28 Best Payroll Check Cashing Options

Your own bank is the most obvious (and possibly most convenient) place to cash a payroll check.

However, when going to your bank isn’t an option, there are plenty of other places that will cash your payroll checks.

Banks will usually cash checks for non-account holders if the check is drawn on the bank (i.e., whoever wrote it has their account at the bank).

Grocery stores commonly offer check cashing services for nominal fees. Additionally, there are check cashing and payday loan stores that cash almost all types of checks, but with higher fees.

We list these places below, including information about fees and acceptable check types, so you can find the check cashing location to fit your needs.

Comparison Table

You can use the following table for a brief explanation of the maximum check amounts, fees, and requirements for payroll check cashing at the places that cash them.

Select any business or scroll for more details.

Banks That Cash Payroll Checks

Keep in mind that to cash a payroll check at a bank, you’ll typically either need an account at that bank, or the check must be drawn on an account at that bank.

If you’re an account holder, you won’t be charged anything for cashing a check. If you’re a non-account holder, there may be a fee.

Bank of America

• Types of checks: Varies by location; you can call ahead to confirm^[1]
• Maximum check amount: Usually up to $500 for non-account holders^[1]
• Requirements: A government-issued, photo ID^[1]
• Fee: $6 for non-account holders^[1]
• Hours: Varies by location, but typically closed Sunday
• Locate a Bank of America

Capital One

• Types of checks: Any type of check, as long as you have an account at Capital One or the check is drawn from a Capital One account^[2]
• Maximum check amount: Varies by location
• Requirements: A government-issued, photo ID^[2]
• Fee: No fees for checks under $100; $7 for checks over $100^[2]
• Hours: Most branches are open 9 a.m. to 5 p.m. Monday through Thursday, 9 a.m. to 6 p.m. on Friday, 9 a.m. to 1 p.m. on Saturday, and closed on Sunday.
• Locate a Capital One

Chase Bank

• Types of checks: Any type of check, as long as the customer has an account at Chase or the check is drawn from a Chase account^[3]
• Maximum check amount: Usually $1,500; some branches will cash larger checks^[3]
• Requirements: A government-issued, photo ID, and a second ID if your check is for more than $1,500^[3]
• Fee: $8 per check for non-account holders^[3]
• Hours: Most branches are open 8:30 a.m. to 6:00 p.m., Monday through Friday, and from 9:00 a.m. to 2:00 p.m. on Saturdays
• Locate a Chase Bank

Find out more in our article about Chase Bank’s check cashing policies.

Citibank

• Types of checks: Any type of check, as long as the customer has an account at Citibank or the check is drawn from a Citibank account^[4]
• Maximum check amount: $500 for checks not drawn on Citibank, the bank retains the discretion to refuse these checks; $5,000 for checks drawn on Citibank^[4]
• Requirements: Two forms of ID^[4]
• Fee: Typically none; but can vary for non-Citibank checks^[5]
• Hours: Most stores are open 9 a.m. to 5 p.m. Monday through Thursday, 9 a.m. to 6 p.m. on Friday, 9 a.m. to 1 p.m. on Saturday, and closed on Sunday.
• Locate a Citibank

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

Fifth Third Bank

• Types of checks: Payroll, personal, government, tax, and cashier checks^[6]
• Maximum check amount: Usually up to $500 for non-account holders^[6]
• Requirements: A government-issued, photo ID^[6]
• Fee: 1% of the check amount with a $4 maximum. We got this info by contacting Fifth Third customer service and is not disclosed on the Fifth Third website.^[6]
• Hours: Many branches open 8 a.m. to 5 p.m. Monday through Friday, and closed Saturday and Sunday.
• Locate a Fifth Third

First National Bank

• Types of checks: Payroll, personal, government, tax, and cashier checks^[7]
• Maximum check amount: Varies by branch^[7]
• Requirements: A government-issued, photo ID^[7]
• Fee: None for account holders; $10 for non-customers^[7]
• Hours: Many branches are open 9 a.m. to 4 p.m. Monday through Thursday, 9 a.m. to 6 p.m. Friday, and closed Saturday and Sunday.
• Locate a First National

