Check Cashing Place Near Me? Each Place Listed: Kmart? Kroger? etc

This article will answer “Where’s a check cashing place near me?” We’ve compiled a list of companies that provide check cashing services with locations nationwide, broken down by category: banks, supermarkets, gas stations and convenience stores, check cashing stores, and other major retailers. All banks and businesses listed include which types of checks can be cashed, how much it costs, hours of operation, and a link to show you the absolute nearest location to your destination. Using this article, you can even find out how to cash your check for free. Links to store locators are included for every business listed. Browse away, or ctrl + f to search for your favorite store and see if it made the list.

In This Article

What to Know Before Cashing a Check

Types of Checks

There are many different types of checks, and not everywhere will be able to cash every type. It’s important to know what kind of check you have so you can figure out where you’ll be able to cash it. Here are all the types of checks you may encounter:

  • Personal checks: These are checks from personal bank accounts, handwritten, and made payable to another person or business. You may write a personal check to yourself and cash it (a “one-party” check) or you may receive a personal check payable to you from someone else (a “two-party” check). You can cash personal checks at a variety of places.
  • Payroll checks: These checks are what employees typically receive for wages, payable to you from the company. If you get a paper check from your job, this is a payroll check. Some payroll checks are handwritten, and when they are, fewer places will cash them. Even still, you can cash payroll checks at a variety of places.
  • Government checks: This category of checks includes disability checks, pension checks, Social Security checks, benefit checks, welfare checks, and any regular checks from the U.S. Treasury, federal government, or a state government agency.
  • Tax refund checks: If you are eligible for a yearly tax refund, you may choose to receive a paper check in the mail. This includes refunds for both federal and state income taxes. You can cash tax refund checks at a variety of places.
  • Third-party checks: These checks are made payable to one person, who then signs over the check to another (third) person to cash. Third-party checks can be one of the most difficult types to cash, but there are some banks that accept third party checks.
  • Traveler’s checks: These specialized checks are issued by banks as a security measure for travelers who don’t want to carry large amounts of cash with them.
  • Insurance checks: You may receive an insurance check for any claim settled with your insurance company. Insurance checks may be received for auto insurance, home insurance, or any other type of insurance policy.
  • Rebate checks: A rebate check is issued by a manufacturer, usually for a mail-in rebate promotion where you can buy something in a store or online at full price, and then receive a partial or full rebate by mail. The rebate is sent in the form of a check.
  • Cashier’s checks: This type of check is a highly secured instrument drawn directly from the issuing bank, rather than a personal checking account. Cashier’s checks are usually high-dollar amounts for secure, big-item purchases or business-to-business sales. Here are the places that cash cashier’s checks.
  • Teller’s check: Also known as a banker’s draft, this is a check given to a bank customer for remittance purposes.
  • Money orders: These are considered a type of secure check with prepaid funds, similar to a cashier’s check, but money orders are not guaranteed by banks and are typically for smaller amounts. You can cash money orders at a variety of places.

What You Need to Cash a Check

When you want to cash a check, you’ll usually need the check itself along with a valid form of identification. Generally accepted forms of ID for check cashing are current, government-issued photo IDs and include:

  • Driver’s license or state-issued non-driver ID
  • U.S. passport
  • Military ID
  • U.S. permanent resident card (green card)

In some cases, such as certain banks and check cashing stores, you may need two forms of ID, with one being a valid photo ID from the list above. The second form of ID may be a credit or debit card in your name, or a utility bill or other official piece of mail showing your name and address. Some grocery stores may also require customers to have a store card with check cashing privileges in order to cash checks.

If you won’t be able to provide a government-issued photo ID, you won’t be able to cash a check. There are a few ways to get around this problem, and we discuss them in our article How to Cash a Check Without ID or Bank Account? How It’s Done.

Check Cashing Fees

While there are some places that cash checks free of charge, such as certain banks and credit unions — particularly if you are an account holder at a bank or credit union — check cashing stores, grocery stores, and convenience stores usually do charge a fee for cashing checks.

