Publix Money Order & Check Cashing Policies: Fees, Limits, etc Detailed

At Publix, a regional grocery store in the southeastern U.S., you can also buy money orders and cash checks. If you need either of these services, you can combine a trip to get groceries and these financial errands. Money orders at Publix are backed by Western Union. You can cash personal and payroll checks for a small fee, up to the applicable limits. Read on for the details.

Publix Money Order Policy

Does Publix Sell Money Orders?

If you’re looking to buy a money order, you can save yourself a trip to the bank and just buy one on your next trip to Publix. Purchasing a money order at Publix is simple. Just go to the customer service desk and tell the cashier you want to purchase a money order. Once you pay for the money order, you can use it to make payments in the same way you would a check.

To help you further, we’ve come up with an easy-to-use list that tells you what you need to know about the cost, limits, and payment method for your Publix money order.

  • Type of money order: Western Union
  • Fee: $0.85 to $0.89
  • Limit: $500; If you need a money order for more than $500, you’ll have to buy more than one.
  • Payment method: Cash, debit, or prepaid card. You cannot use checks, gift cards, or credit cards to buy money orders.
  • Tracking: You can check the status of your money order and find out whether the recipient has cashed it by calling Western Union at (800) 999-9660 and entering the 11-digit money order number.
  • Return policy: You can’t return your money order to Publix, customer service representatives at several stores told us. However, since Publix money orders are issued through Western Union, you can request a refund from Western Union. There is a $15 processing fee for Western Union refunds. Details of how to request a return with or without your original money order/receipt are listed in our article on how to refund a money order.
  • Location: Available at all Publix stores, except GreenWise Markets, which are typically open 7 a.m. to 10 p.m., seven days per week.

Does Publix Cash Money Orders?

Publix can’t cash a money order. If you need to cash a money order, our article Where Can I Cash a Western Union Money Order can help you find a place that will cash your money order.

Publix Check Cashing Policy

Publix cashes only personal checks and payroll checks. However, you can’t cash tax return checks, tax refund checks, rebate checks, or deposit checks from utilities. Publix processes checks electronically. This means that Publix uses a third-party electronic check verification company called Certegy. For more information about how Certegy and a list of places that don’t use it, see our article: Check Cashing Places That Don’t Use Certegy (+ Grocery Stores, etc)

  • Requirements: Driver’s license, military ID, or a state-issued identification card. In addition, some customers have reported that certain Publix locations will not cash a payroll check unless the employer’s phone number is printed on the check
  • Fee: $3 to $6, depending on type of check and amount
  • Limits: One personal check of up to $75 per day; one payroll check of up to $500 per week
  • Hours: Typically 7 a.m. – 10 p.m., 7 days a week.

In Summary

Publix doesn’t cash money orders but it does sell them for less than $1 at all locations except their GreenWise Market stores. Publix also cashes personal checks under $75 or payroll checks under $500 in all of its grocery stores. Open later than banks and on the weekends, Publix makes it easy and convenient to take care of some of your banking needs while you do your grocery shopping.

If Publix doesn’t have what you need, there are lots of other options if you need another store that sells money orders and cashes checks. See our article, Where Can I Get a Money Order?, for a complete list of places to buy one, including grocery stores, banks and credit unions, check-cashing stores, and more. See our article Grocery Stores That Cash Checks: Personal, Payroll, Insurance, etc, for our complete list of grocery stores that cash checks.


  • melvin eugene dennis says:

    I bought a money order at a Publix store. How can I track if it’s been cashed?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Great question, Melvin! You can call Western Union at (800) 999-9660 to find out whether the money order has been cashed. When you call, select the option to check the status of a money order and then enter the 11-digit money order number. We have updated our article to include this information.

  • A money order from Publix was returned to me by my realtor so now I no longer need it. Can I bring the returned money order and my receipt back to Publix and get a refund?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Shelby,

      If you have a money order you no longer need, turn the money order over and complete the Money Order Tracing/Refund request on the back of the money order. Send the money order and a $15 nonrefundable processing fee to the address on the form. It takes about 30 days to receive your refund.

  • I was just curious, ive been to my local Publix three times to cash my payroll check for less than $500. Out of the 3 times, twice ive been told they got hit really hard that day and couldn’t cash my check. Just wondering how Publix doesnt have under $500 in there store?

    • Sarah Quinn says:
      First Quarter Finance logostaff


      That does seem odd, but as with many locations that cash checks, individual store policies and procedures tend to vary by location. I’m sorry they haven’t been able to cash your check on two out of three occasions. You might try one of the other check cashing locations that we’ve listed in our article. I hope you have better luck (and the store isn’t so low on funds) next time!

  • Visiting Florida from Caribbean, and need to send money out of state about $5000.00 by money order, what documents do I need to buy, could I use my passport or I’d card?

  • greg sullivan says:

    May I use an American Express gift card to purchase a money order at Publix?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Greg,

      Generally speaking, it will be tough to purchase a money order with a gift card. Many stores have a policy against accepting gift cards with no name on them for money order purchases. These policies are usually in place to reduce the risk of fraud (debit, credit, or prepaid cards can be verified by checking the customer’s ID against the name on the card; gift cards can’t).

      To confirm whether this was the case with Publix, I reached out to a customer support representative and was informed that Publix only accepts debit cards or cash for the purchase of money orders. I hope this helps!

  • Kenneth Nehring says:

    Hi my name is Kenneth , and I just moved down from Michigan to Florida, and my wife and son are up north and I don’t have a bank here until they move down. Well I went to cash my payroll check from rooms to go and was told your policy is that the check must have the employers phone number on the check is this true?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Kenneth,

      This is an excellent question! It seems that Publix doesn’t post a specific policy online about what must be included on a payroll check in order for it to be cashed. I’ve reached out to Publix customer support to find out more details about your question. I will update this comment as soon as I get a response from a support representative, and I will update the article accordingly as well. In the meantime, it may be helpful for you to take a look at our article about where to cash a payroll check near you for some other places that may be able to assist you.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Kenneth,

      I wanted to let you know that I did hear back from a Publix representative, who informed me that it’s up to individual Publix stores to set requirements about check cashing policies — so this may not be the rule at all Publix locations, but it could be a requirement at your nearest store. I’ve made a note in the article to let other readers know about your experience. I hope you were able to find somewhere to cash your payroll check in the article I mentioned in my previous comment. Thank you for bringing this issue to our attention!