HSBC

• Types of checks: Payroll, personal, government, tax, and cashier checks^[8]
• Maximum check amount: Varies by branch
• Requirements: A government-issued, photo ID^[8]
• Fee: Free for account holders; $3 for checks up to $100; $5 for checks over $100^[8]
• Hours: Many branches are open 9 a.m. to 4 p.m. Monday through Friday, and closed Saturday and Sunday.
• Locate an HSBC

SunTrust Bank

• Types of checks: Personal, payroll, government, tax, cashier, and more^[9]
• Maximum check amount: Varies by branch
• Requirements: A government-issued, photo ID^[9]
• Fee: 1% to 3% of the value of the check, depending on the type of check^[9]
• Hours: Many branches are open 9 a.m. to 5 p.m. Monday through Thursday, 9 a.m. to 6 p.m. Friday, and closed Saturday and Sunday.
• Locate a SunTrust

TD Bank

• Types of checks: Payroll, personal, government, tax, and cashier checks^[10]
• Maximum check amount: Varies by branch^[10]
• Requirements: A government-issued, photo ID^[10]
• Fee: $7 per check for non-account holders^[10]
• Hours: Many branches are open 8 a.m. to 7 p.m. Monday through Friday, 9 a.m. to 3 p.m. Saturday, and 11 a.m. to 3 p.m. Sunday.
• Locate a TD Bank

U.S. Bank

• Types of checks: Any type of check, as long as the customer has an account at U.S. Bank or the check is drawn from a U.S. Bank account.^[11]
• Maximum check amount: Varies by branch
• Requirements: A government-issued, photo ID^[11]
• Fee: $7 per check for non-account holders^[11]
• Hours: Most stores are open 9 a.m. to 6 p.m. Monday through Friday, 9 a.m. to 12 p.m. on Saturday, and closed on Sunday.
• Locate a U.S. Bank

See more in our dedicated research on U.S. Bank’s check cashing policies.

Wells Fargo

• Types of checks: Any type of check, as long as you have an account at Wells Fargo or the check is drawn from a Wells Fargo account.^[12]
• Maximum check amount: $2,500^[12]
• Requirements: A government-issued, photo ID, you may be asked for a second ID as well^[12]
• Fee: $7.50 per check for non-account holders^[12]
• Hours: Most stores are open 9 a.m. to 5 p.m. Monday through Thursday, 9 a.m. to 6 p.m. on Friday, 9 a.m. to 1 p.m. on Saturday, and closed on Sunday.
• Locate a Wells Fargo

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

Grocery Stores That Cash Payroll Checks

Many grocery stores offer check cashing services, including payroll check cashing.

Grocery stores are a convenient place to cash payroll checks because you can cash your check at the same time that you’re doing your grocery shopping.

You’ll need a government-issued photo ID any time you cash a check, and at grocery stores, you’ll sometimes need additional forms of identification or the store’s rewards card.

Here are grocery stores where you can cash your payroll checks.

Alberstons

• Types of checks: Electronically signed checks (government, payroll, etc). No handwritten checks^[13]
• Maximum check amount: $1,000^[13]
• Requirements: A government-issued, photo ID^[13]
• Fee: Varies by location
• Hours: Most stores are open daily from 6 a.m. to 1 a.m.
• Locate an Albertsons

See more in our article about Albertsons check cashing policies.

