William Lipovsky
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 America | Bank ATMs | Any | None | Yes |
| Bank of the West | Bank ATMs | Most types | None | Yes |
| Capital One 360 | Bank ATMs | Any paper check | None | Yes |
| Chase | Bank ATMs | All except foreign checks | None | Yes |
| Citibank | Bank ATMs | Most types | None | Yes |
| Citizens Bank | Bank ATMs | Any | None | Yes |
| City National Bank | Bank ATMs | Any | None | Yes |
| Fifth Third Bank | Bank ATMs | Any | None | Yes |
| First National Bank | Bank ATMs | Any | None | Yes |
| M&T Bank | Bank ATMs | Any | None | Yes |
| Webster Bank | Bank ATMs | Any | None | Yes |
| TD Bank | Bank ATMs | Any | None | Yes |
| US Bank | Bank ATMs | Most endorsed checks | None | Yes |
| Valley National Bank | Bank ATMs | Any | None | Yes |
| Wells Fargo Bank | Bank ATMs | Most types issued by Wells Fargo | None | Yes |
| Tops Friendly Market | Grocery | Varies | $1 - $3 | Not applicable |
| Walmart | Grocery | 401K, Payroll, Gov, Tax, Cashier, & more | $4 - $8 | Not Applicable |
| Winco | Grocery | 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 Center | Check Cashing Store | Payroll, Gov, Tax, Insurance, Benefits & more | Varies by Location | Not Applicable |
| PLS Check Cashing | Check Cashing Store | Payroll, Personal, Gov, Tax, Benefits & more | 1% + $1 | Not Applicable |
| Speedycash | Check 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.
1. Bank of America
- Types of check cashed: Any type of check[1]
- Fees: None[2]
- Limits: Up to 10 checks at a time[1]
- Find out more
- Find an ATM
2. Bank of the West
- Types of check cashed: Most checks, including cashier’s checks and money orders[3]
- Fees: None[3]
- Limits: Up to 30 checks at a time[3]
- Find out more
- Find an ATM
3. Capital One 360
- Types of check cashed: Any paper check[4]
- Fees: None[4]
- Limits: Up to 40 checks per transaction[5]
- Find out more
- Find an ATM
4. Chase
- Types of check cashed: All checks are accepted except for foreign checks.[6]
- Fees: None[6]
- Limits: Up to 30 checks[7]
- Find out more
- Find an ATM
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
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
7. City National Bank
- Types of check cashed: No restrictions[11]
- Fees: None[11]
- Limits: $30,000 per day[11]
- Find out more
- Find an ATM
8. Fifth Third Bank
- Types of check cashed: No restrictions[12]
- Fees: None[12]
- Limits: Varies by account type and history[13]
- Find out more
- Find an ATM
9. First National Bank
- Types of check cashed: No restrictions[14]
- Fees: None[14]
- Limits: Unspecified
- Find a store
- Find an ATM
10. M&T Bank
- Types of check cashed: No restrictions[15]
- Fees: None; a returned check will result in a return check fee of $20[15]
- Limits: $99,999 per deposit[16]
- Find out more
- Find an ATM
11. TD Bank
- Types of check cashed: No restrictions[17]
- Fees: None[17]
- Limits: No limit[17]
- Find out more
- Find an ATM
12. US Bank
- Types of check cashed: Most endorsed checks;[18] foreign checks can’t be deposited at an ATM.[19]
- Fees: None[18]
- Limits: Vary by location[19]
- Find out more
- Find an ATM
13. Valley National Bank
- Types of check cashed: No restrictions[20]
- Fees: None[20]
- Limits: Varies by location[20]
- Find out more
- Find an ATM
14. Webster Bank
- Types of check cashed: No restrictions[21]
- Fees: None[21]
- Limits: Vary by ATM[21]
- Find out more
- Find an ATM
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.
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
17. Community Financial Service Center
- Types of check cashed: Payroll, settlement, tax refund, government, insurance, benefits, and more[25]
- Fees: Vary by state[25]
- Limits: None[26]
- Find out more
- Find a store
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
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
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
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.
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.
Loren Eaton
Cathy Desmet
Lindsey Desmet
when I went to publix to try and cash a personal check, they told me that they don’t cash personal checks.
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.
Winco doesn’t cash hand written checks
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.
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.
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!
Hyvee doesn’t cash checks anymore.
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!
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. 🙁
:-[ (+_+) :'(
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!