H-E-B Check Cashing (Personal, Payroll, etc) and Money Orders FAQ

Short Answer: Like many grocery stores, the Texas-based chain H-E-B offers financial services at most locations, including check cashing. H-E-B cashes checks and money orders up to $9,500 with fees starting at $3. Check cashing is available at about 70% of H-E-B stores. Below, we answer more questions about cashing checks at H-E-B, including the hours and types of checks cashed, as well as the additional financial services available.

H-E-B Check Cashing Policies

Most, but not all H-E-B stores offer check cashing at their Business Centers. Of the stores we contacted in the course of our research, about 70% said they could cash checks.

Since not all H-E-B stores include a Business Center and not all Business Centers offer the same services, it’s best to call your local store to see whether it can cash your check before visiting.

H-E-B stores that cash checks accept the following types of checks:

  • Cashier’s checks
  • Dividend checks
  • Government checks
  • H-E-B Federal Credit Union retirement checks
  • Insurance settlement checks up to $1,000
  • Payroll checks (electronic or handwritten)
  • Personal checks drawn on local banks
  • Tax refunds
  • Western Union Money Orders originally purchased at H-E-B

To cash a check, you’ll need a government-issued photo ID, such as a driver’s license. You can receive the funds either in cash or on the H-E-B Visa Plus Prepaid Card.

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H-E-B Check Cashing Limits and Fees

The check cashing limit at H-E-B is $9,500. Fees start at $3, but checks over $3,000 will incur higher fees, customer service representatives explained. Fees vary based on the size of the check but may be up to 2% of the check amount.

H-E-B’s check validation system may also limit the number of checks you can cash per day to two or three, customer service representatives said.

Personal checks have a few additional restrictions. Handwritten personal checks cannot be greater than $200. You will also need to wait 48 hours to cash another check after cashing a handwritten personal check at H-E-B.

H-E-B Business Center Hours

Most H-E-B Business Centers are open from 8 a.m. to 8 p.m. However, hours can vary by location, with some Business Centers open from 8 a.m. until 6 p.m.

Even if your nearest H-E-B is open 24 hours, the Business Center won’t be. You can call H-E-B customer service at (800) 432-3113 to find out the hours of your local H-E-B Business Center.

H-E-B Money Order Services

According to H-E-B’s policy and as confirmed by customer service, H-E-B uses Western Union for its money order services. There is a cost of $0.69 per money order, and you should bring a photo ID — similar to cashing a check — when requesting a money order. You can pay for your money order with cash or a debit card. H-E-B will also cash Western Union money orders purchased at H-E-B, as noted above.

Other Financial Services Offered at H-E-B

The H-E-B Business Center offers a range of services, including bill pay, money transfers, and lottery tickets for purchase. For a full description of everything you can do at H-E-B Business Centers, see our article detailing the H-E-B Business Center hours, services, and other features.

In Summary

For a fee of $3, you can cash almost any check of up to $3,000 at H-E-B. For an extra fee of up to 2% of the check amount, you can cash up to $9,500 in checks. At the H-E-B Business Center, you can also carry out other financial services like transferring money or paying your bills. You may want to call ahead to your local H-E-B to make sure it has the particular financial or convenience service that you need, since not all stores offer all of the same business services.

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  • jennifer says:

    To purchase a money order or cashier’s check, do I need to have cash? Or can I use a credit or debit card?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Jennifer! While H-E-B cashes cashier’s checks, it does not issue them. For H-E-B’s Western Union money orders, you can pay with cash or a debit card. We have updated our article to include this information.

  • Eva M Granados says:

    I purchased a H-E-B money order for $168.00 in 2016 but I ended up having a severe stroke. I barely got most of my functions back recently & found my money order. I didn’t fill out so it’s plain nothing on it. Can H-E-B still cash it?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Eva! Rather than cash the money order, since it is several years old, you should request a refund from Western Union. Our article on money order expiration has the details of how to check the status of your money order and request a refund. Best of luck!

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Chris,

      Even though it’s in US currency, HEB won’t cash a personal check drawn on Canadian banks. In fact, most stores will limit personal check cashing to local banks.

