68 Places With Check Cashing Services (Fees & Limits Included)

We’ve compiled the list of companies that provide check cashing services with locations nationwide, broken down by category: banks, supermarkets, gas stations and convenience stores, check cashing stores, and other major retailers. All banks and businesses listed include which types of checks can be cashed, how much it costs, hours of operation, and a link to find a location near you. For more about how and where to cash checks, see below.

What to Know Before Cashing a Check

Types of Checks

There are several different types of checks, and not every check cashing business will be able to cash every type. It’s important to know what kind of check you have so you can figure out where you’ll be able to cash it. Here are all the types of checks you may encounter:

• Personal checks: These are checks from personal bank accounts, handwritten, and made payable to another person or business. You may write a personal check to yourself and cash it (a “one-party” check) or you may receive a personal check payable to you from someone else (a “two-party” check). You can cash personal checks at a variety of places, as we’ve previously reported.
• Payroll checks: These checks are what employees typically receive for wages, payable to you from the company. If you get a paper check from your job, this is a payroll check. Some payroll checks are handwritten, and when they are, fewer places will cash them. Even still, you can cash payroll checks at a variety of places.
• Government checks: This category of checks includes disability checks, pension checks, Social Security checks, benefit checks, welfare checks, and any regular checks from the U.S. Treasury, the federal government, or a state government agency.
• Tax refund checks: If you are eligible for a yearly tax refund, you may choose to receive a paper check in the mail. This includes refunds for both federal and state income taxes. You can cash tax refund checks at a variety of places.
• Third-party checks: These checks are made payable to one person, who then signs over the check to another (third) person to cash. Third-party checks can be one of the most difficult types to cash, but there are some banks that accept third party checks.
• Traveler’s checks: These specialized checks are issued by banks as a security measure for travelers who don’t want to carry large amounts of cash with them.
• Insurance checks: You may receive an insurance check for any claim settled with your insurance company. Insurance checks may be received for auto insurance, home insurance, or any other type of insurance policy.
• Rebate checks: A rebate check is issued by a manufacturer, usually for a mail-in rebate promotion where you can buy something in a store or online at full price, and then receive a partial or full rebate by mail. The rebate is sent in the form of a check.
• Cashier’s checks: This type of check is a highly secured instrument drawn directly from the issuing bank, rather than a personal checking account. Cashier’s checks are usually high-dollar amounts for secure, big-item purchases or business-to-business sales. You can check out our list of places that cash cashier’s checks.
• Teller’s check: Also known as a banker’s draft, this is a check given to a bank customer for remittance purposes.
• Money orders: These are considered a type of secure check with prepaid funds, similar to a cashier’s check, but money orders are not guaranteed by banks and are typically for smaller amounts. You can cash money orders at a variety of places.

What You Need to Cash a Check

When you want to cash a check, you’ll usually need to bring the check and a valid form of identification. See our related research for accepted forms of ID and what else you need to cash a check, plus general information about how to cash a check.

If you can’t provide a government-issued photo ID, you won’t be able to cash a check. There are a few ways to get around this problem, and we discuss them in our research on how to cash a check without a bank account.

Check Cashing Fees

While there are some places that cash checks free of charge, such as certain banks and credit unions — particularly if you are an account holder at the institution — check cashing stores, grocery stores, and convenience stores usually do charge a fee for cashing checks.

Check cashing fees vary depending on the store’s policies, as well as other factors that may include the type of check being cashed and the amount of the check. The fee might be a set amount, such as $3 per check, or a percentage of the total check amount. Set fees are typically less than $10, and percentage fees are usually around 3% or less. However, you’ll want to note the fees before cashing your check, particularly if cashing a large check — 3% of a check worth $5,000, for example, would amount to a fee of $150.

Places That Cash Checks

You can use the table below for a quick explanation of the cashable check types, fees, and requirements at places that cash checks. Click any business or scroll for more information.

Banks and Credit Unions

Generally, banks and credit unions will cash any type of check for people who have an account, with no fees charged for the service. Some banks and credit unions will cash checks for non-customers, though most charge a fee for this service. Others will only cash checks for non-customers if the check is drawn on their bank, and may also charge fees for check cashing.

We’ve detailed which types of checks each bank and credit union will cash for account holders and non-customers, along with any fees they may charge for cashing checks.

