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 which is only open 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. You cannot cash personal checks, starter checks, or third-party checks. In order to cash your check, you must provide your social security number or tax identification number and show a valid photo ID. You can cash checks up to $5,000. The fee is between $3 to $5.50 for Shopper’s Card holders. Non-card holders are charged between $3.50 and $6. Some locations may charge slightly different amounts. For more answers on the Smith’s check cashing policy, plus articles about where you can cash checks 24/7, where you can cash other types of checks, and where you can cash checks for free, see below.
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.
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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.
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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.
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Where Do You Go in Smith’s to Have Checks Cashed?
You must go to the customer service desk. Cashiers cannot cash checks.
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:
- Driver’s license
- State‐issued ID
- Military ID
- Resident alien ID
- Matricula consular ID
- US-issued passport
- Tribal nation ID or reservation ID
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Smith’s Food & Drug Stores offer check cashing services for customers with fees of only $3 to $6 and up to a relatively high limit of $5,000. If you hold a Shopper’s Card, you can enjoy a discount on fees with check cashing and other shopping benefits. Cash your check and get your shopping done in one stop at Smith’s or any other store in the Kroger family of stores. If Smith’s isn’t able to cash your check, see our article, These Are the Many Grocery Stores That Cash Checks for more options.