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.
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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