Ralphs is a member of the family of stores owned by The Kroger Company, a major supermarket chain. Most Ralphs stores offer the convenience of check cashing. Here’s what you need to know about their policies, fees, limits, and more.

The Ralphs Check Cashing Policy

Does Ralphs cash checks? You bet — Ralphs stores with Money Services centers cash payroll, government, income tax refund, insurance, and business checks. However, no personal checks, starter checks, cashier’s checks, or third party checks are accepted. You can cash a check up to $5,000, but your local Ralphs may impose a lower limit due to state regulations.

Check Cashing Requirements

To cash a check at Ralphs, you’ll need to provide your social security number or taxpayer identification number (TIN) and 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

You can save on check cashing fees at Ralphs if you have a Ralphs Rewards Card. You can apply for one at the Money Services desk for free. The check cashing fees at Ralphs are:

  • For Ralphs Reward Card holders: $3 for checks up to $2,000; $5.50 for checks over $2,000 and up to $5,000
  • For non-cardholders: $3.50 for checks up to $2,000; $6 for checks over $2,000 and up to $5,000 (verified by customer service)

Check Cashing Hours

While most stores open at either 5 or 6 AM and stay open until midnight or later, you can only cash a check when the Money Services desk is open — from 8 AM – 8 PM, every day.

Find a Ralphs near you. Note that Ralphs stores are primarily located in California. If there are no Ralphs in your area, you can use the Money Services store locator to find another Kroger subsidiary with Money Services near you, including Kroger, Smith’s, Fry’s Food, King Soopers, Quality Food Centers (QFC), Fred Meyer, City Market, Dillons, Baker’s, Owen’s, Pay Less Supermarkets, and Gerbes. They offer the same check cashing services, limits, and fees.

Check Cashing Policies for Other Grocery Stores

1. Albertsons

2. Food City

3. Food Lion

4. Giant Eagle

  • Types of checks cashed: Personal, payroll, government checks, and U.S. traveler’s checks
  • Requirements: Must have a valid photo ID and a Giant Eagle Advantage Card to cash checks. Accepted forms of ID include a valid driver’s license, state-issued photo ID or military photo ID.
  • Limits: $30 limit for personal checks and limits vary by location for payroll, government, and traveler’s checks
  • Fees: Vary by location
  • Source: Giant Eagle Policies
  • Learn more in our article: Giant Eagle Check Cashing Policy: Everything You Need to Know
  • Find a Giant Eagle near you

5. Giant Food

  • Types of checks cashed: Payroll, government
  • Requirements: Must have a valid photo ID and a Payroll and Business Check Cashing Card (apply for the card at your nearest Giant Food store). Accepted forms of ID include driver’s license, military ID, or state-issued ID.
  • Limits: No specific limit; up to manager’s discretion
  • Fees: Vary by location
  • Source: Giant Food FAQs
  • Find a Giant Food near you

6. Hannaford

  • Types of checks cashed: Payroll, government, pension (must be considered “regular income”)
  • Requirements: Must have a valid photo ID and submit a check cashing application. Check cashing privileges take around five business days to process. Accepted forms of ID include driver’s license, military ID, or state-issued ID card
  • Limits: No specific limit; up to manager’s discretion
  • Fees: Vary by location and check amount
  • Source: Hannaford Check Cashing
  • Find a Hannaford near you

7. Kroger (and several Kroger owned stores)

NOTE: Kroger that have the same money services are — Smith’s, Fry’s Food, King Soopers, Quality Food Centers (QFC), Fred Meyer, City Market, Dillons, Baker’s, Owen’s, Ralphs, Pay Less Supermarkets, and Gerbes.