These check cashing fees vary depending on the store policy, as well as other factors that may include the type of check being cashed and the amount of the check. They may be a set amount, such as $3 per check, or a percentage of the total check amount. Set fees are typically less than $10, and percentage fees are usually around 3% or less. However, you’ll want to note the fees before cashing your check, particularly if cashing a large check; 3% on a check worth $5,000, for example, would add up to the steep fee of $150.

We’ve covered check cashing fees at all types of places that cash checks in the list below. We also have the list of places that cash checks for free.

Places That Cash Checks

Banks and Credit Unions

Generally, banks and credit unions will cash any type of check for people who have an account with them, with no fees charged for the service. Some banks and credit unions will cash checks for non-customers, and most charge a fee for this service. Others will only cash checks for non-customers if the check is drawn on their bank, and may also charge fees for check cashing.

We’ve detailed which types of checks each bank and credit union will cash for account holders and non-customers, along with any fees they may charge for cashing checks.

Bank of America

  • Checks cashed for account holders: All check types
  • Fees for account holders: None
  • Checks cashed for non-customers: Checks drawn on Bank of America; checks printed with magnetic ink (i.e. not printed at home) including payroll, government, tax refund, and cashier’s checks
  • Fees for non-customers: $8 per check
  • Requirements for cashing checks: Two forms of ID, including one government-issued photo ID
  • Typical hours of operation: 9 a.m. – 4 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: Bank of America financial center FAQ and customer service
  • Find your nearest Bank of America

Bank of the West

  • Checks cashed for account holders: All types
  • Fees for account holders: None
  • Checks cashed for non-customers: Any check drawn on Bank of the West
  • Fees for non-customers: Free for Bank of the West checks that are $50 or less, cashier’s checks, or drawn on a government agency account; $7.50 per check for all other Bank of the West checks
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 6 p.m. Monday-Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Bank of the West Schedule of Fees and customer service
  • Find your nearest Bank of the West

BB&T Bank

  • Checks cashed for account holders: All types
  • Fees for account holders: None
  • Checks cashed for non-customers: Personal and payroll checks drawn on BB&T
  • Fees for non-customers: Free for checks up to $50; $8 for checks over $50
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest BB&T Bank

BMO Harris Bank

  • Checks cashed for account holders: All types
  • Fees for account holders: None
  • Checks cashed for non-customers: Checks drawn on BMO Harris
  • Fees for non-customers: Free for checks up to $50; $10 for checks over $50
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest BMO Harris Bank

Chartway Federal Credit Union

  • Checks cashed for account holders: All types
  • Fees for account holders: None
  • Checks cashed for non-customers: Any check drawn on Chartway except those made payable to a business
  • Fees for non-customers: $3 or 2% of the total check amount, whichever is greater
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5:30 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: Chartway Federal Credit Union general FAQ
  • Find your nearest Chartway Federal Credit Union

Chase Bank

  • Checks cashed for account holders: All types
  • Fees for account holders: None
  • Checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks
  • Fees for non-customers: $8 per check
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 8:30 a.m. – 6 p.m. Monday-Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest Chase Bank
  • Read more in our article: Chase Bank Check Cashing Policy: Limits, Fees, Hours, More

Citibank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: Any check drawn on Citibank. Non-Citibank checks may be cashed for non-customers at the bank’s discretion.
  • Fees for non-customers: Free for Citibank checks up to $5,000; other check cashing fees vary according to check type and amount
  • Requirements for cashing checks: Two forms of ID, including one government-issued photo ID
  • Typical hours: 8:30 a.m. – 6 p.m. Monday-Friday; 9 a.m. – 2 p.m. Saturday
  • Source: Customer service
  • Find your nearest Citibank
  • Read more in our article: Citibank Check Cashing FAQ: “Where Can I Cash a Citibank Check?” Etc.

