30+ Places That Cash Government Checks: Fees, Limits Detailed

There are a variety of places to cash a government check other than the bank. Many national grocery and retail chains, such as Kroger and Walmart, offer check cashing that typically costs $6 or less per check. Below, we review the government check cashing options at grocery, retail, check cashing stores, and gas stations, as well as list places that don’t cash government checks.

We’ve Done the Comparing For You — Here’s What We Recommend

The most affordable places to cash a government check without a bank account are Kroger and Walmart. Each is widely available across the U.S., and their check cashing fees are generally under $6. There is no additional rewards card or enrollment required at either store.

For more options in your local area, check out similar, smaller chains like H-E-B, which offer similar services and fees to Kroger and Walmart.

A check cashing store may also be a good alternative; however, since check cashing stores commonly charge fees that are a percentage of the total check amount, they are best for cashing small checks. If you need to cash a large check, our related research covers how and where to cash large checks.

Comparison Table: Government Check Cashing

The table below features each check cashing option’s fees, ID requirements, and store check cashing card requirements. Note that you can sort the table by clicking the arrows at the top of each column. Click each company name or scroll through the list below for more information about cashing a government check.

Company Fees ID Required? Store Card Required?
Walmart $4 to $8 Yes No
Kroger $3.50 to $6 Yes No
Fred Meyer $3.50 to $6 Yes No
Giant Food Up to $1.50 Yes Yes
Kmart About $5 Yes No
Food Lion Vary Yes No
Stater Bros. Vary Yes Varies
BI-LO Vary Yes No
Vons $2.25 per $100 Yes No
H-E-B About $3 Yes No
Stop & Shop About $0.50 Yes Yes
Ralphs Up to $6 Yes No
Smith's $3 to $6 Yes No
Food City $3 Yes No
Dillons $3.50 to $6 Yes No
ShopRite Vary Yes Yes
Fry's Up to $6 Yes No
Hy-Vee About $6 Yes Yes
Tops About $1 Yes No
Giant Eagle Varies Yes Yes
King Soopers $3 to $6 Yes No
Albertsons Vary Yes No
Shaw's Vary Yes No
Safeway About $2.25 per $200 Yes No
Check Into Cash About 3% to 5% Yes Yes
Check 'n Go Vary Yes Varies
The Check Cashing Store About 3.5% Yes No
United Check Cashing About 2% Yes No
Amscot Up to 10% Yes No
PLS About 1% plus $1 Yes No
Pilot/Flying J Travel Centers Vary Yes No
TravelCenters of America Vary Yes No

Places That Cash Government Checks

Note: The lists below appear in order from lowest to highest fees.

Grocery/Retail

Stop & Shop

Tops

Giant Food

  • Fees: Up to $1.50 per check
  • Limit: None
  • Requirements: Payroll and Business Check Cashing card (required for all government checks); valid government-issued ID the first time you cash a check
  • See our previous research on Giant Food’s check cashing policy.

Safeway

Vons

H-E-B

Food City

King Soopers

  • Fees: From about $3 to $6 (50-cent discount for rewards card members)
  • Limit: $5,000
  • Requirements: Photo ID, Social Security or Tax ID number
  • See our previous research on King Soopers’ check cashing policy.

Smith’s

  • Fees: $3 for up to $2,000; $6 for more than $2,000; rewards cardholders get 50 cents off fees
  • Limit: $5,000
  • Requirements: Valid photo ID and Social Security or Tax ID number
  • See our previous research on Smith’s check cashing policy.

Kroger

  • Fees: $3.50 for checks under $2,000; $6 for checks over $2,000; 50-cent discount for rewards members
  • Limit: $5,000
  • Requirements: Valid state-issued ID and Social Security number
  • See our previous research on Kroger’s check cashing policy.

Fred Meyer

  • Fees: $3.50 for checks up to $2,000 and $6 for checks over $2,000
  • Limit: $5,000
  • Requirements: Valid state-issued ID and Social Security number
  • See our previous research on Fred Meyer’s check cashing policy.

Dillons

  • Fees: $3.50 for checks under $2,000; $6 for checks over $2,000; 50-cent discount for rewards members
  • Limit: $5,000
  • Requirements: Photo ID and Social Security number
  • See our previous research on Dillons’ check cashing policy.

Ralphs

  • Fees: Up to $6 (rewards members save 50 cents on fees)
  • Limit: $5,000
  • Requirements: Valid photo ID
  • See our previous research on Ralphs’ check cashing policy.

Fry’s

  • Fees: Up to $6 (VIP cardholders get a 50-cent discount on fees)
  • Limit: $5,000
  • Requirements: Photo ID
  • See our previous research on Fry’s check cashing policy.

Hy-Vee

  • Fees: Up to about $6
  • Limit: $5,000
  • Requirements: Photo ID; some stores ask for second form of ID; check cashing service enrollment required
  • See our previous research on Hy-Vee’s check cashing policy (select stores only).

Walmart

  • Fees: $4 per check up to $1,000; $8 for checks over $1,001
  • Limit: $5,000
  • Requirements: Valid state-issued ID and Social Security number
  • See our previous research on Walmart’s check cashing policy.

Kmart

  • Fees: About $5 or less, depending on location
  • Limit: $2,000
  • Requirements: Valid state-issued ID
  • See our previous research on Kmart’s check cashing policy.

Shaw’s

  • Fees: Vary by store
  • Limit: $1,500
  • Requirements: Photo ID and Social Security number
  • See our previous research on Shaw’s check cashing policy.

Food Lion

Albertsons

  • Fees: Vary by location
  • Limit: $1,000
  • Requirements: Photo ID and electronically signed checks
  • See our previous research on Albertsons’ check cashing policy (check cashing availability varies by location).

Stater Bros.

  • Fees: Vary by store
  • Limit: $700
  • Requirements: Photo ID; some stores require a Stater Bros. card and a $25 minimum purchase; check cashing is not available at all locations.
  • See our previous research on the Stater Bros. check cashing policy.

BI-LO

ShopRite

Giant Eagle

  • Fees: Vary by type of check
  • Limit: Varies by store
  • Requirements: Giant Eagle rewards card required at most locations (name on check must match name on account); valid photo ID
  • See our previous research on Giant Eagle’s check cashing policy.

Check Cashing and Financial Services

PLS

  • Fees: About 1% of the total check amount plus $1
  • Limit: The above fee is based on a $1,500 check; check limits may vary
  • Requirements: Current photo ID
  • See our previous article on PLS’ check cashing policy.

United Check Cashing

The Check Cashing Store

Check Into Cash

Amscot

Check ‘n Go

Gas Stations

TravelCenters of America

  • Fees: Vary by location; free for UltraONE Platinum and Standard members
  • Limit: $300
  • Requirements: Valid photo ID

Pilot/Flying J Travel Centers

  • Fees: Vary by location
  • Limit: $999.99
  • Requirements: Valid government-issued ID

Note: Individually owned gas stations have the option to offer check cashing to customers or not. See our related research on gas stations that offer check cashing.

Banks

Regions

  • Fees: 1.5% of check amount ($5 minimum fee)
  • Limit: No limit
  • Requirements: Non-accountholders cashing a check for the first time must enroll in the check-cashing service. To enroll, you must present a valid ID and social security number.

We contacted many of the other major banks in the U.S., including PNC, Fifth Third Bank, and U.S. Bank, and they all verify that only checks drawn on their bank can be cashed by non-accountholders. However, account holders can deposit or cash government checks.

Places That Don’t Cash Government Checks

In the course of our research, we found that the following places do not cash government checks. (Note: Linked titles will take you to our dedicated research on each company.)