38 Grocery Stores That Cash Checks: Personal, Payroll, Insurance, etc

Many grocery stores offer customers the best in one-stop-shopping, thanks to their convenient check-cashing services. You can cash government checks, payroll checks, tax refund checks, and even personal checks at many of the country’s most popular grocery stores. If you want to avoid going to the bank, you need to cash a check outside of typical business hours, or if you’ve finally gotten your jury duty check and want the money ASAP, continue on to find out which grocery stores offer check cashing services, the types of checks they cash, and the associated fees.

Comparison Table

You can use the table below for a quick comparison of the grocery stores that cash checks, including information about accepted check types and the associated fees. Then, click any store or scroll for more information.

Grocery Store Acceptable Check Types Fees
Albertsons Electronically signed checks under $1,000 Vary by location
Baker's Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
BI-LO Government, payroll, tax refund, and business checks Vary by location
City Market Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Country Mart Payroll checks 2% of the check amount (half will be returned to you as store credit)
Dillons Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Food City Government checks; payroll and rebate checks up to $1,000 (if on the list of approved employers and companies) $3 per check
Food Lion Personal, government, rebate, tax refund, and traveler's checks up to $500; payroll checks up to $1,000 Vary by state
Fred Meyer Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Fry's Food Stores Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Gerbes Super Markets Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Giant Eagle Personal, payroll, government, and traveler's checks Vary by location
Giant Food Government and payroll checks Vary by location
Hannaford Payroll, government, and pension checks Vary by location
H-E-B Personal, payroll, government, tax refund, insurance, and dividend checks $3 for checks up to $3,000; variable for larger checks
Hy-Vee Printed payroll checks $2 to $6 per check
Ingles Printed payroll checks Vary by location
King Soopers Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Kroger Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Market Basket Payroll and personal checks up to $50 1.25% of the check amount
Owen's Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Pay Less Super Market Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Price Chopper Payroll checks None
Publix Personal and payroll checks $3 to $6 per check
Quality Food Centers (QFC) Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Ralphs Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Safeway Printed payroll and government checks $2.25 for every $200 cashed
Schnucks Personal checks up to $100 $1.50 per check
Shaw's Government and payroll checks Vary by location
ShopRite Payroll and government checks None
Smith's Government, payroll, tax refund, insurance, and business checks $3.50 for checks up to $2,000; $5.50 for checks $2,000 to $5,000
Stater Bros. Markets Government and payroll checks Vary by location
Stop & Shop Government and payroll checks Vary by location
Tops Friendly Market Government and payroll checks $1 per check
Vons Printed payroll and government checks $2.25 for every $100 cashed
Walmart Payroll, government, tax refund, insurance, retirement, 401(k), and cashier's checks $3 for checks up to $1,000; $6 for checks $1,000 to $5,000
Wegmans Personal and traveler's checks up to $500; rebate checks up to $20 Free for Shopper's Club cardholders
WinCo Foods Payroll checks $5 token for checks up to $500; $10 token for checks up to $1,000
Winn-Dixie Electronically signed checks up to $500 $3.50 per check

The List

Albertsons

  • Types of checks cashed: Electronically signed checks under $1,000 (at most locations)[1]
  • Fees: Vary by location
  • Other important info: Check cashing policies at Albertsons may vary by location — be sure to contact your local store and ask about its individual check-cashing services.[1]
  • Find an Albertsons

For even more information, see our article about Albertsons’ check cashing policies.

Baker’s

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[2]
  • Fees: $3.50 per check for checks up to $2,000; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[2]
  • Other important info: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[2]
  • Find a Baker’s

BI-LO

  • Types of checks cashed: Government, payroll, tax refund, and business checks[3]
  • Fees: Vary, but checks must not be more than $500[3]
  • Other important info: To cash a check, the issuing bank must be in the same state as the BI-LO store you visit.[3]
  • Find a BI-LO

See more details in our article on BI-LO’s check cashing policy.

City Market

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important info: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a City Market

Country Mart

  • Types of checks cashed: Payroll checks[5]
  • Fees: 2% of the total check amount. However, half of the check cashing fee will be returned to you as store credit.[6]
  • Other important info: You must show a government-issued photo ID.[6]
  • Find a Country Mart

Dillons

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important info: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Dillons

For even more information, see our research on Dillons check cashing policies.

