Tops Check Cashing FAQ: Hours, Fees, Limits, Check Types, & More

Short Answer: Tops Friendly Markets will cash payroll and government checks at most of its store locations. The limit is $500 per check, and there is a fee of $1 per check. To cash a check, you’ll need a government-issued photo ID. For more about cashing a check at Tops, as well as the company’s other money services, see below.

Tops Check Cashing Policies

We called Tops Friendly Markets locations in New York, Pennsylvania, Maine, and Vermont to verify the grocery retailer’s check cashing policies. Tops cashes checks at most of its locations, but a select number of Tops stores do not offer any money services (you can call your local store to be sure). However, it is important to note that Tops limits check cashing services to payroll and government checks.

Currently, you can cash payroll checks and some government checks up to $500 at Tops. The check cashing fee for both payroll and government checks at Tops is $1 per check.[1]

If Tops doesn’t meet your check cashing needs, or you just want to know about check cashing policies at other grocery stores, we also have the list of grocery stores that cash other types of checks.

How to Cash a Check at Tops

To cash a check at Tops, head to the customer service desk, where you’ll present your check and a valid, government-issued photo ID.[1] Tops’ check cashing hours are regular store hours — most Tops stores are open from 6 a.m. until midnight, but a few locations close at 10 p.m. Select stores are open 24 hours.

Tops doesn’t cash personal checks, handwritten checks, two-party checks, tax refund checks, insurance checks, traveler’s checks, or other types of checks outside of payroll checks and some government checks.[1] However, you can use a personal check at Tops to make a purchase and get up to $40 cash back over the amount of the check at the register. To pay with a personal check, you’ll need to present your valid, government-issued photo ID.[1]


Tops uses Certegy, a third-party check verification company that assesses the validity of your check.[1][2] If Certegy denies your check, you can use Certegy’s online declined check lookup or call the company at (800) 237-3826 to find out why your check was declined.

Other Money Services at Tops

Tops Friendly Markets also offers a few other money services, including money orders, money transfers, and Coinstar machines, at most of its locations.

Tops offers Western Union brand money orders and transfers. You can buy a money order for up to $500 at the Tops’ customer service desk for a small fee of $1. While Tops sells money orders, its stores don’t cash any money orders, including those purchased at Tops. Our dedicated research has more information about Tops money order policies.

Tops stores have Coinstar machines that you can use to count your coins and get paper money (for a fee), a get gift card, or Tops store credit in return.[3] You can also use your coins to make a donation to your favorite charity directly through Coinstar.[4]