24-Hour Check Cashing Near Me? 24 Places to Cash Checks 24/7

Need to cash a check after the bank has closed? Worry not. 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.

In This Article

Table of All Places That Cash Checks 24 Hours a Day

Follow the link provided in the table for further details.

Place: Type: Type of Check: Fees: Need Account?
Bank of America Bank ATMs Most None Yes
Bank of the West Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Capital One 360 Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Chase Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Citibank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Citizens Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
City National Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Discover Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Fifth Third Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
First National Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
HSBC Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
M&T Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Sterling National Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
SunTrust Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
TD Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
US Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Valley National Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Wells Fargo Bank Bank ATMs Personal, Payroll, Gov, Tax, Cashier None Yes
Tops Friendly Market Grocery Payroll and Some Government $1 Not applicable
Walmart Grocery Personal, Payroll, Gov, Tax, Cashier $3 - $6 Not Applicable
Winco Grocery Payroll $5 - $10 Not Applicable
Check Cashing USA (FL) Check Cashing Store Payroll, Personal, Gov, Tax, Insurance, Money order & more Varies by Location Not Applicable
Community Financial Service Center Check Cashing Store Payroll, Personal, Gov, Tax, Insurance, Benefits & more Varies by Location Not Applicable
PLS Transportation Services & Check Cashing Check Cashing Store Payroll, Personal, Gov, Tax, Insurance, Benefits & more 1% + $1 Not Applicable
Speedycash Check Cashing Store Payroll, Personal, Gov, Tax, Insurance, Benefits & more Varies by Location Not Applicable

Bank ATMs

You can cash checks at many bank ATMs. What happens is the money gets deposited into your account and then right away it’s available for you to withdraw. Technically, it’s depositing and withdrawing, and not cashing, but the outcome is the same. You must be an account holder at the bank that owns the ATM. If you do have a bank account with a major bank, this section is absolutely perfect for you. If you don’t have a bank account, you can move on to the next section of this article.

1. Bank of America

2. Bank of the West

3. Capital One 360

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Unspecified
  • Anything else: You can also do a remote deposit capture using the Capital One 360 app
  • Read more about Capital One 360 ATMs
  • Find a Capital One 360 ATM

4. Chase

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Up to 30 checks
  • Read more about Chase ATMs
  • Find a Chase ATM

5. Citibank

6. Citizens Bank

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Unspecified. Deposits made after 10 p.m. will be posted the next working day
  • Read more about Citizens Bank ATMs
  • Find a Citizens Bank ATM

7. City National Bank

8. Discover Bank

9. Fifth Third Bank

10. First National Bank

11. HSBC

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Unspecified
  • Read more about HSBC ATMs
  • Find a HSBC ATM

12. M&T Bank

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Unspecified. Checks deposited after 8 p.m. are posted the next business day
  • Read more about M&T Bank ATMs
  • Find a M&T Bank ATM

13. Sterling National Bank

14. SunTrust Bank

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: None. However, deposits made after 9 p.m. ET will be posted the next day
  • Read more about SunTrust Bank ATMs
  • Find a SunTrust Bank ATM

15. TD Bank

  • Types of check cashed: Personal, payroll, government, tax, cashier
  • Fees: None
  • Limits: Up to 30 checks at a time
  • Read more about TD Bank ATMs
  • Find a TD Bank ATM

16. US Bank

17. Valley National Bank

18. Wells Fargo Bank

Check-Cashing Stores

These check cashing places are what people typically think of when they need 24 hour check cashing. But be warned, while these places 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.

19. Check Cashing USA (FL only)

20. Community Financial Service Center

21. PLS Transportation Services and Check Cashing

  • Types of check cashed: Payroll, personal, tax refund, government, insurance, benefits, and more
  • Fees: Starting from 1.03% + $1
  • Limits: Unspecified
  • Read more about check cashing atPLS
  • Find a PLS

22. Speedycash

Grocery Stores That Cash Checks 24 Hours a Day

23. Tops Friendly Market

Note: Some locations are open 24 hours, but some close between 10 p.m. and 12 a.m.

24.Walmart

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.

  • Types of check cashed: Payroll, government, tax, cashier, insurance settlement, 401k/retirement checks and MoneyGram money orders that were purchased at Walmart, but Walmart does not cash handwritten checks.
  • Limits: Up to $5,000. Note: While this is the policy posted on the Walmart website, multiple readers have reported that certain locations will not cash checks over $2,000, and some will not cash any government-issued checks. We recommend calling ahead to the nearest Walmart location to verify the check cashing policies at that specific store.
  • Fees: $3 for checks up to and including $1,000, and $6 thereafter to the limit. If you’d rather you can have your check money loaded on to a Walmart MoneyCard (and if you do, the fees are waived)
  • Read more about check cashing at Walmart.
  • Find a Walmart 
  • See more in our article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More

24. WinCo

  • Types of check cashed: Machine-printed payroll checks
  • Limits: $1,000
  • 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.
  • Read more about check cashing at WinCo
  • Find a WinCo

In Summary

If it’s not too late and you didn’t find anything up above that works for you, we suggest the article: Where to Cash Checks Late at Night

The easiest (and almost always free) place to cash a check at odd hours is at your bank’s ATM. But, this doesn’t always work — sometimes if you deposit your check late at night, you won’t be able to withdraw your cash until the next day. It depends on your bank’s policy with respect to deposit clearing times. If you want cash now, you can cash your check at a grocery store or check-cashing store that has check-cashing services and is open all night, or at least until late. If you can get to the store before midnight, you’ll have even more options, as many grocery stores are open late (but not all night) and cash checks.

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10 comments

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

    • Laura Bachmann says:
      First Quarter Finance logostaff

      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.

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Andre,

      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 says:

    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.

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Cassandra,

      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!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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 says:

    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. 🙁
    :-[ (+_+) :'(

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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!