Here’s Where to Go for EFS Check Cashing

Electronic Funds Source (EFS) checks are commonly issued by trucking companies to allow their drivers to pay for expenses like as fuel and maintenance while they’re on the road.

EFS checks can be cashed at several national truck stop and travel center chains, including Love’s Travel Stops, Pilot Flying J Travel Centers, Road Ranger truck stops and travel centers, TA-Petro, and select Roady’s truck stops.

Most of these locations will cash an EFS check any time of day. Check limits are generally around $999.99.

Fees may apply but can sometimes be waived with a minimum fuel purchase.

For more on where to find EFS check cashing locations, see below.

The List

Below, you’ll find the list of national truck stop and travel center chains that cash EFS checks, plus information on hours, fees, limits, and requirements.

Love’s Travel Stops

• Limit: $999
• Fee: $3 or 3% of the check amount
• Hours: 24 hours a day
• Requirements: You must have a valid driver’s license.
• Source: Love’s Travel Stops store associates at locations in Florida and Arizona
• Locations: Nationwide; find a Love’s near you

Pilot Flying J Travel Centers

• Limit: $999.99
• Fee: 3% of the check amount (may vary depending on state exemptions); no fee if fueling at least 25 gallons within two hours of cashing checks of $200 or less
• Hours: 24 hours a day
• Requirements: You must have a valid photo ID and a form on file; check’s authenticity must be verified
• Source: Pilot Flying J customer service live chat; Pilot Flying J website
• Locations: Nationwide; find a Pilot or Flying J near you

Road Ranger

• Limit: $999.99
• Fee: $3 for every $100 or 3% of the check amount, depending on the location; fee is waived for the first $200 if you purchase at least 25 gallons of fuel
• Hours: 24 hours a day
• Requirements: You must have a valid photo ID; check’s authenticity must be verified
• Source: Road Ranger store associates in Illinois and Wisconsin; Road Ranger website
• Locations: Throughout the Midwest; find a Road Ranger near you

Roady’s (select locations)

• Limit: Varies by location and how much money is available
• Fee: Varies by location
• Hours: 24 hours a day, provided the location has the funds available
• Requirements: You must have a valid photo ID
• Source: Roady’s store associates in Illinois, Kansas, and Nevada
• Locations: Nationwide; find a Roady’s near you

TA/Petro

• Limit: $999, as long as funds are available
• Fee: Varies by location; a location in Colorado told us it charges 3% of the check amount, while a location in North Carolina said it charges a flat $2 fee per check. The fee can be waived for checks up to $300 if you purchase at least 60 gallons of diesel fuel, spend at least $50 on merchandise, or spend at least $250 on truck maintenance and repair.
• Hours: 24 hours a day
• Requirements: You must have a valid photo ID
• Source: TA and Petro store associates in Colorado and North Carolina; TA/Petro website
• Locations: Nationwide; find a TA/Petro near you

Places That Don’t Cash EFS Checks

While large retail stores like Walmart do not cash EFS checks (as previously reported), your local bank may or may not allow you to cash an EFS check.

We were told by several banks that you’ll need to bring the check to a bank branch for review and verification before the bank will decide if it will cash the check or not.

One teller at a Truist branch said that the check must pass verification through a check scanner; if it doesn’t, the branch can’t cash that check.

However, if you have an account with the bank, you can typically deposit an EFS check into your account free of charge.

The banks we contacted include:

• Bank of America
• Chase
• Truist
• U.S. Bank
• Wells Fargo