5 Check Cashing ATM and Kiosk Locations Local to Most

If you need to cash a check during non-business hours, if you don’t have a bank account, or if you simply want to get your check cashed quickly and conveniently, a check cashing ATM or kiosk may be the right solution. Below, we discuss what you need to know about using check cashing machines, as well as where to find a check cashing kiosk.

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.

Accepted Checks

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.

Requirements

In addition to the check you want to cash, you will need an official form of photo ID, such as a driver’s license or other state-issued ID. Remember that you still have to sign the back of the check to cash it at a kiosk.

Where To Find a Check Cashing Kiosk

A particular store chain may operate check cashing kiosks, or the kiosks may be run as a franchise similar to fee-based ATM networks. We list the two of the major check cashing kiosk providers below.

1. Mr. Payroll

  • Types of checks cashed: Payroll, government, 401(k), money orders, insurance, tax, cashier’s checks, personal checks[1]
  • Fees: 1% to 2% of the check amount, depending on franchisee’s fees and type of check being cashed[2]
  • Locations: In select convenience stores, with locations in Alabama, Arizona, Arkansas, Colorado, Florida, Kansas, Louisiana, New Mexico, Oklahoma, Pennsylvania, Texas, and Utah.[3]
  • Find a kiosk

2. SAM Corp

  • Types of checks cashed: Payroll, government, tax rebate, unemployment checks, money orders, and more[4]
  • Fees: Vary
  • Locations: SAM Corp check cashing machines are located in a number of grocery and convenience stores, including Hy-Vee, Schnucks, Keith’s, Shell, Marathon, and more.[5]
  • Find a kiosk

ATMs With Check Cashing

Some banks and credit unions offer ATM check cashing services for customers and account holders, and a few have ATMs where non-customers can cash checks. We list them below, starting with the best overall options.

1. Regions ATM

  • Types of checks cashed: Payroll, government, business, personal, handwritten, two-party, out-of-state, insurance, tax refunds, money orders[6]
  • 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% to 4% of the check amount, depending on the type of check, and 5% of money order amounts.[6]
  • Locations: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, and Texas.
  • Find an ATM

2. CO-OP Credit Union/Shared Branch

  • Types of checks cashed: Payroll, government, business, and personal checks; money orders[7]
  • Requirements: Must be a member of a participating credit union. Find participating credit unions online.
  • Fees: None[7]
  • Locations: Nationwide
  • Find an ATM

3. Bank of America ATM With Teller Assist

  • Types of checks cashed: Payroll, government, business, and personal checks[8]
  • Requirements: Must be a Bank of America account holder[8]
  • Fees: None[8]
  • Locations: Nationwide
  • Find an ATM (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.

Find even more options in our article about cashing a check at an ATM. For online/mobile options, we also list the check cashing apps that don’t use Ingo.