If you need to cash a check during non-business hours, don’t have a bank account, or simply want to get your check cashed quickly and conveniently, a check cashing ATM or kiosk may be the right solution. Here, we’ll discuss what you need to know about using check cashing machines.
What Is a Check Cashing Kiosk?
Check cashing kiosks are freestanding machines that allow you to cash paper checks. They’re usually found in retail or convenience stores, and are provided as a banking alternative for customers.
These machines typically have a touch screen interface. They use several types of third-party verification systems to ensure that the checks are genuine, and they charge users a fee for cashing checks. Many check cashing kiosks also offer additional services, such as gift card or prepaid debit card loading.
Types of Checks You Can Cash at a Check Cashing ATM or Kiosk
Most check cashing kiosks will accept payroll and government checks, such as Social Security and tax rebate checks. Depending on the company that provides them, check cashing machines may also cash other types of checks, such as personal checks and cashier’s checks.
What You Need to Bring to a Check Cashing ATM or Kiosk
In addition to the check you want to cash, you will need an official form of photo identification, such as a driver’s license or other state-issued ID. Remember that you still have to sign the back of the check in order to cash it at a kiosk.
Where You Can Find a Check Cashing Kiosk
Check cashing kiosks may be operated at a particular store chain, or run as a franchise similar to fee-based ATM networks. Here are the main providers of check cashing kiosks, and how to find a check cashing machine near you.
- Types of checks cashed: Payroll, government, 401(k), money orders, insurance, tax, cashier’s checks, personal checks
- Check cashing fees: Varies from 1 to 2% of the check amount, depending on franchisee’s fees and type of check being cashed
- Locations: Mr. Payroll check cashing kiosks can be found in select convenience stores, with locations in Alabama, Arizona, Arkansas, Colorado, Florida, Kansas, Louisiana, New Mexico, Oklahoma, Pennsylvania, Texas, and Utah.
- Find a kiosk near you.
Walmart MoneyCenter Express
- Types of checks cashed: Payroll, government
- Check cashing fees: $3 for checks up to $1,000*
- Locations: Walmart MoneyCenter Express kiosks are located at select Walmart stores nationwide.
- Find a kiosk near you. (Enter your location on the top line above the map, and then enter ‘Walmart’ on the line beneath that reads ‘Narrow by bank or retail location name’.)
*In addition to check cashing kiosks at select locations, all Walmart stores offer expanded check cashing services at the register for payroll, government, tax checks, cashier’s checks, insurance settlement checks, and more. Learn more about Walmart’s check cashing policies here.
ATMs Where You Can Cash Checks
Some banks now offer ATM check-cashing services for customers and account holders, and a few have ATMs where non-customers can cash checks. Here’s our list of ATMs with check-cashing services.
Bank of America ATM with Teller Assist
- What is it?: Enhanced ATMs featuring live video chat with bank tellers and additional services
- Types of checks cashed: Payroll, government, business, and personal checks
- Requirements: Must be a Bank of America account holder
- Fees: None
- Locations: Nationwide. Find an ATM near you. (click on “Find locations with…” and check the “ATM with Teller Assist” box)
NOTE: Bank of America ATMs with Teller Assist are not open 24 hours like most ATMs, but they do feature extended hours. Teller Assist ATMs are available Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m.
CO-OP Credit Union/Shared Branch
- What is it?: A nationwide network of participating credit unions using a shared ATM network with 30,000+ ATMs
- Types of checks cashed: Payroll, government, business, and personal checks; money orders
- Requirements: Must be a member of a participating credit union. Find participating credit unions here.
- Fees: None
- Locations: Nationwide. Find an ATM near you.
- What is it?: Regions Bank offers enhanced ATMs with check-cashing capabilities for both account holders and non-customers
- Types of checks cashed: Payroll, government, business, personal, handwritten, two-party, out-of-state, insurance, tax refunds, money orders
- Requirements: Account holders can use their Regions Bank cards; non-account holders must apply for a free Regions Now card that can be used at any ATM
- Fees: Free for account holders; Regions Now card users pay 1 – 4% of the check amount, depending on the type of check, and 5% of money order amounts
- Locations: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. Find an ATM near you.
See many more banks listed in our article: Can You Cash a Check at an ATM? Can You Deposit? Answered
Check cashing kiosks and ATMs allow people to cash checks at their convenience. Keep in mind that check cashing ATMs are usually reserved for account holders, with the exception of Regions, which allows non-customers to utilize the service if they have a Regions Now card. Check cashing kiosks are located in select Walmart stores and convenience stores nationwide. Remember to bring your ATM card if you are using a check cashing ATM and a valid ID if you are using a check cashing kiosk.
For more check cashing options, see our article on check cashing apps that don’t use Ingo.