Kmart Check Cashing Policy Explained (Check Types, Fees, Hours, etc)

Kmart storefront

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 also contacted Kmart stores in Florida and New York to confirm this information; 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 New Jersey cash checks for free. 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 store uses the check-verification company Certegy. See our article for the list of stores that don’t use Certegy.

Check Cashing Hours

Kmart’s check cashing hours vary by location. We contacted several stores during evening hours to ask about check cashing.

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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