Does Ralphs Cash Checks? Answered

A Ralphs storefront that offers check cashing.

Short Answer — Ralphs stores with Money Services centers offer check cashing for certain types of checks. You’ll need to bring a government-issued photo ID and provide your Social Security or taxpayer identification number. Fees range from around $3 to $6, with a small discount available for Ralphs Rewards Cardholders.

Ralphs’ Check Cashing Policy

Ralphs stores with Money Services centers cash payroll, government, income tax refund, insurance, and business checks. In most cases, you can cash a check up to $5,000. However, your local Ralphs may impose a lower limit due to specific state regulations. Ralphs does not cash personal checks, starter checks, cashier’s checks, or third party checks at any of its locations.

Check Cashing Requirements

To cash a check at Ralphs, you’ll need to provide your Social Security number or taxpayer identification number (TIN) along with a current and valid state or federal government-issued photo ID. Acceptable forms of identification include a driver’s license, state‐issued ID, military ID, resident alien ID, matricula consular ID, U.S.-issued passport, tribal nation ID, or reservation ID.

Check Cashing Fees

Check cashing fees at Ralphs vary depending on the amount of your check and whether or not you have a Ralphs Rewards Card. You can save $.50 on check cashing fees if you have a Rewards Card. If you don’t have a Rewards Card, you can apply for one at the Money Services desk for free. To clarify what sort of check cashing fees Ralphs imposes, we spoke with the grocery chain’s customer service department. The check cashing fees at Ralphs are:

  • For Ralphs Rewards Card holders: Around $3 for checks up to $2,000; around $5.50 for checks of $2,000.01 to $5,000
  • For non-cardholders: Around $3.50 for checks up to $2,000; $6 for checks of $2,000.01 to $5,000

Check Cashing Hours

While most Ralphs open at either 5 or 6 a.m. and stay open until midnight or later, you can only cash a check when the Money Services desk is open. Ralphs’ Money Services centers are open from 8 a.m. to 8 p.m. every day.

If Ralphs does not cash the type of check you have, we have the list of grocery stores that cash all types of checks.

In the course of our research, we have also created roundups of where to cash cashier’s checks, where to cash personal checks, where to cash starter checks, and where to cash third-party checks.

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