Food City

• Types of checks: Payroll checks, U.S. government checks, and rebate checks on the store-approved list^[14]
• Maximum check amount: $1,000^[14]
• Requirements: A government-issued photo ID^[14]
• Fee: $3^[14]
• Hours: Usually 6 a.m. to 12 a.m., but can vary by location
• Locate a Food City

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

Food Lion

• Types of checks: Payroll checks, government checks, travelers checks. No handwritten checks.^[15]
• Maximum check amount: Payroll and government up to $1,000; traveler’s up to $500^[15]
• Requirements: A government-issued, photo ID and SSN or ITIN^[15]
• Fee: Varies by store
• Hours: Open 7 a.m. to 11 p.m. every day at most stores
• Locate a Food Lion

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

Hannaford

• Types of checks: Government, payroll and pension checks that are considered regular income^[16]
• Maximum check amount: Varies by store
• Requirements: A government-issued photo ID; sign up for check cashing privileges, applications can take about five days to be approved^[16]
• Fee: Varies by store
• Hours: Usually 6 a.m. or 7 a.m. to 10 p.m. or 11 p.m.
• Locate a Hannaford

Kroger

Note: Kroger owns King Soopers, Ralphs, Dillons, Fred Meyer, Fry’s Food, and more. We’ve confirmed that the same Kroger check cashing policy applies to all of these stores.

• Types of checks: Payroll checks, government checks, business checks, tax return checks, and insurance checks. No handwritten checks.^[17]
• Maximum check amount: $5,000^[17]
• Requirements: A government-issued, photo ID and SSN or ITIN^[17]
• Fee: $3 for checks up to $2,000 or $5.50 for checks from $2,001 to $5,000.^[17]
• Hours: Most stores open 6 a.m. to 12 a.m. every day
• Locate a Kroger (the search will also return other Kroger family stores)

Price Chopper

• Types of checks: Payroll checks^[18]
• Maximum check account: Ranges from $350 to $940, depending on your check cashing privileges^[18]
• Requirements: A government-issued photo ID and an AdvantEdge Card with activated check cashing privileges^[18]
• Fees: None^[18]
• Hours: Most Price Chopper stores are open Monday through Friday, from 8:30 a.m. to 7 p.m., and Saturday and Sunday, from 10 a.m. to 4 p.m.
• Locate a Price Chopper

See more in our dedicated article about Price Chopper’s check cashing policies.

Publix

• Types of checks: Payroll checks and personal checks^[19]
• Maximum check amount: Varies by store
• Requirements: A government-issued, photo ID and SSN or ITIN^[19]
• Fee: $3 to $6 per check^[19]
• Hours: Most stores open from 7 a.m. to 10 p.m. every day
• Locate a Publix

Find out more in our research on Publix’s check cashing policies.

Safeway

• Types of checks: Non-personal, printed checks (government, payroll, etc.)^[20]
• Maximum check amount: $1,499^[20]
• Requirements: A government-issued, photo ID^[20]
• Fee: $2.25 for every $200 cashed^[20]
• Hours: Check cashing services are at the customer service desk, which typically closes at 7 p.m.
• Locate a Stop and Shop

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

Shaw’s

• Types of checks: Payroll checks, government checks^[21]
• Maximum check amount: $1,500^[21]
• Requirements: A government-issued, photo ID^[21]
• Fee: Varies by store
• Hours: Most stores are open 6 a.m. to 11 p.m. Monday to Saturday, and 6 a.m. to 9 p.m. Sunday.
• Locate a Shaw’s

Find out more in our article on Shaw’s check cashing policies.

Stop & Shop

• Types of checks: Payroll checks, government checks^[22]
• Maximum check amount: Varies by store
• Requirements: A government-issued, photo ID and check cashing card^[22]
• Fee: Varies by store
• Hours: Some are open 24 hours
• Locate a Stop and Shop

See more in our dedicated article about Stop & Shop check cashing policies.

Tops Friendly Market

• Types of checks: Payroll checks, some government checks. No handwritten checks.^[23]
• Maximum check amount: Usually $500^[23]
• Requirement: A government-issued photo ID^[23]
• Fee: $1^[23]
• Hours: 6 a.m. to 10 p.m. or 12 a.m. typically; some are 24 hours
• Locate a Tops Friendly Market

Find out more in our research on Tops check cashing policies.