  • Types of checks cashed: Payroll, government, income tax refund, insurance settlement, and business checks
  • Requirements: SSN or TIN and a valid photo ID. Acceptable forms of ID include driver’s license, state-issued ID, military ID, resident alien ID, matricula consular ID, US-issued passport, and tribal ID.
  • Limits: Up to $5,000. However, limits may vary by state.
  • Fees:
    • For shopper’s card holders: $3 for checks up to $2,000 and $5.50 for checks $2,000.01-$5,000.
    • For non-shopper’s card holders: $3.50 for checks up to $2,000 and $6 for checks $2,000.01-$5,000.
  • Source: Kroger Money Services
  • Find a Kroger store with money services

8. Market Basket

  • Types of checks cashed: Payroll checks and personal checks
  • Requirements: To cash a check, it must be local and certified and you must have two forms of identification.
  • Limits: $50
  • Fees: 1.25% of check amount (may vary by location).
  • Source: Customer service
  • Find a Market Basket

9. Meijer

  • Types of checks cashed: Payroll and government checks
  • Requirements: Valid photo ID and enrollment in the Certegy verification system with a seven-day waiting period. Enroll in-store at your nearest Meijer.
  • Limits: $1,000 limit for payroll checks; $1,999.99 limit for government checks
  • Fees: Varies by location and check amount
  • Source: Meijer Check Cashing
  • Find a Meijer

10. Publix

  • Types of checks cashed: Personal and payroll checks
  • Requirements: Valid photo ID. Acceptable forms of ID include a driver’s license, state-issued photo ID card, or military ID.
  • Limits: $75 limit for personal checks (one per day); $500 limit for payroll (one per week)
  • Fees: Typically $3-$6; fees vary by location
  • Source: Customer service
  • Learn more in our article: Publix Money Order and Publix Check Cashing Policies (In Plain English)
  • Find a Publix

11. Safeway

  • Types of checks cashed: Printed checks. No personal checks allowed.
  • Requirements: Valid photo ID. Acceptable forms of ID include a driver’s license, state-issued photo ID card, or military ID.
  • Limits: $1,499
  • Fees: $2.25 for every $200 cashed, but fees may vary by store
  • Source: Customer service
  • Learn more in our article: Safeway Check Cashing FAQ, Gift Card Balance Check, Money Orders
  • Find a Safeway

12. Shaw’s

  • Types of checks cashed: Payroll and government checks
  • Requirements: Valid photo ID. Acceptable forms of ID include a driver’s license, state-issued photo ID card, tribal ID, or military ID.
  • Limits: $1,500
  • Fees: Vary by location
  • Source: Customer service
  • Learn more in our article: Shaw’s Check Cashing Policy: Which Types of Checks Can Be Cashed and More
  • Find a Shaw’s

13. Walmart

  • Types of checks cashed: Payroll, government, tax, insurance, retirement, cashier’s checks, insurance checks, and MoneyGram money orders purchased at Walmart
  • Requirements: Valid photo ID and SSN. Acceptable forms of ID include driver’s license, state-issued ID card, military ID, tribal ID, or U.S. passport
  • Limits:  $5,000
  • Fees: $3 for checks up to $1,000; $6 for checks $1,000.01-$5,000
  • Source: Walmart Check Cashing
  • Learn more in our article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More
  • Find a Walmart

14. WinCo Foods

  • Types of checks cashed: Payroll checks
  • Requirements: Valid state-issued ID and the ability for WinCo to verify your employment with your employer.
  • Limits: $1,000
  • Fees: $5 token fee for checks up to $500, $10 token fee for checks above $500. These token fees can then be used toward the purchase of merchandise.
  • Source: WinCo Foods FAQs
  • Find a WinCo Foods

15. Winn-Dixie

  • Types of checks cashed: Electronically signed checks. No handwritten or hand-signed checks
  • Requirements: Valid photo ID. Acceptable forms of ID include driver’s license, state-issued ID card, military ID, or tribal ID.
  • Limits:  $500
  • Fees: $3.50 per check
  • Source: Customer service
  • Learn more in our article: Winn-Dixie Check Cashing and Money Order FAQ: Limit, Provider
  • Find a Winn-Dixie

In Summary

At Ralphs stores with Money Service centers, you can cash payroll, government, income tax refund, insurance, and business checks up to $5,000. If you have a Ralphs Rewards Card, you can enjoy discounted check cashing fees. Fortunately, if there’s no Ralphs in your area, many other grocery stores also offer check cashing services.