Where Can I Cash an Insurance Settlement Check? 29 Options Listed

Short Answer: You can cash insurance settlement checks at a variety of locations, including banks like Citibank, apps like PayPal and Ingo Money, check-cashing stores, and retailers like Walmart and Kroger. Below, we detail where to cash insurance checks, including the fees and limits.

Places That Cash Insurance Checks: Comparison Table

Many banks, apps, check-cashing companies, and stores will cash insurance checks. There is typically a fee and a limit on the check amount, and these conditions often vary by state or store location. Some form of government-issued ID is usually required when cashing an insurance check, too.

Below, we list the places that cash insurance checks, as well as some that don’t. To gather this information, we contacted customer service representatives for each company. The following table compares the fees, limits, and check cashing requirements; see the list below for further details of each company’s check cashing policies.

Where to Cash an Insurance Check Fees Limits Requirements
ACE Cash Express 5% Varies by location ID
Baker's $3+ Varies by location ID and SSN or ITIN
Bank of America $8 $1,000 ID; Check must be drawn on Bank of America
BI-LO Vary based on check amount Varies by location ID
Chase $8 Varies by payor ID; Check must be drawn on Chase or JP Morgan
Citibank None $5,000 ID; Check must be payable to a single payee
City Market $3+ Varies by location ID and SSN or ITIN
Dillon's $3+ Varies by location ID and SSN or ITIN
Food City $5 Varies by location ID
Fred Meyer $3+ Varies by location ID and SSN or ITIN
Fry's Food Stores $3+ Varies by location ID and SSN or ITIN
Gerbes Super Markets $3+ Varies by location ID and SSN or ITIN
Giant Food Vary by location Varies by location ID and Giant rewards card
H-E-B $3+ $1,000 ID
Hy-Vee Vary by location Varies by location ID
Ingo Money 5% ($5 minimum); waived if you wait 10 days to receive the funds $5,000 per transaction or day and $10,000 per month ID
King Soopers $3+ Varies by location ID and SSN or ITIN
Kmart Vary by location; usually $1 $500 ID and Kmart Shop Your Way membership
Kroger $3+ Varies by location ID and SSN or ITIN
Money Services $3+ Varies by location ID and SSN or ITIN
Owen's Market $3+ Varies by location ID and SSN or ITIN
Pay Less Super Market $3+ Varies by location ID and SSN or ITIN
PayPal 5% ($5 minimum); waived if you wait 10 days to receive the funds $2,500 ID
PLS Check Cashing Vary based on check amount and risk factors Varies by location ID
QFC $3+ Varies by location ID and SSN or ITIN
Ralph's $3+ Varies by location ID and SSN or ITIN
Smith's Food and Drug $3+ Varies by location ID and SSN or ITIN
TA-Petro Vary by state $300 over your in-store purchase amount ID
Walmart Up to $8 $5,000 ($7,500 from Jan through Apr) ID
Winn-Dixie Vary based on check amount Varies by location ID

The List of Places That Cash Insurance Checks

Banks That Cash Insurance Checks for Non-Customers

Banks like SunTrust Bank and U.S. Bank will cash insurance checks for customers only; you can always cash insurance checks at banks where you have checking and savings accounts. However, the following banks will also cash insurance checks for non-customers:

Bank of America

Chase

  • Details: Chase will cash insurance settlement checks for non-customers if the check is drawn on Chase Bank or JP Morgan Bank. Check-cashing restrictions may apply at the discretion of the individual branch.
  • Requirements: Photo ID, such as a driver’s license, is required. For checks over certain amounts, branches may require a second form of ID, such as a debit/credit card or passport.
  • Fee: $8
  • Limit: Determined by the limits set up by the payor’s Chase account

Citibank

  • Details: Citibank will cash insurance settlement checks drawn on Citibank accounts and non-Citibank accounts if the check is under the limit and payable to a single payee.
  • Requirements: Two forms of valid ID, such as a driver’s license or passport
  • Fee: None
  • Limit: $5,000 (Note: In the state of Connecticut, there is no formal dollar limit on the check to be cashed. When the check is not a Citibank check, it may be cashed at the Connecticut branch’s discretion.)

Check Cashing Stores and Apps

Check cashing stores and apps like the following will cash most types of checks, including insurance checks:

ACE Cash Express

  • Details: You can cash insurance settlement checks at ACE Cash Express locations.
  • Requirements: Government-issued ID, such as a driver’s license
  • Fee: 5% of the check amount
  • Limit: Varies by store

Ingo Money

Note: The issuer of your bank debit card, prepaid card, PayPal account, or another funding account may impose additional fees and limits separate from those imposed by Ingo Money.

