28 Nearby Places That Do Late-Night Check Cashing

If you can’t use daytime check cashing services due to professional or personal obligations (or maybe you just forgot!), there are plenty of options for late-night check cashing.

You can try Publix, Stop & Shop, Walmart, and other grocery and convenience stores. Alternatively, you can visit an ATM or get your bank’s mobile app.

We have all the details about late-night check cashing below.

ATMs and Banking Apps

Bank ATMs and mobile apps are financial lifesavers when you need to cash a check but the bank is closed. Both of these options are a great way to get a check deposited quickly so you can have access to your cash — sometimes within just one business day. Keep in mind, you must be a banking customer to enjoy these services, so consider opening an account with one of the following banks for 24/7 check cashing convenience.

Bank of America

• ATM
  • Check types accepted: Any type of check^[1]
  • Limit amount: Up to 10 checks can be posted during each visit.^[1]
  • Check cashing info: Funds availability varies and is determined by factors such as deposit type, deposit amount, and the customer’s relationship with the bank.^[2]
  • Find a Bank of America ATM
• Mobile App
  • Check types accepted: Personal, business, government/Treasury, and cashier^[3]
  • Limit amount: Monthly deposit limit per account; varies^[3][4]
  • Check cashing info: Funds are immediately deposited and usually available the next business day.^[3]
  • Learn more about the Bank of America mobile app

Suggested Article: How to Cash a Large Check at Bank of America

Bank of the West

• ATM
  • Check types accepted: Most checks, including cashier’s checks and money orders^[5]
  • Limit amount: Up to 30 checks can be deposited during each transaction.^[5]
  • Check cashing info: Funds post immediately. However, it can take up to 48 hours for funds to be approved and available for spending.^[6]
  • Find a Bank of the West ATM
• Mobile App
  • Check types accepted: Checks drawn on a U.S. bank; government checks are not accepted^[6]
  • Limit amount: Monthly deposit limit per account; varies^[6][7]
  • Check cashing info: Deposits made before 7 p.m. PST are processed the same day and made available within two business days.^[7]
  • Learn more about the Bank of the West mobile app

Capital One 360

• ATM
  • Check types accepted: Any paper check^[8]
  • Limit amount: Up to 40 checks per transaction^[9]
  • Check cashing info: Funds deposited before 9 p.m. EST will be available that business day. Funds deposited after this time will be available on the same or the next business day.^[10]
  • Find a Capital One 360 ATM
• Mobile App
  • Check types accepted: Any paper check drawn on a U.S. bank and made payable in U.S. currency to you; must be properly endorsed, dated, and legible^[11] federal checks^[12]
  • Limit amount: Monthly deposit limit per account; varies^[13]
  • Check cashing info: Funds are immediately deposited and usually available the next business. day^[12]
  • Learn more about the Capital One 360 mobile app

Chase

• ATM
  • Check types accepted: All checks are accepted except for foreign checks.^[14]
  • Limit amount: Up to 30 checks per transaction^[15]
  • Check cashing info: Funds are immediately deposited and will become available on the same or next business day.^[16]
  • Find a Chase ATM
• Mobile App
  • Check types accepted: No restrictions^[16]
  • Limit amount: Monthly deposit limit per account; varies^[17]
  • Check cashing info: Funds are immediately deposited and usually available the next business day^[17][18]
  • Learn more about the Chase mobile app

Citibank

• ATM
  • Check types accepted: All are accepted except for double-endorsed checks, third-party checks, and some government checks.^[19]
  • Limit amount: Vary by ATM^[19]
  • Check cashing info: Funds should be available no later than the first business day after the deposit is made.^[20]
  • Find a Citibank ATM
• Mobile App
  • Check types accepted: No restrictions^[21]
  • Limit amount: Monthly deposit limit per account; varies^[22]
  • Check cashing info: Funds should be available no later than the first business day after the deposit is made.^[20]
  • Learn more about the Citibank mobile app

Citizens Bank

• ATM
  • Check types accepted: No restrictions^[23]
  • Limit amount: Up to $999,999.99 total in deposited checks;^[23] deposits made after 10 p.m. will be posted the next working day^[24]
  • Check cashing info: Funds are immediately deposited. Funds from check deposits after 10 p.m. are available the next business day.^[25]
  • Find a Citizens Bank ATM
• Mobile App
  • Check types accepted: Any except for checks made out to someone else, substitute checks, checks drawn on a bank outside of the U.S., checks dated more than six months ago, money orders, postal money orders, or traveler’s checks^[26]
  • Limit amount: 25 deposits per week; amount varies by your account’s age^[27]
  • Check cashing info: Deposits submitted before 10 p.m. EST are processed on the same business day. Deposits submitted after this time or on weekends and bank holidays are processed on the following business day.^[26]
  • Learn more about the Citizens Bank mobile app