  • I have never been to an HEB that cashes personal checks nor does it state so on there website. So why does this article state that it does when they all say they do not cash personal checks whenever I inquire?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Brad,

      According to their website: “Stop by your H.E.B. Business Center to cash a check or withdraw cash from your debit card! For a fee starting at $3 you can cash your government, payroll, dividend, insurance and Western Union Money Orders that are purchased at H.E.B.” Make sure you ask to cash your checks at the business center — if you ask at the register the cashier might not know about H.E.B.’s check cashing policy, and might give you misinformation.

  • What is the associated fee for a cashier check cut at HEB? Furthermore, what is dollar amount limit for one request?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Hannah,

      Just to clarify, are you wanting to have a cashier’s check printed at H-E-B? Unfortunately, this service is not available at H-E-B. Only financial institutions like banks or credit unions will cut a cashier’s check. HEB also does not cash cashier’s checks. If you’re looking for somewhere to cash a cashier’s check, the best place will be either your own bank or the bank that issued the check. You can read more in our article about where to cash a cashier’s check. I hope this helps!

  • oscar nunez says:

    how can i get history of checks cashed under my name or who can i contact i need it for proof of income because am in processing of buying a house

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Oscar,

      It may be worth contacting your local HEB store to find out if that store is able to provide a history of checks cashed under your name, although it’s hard to say if the store will be able to do so. (You can use the HEB store finder to get the contact information for the store where you usually shop.) While it can’t hurt to ask, there may be easier ways of proving income. If you have stubs from your paychecks, if you have a W-2 or some other tax documentation from your job, or if you can contact your employer directly to provide documentation of income, these will likely all be easier ways to provide proof of income rather than getting a record of checks cashed under your name. I hope this helps!

  • If I have original money order can they do refund or reissue because money order was scribbled on or do I still have to pay and wait 6-8 weeks by sending it to western union?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Trisha,

      Unfortunately, the only way to have a money order reissued or to get a refund from Western Union is to go through the full inquiry process and pay the associated fee. If you have the original receipt, that should speed up the process and hopefully you’ll have a response in about 6 weeks. Sorry I couldn’t bring you better news!

  • Wayne Slater says:

    My father lives in assisted living in Round Rock, Tx. The home has a weekly bus for residents to the nearby HEB store. Although HEB says it cashes personal checks, the store will not accept his checks from Woodforest Bank. The account is good and neither the bank nor the HEB Business Services center can explain why the checks are rejected. My father is 91 and this weekly trip to HEB is his best opportunity to periodically cash a small personal check.

    Can anyone help?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Wayne,

      It’s possible that the problem isn’t with either HEB or Woodforest Bank, but the check cashing service that HEB uses to verify checks. HEB may use one of two companies for check verification: either Telecheck or Certegy. Unfortunately, both companies have numerous complaints against them from consumers whose checks have been declined without being given a reason as to why. If the HEB associate can tell your father whether Telecheck or Certegy is flagging his checks for some reason, he may be able to contact that company directly for details — but many people who have had checks denied with either company are not able to get any further information, even when they call the provided customer support phone number. If the Round Rock HEB uses neither Certegy or Telecheck, it’s possible his checks are being flagged through some other system, but to me this seems to be the most likely cause. If this is the case, there may not be much that your father can do except to visit his bank directly to cash his checks. I’m sorry I couldn’t bring you a more definite solution!

  • If my drivers license is expired may I use a paper identification?. I’m awaiting for the hard copy in the mail.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Bee,

      If you have another government-issued form of ID, like a birth certificate, social security card, or passport, that will probably be the best bet. Check cashing policies can vary from one location to the next, so if you’re unsure, it’s not a bad idea to call up your local HEB and ask what forms of ID are acceptable — that way you can be sure to bring what you need. You can get the phone number for the nearest H-E-B through the HEB store locator. I hope this helps!

  • Is there like a certain time that the HEB business services close? I know the store itself doesn’t close until 1:00AM…. but can you still cash a check after like 4?

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi Crystal,

      What an excellent question. Most HEB Business Centers (where checks are cashed) are open from 8 AM – 8 PM. However, some locations have slightly more limited hours. You can call 1 (800) 432-3113 and they can lookup a location near you that has the best hours for you. This resource is available from 8 AM – 6 PM. Of course, calling the HEB stores near you directly also works.

      The article has been updated to reflect this information.