Food City

  • Types of checks cashed: Payroll checks, U.S. government checks, and rebate checks up to $1,000; payroll checks and rebate checks must be on store approved lists of employers and companies, respectively[7]
  • Fees: $3 per check[7]
  • Other important info: You must show a government-issued photo ID to cash a check; you can call ahead to make sure your payroll or rebate check is on the approved list.[7]
  • Find a Food City

See more in our research on Food City’s check cashing policies.

Food Lion

  • Types of checks cashed: Personal, government, rebate, tax refund, and U.S. Traveler’s Checks up to $500. Payroll checks up to $1,000.[8]
  • Fees: Fees will vary by state.[8]
  • Other important information: To cash a check, you will need a valid and current form of ID. Accepted forms of ID include government-issued driver’s license, military ID, Native American tribal ID, or U.S. passport.[8]
  • Find a Food Lion

For even more information, see our article on Food Lion’s check cashing policies.

Fred Meyer

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[9]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[9]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[9]
  • Find a Fred Meyer

See more details in our research on Fred Meyer’s check cashing policies.

Fry’s Food Stores

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Fry’s

For more details, see our article about Fry’s check cashing policies.

Gerbes Super Markets

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Gerbes

Giant Eagle

  • Types of checks cashed: Personal, payroll, government, and U.S. Traveler’s Checks[10]
  • Fees: Vary by location
  • Other important information: To cash a check, you need a Giant Eagle Advantage card (the name must match the check, and you must endorse the check in front of an authorized employee).[10]
  • Find a Giant Eagle

For more information, see our dedicated research on Giant Eagle’s check cashing policies.

Giant Food

  • Types of checks cashed: Government and payroll checks[11]
  • Fees: Vary by location
  • Other important information: You must first apply for a Check Cashing card at the store. You’ll also need a valid form of ID, such as a U.S. driver’s license, military ID, or state-issued ID card.[11]
  • Find a Giant Food

See our related research on Giant Food’s check cashing policies.

Hannaford

  • Types of checks cashed: Payroll, government, and pension checks that are considered regular income[12]
  • Fees: Vary by location[12]
  • Other important information: You need a current photo ID and you also need to fill out a check cashing form that takes about five business days to process.[12]
  • Find a Hannaford

H-E-B

  • Types of checks cashed: Personal, payroll, government, tax refund, insurance, and dividend checks; Western Union money orders purchased at H-E-B.[13]
  • Fees: Depends on the check amount; The fee for checks up to $3,000 is $3, while fees for checks over $3,000 vary[13]
  • Other important information: To cash a check, you need a government-issued photo ID[13]
  • Find an H-E-B

See more in our article on H-E-B’s check cashing policies.

Hy-Vee

  • Types of checks cashed: Printed payroll checks; limits vary but range from $2,000 to $5,000[14]
  • Fees: $2 to $6 per check[14]
  • Other important information: Not all locations offer check cashing (in fact, only a small minority do — use the store locator to view store services, or call ahead to confirm that yours can); you’ll need to show a government-issued photo ID[14]
  • Find a Hy-Vee

For even more information, see our article on Hy-Vee’s check cashing policies.

Ingles

  • Types of checks cashed: Printed payroll checks up to $250[15]
  • Fees: Vary by location
  • Other important information: To cash a check, you must show a photo ID and you must have an Ingles Advantage Card[15]
  • Find an Ingles

See our dedicated research on the Ingles check cashing policy.

King Soopers

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks.[16]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[16]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[16]
  • Find a King Soopers

For even more information, see our article about the King Soopers check cashing policy.

Kroger

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[17]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[17]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[17]
  • Find a Kroger

For more information, see our research on Kroger’s check cashing policies.

Market Basket

  • Types of checks cashed: Payroll checks and personal checks of no more than $50[18]
  • Fees: 1.25% of check amount (may vary by location)[18]
  • Other important information: To cash a check, it must be local and certified, and you must have two forms of identification.[18]
  • Find a Market Basket

Owen’s

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find an Owen’s

Pay Less Super Market

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Pay Less

Price Chopper

  • Types of checks cashed: Payroll checks[19]
  • Fees: Free[19]
  • Other important info: You must sign up for an AdvantEdge card and apply for check cashing privileges. This process does take a bit — you’ll only have check cashing privileges after you’ve had the card for 15 to 30 days.[19]
  • Find a Price Chopper

For even more information, see our research on Price Chopper’s check cashing policies.

