EFS Check Cashing Near Me

Short Answer: EFS checks can be cashed at several national truck stop and travel center chains, including Love’s Travel Stops, Pilot Flying J Travel Centers, Road Ranger truck stops and travel centers, TA-Petro, and select Roady’s truck stops. Most of these locations will cash an EFS check any time of day. Check limits range from $300 to $999.99. Fees may apply but can sometimes be waived with a minimum fuel purchase. For more on where to find EFS check cashing locations, see below.

EFS Check Cashing Near Me

Electronic Funds Source (EFS) checks are commonly issued by trucking companies to allow their drivers to pay for expenses like as fuel and maintenance while they’re on the road.

Below you’ll find the list of national truck stop and travel center chains that cash EFS checks, plus information on hours, fees, limits, and requirements.

Love’s Travel Stops

  • Limit: $999
  • Fee: $3 or 3% of the check amount, whichever is greater
  • Hours: Vary by location; some locations cash checks 24 hours a day, while others only cash checks during business hours. Contact the Love’s location you’re interested in to confirm its check cashing hours.
  • Requirements: You must have a valid photo ID
  • Locations: Nationwide; find a Love’s near you
  • Source: Love’s Travel Stops store associates at locations in Florida and Arizona

Pilot Flying J Travel Centers

Road Ranger

  • Limit: $999.99
  • Fee: $3 for every $100 or 3% of the check amount, depending on the location; the fee can be waived for the first $200 if you purchase at least 25 gallons of fuel
  • Hours: 24 hours a day
  • Requirements: You must have a valid photo ID
  • Locations: Throughout the Midwest; find a Road Ranger near you
  • Source: Road Ranger store associates in Illinois and Wisconsin; Road Ranger website

Roady’s (select locations)

  • Limit: Varies by location; a Roady’s in Nevada told us that the limit is $800, while a location in Illinois said the limit depends on how much money it has available
  • Fee: Varies by location; the Roady’s in Nevada charges $6.50 per $100, while the location in Illinois does not charge a fee
  • Hours: 24 hours a day, provided the location has the funds available
  • Requirements: You must have a valid photo ID
  • Locations: Nationwide; find a Roady’s near you
  • Source: Roady’s store associates in Illinois, Kansas, and Nevada

TA/Petro

  • Limit: $300
  • Fee: Varies by location; a location in Colorado told us it charges 3% of the check amount, while a location in North Carolina said it charges a flat $2 fee per check. The North Carolina location said the fee can be waived if you purchase at least 60 gallons of diesel fuel or spend at least $60 in non-fuel merchandise or services.
  • Hours: 24 hours a day
  • Requirements: You must have a valid photo ID
  • Locations: Nationwide; find a TA/Petro near you
  • Source: TA and Petro store associates in Colorado and North Carolina; TA/Petro website

Places That Do Not Cash EFS Checks

While large retail stores like Walmart do not cash EFS checks (as previously reported), we were told by several banks that you’ll need to bring the check to a bank branch for review and verification before the bank will decide if it will cash the check or not. However, if you have an account with the bank, you can deposit an EFS check into your account free of charge. The banks we contacted include:

  • Bank of America
  • Chase
  • U.S. Bank
  • Wells Fargo

More Information

For the list of places that cash non-EFS checks, see our articles on nearby check cashing places and grocery stores that cash checks.

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