Kmart Check Cashing Policy Explained

Short Answer: You can cash payroll checks, tax refund checks, and government checks up to $2,000 at Kmart. And, you can cash personal checks and two-party checks up to $500. Keep in mind, some Kmart stores may have lower limits and additional rules. For general details of the Kmart check cashing policy, see below.

Kmart Check Cashing Policy

Kmart stores will cash payroll checks, tax refund checks, and government checks up to $2,000 and personal and two-party checks up to $500, a corporate customer service representative said. We contacted Kmart stores in Arizona, Colorado, Delaware, Idaho, Florida, Michigan, Pennsylvania, and Washington to confirm this information; several stores reported various limits and requirements and one store said it only cashes payroll checks. You may want to contact your local Kmart to find out about its check cashing policy before visiting, but we’ve outlined some general check cashing information here:

Check Cashing Fees

Kmart check cashing fees vary by location, but you can expect to pay $5 or less. Kmart stores in Connecticut, Delaware, Georgia, Nevada, New Jersey, Pennsylvania, South Carolina, Washington, Guam, and Puerto Rico cash checks for free. Stores in Illinois and Rhode Island charge $0.50 and several other stores we contacted charge $1. For specific fee information, contact your local Kmart.

Accepted Forms of ID

The following forms of identification are accepted at Kmart when cashing a check:

  • Driver’s license
  • State ID
  • U.S. military ID
  • U.S. passport
  • Matricula Consular ID (Consular Identification Card)
  • Tribal ID
  • Green Card

Other Requirements

Several store associates told us that you need to be a Kmart rewards member to cash a check. It’s free to sign up for Kmart Shop Your Way rewards; you can sign up online or in-store.

Check Verification

Kmart store associates said the big-box store uses the check-verification company Certegy. See our article for the list of stores that use Certegy.

Check Cashing Hours

We were told that you can cash a check at Kmart any time during business hours. Hours vary by location, but most Kmart stores are open from 9 a.m. to 10 p.m. every day. To confirm this information, we contacted several stores during evening hours. On more than one occasion, we were told that the store was unable to cash any more checks that day; store associates advised visiting before 5 p.m. to cash a check.

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