Finding cheap check cashing is a smart idea if you want to keep the most money possible. Of course, your first option should be to take it to the bank where you have an account, which will have no fee. If you’re traveling and aren’t anywhere near your bank, don’t have a bank account, or need cash after bank hours, you need other options. Read on to learn about the 17 cheapest places to cash a check so you know just how much you can expect to pay if you can’t cash a check at your bank.

In This Article

Things to Keep in Mind

Cashing Personal Checks

If you’re looking to cash a handwritten personal check, your options for cheap places to cash it are more limited than with other types of checks. This is simply because personal checks are harder to guarantee than government or business checks, money orders, cashier checks, etc. To help you out, we’ve specifically specified in the “types of checks accepted” bullet which places accept personal checks.

Using Check Cashing Stores

Note that payday loan and check cashing stores are often the most expensive places to go to cash checks. These stores don’t always elaborate on their fees online, but the rate can be up to 10% of the check’s value, or a combination of 10% and an additional service fee. So if you have a check for $1,000, you could possibly pay a fee of $100-$110. This is simply because these stores are taking on checks that are riskier (handwritten, personal, etc.) and therefore more likely to be invalid or bounce. Make sure to ask about fees at these stores before deciding to cash a check there.

Identification

For all of the places listed below, you must provide a valid, government-issued ID such as a driver’s license, passport, tribal ID, or state-issued photo ID. Without an ID, you will not be able to cash a check.

Cheapest Places to Cash Checks: Sorted by Fee Amount

These are places that charge a set fee rather than a percentage of the check. Use this list if you have a high-value check to cash.

Note: The bank fees we’ve listed are specifically for if you don’t have a bank account there. If you do have a bank account with one of the banks we’ve listed, then it will be free for you to cash any check

1. Kmart

  • Types of checks cashed: Payroll, tax refund, and government checks up to $2,000, as well as two-party personal checks up to $500.
  • Fee: $1 or less. No fee in CT, DE, GA, NJ, NV, PA, PR, SC, WA, and GU. $0.50 fees in IL and RI.
  • Source: Kmart check cashing policy
  • Find your closest Kmart

2. Kroger and Affiliate Stores (Baker’s, Dillons, Fred Meyer, Fry’s Foods, Ralph’s)

3. Walmart

4. WinCo

  • Types of checks cashed: Payroll checks only, with a maximum amount of $1,000.
  • Fee: $5 for checks $0-$500. $10 for checks $500-$1,000. However, you can redeem the fees when you spend $25-$50 at WinCo.
  • Source: WinCo FAQs
  • Find your closest WinCo

5. Bank of America

  • Types of checks cashed (for non-account holders): Personal checks issued by an account-holder at Bank of America. Bank of America also specifies that they accept “some other checks”—call in to make sure yours will be accepted.
  • Fee: $6
  • Source: Bank of America FAQs
  • Find your closest Bank of America Financial Center
    • Note: Bank of America only cashes checks for non-customers at Financial Centers and not at drive-up locations.

6. Capital One Bank

7. U.S. Bank

8. TD Bank

9. Wells Fargo

10. Chase

Cheapest Places to Cash Checks: Sorted by Percentage Amount

These are places that charge a percentage of the check rather than a set fee. Use this list if you have a low-value check to cash.

Note: The bank fees we’ve listed are specifically for if you don’t have a bank account there. If you do have a bank account with one of the banks we’ve listed, then it will be free for you to cash any check

12. Regions Bank

  • Types of checks cashed: Personal checks issued by an account-holder at Regions Bank,  payroll, two-party personal, business, insurance settlement, cashier, handwritten, and money order checks not issued by Regions Bank.
  • Fee: No fee for checks under $10. For personal checks issued to you from an account-holder at Regions bank, 1% of the total amount of the check. For checks that aren’t issued by Regions Bank:
    • Payroll/government checks: 1.5% of total check amount for checks under $1,500, and 2% for checks over $1,500.
    • Other check types (two-party personal, business, insurance settlement, cashier, and handwritten checks): 3% of total check amount, with no maximum limit.
    • Money orders: 5% of total check amount, with no maximum limit.
  • Source: Regions Check Cashing 
  • Find your closest Regions Bank

13. Fifth Third Bank

  • Types of checks cashed: Personal checks issued by an account-holder at Fifth Third Bank, as well as most other checks, including payroll, government, and two-party personal checks.
  • Fee: 1% of the total check amount for personal checks issued to you by an account-holder at Fifth Third Bank, and 1.5% of the total amount of the check for all other check types.
  • Source: Fifth Third Bank Check Cashing
  • Find your closest Fifth Third Bank

14. PLS Transportation Services and Check Cashing

15. Country Mart

16. Payomatic Check Cashing

17. ACE Cash Express

Places That Do Not Cash Checks

These places do not cash checks of any kind:

  • Acme Markets
  • Aldi
  • BJ’s Wholesale Club
  • Copps
  • Costco
  • CVS
  • Dollar General
  • D&W Fresh Market
  • Food 4 Less
  • Gelson’s
  • Heinen’s
  • JayC Foods
  • Safeway
  • Sam’s Club
  • Shaw’s
  • Tom Thumb
  • Walgreens
  • Whole Foods
  • Vons
  • Winn-Dixie

In Summary

If you’re frustrated with trying to cash a check without a bank account, don’t worry! There are plenty of options near you, ranging from banks to grocery stores to check cashing stores. Best of all, some of these places will cash your check for free or for as low as a $1 fee. We hope you’ve found a convenient location on this list, or even, dare we say, a place to cash your check with no fees at all!