Bank of America

• Checks cashed for account holders: All check types^[1]
• Fees for account holders: None^[2]
• Checks cashed for non-customers: Checks drawn on Bank of America; checks printed with magnetic ink (i.e. not printed at home) including payroll, government, tax refund, and cashier’s checks^[2]
• Fees for non-customers: $8 per check^[2]
• Requirements for cashing checks: Two forms of ID, including one government-issued photo ID^[3]
• Typical hours of operation: 9 a.m. to 4 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Find a Bank of America

Bank of the West

• Checks cashed for account holders: All types^[4]
• Fees for account holders: None^[4]
• Checks cashed for non-customers: Any check drawn on Bank of the West^[4]
• Fees for non-customers: Free for Bank of the West checks that are $50 or less, cashier’s checks, or drawn on a government agency account; $7.50 per check for all other Bank of the West checks^[4]
• Requirements for cashing checks: Government-issued photo ID^[4]
• Typical hours: 9 a.m. to 6 p.m. Monday through Friday; 9 a.m. to 12 p.m. Saturday
• Find a Bank of the West

BB&T Bank

• Checks cashed for account holders: All types^[5]
• Fees for account holders: None^[6]
• Checks cashed for non-customers: Personal and payroll checks drawn on BB&T^[5]
• Fees for non-customers: Free for checks up to $50; $8 for checks over $50^[6]
• Requirements for cashing checks: Government-issued photo ID^[5]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 12 p.m. Saturday
• Find a BB&T Bank

BMO Harris

• Checks cashed for account holders: All types^[7]
• Fees for account holders: None^[8]
• Checks cashed for non-customers: Checks drawn on BMO Harris^[7]
• Fees for non-customers: Free for checks up to $50; $10 for checks over $50^[8]
• Requirements for cashing checks: Government-issued photo ID^[7]
• Typical hours: 9 a.m. to 5 p.m. Monday through Friday; 9 a.m. to 12 p.m. Saturday
• Find a BMO Harris Bank

Chartway Federal Credit Union

• Checks cashed for account holders: All types^[9]
• Fees for account holders: None^[9]
• Checks cashed for non-customers: Any check drawn on Chartway except those made payable to a business^[9]
• Fees for non-customers: $3 or 2% of the total check amount, whichever is greater^[9]
• Requirements for cashing checks: Government-issued photo ID^[9]
• Typical hours: 9 a.m. to 5:30 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Find a Chartway Federal Credit Union

Chase Bank

• Checks cashed for account holders: All types^[10]
• Fees for account holders: None^[10]
• Checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks^[10]
• Fees for non-customers: $8 per check^[10]
• Requirements for cashing checks: Government-issued photo ID^[10]
• Typical hours: 8:30 a.m. to 6 p.m. Monday through Friday; 9 a.m. to 12 p.m. Saturday
• Find a Chase Bank

Find out more in our article on Chase Bank’s check cashing policy.

Citibank

• Checks cashed for account holders: Any type^[11]
• Fees for account holders: None^[11]
• Checks cashed for non-customers: Any check drawn on Citibank. Non-Citibank checks may be cashed for non-customers at the bank’s discretion.^[11]
• Fees for non-customers: Free for Citibank checks up to $5,000; other check cashing fees vary according to check type and amount^[11]
• Requirements for cashing checks: Two forms of ID, including one government-issued photo ID^[11]
• Typical hours: 8:30 a.m. to 6 p.m. Monday through Friday; 9 a.m. to 2 p.m. Saturday
• Find a Citibank

See more in our article on Citibank’s check cashing policies.

Citizens Bank

• Checks cashed for account holders: Any type except third-party checks^[12]
• Fees for account holders: None^[12]
• Checks cashed for non-customers: All checks drawn on Citizens Bank except third-party checks^[12]
• Fees for non-customers: $7 per check^[12]
• Requirements for cashing checks: Government-issued photo ID^[12]
• Typical hours: 9 a.m. to 4 p.m. Monday through Wednesday; 9 a.m. to 5 p.m. Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Find a Citizens Bank

Connexus Credit Union

• Checks cashed for account holders: Any type except traveler’s checks or third-party checks^[13]
• Fees for account holders: None^[14]
• Checks cashed for non-customers: All checks drawn on Connexus^[14]
• Fees for non-customers: Free^[14]
• Requirements for cashing checks: Government-issued photo ID^[14]
• Typical hours: 8 a.m. to 5 p.m. Monday through Friday; 9 a.m. to 12 p.m. Saturday
• Source: Customer service
• Find a Connexus Credit Union

Fifth Third Bank

• Checks cashed for account holders: Any type^[15]
• Fees for account holders: None^[16]
• Checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks^[15]
• Fees for non-customers: 1% of the total check amount; maximum fee $4^[16]
• Requirements for cashing checks: Two forms of ID, including one government-issued photo ID^[15]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 12 p.m. Saturday
• Find a Fifth Third Bank

First National Bank

• Checks cashed for account holders: Any type^[17]
• Fees for account holders: None^[17]
• Checks cashed for non-customers: All checks drawn on First National Bank; other types of checks may be cashed for non-customers at the bank’s discretion^[17]
• Fees for non-customers: $10 per check^[17]
• Requirements for cashing checks: Valid government-issued ID^[17]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday
• Find a First National Bank