Citizens Bank

  • Checks cashed for account holders: Any type except third-party checks
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on Citizens Bank except third-party checks
  • Fees for non-customers: $7 per check
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 4 p.m. Monday-Wednesday; 9 a.m. – 5 p.m. Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: Customer service
  • Find your nearest Citizens Bank

Connexus Credit Union

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on Connexus
  • Fees for non-customers: Free
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 8 a.m. – 5 p.m. Monday-Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest Connexus Credit Union

Fifth Third Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks
  • Fees for non-customers: 1% of the total check amount; maximum fee $4
  • Requirements for cashing checks: Two forms of ID, including one government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest Fifth Third Bank

First National Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on First National Bank; other types of checks may be cashed for non-customers at the bank’s discretion
  • Fees for non-customers: $10 per check
  • Requirements for cashing checks: Valid government-issued ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday
  • Source: Customer service
  • Find your nearest First National Bank

HSBC

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on HSBC; other types of checks may be cashed for non-customers at the bank’s discretion
  • Fees for non-customers: Free for HSBC personal checks. Other check fees: $3 for checks up to $100; $5 for checks over $100
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: Customer service
  • Find your nearest HSBC

KeyBank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: Personal, payroll, government, tax refund
  • Fees for non-customers:
    • KeyBank’s standard branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: KeyBank Plus Check Cashing page and customer service
  • Find your nearest KeyBank
    • KeyBank Plus centers are available in CO, IN, ME, NY, OH, and OR. To find a Plus center, select “Show filters” on the locator and check the “KeyBank Plus” box.

M&T Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on M&T Bank; other types of checks may be cashed for non-customers at the bank’s discretion
  • Fees for non-customers: 3% of the total check amount ($3 minimum)
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 4 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Customer service
  • Find your nearest M&T Bank

Mountain America Credit Union

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on Mountain America Credit Union
  • Fees for non-customers: Free
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 6 p.m. Monday-Friday; 9 a.m. – 2 p.m. Saturday (drive-thru only)
  • Source: Customer service
  • Find your nearest Mountain America Credit Union

Navy Federal Credit Union

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on Navy Federal Credit Union
  • Fees for non-customers: Free
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5:30 Monday-Friday; 9 a.m. – 2 p.m. Saturday
  • Source: Customer service
  • Find your nearest Navy Federal Credit Union

PenFed Credit Union

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on PenFed
  • Fees for non-customers: Free
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Friday; 9 a.m. – 1 p.m. Saturday
  • Source: Customer service
  • Find your nearest PenFed Credit Union

PNC Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on PNC Bank
  • Fees for non-customers: Free
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Source: PNC Bank Fee Schedule
  • Find your nearest PNC Bank

Regions Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: Handwritten, payroll, government, insurance, tax refund, business, two-party, out-of-state checks, and money orders
  • Fees for non-customers: 1 to 4% of total check amount, depending on check type; 5% for money orders
  • Requirements for cashing checks: Must have a Regions Now card (apply for a free Regions Now card online). To get a Regions Now card, you’ll need to have a government-issued photo ID, valid email address, Social Security number, and a funding source (such as a debit card, credit card, or checking account).
  • Typical hours:
    • Lobby: 9 a.m. – 4:30 p.m. Monday-Thursday; 9 a.m. – 5 p.m. Friday
    • Drive-thru: 8:30 a.m. – 5 p.m. Monday-Thursday; 8:30 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Source: Regions Now Banking Check Cashing page
  • Find your nearest Regions Bank

SunTrust Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: Personal, payroll, government, business, insurance, tax refund, out-of-state, and third-party checks
  • Fees for non-customers: $7 for checks drawn on SunTrust; all other checks have a fee of 1 to 3% of the total check amount
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Source: SunTrust Bank Cash Checks Services page
  • Find your nearest SunTrust Bank

TD Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on TD Bank
  • Fees for non-customers: $7 per check
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 8 a.m. – 5 p.m. Monday-Wednesday; 8 a.m. – 6 p.m. Thursday and Friday; 9 a.m. – 1 p.m. Saturday
  • Source: TD Bank help center
  • Find your nearest TD Bank

U.S. Bank

  • Checks cashed for account holders: Any type
  • Fees for account holders: None
  • Checks cashed for non-customers: All checks drawn on US Bank
  • Fees for non-customers: $7 per check
  • Requirements for cashing checks: Government-issued photo ID
  • Typical hours: 9 a.m. – 5 p.m. Monday-Friday
  • Source: U.S. Bank Consumer Information chart
  • Find your nearest U.S. Bank

Wells Fargo

Check Cashing Stores

Check cashing stores will usually cash all or most types of checks, although there is always a fee involved. Typically, check cashing stores only provide fee information on an individual basis because their check cashing fees often vary depending on the exact check type and amount. It’s best to call a check cashing store ahead of time to find out how much it will cost to cash your particular check there.

