Smith's Check Cashing Hours, Types of Checks Cashed, Fees, and More

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Short Answer

While most Smith’s locations are open from 6 a.m. to midnight, you can only cash checks at the customer service desk from 8 a.m. to 8 p.m. You can cash payroll checks, government checks, income tax refund checks, insurance settlement checks, and business checks up to $5,000. The fee is between $3 to $5.50 for Shopper’s Card holders, or $3.50 and $6 without a Shopper’s Card.

Types of Checks Cashed

Smith’s Food & Drug is part of the Kroger family of stores, which includes Ralphs, Fry’s Food, King Soopers, Quality Food Centers (QFC), Fred Meyer, City Market, Dillons, Baker’s, Owen’s, Pay Less Supermarkets, and Gerbes. Check cashing policies are the same among all stores within the Kroger family of stores that offer Money Services.

Smith’s cashes payroll checks, government checks, income tax refund checks, insurance settlement checks, and business checks. They do not accept personal checks, starter checks, or third-party checks.

For more options, see our research on places that cash personal checks, starter checks, and third-party checks.

Fees and Limits

You can cash a check up to $5,000 at Smith’s, in most cases. Your local Smith’s may lower this limit if the store does not have adequate funds on hand.

Check cashing fees are as follows:

Shopper’s Cardholders: $3 for checks up to $2,000; $5.50 for checks over $2,000 and up to $5,000
Non-Shopper’s Cardholders: $3.50 for checks up to $2,000; $6 for checks over $2,000 and up to $5,000 (verified by customer service)

Fees and limits may vary from state to state. For exact amounts in your area, contact your local Smith’s Food & Drug.

See alternative options that offer free check cashing.

Hours

Most Smith’s locations are open from 6 AM to midnight (12 AM), seven days of the week. However, you can only cash checks when the customer service desk is open, which is 8 a.m. to 8 p.m. So the Smith’s check cashing hours are from 8 a.m. to 8 p.m.

Find other places that cash checks 24/7.

Where Do You Go in Smith’s to Have Checks Cashed?

You must go to the customer service desk. Cashiers cannot cash checks.

ID Requirements

In order to cash a check at your local Smith’s Food & Drug, you’ll need to provide your social security number (SSN) or Taxpayer Identification Number (TIN) and show a valid photo identification. The following types of photo ID are accepted: