Check Cashing Places That Don’t Use Certegy (+ Grocery Stores, etc)

Certegy is a third-party check verification service used by many stores to authenticate a check before it’s cashed. Unfortunately, sometimes Certegy will flag a perfectly valid check as risky — which means the store will be unable to cash it. It can also be difficult to get your name cleared through Certegy once you’ve had a check rejected by their system.

Fortunately, not all stores that cash checks use Certegy, so you still have options for check cashing! We’ve done the research and learned which check cashing stores don’t use Certegy and which ones do, so you’ll know which stores to head to and which stores to avoid.

In This Article

Stores That Don’t Use Certegy

We’ve assembled a list of check cashing stores, grocery stores, and a few other stores where you can cash a check without going through the Certegy verification process:

Check Cashing Stores That Don’t Use Certegy

These are the check cashing places that don’t Certegy — or any other third-party verification system — to cash checks. Instead, these stores required a valid photo ID to cash checks, and for personal checks, will typically call the issuing bank to ensure that the funds are available.

Advance Financial

  • Check cashing requirements: Valid, government-issued photo ID
  • Types of checks cashed: Payroll, personal, government, and insurance checks
  • Source: Corporate customer service
  • Find your nearest Advance Financial

Check Into Cash

  • Check cashing requirements: Valid, government-issued photo ID
  • Types of checks cashed: Cashier’s checks, government checks, insurance drafts or checks, loans, payroll, personal checks, and tax refunds
  • Source: Corporate customer service
  • Find your nearest Check Into Cash

Community Financial Service Center (CFSC)

  • Check cashing requirements: Valid, government-issued photo ID
  • Types of checks cashed: Business checks, employer bonuses, government checks, insurance, payroll, personal, settlements, Social Security, tax refunds, veteran’s benefits, and unemployment checks
  • Source: Corporate customer service
  • Find your nearest CFSC

Pay-O-Matic (New York)

  • Check cashing requirements: Valid, government-issued photo ID
  • Types of checks cashed: Business, government, insurance settlements, loans, payroll, tax refunds, and union checks
  • Source: Corporate customer service
  • Find your nearest Pay-O-Matic

PLS Check Cashing

Speedy Cash

  • Check cashing requirements: Valid, government-issued photo ID
  • Types of checks cashed: Personal, payroll, government, insurance, tax refund, money orders, and cashier’s checks
  • Source: Corporate customer service
  • Find your nearest Speedy Cash

The Check Cashing Store (Florida)

  • Check cashing requirements: Two forms of ID, including at least one valid, government-issued photo ID
  • Types of checks cashed: Personal, payroll, government, insurance, small business, money orders, and tax refunds
  • Source: Corporate customer service
  • Find your nearest The Check Cashing Store

Grocery Stores That Don’t Use Certegy

It’s common for grocery stores to use either Certegy or TeleCheck to verify checks. While TeleCheck is also a third party verification system similar to Certegy, the two services maintain separate records of declined checks. This means a check that is declined by Certegy’s system may not be declined by TeleCheck, and vice versa. Therefore, some of the grocery stores on this list may use Telecheck instead of Certegy.

BJ’s Wholesale Club

  • Check cashing requirements: Must be a BJ’s member; must present a valid government issued, photo ID with check
  • Types of checks cashed: Personal checks
  • Source: Corporate customer service
  • Find your nearest BJ’s

Food 4 Less

  • Check cashing requirements: Must present valid government issued, photo ID with check
  • Types of checks cashed: Personal checks
  • Source: Corporate customer service
  • Find your nearest Food 4 Less

Giant Eagle

  • Check cashing requirements: Must have a Giant Eagle Advantage card with check cashing privileges. Apply for the card at the customer service desk with your valid government issued, photo ID. Approval takes up to 48 hours.
  • Types of checks cashed: Payroll and government checks
  • Source: Corporate customer service
  • Find your nearest Giant Eagle

Giant Food

  • Check cashing requirements: You must apply for a Payroll and Business Check Cashing card in your local store to activate check cashing privileges. All checks are verified with TeleCheck before the store will cash them. If TeleCheck does not recognize you, you will be asked to present a driver’s license, state issued ID, or military ID.
  • Types of checks cashed: Personal, payroll, and government checks
  • Source: Giant Food FAQ pages
  • Find your nearest Giant Food

Hannaford

  • Check cashing requirements: Must present valid government issued, photo ID with your check
  • Types of checks cashed: Payroll, government, and pension checks considered “regular income”
  • Source: Corporate customer service
  • Find your nearest Hannaford

Stop & Shop

  • Check cashing requirements: Government-issued photo ID. You must also apply for a Payroll and Business Check Cashing card at any Stop & Shop location. All checks are verified with TeleCheck before the store will cash them.
  • Types of checks cashed: Payroll and government checks
  • Source: Corporate customer service and the Stop & Shop FAQs page
  • Find your nearest Stop & Shop

Wegmans

  • Check cashing requirements: Customers must have a Shoppers Club Card with approved check writing services. Apply at the customer service desk with a valid photo ID and a voided personal check. Check writing and cashing approval may take up to 48 hours.
  • Types of checks cashed: Personal checks
  • Source: Corporate customer service
  • Find your nearest Wegmans

WinCo

  • Check cashing requirements: Must present a valid government issued, photo ID to cash a check
  • Types of checks cashed: Payroll checks
  • Source: Corporate customer service
  • Find your nearest WinCo

Other Stores That Don’t Use Certegy

The following stores do not have check cashing services, but do accept checks for payment and give small amounts of cash back on personal checks. These stores use TeleCheck rather than Certegy to verify personal checks used for purchases:

  • CVS
  • Dollar Tree
  • Family Dollar
  • The Home Depot

Stores That Use Certegy

Didn’t see the store you wanted on the list of those that don’t use Certegy? Here are the stores that we found do use Certegy to verify checks, so you’re not left wondering. We confirmed the following information through calls to customer service representatives:

Check Cashing Stores That Use Certegy

These check cashing places use Certegy before cashing checks:

  • ACE Cash Express
  • Check ’n Go
  • Money Mart
  • United Check Cashing

Grocery Stores That Use Certegy

Some stores that cash checks don’t use third-party verification, but many of the largest grocery store and retail chains use Certegy to verify funds before accepting a check. Here’s the list of grocery stores that use Certegy for check cashing.

  • Albertsons
  • Costco
  • Food Lion
  • Harris Teeter
  • King Soopers
  • Kroger
  • Piggly Wiggly
  • Publix
  • Safeway
  • Shaw’s
  • Winn-Dixie

Department Stores That Use Certegy

  • Big Lots
  • Dollar General
  • Kmart
  • Sears
  • Target
  • Walmart (a few locations use TeleCheck instead of Certegy)

Pharmacies That Use Certegy

  • Rite Aid
  • Walgreens

Other Stores That Use Certegy

  • Bed Bath & Beyond
  • Best Buy
  • Lowe’s
  • Staples

In Summary

Check cashing that does not use Certegy is available. While many check cashing stores and grocery stores use Certegy to verify checks before they’re cashed, there are some chains that do not use this service. If you’re looking to cash a check without third-party verification, chances are you can find a store near you that will accommodate your needs.

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