For this list, we’ve included information on check cashing store fees (where available), hours of operation, and more.

ACE Cash Express

  • Check types cashed: Payroll, personal, business, government, tax refund, insurance checks, money orders, and more
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store or check the fee schedule posted in the store lobby for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 9 a.m. – 6 p.m. Monday-Wednesday; 9 a.m. – 7 p.m. Thursday and Friday; 10 a.m. – 5 p.m. Saturday
  • Source: Check Cashing at ACE and calls to customer service
  • Store locations: AZ, AR, CA, CO, DC, FL, GA, IN, KS, LA, MD, MN, MO, NM, NC, OH, OK, OR, PA, SC, TN, TX, VA
  • Find your nearest Ace Cash Express

Advance Financial

  • Check types cashed: Personal, payroll, government, tax refund, cashier’s checks, insurance checks, money orders, and more
  • Check cashing fees:
    • Payroll and government: 1 to 2.99% of total check amount with a minimum fee of $3 for payroll and $2 for government checks
    • Money orders and personal checks: 10% of total check amount with a minimum fee of $5
    • All other checks: 1 to 5% of total check amount with a minimum fee of $5
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: Most locations open 24 hours
  • Source: Advance Financial Check Cashing FAQ
  • Store locations: Multiple locations in Tennessee
  • Find your nearest Advance Financial

Check Into Cash

  • Check types cashed: Personal, payroll, government, tax refund, insurance, financial loan, two-party checks, cashier’s checks, handwritten checks, money orders, and more
  • Check cashing fees: Varies according to location, check type, and amount. Fee schedules posted in store lobbies, or call your nearest store for details.
  • Check cashing requirements: Valid photo ID
  • Typical hours: 10 a.m. – 6 p.m. Monday-Friday; 10 a.m. – 3 p.m. Saturday
  • Source: Check Cashing page of the Check Into Cash website and calls to customer service
  • Locations: AL, AR, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NE, NV, NM, OH, OK, TN, TX, VA, WA, WI, WY
  • Find your nearest Check Into Cash

Check ’N Go

  • Check types cashed: Most types of checks, including personal, payroll, government, insurance, tax refund, cashier’s checks, and money orders
  • Check cashing fees: Starting at 1.99% of the total check amount; rates vary by location and check type. Call your nearest store for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 10 a.m. – 6 p.m. Monday-Thursday; 10 a.m. – 7 p.m. Friday; 10 a.m. – 2 p.m. Saturday
  • Source: Check Cashing Locations from Check ’N Go and calls to customer service
  • Locations: AL, CA, DE, FL, ID, IL, IN, IA, KS, KY, MI, MO, MS, NE, NV, NM, OH, OK, RI, SC, TN, TX, UT, WI
  • Find your nearest Check ’N Go

Community Financial Service Center (CFSC)

  • Check types cashed: Payroll, government, social security, insurance, tax refund, benefit checks, business checks, and more
  • Check cashing fees: Varies according to location, check type, and amount. Fee schedules posted in store lobbies, or call your nearest store for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 8:30 a.m. – 8 p.m. Monday-Friday; 9 a.m. – 6 p.m. Saturday; 9:30 a.m. – 5:30 p.m. Sunday
  • Source: CFSC Check Cashing Service page and calls to customer service
  • Locations: CA, CO, GA, IL, IN, MA, MO, NM, NY, PA, WI
  • Find your nearest CFSC

Friendly Check Cashing

  • Check types cashed: Most checks cashed, including personal, payroll, government, insurance, tax refund, 401(k), business checks, cashier’s checks, and money orders
  • Check cashing fees: Varies by location, as well as check type and amount. Call your nearest store for the details of its fees.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 8 a.m. – 7 p.m. Monday-Wednesday; 8 a.m. – 8 p.m. Thursday and Friday; 9 a.m. – 5 p.m. Saturday
  • Source: Check Cashing page of Friendly Check Cashing website and calls to customer service
  • Locations: Multiple locations in North Carolina
  • Find your nearest Friendly Check Cashing