Publix

  • Types of checks cashed: Personal and payroll checks[20]
  • Fees: Between $3 and $6 per check; fees vary by location[20]
  • Other important information: To cash a check, you’ll need a state or federal government-issued ID.[20]
  • Find a Publix

See our dedicated research on the Publix check cashing policies.

Quality Food Centers (QFC)

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a QFC

Ralphs

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Ralphs

For more information, see our research on Ralphs check cashing policies.

Safeway

  • Types of checks cashed: Printed payroll checks and government checks up to $1,499 including disability, Social Security, tax refunds, and unemployment[21]
  • Fees: $2.25 for every $200 cashed[21]
  • Other important information: Safeway will not cash personal checks, handwritten checks, or starter checks. To cash a check, you’ll need photo identification.[21]
  • Find a Safeway

See more information in our article about Safeway’s check cashing policies.

Schnucks

  • Types of checks cashed: Personal checks up to $100[22]
  • Fees: $1.50 per check[22]
  • Other important information: You must apply for check cashing privileges at the customer service desk. It can take up to a week to process the application, and you’ll need a government-issued photo ID to apply.[22]
  • Find a Schnuck’s

Our dedicated article has more information about Schnuck’s check cashing policies.

Shaw’s

  • Types of checks cashed: Government and payroll checks up to $1,500[23]
  • Fees: Vary by location[23]
  • Other important information: To cash a check, you’ll need a valid Social Security number and a valid state or federal government-issued ID.[23]
  • Find a Shaw’s

For more information, see our research on Shaw’s check cashing policies.

ShopRite

  • Types of checks cashed: Payroll and government checks, usually up to $500[24]
  • Fees: Free[24]
  • Other important information: Not all stores cash checks; you need to sign up to be a Co-op club member, get a ShopRite Price Plus card, and activate check cashing privileges; you must provide your government-issued photo ID, driver’s license number, checking account number, and contact information.[24]
  • Find a ShopRite

Our dedicated research has more information about ShopRite’s check cashing policies.

Smith’s

  • Types of checks cashed: Government, payroll, tax refund, insurance, and business checks[4]
  • Fees: $3.50 per check for $2,000 and less; $5.50 for checks up to $5,000; $0.50 discount per check if you have a Shopper’s Card[4]
  • Other important information: To cash a check, you will need a valid Social Security number or individual tax ID number and a valid state or federal government-issued ID card.[4]
  • Find a Smith’s

See our article for more on Smith’s check cashing policies.

Stater Bros. Markets

  • Types of checks cashed: Government and payroll checks[25]
  • Fees: Vary by location for checks up to $700[25]
  • Other important information: To cash a check, you must make a minimum purchase of $25. You may also need a Stater Bros. card, and you will need to show a photo ID.[25]
  • Find a Smith’s

See our dedicated article about Stater Bros. check cashing services.

Stop & Shop

  • Types of checks cashed: Government and payroll checks[26]
  • Fees: Vary by location
  • Other important information: You must apply for a Check Cashing card. You’ll also need a valid ID.[26]
  • Find a Stop & Shop

For more information, see our research about Stop & Shop’s check cashing policies.

Tops Friendly Market

  • Types of checks cashed: Payroll and government checks up to $500[27]
  • Fees: $1 per check[27]
  • Other important information: Check cashing is not available at all locations; you must show a government-issued photo ID to cash a check[27]
  • Find a Tops Friendly Market

See more in our dedicated article about Tops check cashing policies.

Vons

  • Types of checks cashed: Printed payroll and government checks; typically capped at $1,000[28]
  • Fees: $2.25 for every $100 cashed[28]
  • Other important information: A Vons store’s ability to cash checks will depend on how much cash the store has on-hand at the time.[28]
  • Find a Vons

See our dedicated article for more about Vons’ check cashing policies.

Walmart

  • Types of checks cashed: Payroll checks, government checks, tax checks, cashier’s checks, insurance settlement checks, 401(k) checks, retirement distribution checks, and MoneyGram money orders that were purchased at Walmart, all up to $5,000. Check cashing policies may vary at individual Walmart locations.[29]
  • Fees: For checks up to and including $1,000, the fee is $3. For checks over $1,000 and up to $5,000, the fee is $6.[29]
  • Other important information: To cash a check, you’ll need a valid form of ID. Just present your check for cashing at any checkout lane.[29]
  • Find a Walmart

See more in our dedicated research about Walmart’s check cashing policies.

