Does Ralphs Cash Checks? Ralphs’ Check Cashing Policy Explained

Short Answer: Ralphs stores with Money Services centers offer check cashing for certain types of checks. To cash a check at Ralphs, 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. Here’s what you need to know about Ralphs’ check cashing policy, including available hours, fees, exclusions, and more.

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

If you’re looking for places that offer free check cashing services, our article has the details.

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 those hours don’t work for you, our article has the list of businesses that cash checks 24/7.

In Summary

You can cash payroll, government, income tax refund, insurance, and business checks up to $5,000 at Ralphs with Money Services centers. If you have a Ralphs Rewards Card, you can enjoy a $.50 discount on check cashing fees. If Ralphs does not cash the type of check you have, we have the list of 30+ grocery stores that cash all types of checks.

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

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