Money Mart

  • Check types cashed: Most checks including personal, payroll, government, tax refund, insurance, cashier’s checks, business checks, 401(k), and money orders
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for the specifics of its fee schedule.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 8 a.m. – 9 p.m. Monday-Friday; 9 a.m. – 7 p.m. Saturday; 10 a.m. – 5 p.m. Sunday
  • Source: Money Mart Check Cashing and calls to customer service
  • Locations: AK, CA, FL, HI, KS, LA, MO, OK, VA, WA
  • Find your nearest Money Mart

Mr. Payroll

  • Check types cashed: Most checks including personal, payroll, government, tax refund, insurance, cashier’s checks, two-party checks, 401(k), and money orders
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 9 a.m. – 7 p.m. Monday and Tuesday; 9 a.m. – 8 p.m. Wednesday-Friday; 9 a.m. – 3 p.m. Saturday
  • Source: Mr. Payroll Frequently Asked Questions and calls to customer service
  • Locations: AL, AR, AZ, CO, FL, KS, LA, NM, OK, PA, TX, UT
  • Find your nearest Mr. Payroll

National Check Cashers

  • Check types cashed: All types including personal, payroll, government, business, insurance, tax refund, contractor checks, lottery checks, cashier’s checks, money orders, and more
  • Check cashing fees: Varies according to location, check type, and amount. Call your local store for the specifics of its fee schedule.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 10 a.m. – 6 p.m. Monday-Thursday; 9 a.m. – 7 p.m. Friday; 10 a.m. – 3 p.m. Saturday
  • Source: Check Cashing page of National Check Cashers website and calls to customer service
  • Locations: Multiple locations in Ohio
  • Find your nearest National Check Cashers

Pay-O-Matic

  • Check types cashed: Personal, payroll, government, business, insurance, tax refund, lawyers’ checks, union checks, and more
  • Check cashing fees: About 2% of the total check amount
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: Many locations open 24 hours; operating hours vary at remaining locations
  • Source: Check Cashing page of the Pay-O-Matic website
  • Locations: Multiple locations in New York City area
  • Find your nearest Pay-O-Matic

PLS Check Cashing

  • Check types cashed: Personal, payroll, government, insurance, business, tax refund, out-of-state checks, and more
  • Check cashing fees: Starting at $1 plus 1% of the total check amount
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: Most locations open 24 hours
  • Source: Check Cashing page on the PLS website
  • Locations: AZ, CA, IL, IN, KY, MA, NY, NC, OK, OH, TX, WI
  • Find your nearest PLS Check Cashing

Speedy Cash

  • Check types cashed: Personal, payroll, government, insurance, tax refund, money orders, cashier’s checks, bank drafts, and more
  • Check cashing fees: Starting at $2
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 8 a.m. – 9 p.m. Monday-Saturday; 10 a.m. – 4 p.m. Sunday. Some locations open 24 hours.
  • Source: Speedy Cash Check Cashing page and calls to customer service
  • Locations: AZ, AL, CA, CO, IL, KS, MO, MS, LA, NV, TN, WA
  • Find your nearest Speedy Cash

The Check Cashing Store

  • Check types cashed: Personal, payroll, government, insurance, small business, money orders, and more
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.
  • Check cashing requirements: Two forms of ID, including one government-issued photo ID
  • Typical hours: 9 a.m. – 7 p.m. Monday-Thursday; 9 a.m. – 8 p.m. Friday; 8 a.m. – 5 p.m. Saturday; 10 a.m. – 5 p.m. Sunday
  • Source: Check Cashing page and calls to customer service
  • Locations: Multiple locations in Florida
  • Find your nearest The Check Cashing Store

United Check Cashing

  • Check types cashed: Personal, payroll, government, tax refund, insurance, rebate checks, business checks, benefit checks
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 9 a.m. – 6 p.m. Monday-Wednesday; 9 a.m. – 7 p.m. Thursday and Friday; 9 a.m. – 5 p.m. Saturday
  • Source: Check Cashing page of United Check Cashing website and calls to customer service
  • Locations: DE, NY, NJ, PA, MD, OH, MI, CO, TX, FL, GA
  • Find your nearest United Check Cashing