Discover Bank

• ATM
  • Check types accepted: Unavailable^[28]
  • Limit amount: N/A
  • Check cashing info: N/A
  • Find a Discover Bank ATM
• Mobile App
  • Check types accepted: Personal, business, government/Treasury, official, certified, teller, and cashier^[29]
  • Limit amount: Monthly deposit limit per account; varies^[29]
  • Check cashing info: Funds availability varies between new and existing customers, as well as by check type and amount.^[29]
  • Learn more about the Discover Bank mobile app

Fifth Third Bank

• ATM
  • Check types accepted: No restrictions^[30]
  • Limit amount: Varies by account type and history^[31]
  • Check cashing info: Varies by account type and history; new customers will likely have a hold placed on checks and verification could take up to seven business days.^[31]
  • Find a Fifth Third Bank ATM
• Mobile App
  • Check types accepted: U.S. checks and money orders^[32]
  • Limit amount: Varies by account type and history^[31]
  • Check cashing info: Deposits made before 8 p.m. EST will be available on the same business day. Deposits made after this time will be available on the following business day.^[32]
  • Learn more about the Fifth Third Bank mobile app

First National Bank

• ATM
  • Check types accepted: No restrictions^[33]
  • Limit amount: No limit^[33]
  • Check cashing info: Funds are deposited immediately and become available the following business day if no holds are placed on the checks.^[33]
  • Find a First National Bank ATM
• Mobile App
  • Check types accepted: No restrictions^[33]
  • Limit amount: For new customers, $500 per day and $2,000 per month with unlimited transactions; for all others, $2,500 per day and $10,000 per month with unlimited transactions^[34]
  • Check cashing info: Checks deposited before 3:30 EST will be available on the same business day; checks deposited after will be available on the following business day.^[34]
  • Learn more about the First National Bank mobile app

HSBC

• ATM
  • Check types accepted: Any, except for substitute and traveler’s checks^[35]
  • Limit amount: Daily deposit dollar amount of $99,999.99^[36]
  • Check cashing info: Funds are made available the same business day or the business day following the date of deposit; varies based on the time of deposit and the check type^[35]
  • Find an HSBC ATM
• Mobile App
  • Check types accepted: Checks drawn on a U.S. institution; no traveler’s or international checks^[37]
  • Limit amount: Monthly deposit limit per account; varies^[38][37]
  • Check cashing info: Checks are deposited on the same or following business day; varies based on the time of deposit and the Funds Availability section of the Rules for Consumer Deposit Accounts^[39]
  • Learn more about the HSBC mobile app

M&T Bank

• ATM
  • Check types accepted: No restrictions^[40]
  • Limit amount: $99,999 per deposit^[41]
  • Check cashing info: Funds are immediately deposited when uploaded before 8 p.m. EST.^[41]
  • Find an M&T Bank ATM
• Mobile App
  • Check types accepted: Checks drawn on a U.S Bank; most money orders; some traveler’s checks^[42]
  • Limit amount: $6,000 per day; $12,000 per month^[41]
  • Check cashing info: Funds are immediately deposited when uploaded before 10 p.m. EST; deposits made after this time will post the following business day.^[43]
  • Learn more about the M&T mobile app

TD Bank

• ATM
  • Check types accepted: No restrictions^[44]
  • Limit amount: No limit^[44]
  • Check cashing info: Generally, the first $100 deposited daily will become available immediately while the remaining funds will be available the following business day.^[45]
  • Find a TD Bank ATM
• Mobile App
  • Check types accepted: Any, except for USPS money orders^[46]
  • Limit amount: Daily and monthly limits vary; exact limits are displayed under the “Amount” field in the “Deposit Cheque” screen^[47][48]
  • Check cashing info: Funds post to your account on the deposit date; funds are subject to TD’s Hold Funds policy.^[48]
  • Learn more about the TD Bank mobile app

Truist Bank

• ATM
  • Check types accepted: Personal checks, business checks, and checks drawn on a U.S. institution^[49]
  • Limit amount: No limits^[49]
  • Check cashing info: Once deposited, funds become available the following business day.^[49]
  • Find a SunTrust Bank ATM
• Mobile App
  • Check types accepted: Personal checks, business checks, and checks drawn on a U.S. institution^[49]
  • Limit amount: $5,000 per check; $10,000 per month^[49]
  • Check cashing info: Once deposited, funds become available the following business day.^[49]
  • Learn more about the SunTrust Bank mobile app

