“Where can I cash personal checks?” It’s a question many of us have had at least at one point. The good news is that there are many convenient places that cash personal checks. Places include banks (even if you’re not a customer), grocery stores, and more. We’ve included the best places to consider and all the answer to the questions you’ll wonder about. Enjoy!

In This Article

Table of Places to Cash a Personal Check

Follow the link provided in the table for further details.

Places That Cash Personal Checks

Note: For all of the places listed below, you must bring a valid, government-issued photo ID.

Banks That Cash Checks for Non-Customers

While you can cash any check at a bank where you have an account, your options are limited for places you don’t have an account. If you’re not a bank customer, you can only cash a check at the bank that issued the check. For example, if someone hands you a check that’s drawn on Bank of America, you can take the check to any Bank of America branch to cash it, even if you don’t have an account there. All you need to do is:

  • Explain that you’re cashing a check issued by the bank. The bank will be able to verify the account it came from, because the institution has access to the account and can establish that the check will not bounce.
  • Show identification (sometimes two forms) and the cash is yours.

But there is the catch — fees. As with most places that cash personal checks, banks may have fees for non-customers

1. Bank of America

2. Bank of the West

3. BB&T

4. BMO Harris Bank

5. Capital One

6. Chartway Federal Credit Union

7. Chase Bank

8. Citi Bank

9. Citizens Bank

10. Connexus Credit Union

11. Fifth Third Bank

12. HSBC

  • Non-customer fee: None
  • Source: Customer service live chat: “There is no fee associated with cashing of the check.”
  • Find your nearest HSBC

13. Key Bank

14. M&T Bank

15. PNC Bank

16. SunTrust

17. TD Bank

18. US Bank

19. Wells Fargo

Check Cashing Stores

Check cashing stores are convenient and will typically cash most types of checks, including personal checks. However, check cashing stores often charge a large flat fee and percentage of the check amount to cover the risk associated with cashing a personal check. If you decide to take your check a check cashing place, call first to determine the exact fees you should expect to pay.

20. ACE Cash Express

21. Check Into Cash

22. Check Smart (AZ, IN, KA, KE, MI, MO, OH, UT, VA)

  • Cashes personal checks? Yes
  • Other types of checks cashed: Out-of-state checks, payroll checks, student loan checks, cashier’s checks, and more.
  • Fees: Unspecified
  • Open on Sunday? Yes. Most locations are open on Sunday.
  • Source: Check Smart Services
  • Find your nearest Check Smart

23. Friendly Check Cashing (North Carolina)

  • Cashes personal checks? Yes
  • Other types of checks cashed: Payroll checks, cashier’s checks, money orders, tax refunds, checks made payable to a company, government checks, and more.
  • Fees: 10% of the check amount
  • Open on Sunday? No. Typical hours are 8 AM – 7 PM Monday – Wednesday, 8 AM – 8 PM Thursday and Friday, and 8 AM – 5 PM Saturday.
  • Source: Friendly Check Cashing information page
  • Find your nearest Friendly Check Cashing

24. Money Mart

25. PLS Check Cashing

26. The Check Cashing Store (Florida)

27. USA Check Cashing Store (California)

  • Cashes personal checks? The website does not specifically list personal checks as a type it will cash. However, the site does state “Our team is specially trained and committed to cashing all checks, no matter how big or how small the check amount is” so call your location first.
  • Other types of checks cashed: Payroll, taxes, insurance, settlements, government checks, cashier’s checks, bonus checks, and more.
  • Fees: Unspecified
  • Open on Sunday? No. Most stores aren’t open on Sunday.
  • Anything else to know? You can register online to cash checks before you go to a USA Check Cashing Store.
  • Source: USA Check Cashing Store check cashing policy
  • Find your nearest USA Check Cashing Store

Grocery, Convenience, and Retail Stores

There aren’t many grocery, convenience, or retail stores that will cash personal checks because these locations have no way to confirm that funds are available to cover the amount of the check. However, the following stores that do cash personal checks.