USA Check Cashing Store

  • Check types cashed: Most types including personal, payroll, government, insurance, tax refund, business, cashier’s checks, bonus checks, settlement checks, money orders, and more
  • Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.
  • Check cashing requirements: Government-issued photo ID
  • Typical hours: 8 a.m. – 8 p.m. Monday-Friday; 9 a.m. – 7 p.m. Saturday; 10 a.m. – 4 p.m. Sunday
  • Source: Check Cashing page of the USA Check Cashing Store website and calls to customer service
  • Locations: Multiple locations in California
  • Find your nearest USA Check Cashing Store

Convenience Stores

Very few gas stations and convenience stores offer check cashing services, but they do exist. When gas stations are connected to grocery stores (this is pretty common — Kroger, Hy-Vee, King Soopers, and others sometimes have grocery stations), there might be check cashing available in the grocery store, but it won’t also be available at the gas station. So for those, see the next list of grocery stores. Here’s the list of convenience stores that cash checks.

Pilot/Flying J Travel Centers

  • Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.
  • Check cashing limits: Up to $999.99
  • Check cashing fees: Free for checks up to $200 with a minimum purchase of 25 gallons of fuel; fees vary for larger checks and checks cashed without a qualifying purchase
  • Check cashing requirements: Must be a Flying J Direct Bill Customer or a member of NATSO (National Association of Truck Stop Operators)
  • Typical hours: Check cashing is available any time the travel center is open; most locations are open 24 hours.
  • Source: Pilot/Flying J Amenities page and call to customer service
  • Find your nearest Pilot/Flying J

Road Ranger

  • Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.
  • Check cashing limits: Up to $999.99
  • Check cashing fees: Free for checks up to $200 with a minimum purchase of 25 gallons of fuel; fees vary for larger checks and checks cashed without a qualifying purchase
  • Check cashing requirements: Must be a Flying J Direct Bill Customer or a member of NATSO(National Association of Truck Stop Operators)
  • Typical hours: Most locations are open 24 hours, and check cashing is available any time.
  • Source: Road Ranger Amenities page and call to customer service
  • Find your nearest Road Ranger

TravelCenters of America

  • Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.
  • Check cashing limits: $300
  • Check cashing fees: Free for UltraONE Platinum members or with minimum qualifying fuel purchase; fees vary for non-members or check cashing with no purchase
  • Check cashing requirements: Check cashing accounts must be company- or NATSO-approved. You can apply for check cashing privileges at TravelCenters of America by printing and filling out the TravelCenters of America Check Cashing Application and bringing it to your nearest location.
  • Typical hours: Most locations open 24 hours; check cashing is available any time as long as the center has sufficient funds available.
  • Source: TravelCenters of America Amenities page and call to customer service
  • Find your nearest TravelCenters of America

Grocery Stores

The following grocery stores will cash some types of checks. Typically, you may be able to cash payroll, government, and/or personal checks at grocery stores, although some stores will cash additional types of checks. Grocery stores normally charge a small fee for check cashing services, and usually have a limit on check amounts that they’re able to cash. Note that while we’ve listed the typically available hours for check cashing in this list, hours may vary by store.

Albertsons

  • Check types cashed: Electronically signed checks
  • Check cashing limits: Up to $1,000
  • Check cashing fees: Vary by location
  • Check cashing requirements: Government-issued photo ID
  • Typical check cashing hours: 8 a.m. to 8 p.m. Monday through Friday; 8 a.m. to 6 p.m. Saturday; 10 a.m. to 4 p.m. Sunday
  • Source: Customer service
  • Find your nearest Albertsons
  • Read more in our article: Albertsons Check Cashing and Money Order Policies

Baker’s

  • Check types cashed: Payroll, government, tax refund, corporate, and insurance checks
  • Check cashing limits: $5,000
  • Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000. Lowest check cashing fees available with Baker’s Shoppers Card.
  • Check cashing requirements: Government-issued photo ID and a valid Social Security number.
  • Typical check cashing hours: 8 a.m. to 9 a.m. daily
  • Source: Kroger Money Services page
  • Find your nearest Baker’s