U.S. Bank

• ATM
  • Check types accepted: Most endorsed checks;^[50] foreign checks can’t be deposited at an ATM.^[51]
  • Limit amount: Vary by location^[51]
  • Check cashing info: The first $225 is available immediately; the remaining funds are typically available the following business day.^[52]
  • Find a U.S. Bank ATM
• Mobile App
  • Check types accepted: Consumer checks, business and corporate drafts, Payable Through drafts, cashier’s checks, money orders, and more^[53]
  • Limit amount: Varies based on account type, deposit history, and other factors^[54]
  • Check cashing info: The first $225 is available immediately; the remaining funds are typically available the following business day for deposits made before 9 p.m. CST.^[54]
  • Learn more about the U.S. Bank mobile app

Wells Fargo Bank

• ATM
  • Check types: Checks drawn on a U.S. bank, money orders, cashier’s checks, traveler’s checks, and Wells Fargo Superchecks^[55]
  • Limit amount: Varies by ATM^[55]
  • Check cashing info: Generally, a portion of the funds are available on the day of deposit; the remainder of the funds will be available on the following business day^[56]
  • Find a Wells Fargo Bank ATM
• Mobile App
  • Check types accepted: Checks drawn on a U.S. bank, including personal, business, and most government checks^[57]
  • Limit amount: Monthly deposit limit per account; varies^[58]
  • Check cashing info: Checks deposited before 9 p.m. PST on a business day will usually be available the following business day; checks deposited at any other time will be processed on the following business day and will generally be available the day after.^[57]
  • Learn more about the Wells Fargo Bank mobile app

If you need other options, we have a few more suggestions for where you can find check cashing ATMs and kiosks.

Convenience, Discount, and Grocery Stores

Your local grocery, discount, or convenience store is a great place to cash a check. These stores commonly accept payroll checks, and some allow personal checks. Be aware that stores tend to have check limits in place, and you may have to pay a nominal fee for the service. Even so, your neighborhood store can help put cash in your pocket, even when it’s long past traditional banking hours.

Food Lion

• Late hours: Varies; most locations open until 10 p.m.
• Check types: Payroll checks up to $1,000, rebate checks, federal- or state-issued tax refund up to $1,000, and U.S. traveler’s checks up to $499.99^[59]
• Limit amount: $1,000^[59]
• Fees: Vary by store and check type^[59]
• Requirements: Valid photo ID^[59]
• Check cashing info: Check issuer’s signature must be handwritten, computer printed, or stamped. Handwritten payroll checks are not accepted.^[59]
• Get more information on Food Lion’s policies 
• Find a Food Lion location

Suggested Article: Does Food Lion cash checks? Here’s the Food Lion Check Cashing Policy

Fred Meyer

• Late hours: Varies; most locations open until 9 p.m.
• Check types: Government checks, payroll checks, tax refund checks, insurance settlement checks, and business checks^[60]
• Limit amount: Up to $5,000^[60]
• Fees: Vary by store^[60]
• Requirements: Valid state or government photo ID and Social Security number^[60]
• Check cashing info: Funds available immediately.^[60]
• Get more information on Fred Meyer policies
• Find a Fred Meyer location

Suggested Article: Fred Meyer Check Cashing Policy: Fee, Which Check Types Are Accepted…

Giant Eagle

• Late hours: Varies; most locations are open until 11 p.m.
• Check types: Personal, payroll, government, and U.S. traveler’s checks^[61]
• Limit amount: $30 for personal checks and $100 for traveler’s checks; no limit specified for government checks.^[61]
• Fees: Vary by location^[61]
• Requirements: Must have a Giant Eagle Advantage Card with check cashing privileges and a government-issued photo ID.^[61]
• Check cashing info: Checks must be endorsed in front of an authorized Giant Eagle employee. The name on the check must match the name on the Giant Eagle Advantage card.^[61]
• Get more information on Giant Eagle policies
• Find a Giant Eagle location

Suggested Article: Giant Eagle Check Cashing Policy: Fees, Hours, etc Answered

Hannaford

• Late hours: Varies; most locations open until 9 p.m.
• Check types: Government, payroll, and pension checks that are considered regular income^[62]
• Limit amount: $1,000 for one payroll check in a week or $1,200 for two^[62]
• Fees: Vary by location; cashing pension checks is free for customers over 60.^[62]
• Requirements: Requires proper identification and check cashing application approval^[62]
• Check cashing info: N/A
• Get more information on Hannaford policies
• Find a Hannaford location