28. Albertsons

  • Cashes personal checks? Yes, up to $250.
  • Other types of checks cashed: Payroll checks and government checks. Individual stores may set their own limits.
  • Fees: Varies by location.
  • Open on Sunday? Yes. Typical store hours are 8 AM – 8 PM Monday – Friday, 8 AM – 6 PM Saturday, and 10 AM – 4 PM Sunday.
  • Source: Customer service
  • Find your nearest Albertsons
  • Learn more in our article: Albertsons Check Cashing and Money Order Policies

29. Giant Eagle

  • Cashes personal checks? Yes, up to $30. You must either apply for or have a Giant Eagle Advantage Card to be able to cash checks. This card is free and you can get it at the customer service desk upon providing a government-issued photo ID.
    • Note: You must sign or endorsed the check in the presence of an authorized Giant Eagle employee in order to cash it in-store.
  • Other types of checks cashed: Payroll, government, and traveler’s checks up to $100.
  • Fees: Vary by store and check type and amount.
  • Open on Sunday? Yes. Typical open 6 AM – 10 PM or later every day of the week.
  • Source: Giant Eagle policies
  • Find your nearest Giant Eagle
  • Learn more in our article: Giant Eagle Check Cashing Policy: Everything You Need to Know

30. Kmart

  • Cashes personal checks? Yes, up to $500
  • Other types of checks cashed: Government checks up to $2,000 and payroll checks up to $2,000
  • Fees: Free in CT, DE, GA, NJ, NV, PA, PR, PC, WA, and GU; 50 cents in RI and IL; and $1 everywhere else
  • Open on Sunday? Yes, though hours vary
  • Source: Kmart’s check cashing page
  • Find your nearest Kmart

31. Publix

  • Cashes personal checks? Yes, for up to $75 once a day
  • Other types of checks cashed: Payroll checks
  • Fees: $3-$6 depending on check type and amount
  • Open on Sunday? Most stores open on Sunday
  • Find your nearest Publix
  • Learn more in our article: Publix Money Order and Publix Check Cashing Policies (In Plain English)

32. Safeway

  • Cashes personal checks? Yes, up to $250.
  • Other types of checks cashed: Payroll checks and government checks. Individual stores may set their own limits.
  • Fees: No fees are provided in Safeway’s official policy, but an individual store could set its own fees.
  • Open on Sunday? Yes. Typical hours are 9 AM – 9 PM Monday – Friday; 9 AM – 6 PM Saturday, and 10 AM – 6 PM Sunday.
  • Source: Safeway’s money services information page
  • Find your nearest Safeway

Places That Do Not Cash Personal Checks But Cash Other Types of Checks

The following places do not cash personal checks but do cash other types of checks.

1. Country Mart

  • Cashes personal checks? No
  • Other types of checks cashed: Payroll checks. No maximum check amount specified.
  • Fees: 2% of the total of the check amount, 1% of which is automatically given back to you as store credit.
  • Open on Sundays? Yes, but hours vary by store.
  • Source: Country Mart money services
  • Find your nearest Country Mart

2. Dillons

  • Cashes personal checks? No
  • Other types of checks cashed: Government checks, payroll checks, tax refund checks, insurance settlement checks, and printed business checks — up to $5,000
  • Fees: $3.50 for checks $2,000 and under and $6 for checks $2,000.01 – $5,000.
  • Open on Sunday? Yes. Typical hours are 6 AM – 12 AM
  • Source: Customer service and The Kroger Co. Money Services – Check Cashing page (Dillons is part of the Kroger family of stores)
  • Find your nearest Dillons

3. Food Lion

4. Fred Meyer

5. Fry’s Foods

6. Hannaford

  • Cashes personal checks?  No
  • Other types of checks cashed: Government, payroll, and pension checks that are considered regular income. These include social security and government weekly or biweekly payroll checks. Hannaford will not cash “one-time” checks, such as insurance claims, tax refunds, money orders, cashier’s checks, or two-party checks or handwritten payroll checks, starter and counter checks, or post-dated checks.
    • Note: You must complete an application with proper identification at a Hannaford store to be able to cash checks. It takes up to 5 business days for the application to be approved.
  • Fees: Vary by store and check amount
  • Open on Sunday? Yes. Most stores are open from 7 AM – 9 PM or later on Sundays.
  • Source: Hannaford check cashing
  • Find your nearest Hannaford

7. King Soopers

8. Kroger

  • Cashes personal checks? No
  • Other types of checks cashed: Payroll checks, government checks (such as social security, welfare, and disability), tax refund checks, insurance settlement checks, and printed business checks (such as rebate checks or refund checks) — up to $5,000
  • Fees: $3.50 for checks $2,000 and under; $6 for checks $2,000.01 – $5,000.
    •  If you have a Kroger Plus Card, it costs $3 for checks $2,000 and under and $5.50 for checks $2,000.01 – $5,000. Sign up for a Kroger Plus Card online or at a checkout clerk or customer service desk in store.
  • Open on Sunday? Yes. Stores open 6 AM – 10 PM or later every day.
  • Source: The Kroger Co. Money Services – Check Cashing page
  • Find your nearest Kroger