Dillons

Food City

Food Lion

Fred Meyer

Fry’s Food

Giant Eagle

  • Check types cashed: Personal, payroll, government, U.S. Traveler’s Checks
  • Check cashing limits: $30 for personal checks; limits vary by location for other types of checks
  • Check cashing fees: Vary by location
  • Check cashing requirements: Government-issued photo ID and Giant Eagle Advantage Card with check-cashing privileges. You can apply for the card at any Giant Eagle customer service desk. There is a 3- to 5-day wait for check cashing approval at Giant Eagle.
  • Typical check cashing hours: 10 a.m. to 7 p.m. on weekdays; 10 a.m. to 3 p.m. on weekends
  • Source: Giant Eagle Policies page and customer service
  • Find your nearest Giant Eagle
  • Read more in our article: The Giant Eagle Check Cashing Policy

Giant Food

  • Check types cashed: Payroll, government
  • Check cashing limits: Vary by location
  • Check cashing fees: Vary by location
  • Check cashing requirements: Government-issued photo ID, and you must apply for a Payroll and Business Check Cashing Card at your local Giant Food store
  • Typical check cashing hours: 8 a.m. to 9 p.m. daily
  • Source: Giant Food FAQ page and customer service
  • Find your nearest Giant Food

Hannaford

  • Check types cashed: “Regular income” checks including payroll, government, and pension
  • Check cashing limits: Vary by location
  • Check cashing fees: Vary by location
  • Check cashing requirements: Government-issued photo ID, and you must apply for check cashing privileges at any Hannaford location. Check cashing approval takes around five business days to process.
  • Typical check cashing hours: 7 a.m. to 8 p.m. daily
  • Source: Hannaford website
  • Find your nearest Hannaford

H-E-B Grocery

  • Check types cashed: Personal, payroll, government, tax refund, insurance, and dividend checks; Western Union money orders purchased at H-E-B.
  • Check cashing limits: Up to $9,500
  • Check cashing fees: Depends on the check amount; The fee for checks up to $3,000 is $3, while fees for checks over $3,000 vary
  • Check cashing requirements: Government-issued photo ID
  • Typical check cashing hours: 8 a.m. to 8 p.m. Monday through Saturday; 10 a.m. to 6 p.m. on Sundays
  • Source: H-E-B Check Cashing page and customer service
  • Find your nearest H-E-B
  • Read more in our article: H-E-B Check Cashing (Personal, Payroll, Etc.) and Money Orders: FAQ

Hy-Vee

  • Check types cashed: Payroll (check cashing available at select locations)
  • Check cashing limits: Vary by location; limits typically range from $2,000 to $5,000
  • Check cashing fees: Vary by location
  • Check cashing requirements: Government-issued photo ID
  • Typical check cashing hours: 8 a.m. to 9 p.m. daily
  • Source: Customer service
  • Find your nearest Hy-Vee
  • Read more in our article: Hy-Vee Check Cashing FAQ: Does Hy-Vee Cash Payroll Checks? Etc.

King Soopers

Kmart

  • Check types cashed: Personal, payroll, government, tax refund
  • Check cashing limits: Personal checks up to $500; all others up to $2,000
  • Check cashing fees: $1 or less
  • Check cashing requirements: Government-issued photo ID, and must be a Shop Your Way member
  • Typical check cashing hours: 8 a.m. to 10 p.m. Monday through Sunday
  • Source: Kmart Check Cashing page
  • Find your nearest Kmart

Kroger

Market Basket

  • Check types cashed: Personal, payroll
  • Check cashing limits: Up to $50 for personal checks; limits vary for payroll checks
  • Check cashing fees: Typically 1.25% of total check amount, although fees may vary by location
  • Check cashing requirements: Two forms of ID, including one government-issued photo ID. Checks must be local and able to be verified through Certegy.
  • Typical check cashing hours: 7 a.m. to 9 p.m. Monday through Sunday
  • Source: Customer service
  • Find your nearest Market Basket

Price Chopper

  • Check types cashed: Payroll
  • Check cashing limits: $350 to $1,100, depending on the level of check cashing privileges
  • Check cashing fees: Free
  • Check cashing requirements: Government-issued photo ID, and a Price Chopper AdvantEdge card with active check cashing privileges.
  • Typical check cashing hours: 8:30 a.m. to 7 p.m. on weekdays and 10 a.m. to 4 p.m. on weekends
  • Source: Customer service
  • Find your nearest Price Chopper
  • Read more in our article: Price Chopper Check Cashing? They Do It but Not for Everyone…

