Fred Meyer Check Cashing Policy: Fees, Check Types, etc

Fred Meyer sign outside of a store

Fred Meyer is more than just a neighborhood grocery store — for countless customers, it’s also their go-to banking center. You can not only get your groceries for the week, but you can also use its money services.

Fred Meyer offers a variety of services, including on-the-spot check cashing. It’s fast and relatively inexpensive to cash payroll and government checks there.

See the complete Fred Meyer check cashing policy below.

Check Types

Fred Meyer will only cash the following types of checks:

  • Government checks
  • Payroll checks
  • Tax refund checks
  • Insurance checks
  • Corporate checks

Fred Meyer will not cash the following types of checks:


To cash a check at Fred Meyer, you will need to provide:

  • A valid Social Security number
  • A current, valid, state- or federal government-issued ID card (e.g., U.S. passport, military ID, resident alien ID, driver’s license, tribal ID, or tax ID)

Bring your ID card and Social Security number to the money services/customer service center at any Fred Meyer. Most Fred Meyer money service centers are open late, but the exact hours vary depending on location. Contact your nearest Fred Meyer.

Fred Meyer uses Certegy to authorize checks before cashing them. Certegy uses its databases to analyze checks before approving or denying them. If your check is denied, you can use Cetergy’s online denied check lookup tool to find out why. Or, if you’re just curious, you can request your file from Certegy.

Limits and Fees

It costs $3.50 per check to cash checks up to $2,000, and $6 per check to cash checks from $2,000.01 to $5,000. You cannot cash a check larger than $5,000.

If you sign up for a free Fred Meyer Rewards Plus card, you can save $0.50 on all check cashing fees.

Find more information about fees and limits on the Fred Meyer Money Services page.

If you’re looking for similar places to cash checks, learn more in our article: Grocery Stores That Cash Checks: Personal, Payroll, Insurance, etc.

Prepaid Debit Card Loading

When you cash a check, the customer service representative will offer to load the funds from your check onto a Fred Meyer Rewards Visa Prepaid Debit Card, a prepaid debit card that can be used just like a bank debit card anywhere Visa is accepted, even online.

This card earns you rewards points whenever you use it to make a purchase and double rewards points for purchases at Fred Meyer. Those points pile up into rebates mailed to you every February, May, August, and November. The rewards card also saves you money on gas when filling up at a Fred Meyer Fuel Center. When you redeem at least 100 fuel points, you’ll earn $0.05 back for each gallon you pump at a Fred Meyer Fuel Center.

It costs $3 to purchase a Fred Meyer Rewards Visa Prepaid Debit Card; however, when you cash a check and load the amount onto the card, this fee is waived. You’ll be issued a temporary card the day you sign up for the card and have your first check loaded onto it; then, you’ll receive a personalized card in the mail in just 7-10 business days.

Once you have the personalized card in hand, you can continue to load the funds from your cashed checks onto it. You can also load it with anywhere from $10-$1,000 by swiping it at any of the checkout stations at Fred Meyer or visiting the customer service desk. You can also sign up for direct deposits and have your government or payroll checks deposited automatically onto the card.


  • Brittany

    If i don’t have ID but know my SS# can you still cash my check?

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Brittany,

      You must have an ID to cash a check. There are a few alternatives you can try if you don’t have an ID. If you have a bank account, you can often use a mobile deposit app. And sometimes, you can use a non-bank mobile deposit app or load the check to a prepaid card. For details on those options and a few others, check out our article How to Cash a Check Without ID or Bank Account? How It’s Done.

  • Puzzled

    I went to a Fred Meyer to cash a government check, I had valid id and my social security number. But they denied me cause they said they couldn’t prove my identity. Why did this happen??

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Puzzled,

      It may be that Certegy denied your check, and not Fred Meyer itself. Fred Meyer verifies checks through Certegy, a check authorization company, before it will cash the check. At the store and at the time you’re there trying to cash your check, if Certegy denies your check, the Fred Meyer employee won’t know why Certegy denied the check. If you’d like to find out Certegy’s file on you and your check cashing history, you can use Certegy’s denied check look up or call them at (800) 237-3826.

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