9. Market Basket

  • Cashes personal checks?  No
  • Other types of checks cashed: Payroll checks. No maximum check amount specified.
  • Fees: No check cashing fee information is listed on Market Basket’s website. Call your location to inquire.
  • Open on Sunday? Most, but not all, stores open on Sunday.
  • Source: Market Basket courtesy services
  • Find your nearest Market Basket

10. Meijer

  • Cashes personal checks? No, but you can get up to $25 cash back when you pay for your purchase with a personal check.
  • Other types of checks cashed: Payroll checks up to $1,000 and government checks up to $1,999.99. Both check types must not be dated more than 30 days prior.
  • Fees: Nominal fee which varies by store.
  • Open on Sunday? Yes. Most stores are open 24/7.
  • Source: Meijer’s Customer Case
  • Find the nearest Meijer

11. Ralph’s

  • Cashes personal checks? No
  • Other types of checks cashed: Payroll checks, government checks (such as social security, welfare, and disability), tax refund checks, insurance settlement checks, and printed business checks (such as rebate checks or refund checks) — up to $5,000
  • Fees: $3.50 for checks $2,000 and under and $6 for checks $2,000.01 – $5,000.
    • If you have a Rewards Card: $3 for checks under $2,000 and $5.50 for checks $2,000.01 – $5,000.
  • Open on Sunday? Yes. Most stores are open 6 AM – 11 PM or later every day.
  • Source: The Kroger Co. Money Services – Check Cashing page (Ralph’s is part of the Kroger family of stores
  • Find your nearest Ralph’s

12. Shaw’s

13. Walmart

  • Cashes personal checks? No
  • Other types of checks cashed: Payroll checks, government checks, tax checks, cashier’s checks, insurance settlement checks, 401(k) checks, retirement distribution checks and MoneyGram money orders that were purchased at Walmart. Walmart never cashes handwritten checks of any kind.
  • Fees: $3 for checks up to and including $1,000; $6 for checks $1,000 – $5,000
  • Open on Sunday? Yes. Most stores open Sunday, and many are open 24/7.
  • Source: Walmart in-store check cashing information
  • Find your nearest Walmart
  • Learn more in our article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More

14. Wegmans

  • Cashes personal checks? No
  • Other types of checks cashed: Traveler’s checks up to a combined total of $500 and rebate checks up to $20.
  • Fees: Not specified — check with your local store.
  • Open on Sunday? Yes. Most stores are open 24/7.
  • Source: Wegmans Store Policies
  • Find your nearest Wegmans

15. WinCo

  • Cashes personal checks? No
  • Other types of checks cashed: Payroll checks
    • Note: WinCo will need to verify your employment via telephone before cashing the check.
  • Fees: $5 token fee for checks up to $500, $10 token fee for checks above $500. These token fee amounts can then be used toward for in-store purchase.
  • Open on Sunday? Yes. Most stores are open 24/7.
  • Source: WinCo’s FAQs
  • Find the nearest WinCo

Places That Do Not Cash Checks of Any Kind

So you’re not left wondering, “But does that store cash checks?” we’ve included the stores that do not cash checks of any kind:

  • 7-Eleven
  • Acme Markets
  • Aldi
  • BJ’s Wholesale Club
  • Copps
  • Costco
  • CVS
  • Dollar General
  • D&W Fresh Market
  • Food 4 Less
  • Gelson’s
  • Heinen’s
  • JayC Foods
  • Sam’s Club
  • Speedway
  • Target
  • Tom Thumb
  • Walgreens
  • Whole Foods
  • Vons
  • Winn-Dixie

One Final Option: Endorse It to Someone Else

Don’t like the options we’ve given you? Don’t worry — here’s one more you can do right from home. If you have a friend or family member with a bank account, you can sign a check over to them. Then they can cash it and give you the money.

On the back of the check, write: Pay to the order of: [the persons name] then [your signature] below it. That’s all there is to it. Hopefully your friend or family member won’t charge you a fee!

If you’d like even more information on this topic, learn more in our other articles:

In Summary

Not having a bank account doesn’t have to make daily life a challenge. As you’ve seen, places that cash personal checks are everywhere, from grocery stores, to check cashing stores, to banks where you don’t have an account. Just be aware of the fees. By using this guide you’ll never again need to wonder where to cash personal checks.