Publix

Ralphs

Safeway

  • Check types cashed: Printed, non-personal checks including payroll, government, and tax refund
  • Check cashing limits: Up to $1,499
  • Check cashing fees: $2.25 for every $200 cashed, though fees may vary by location
  • Check cashing requirements: Government-issued photo ID
  • Typical check cashing hours: 9 a.m. to 7 p.m. Monday through Friday; 9 a.m. to 6 p.m. Saturday; 10 a.m. to 6 p.m. Sunday
  • Source: Customer service
  • Find your nearest Safeway
  • Read more in our article: Safeway Check Cashing FAQ, Gift Card Balance Check, Money Orders

Shaw’s

ShopRite

  • Check types cashed: Payroll, government
  • Check cashing limits: Up to $500
  • Check cashing fees: Free
  • Check cashing requirements: Government-issued photo ID and a ShopRite Price Plus card with activated check cashing privileges.
  • Typical check cashing hours: 7 a.m. to 12 a.m. every day
  • Source: Customer service
  • Find your nearest ShopRite
  • Read more in our article: The ShopRite Check Cashing and ShopRite Money Order Policies (find out how to get a store card and apply for check cashing privileges)

Stop & Shop

Tops Friendly Markets

Walmart

  • Check types cashed: Payroll, government, tax rebate, insurance, 401(k), retirement distribution, cashier’s checks, and MoneyGram money orders purchased at Walmart
  • Check cashing limits: Up to $5,000 for most locations with seasonal limits up to $7,500 between January and April. Check cashing is limited to $2,000 in Florida, and not available in New York, New Jersey, or Rhose Island.
  • Check cashing fees: Checks up to $1,000 have a $3 fee, while checks between $1,000 and $5,000 have a $6 fee.
  • Check cashing requirements: Government-issued photo ID
  • Typical check cashing hours: 8 a.m. to 8 p.m. every day (though some stores may offer extended weekday hours or shorter Sunday hours)
  • Source: Walmart In-Store Check Cashing page
  • Find your nearest Walmart
  • Read more in our article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More

WinCo Foods

  • Check types cashed: Payroll
  • Check cashing limits: Up to $1,000
  • Check cashing fees: $5 token for checks up to $500; $10 token for checks up to $1,000. Tokens can be used toward the purchase of WinCo merchandise.
  • Check cashing requirements: Government-issued photo ID and the ability for WinCo to verify your employment (typically by calling your employer)
  • Typical check cashing hours: 9 a.m. to 9 p.m. every day
  • Source: WinCo Customer Service FAQs
  • Find your nearest WinCo

Winn-Dixie

Places That Don’t Cash Checks

Types of Stores That Don’t Cash Checks

Aside from grocery stores and a few department stores, you typically won’t find check cashing services available at other types of retail stores. The store types that generally do not cash checks include:

  • Auto parts stores
  • Convenience stores (most, but some do; here’s a list of convenience stores that cash checks)
  • Clothing stores
  • Dollar stores
  • Electronics stores
  • Hardware/home improvement stores
  • Office supply stores
  • Pet supply stores
  • Restaurants and fast food stores
  • Specialty stores

Banks/Credit Unions That Don’t Cash Checks

Grocery Stores That Don’t Cash Checks

  • ALDI
  • BJ’s Wholesale Club
  • Costco
  • Food 4 Less
  • Gelson’s
  • Heinen’s
  • JayC Foods
  • Sam’s Club
  • Target
  • Trader Joe’s
  • Von’s
  • Whole Foods

Pharmacies That Don’t Cash Checks

  • CVS
  • Rite Aid
  • Walgreens

In Summary

We hope you’ve identified the nearest check cashing place. Remember that whether or not the company specifies it on their website, you’ll almost always need a valid, government-issued ID in order to cash a check. If you have a check in a large amount or an unusual type of check, it’s a good idea to call ahead and verify that the place you plan to visit won’t have a problem cashing your check. No matter what type of check you are trying to cash or what area of the U.S. you are in, we hope that our comprehensive guide will help you find the check cashing place nearest you.

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