead and added a note to the article, so that other readers can have a forewarning in case they run into a similar situation. Thanks for writing in with your experience!

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