WinCo Foods

• Types of checks: Payroll checks; no handwritten checks^[24]
• Maximum check amount: $1,000^[24]
• Requirements: A government-issued, photo ID and SSN or ITIN^[24]
• Fee: A $5 token will be taken as a fee to cash checks up to $500; a $10 token fee will be incurred on checks up to $1,000. You can later redeem these tokens on WinCo purchases.^[24]
• Hours: Most stores open 24 hours every day
• Locate a WinCo

Winn-Dixie

• Types of checks: Some locations cash payroll checks. No handwritten checks.^[25]
• Maximum check amount: $500^[25]
• Requirements: A government-issued, photo ID^[25]
• Fee: $3.50^[25]
• Hours: Usually 6 a.m. to 11 p.m.
• Locate a Winn-Dixie

Find out more in our dedicated research on Winn-Dixie’s check cashing policies.

Department Stores That Cash Payroll Checks

A few department stores offer check cashing services; we list them below.

Walmart

• Types of checks: Government checks, tax checks, cashiers’ checks, insurance checks, and 401(k) checks. No handwritten checks.^[26]
• Maximum check amount: $5,000^[26]
• Requirements: A government-issued, photo ID^[26]
• Fee: $3 for checks up to $1,000 and $6 for checks over $1,000.^[26]
• Hours: Many locations open 24 hours every day
• Locate a Walmart

See more in our previous research on Walmart’s check cashing policies.

Check Cashing Stores That Cash Payroll Checks

Check cashing stores should be your last option — they almost always have the highest fees.

Also, they rarely publish a fee schedule, so you’ll often have to visit a local store to find out current rates.

ACE Cash Express

• Types of checks: Payroll, government, personal, tax refund, and insurance settlement checks^[27]
• Maximum check amount: None^[27]
• Requirements: A government-issued, photo ID^[27]
• Fee: Rates vary
• Hours: Most stores open 9 a.m. to 7 p.m. Monday through Thursday, 9 a.m. to 8 p.m. on Friday, 10 a.m. to 5 p.m. on Saturday, and closed Sunday.
• Locate an ACE Cash Express

Check Into Cash

• Types of checks: Payroll checks, government checks, tax refunds, and cashier’s checks^[28]
• Maximum check amount: Varies^[28]
• Requirements: A government-issued, photo ID^[28]
• Fee: Vary^[28]
• Hours: Most stores open 10 a.m. to 6 p.m. Monday through Friday, 10 a.m. to 3 p.m. on Saturday, and closed on Sunday.
• Locate a Check Into Cash

Speedy Cash

• Types of checks: Payroll, government, tax return, bonus, insurance, benefit, unemployment, student loan, settlement, bank draft, 401(k) and IRA, loan, and cashiers checks^[29]
• Maximum check amount: None^[29]
• Requirements: A government-issued, photo ID^[29]
• Fee: Rates vary^[29]
• Hours: Most stores open 8 a.m. to 8 p.m. Monday through Thursday, 8 a.m. to 9 p.m. Friday and Saturday, and 10 a.m. to 4 p.m. on Sunday.
• Locate a Speedy Cash

Places That Don’t Cash Checks

Payroll checks are among the least risky checks to cash, so almost any store that cashes checks will cash a payroll check.

But, just so there’s no confusion, here are some stores you still might be wondering about, that in fact offer no check cashing services:

• 7-Eleven (as previously reported)
• ALDI
• BJ’s Wholesale Club (as previously reported)
• Costco (as previously reported)
• CVS (as previously reported)
• Dollar General (as previously reported)
• Food 4 Less
• Gelson’s
• Heinen’s
• MoneyGram (as previously reported)
• JayC Foods
• Jewel-Osco
• Sam’s Club (as previously reported)
• Speedway
• Vons (as previously reported)
• Walgreens (as previously reported)
• Whole Foods

If you also need to cash a personal check see our list of 26 places that cash personal checks.

Need a check cashed at midnight? Here’s the list of places that do 24-hour check cashing.