Kroger

• Late hours: Varies; most locations open until 9 p.m.
• Check types: Government checks, payroll checks, tax refund checks, insurance settlement checks, printed business checks, and child support checks^[60]
• Limit amount: $5,000^[60]
• Fees: Vary by store^[60]
• Requirements: Valid state or government photo ID and Social Security number^[60]
• Check cashing info: You can receive Shopper’s Card benefits when cashing a check.^[60]
• Get more information on Kroger policies
• Find a Kroger location

Suggested Article: Does Kroger cash checks? The Kroger Check Cashing Policy Explained

Publix

• Late hours: Varies; most locations open until 10 p.m.
• Check types: Personal and payroll^[63]
• Limit amount: One personal check of up to $75 per day; payroll checks vary by location^[64]
• Fees: Varies by location^[64]
• Requirements: State or government photo ID^[63]
• Check cashing info: N/A
• Get more information on Publix policies
• Find a Publix location

Ralphs

• Late hours: Varies; most locations open until 12 a.m.
• Check types: Government checks, payroll checks, tax refund checks, insurance settlement checks, and printed business checks^[60]
• Limit amount: $5,000^[60]
• Fees: Vary by store^[60]
• Requirements: Valid state or government photo ID and Social Security number^[60]
• Check cashing info: N/A
• Get more information on Ralphs policies
• Find a Ralphs location

Suggested Article: Does Ralphs Cash Checks? Ralphs’ Check Cashing Policy Explained

Stop & Shop

• Late hours: Varies; most locations open until 12 a.m.
• Check types: Payroll checks and government checks^[65]
• Limit amount: Varies by location; check with your local store for details.^[65]
• Fees: Vary by location^[65]
• Requirements: Valid government-issued ID^[65]
• Check cashing info: N/A
• Get more information on Stop & Shop policies
• Find a Stop & Shop location

Suggested Article: Stop & Shop Check Cashing

Walmart

• Late hours: Varies; most locations open until 11 p.m.
• Check types: Payroll, government, tax return, insurance, 401(k), retirement distribution, cashier’s checks, and MoneyGram money orders purchased at Walmart^[66]
• Limit amount: Usually up to $5,000^[66]
• Fees: $4 for checks up to $1,000, and $8 for checks $1,000.01+^[66]
• Requirements: Valid identification^[66]
• Check cashing info: Funds can be deposited directly onto a Walmart MoneyCard. The reload fee is waived when you add funds directly from the check you’re cashing.^[66]
• Get more information on Walmart policies
• Find a Walmart location

Suggested Article: Walmart Check Cashing Policy

WinCo

• Late hours: Varies; most locations open 24 hours
• Check types: Payroll checks^[67]
• Limit amount: Up to $1,000; limit of two per seven-day pay period^[67]
• Fees: A $5 token is charged for cashing payroll checks $500 and below. A $10 token is charged for cashing payroll checks exceeding $500 up to $1,000. You can then redeem the $5 token when you purchase $25 or more at WinCo Foods and the $10 token on purchases of $50 or more.^[67]
• Requirements: Valid ID and employment verification required to gain check cashing privileges.^[67]
• Check cashing info: Handwritten payroll checks, two-party loan checks, and checks over 30 days old are not accepted.^[67]
• Get more information on WinCo policies
• Find a WinCo location

Check Cashing Stores

Check cashing stores are a convenient option when traditional banking services are not accessible. Check cashing stores stay open longer than banks, and they typically cash payroll and other checks. However, keep in mind that fees for cashing checks can be hefty through check cashing companies. Call ahead to learn more about these fees, as they vary by location. Be sure to bring valid photo ID with you for verification.

CheckSmart

• Late hours: Varies; many locations open 24 hours
• Check types: Varies by location^[68][69]
• Limit amount: Varies by location according to state guidelines^[68]
• Fees: Varies by location according to state guidelines^[68][69]
• Requirements:Varies by location according to state guidelines^[68]
• Check cashing info: N/A
• Get more information on CheckSmart policies
• Find a CheckSmart location

United Check Cashing

• Late hours: Monday through Thursday and Saturday open until 8 p.m.; Friday open until 9 p.m.
• Check types: Payroll, government, business, insurance, rebate, tax refund checks, and more^[70]
• Limit amount: Varies based on availability; it’s a good idea to call ahead for larger checks.^[71]
• Fees: Varies by state and check type, usually around 2% of the check amount^[71]
• Requirements: Must show a government-issued photo ID^[72]
• Check cashing info: Funds are available immediately.^[73]
• Get more information on United Check Cashing policies
• Find a United Check Cashing location