Wegmans

  • Types of checks cashed: Personal and traveler’s checks up to $500; rebate checks up to $20[30]
  • Fees: Free for Shoppers Club cardholders[30]
  • Other important info: You must have a Shoppers Club Card with check cashing privileges. Approval takes up to five business days. You’ll need a government-issued photo ID to sign up for check cashing privileges. Personal check limits for Shoppers Club members are based on length of membership:[30]
    • New cardholders: Up to two checks every six days, totaling $200
    • Six weeks of membership: Up to four checks every six days, totaling $400
    • Six months of membership: Up to eight checks every six days, totaling $500
  • Find a Wegmans

Find out more in our dedicated article about Wegman’s check cashing policies.

WinCo Foods

  • Types of checks cashed: Payroll checks up to $1,000[31]
  • Fees: $5 token for checks up to $500, and $10 token for checks up to $1,000. These token fees can then be used toward the purchase of merchandise.[31]
  • Other important information: To cash a check, you’ll need a valid ID and employment verification.[31]
  • Find a Winco Foods

Winn-Dixie

  • Types of checks cashed: Electronically signed checks up to $500 (at most locations)[32]
  • Fees: $3.50[32]
  • Other important information: Photo identification is needed to cash a check at all locations — it’s best to check with your local Winn-Dixie for its individual check cashing policies before you visit.[32]
  • Find a Winn-Dixie

See our article about Winn-Dixie’s check cashing policies.

Grocery Stores That Don’t Cash Checks

In the course of our research and communications with various grocery stores, we found several that do not cash checks, including the following:

  • ALDI
  • BJ’s Wholesale Club
  • Harris Teeter (as previously reported)
  • Jewel-Osco
  • Sam’s Club
  • Target (as previously reported)
  • Trader Joe’s
  • Weis Markets (as previously reported)
  • Whole Foods
  1. Albertsons customer service (877) 276-9637[][]
  2. https://moneyservices.kroger.com/bakers/[][][]
  3. BI-LO customer service (844) 745-0463[][][]
  4. https://moneyservices.kroger.com/check-cashing/[][][][][][][][][][][][][][][][][][][][][][][][][][][]
  5. https://www.countrymartok.com/departments/Services/[]
  6. Country Mart customer service representative[][]
  7. Food City customer service (800) 826-8451[][][]
  8. https://www.foodlion.com/customer-service/policies-and-guarantees/[][][]
  9. https://www.fredmeyer.com/d/money-services[][][]
  10. https://account.gianteagle.com/Policies[][]
  11. Giant Food customer service (888) 469-4426[][]
  12. https://www.hannaford.com/search/product?keyword=check%20cashing[][][]
  13. https://www.heb.com/static-page/check-cashing[][][]
  14. https://www.hy-vee.com/stores/department-features/Default.aspx?s=25[][][]
  15. https://www.ingles-markets.com/advantagecardfaq#check[][]
  16. https://www.kingsoopers.com/d/money-services[][][]
  17. https://www.moneyservices.com/check-cashing/[][][]
  18. https://marketbasketfoods.com/departments/courtesy-services/[][][]
  19. Price Chopper customer service (800) 666-7667[][][]
  20. https://ww4.publix.com/faq/customer-service[][][]
  21. Safeway customer service (877) 258-2799[][][]
  22. Schnucks customer service (800) 264-4400[][][]
  23. Shaw’s customer service (877) 258-2799[][][]
  24. ShopRite customer service (800) 746-7748[][][]
  25. Stater Bros. customer service (855) 782-8377[][][]
  26. Stop & Shop customer service (800) 767-7772[][]
  27. Tops customer service (800) 522-2522[][][]
  28. Vons customer service (877) 723-3929[][][]
  29. https://www.walmart.com/cp/check-cashing/632047[][][]
  30. https://www.wegmans.com/service/faq/store-policies/[][][]
  31. https://www.wincofoods.com/customer-service/faqs/#%23payrollchecks[][][]
  32. Winn-Dixie customer service (866) 946-6349[][][]