  • Details: You can cash an insurance check using the Ingo Money app. Receive the funds in one of your linked bank accounts, prepaid cards, credit cards, or PayPal accounts, or on an Amazon gift card.
  • Requirements: Active Ingo Money account
  • Fee: 5% (with a $5 minimum fee per check) for immediate cashing; no fee if you choose to wait 10 days to receive your money. If you’ve cashed six or more checks within the prior 90-day period, you will qualify for Ingo Gold Preferred Pricing, and the fee to cash insurance checks will be 4%, with a minimum $5 fee.
  • Limit: $5,000 per check; $5,000 total in checks per day; and $10,000 total in checks per month

PayPal

  • Details: PayPal offers check cashing with the PayPal app; you receive the funds in your online PayPal account when your check is approved, and then you can transfer the money to your bank account.
  • Requirements: Active PayPal account
  • Fee: 5% (with a $5 minimum fee per check) for immediate cashing; no fee if you choose to wait 10 days to receive your money.
  • Limit: $2,500

PLS Check Cashing

Grocery, Convenience, and Retail Stores

The following grocery stores offer check cashing services and will cash insurance checks:

BI-LO

  • Details: BI-LO will cash two-party insurance checks, subject to security restrictions such as a watermark, a customer service representative said.
  • Requirements: ID required
  • Fee: Varies based on the check amount
  • Limit: Varies by store

Food City

  • Details: Food City will cash insurance checks only if the payor has been pre-approved with the store and is verified in its electronic system.
  • Requirements: ID, such as a driver’s license
  • Fee: $5
  • Limit: Varies by store

Giant Food

  • Details: Giant Food typically only cashes personal and payroll checks, but a customer service representative said that individual stores might cash insurance settlement checks at their own discretion.
  • Requirements: A Giant Food check cashing card and ID, such as a driver’s license, are required to cash a check at Giant Food.
  • Fee: Varies by location
  • Limit: Varies by location

H-E-B

Hy-Vee

  • Details: Hy-Vee offers check-cashing services. Since the stores are independently owned and operated, the decision to cash insurance checks is at the discretion of the particular store, a customer service representative said.
  • Requirements: ID required
  • Fee: Varies by store
  • Limit: Varies by store

Kmart

  • Details: Kmart locations currently cash two-party insurance checks, but you should contact the particular location to verify that it has the funds, a customer service representative said. Many of the Kmart locations we contacted did not cash checks because of a lack of funds.
  • Requirements: You must present an ID, such as a driver’s license. You must also be a Kmart Shop Your Way member to cash a check.
  • Fee: Typically $1, but some states charge no fee.
  • Limit: $500

TA-Petro

  • Details: TA-Petro provides check-cashing privileges to National Association of Truck Stop Operators (NATSO)- and company-approved accounts if the location has sufficient funds available.
  • Requirements: ID required
  • Fee: Varies by state; no fee in New Jersey. Fees may be waived for qualifying purchases.
  • Limit: Up to $300 over the purchase amount

Walmart

Note: If you have a Walmart MoneyCard (Walmart’s reloadable prepaid card), you can have some or all of the money loaded onto your card and waive the $3 reload fee. The check-cashing fee will still apply.

Winn-Dixie

  • Details: Winn-Dixie will cash two-party insurance checks, subject to security restrictions such as a watermark.
  • Requirements: ID required
  • Fee: Varies based on the check amount
  • Limit: Varies by store

Grocery Stores Partnering with Money Services

  • Details: Money Services locations cash insurance settlement checks, and they are typically located in grocery stores.
  • Requirements: ID required; acceptable IDs include a driver’s license, state-issued ID, military ID, resident alien card, Mexican Matricula Consular ID, and U.S.-issued passport. You also need to provide your Social Security number or Tax Identification Number.
  • Fee: Starting at $3; varies by state
  • Limit: Varies by state

The following stores have Money Services locations inside and will cash insurance checks according to the requirements listed above, with fees starting at $3:

  • Baker’s
  • City Market
  • Dillon’s
  • Fred Meyer
  • Fry’s Food Stores
  • Gerbes Super Markets
  • King Soopers
  • Kroger
  • Owen’s Market
  • Pay Less Super Market
  • QFC
  • Ralphs
  • Smith’s Food and Drug

Places That Don’t Cash Insurance Checks

In the course of our research, we found that the following places do not cash insurance checks:

  • Country Mart (payroll checks only)
  • CVS (as previously reported)
  • Food Lion (personal and payroll checks only)
  • Giant Eagle (personal, payroll, and traveler’s checks only)
  • Hannaford (as previously reported)
  • HSBC
  • Ingles (as previously reported)
  • Price Chopper (as previously reported)
  • Publix (personal and payroll checks only)
  • Safeway (as previously reported)
  • Schnucks (as previously reported)
  • Shaw’s (as previously reported)
  • ShopRite (as previously reported)
  • Target
  • Wegmans
  • Western Union

Many grocery stores that do not cash insurance checks still offer some form of check-cashing services. Need to cash a tax refund or benefits check? See our list of places that will cash government checks. We also have the list of more than 30 grocery stores that cash checks.