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.

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.

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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)

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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.

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In Summary

And that is Ralphs’ check cashing policy in plain language. 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. See our article, Grocery Stores That Cash Checks: Personal, Payroll, Insurance, etc for the complete list.