HSBC

• Checks cashed for account holders: Any type^[18]
• Fees for account holders: None^[18]
• Checks cashed for non-customers: All checks drawn on HSBC; other types of checks may be cashed for non-customers at the bank’s discretion^[18]
• Fees for non-customers: Free for HSBC personal checks. Other check fees: $3 for checks up to $100; $5 for checks over $100^[18]
• Requirements for cashing checks: Government-issued photo ID^[18]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Source: Customer service
• Find an HSBC

KeyBank

• Checks cashed for account holders: Any type^[19]
• Fees for account holders: None^[19]
• Checks cashed for non-customers: Payroll, government, tax refund^[20]
• Fees for non-customers: 1% of the check amount (minimum $3; maximum $25)^[20]
• Requirements for cashing checks: Government-issued photo ID^[20]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Find a KeyBank

M&T Bank

• Checks cashed for account holders: Any type^[21]
• Fees for account holders: None^[21]
• Checks cashed for non-customers: All checks drawn on M&T Bank; other types of checks may be cashed for non-customers at the bank’s discretion^[21]
• Fees for non-customers: 3% of the total check amount ($3 minimum)^[21]
• Requirements for cashing checks: Government-issued photo ID^[21]
• Typical hours: 9 a.m. to 4 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 12 p.m. Saturday
• Find an M&T Bank

Mountain America Credit Union

• Checks cashed for account holders: Any type^[22]
• Fees for account holders: None^[22]
• Checks cashed for non-customers: All checks drawn on Mountain America Credit Union^[22]
• Fees for non-customers: Free^[22]
• Requirements for cashing checks: Government-issued photo ID^[22]
• Typical hours: 9 a.m. to 6 p.m. Monday through Friday; 9 a.m. to 2 p.m. Saturday (drive-thru only)
• Find a Mountain America Credit Union

Navy Federal Credit Union

• Checks cashed for account holders: Any type^[23]
• Fees for account holders: None^[23]
• Checks cashed for non-customers: All checks drawn on Navy Federal Credit Union^[23]
• Fees for non-customers: Free^[23]
• Requirements for cashing checks: Government-issued photo ID^[23]
• Typical hours: 9 a.m. to 5:30 Monday through Friday; 9 a.m. to 2 p.m. Saturday
• Find a Navy Federal Credit Union

PenFed Credit Union

• Checks cashed for account holders: Any type^[24]
• Fees for account holders: None^[24]
• Checks cashed for non-customers: All checks drawn on PenFed^[24]
• Fees for non-customers: Free^[24]
• Requirements for cashing checks: Government-issued photo ID^[24]
• Typical hours: 9 a.m. to 5 p.m. Monday through Friday; 9 a.m. to 1 p.m. Saturday
• Find a PenFed Credit Union

PNC Bank

• Checks cashed for account holders: Any type^[25]
• Fees for account holders: None^[25]
• Checks cashed for non-customers: All checks drawn on PNC Bank^[25]
• Fees for non-customers: Free^[25]
• Requirements for cashing checks: Government-issued photo ID^[25]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
• Find a PNC Bank

Regions Bank

• Checks cashed for account holders: Any type^[26]
• Fees for account holders: None^[26]
• Checks cashed for non-customers: Handwritten, payroll, government, insurance, tax refund, business, two-party, out-of-state checks, and money orders^[26]
• Fees for non-customers: 1% to 4% of the total check amount, depending on check type; 5% for money orders^[26]
• Requirements for cashing checks: Must have a Regions Now card (apply for a free Regions Now card online). To get a Regions Now card, you’ll need to have a government-issued photo ID, valid email address, Social Security number, and a funding source (such as a debit card, credit card, or checking account).^[26]
• Typical hours:
  • Lobby: 9 a.m. to 4:30 p.m. Monday through Thursday; 9 a.m. to 5 p.m. Friday
  • Drive-thru: 8:30 a.m. to 5 p.m. Monday through Thursday; 8:30 a.m. to 6 p.m. Friday; 9 a.m. to 12 p.m. Saturday
• Find a Regions Bank

SunTrust Bank

• Checks cashed for account holders: Any type^[27]
• Fees for account holders: None^[27]
• Checks cashed for non-customers: Personal, payroll, government, business, insurance, tax refund, out-of-state, and third-party checks^[27]
• Fees for non-customers: None for checks under $50; $7 otherwise^[28]
• Requirements for cashing checks: Government-issued photo ID^[27]
• Typical hours: 9 a.m. to 5 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. to 12 p.m. Saturday
• Find your nearest SunTrust Bank

TD Bank

• Checks cashed for account holders: Any type^[29]
• Fees for account holders: None^[29]
• Checks cashed for non-customers: All checks drawn on TD Bank^[29]
• Fees for non-customers: $7 per check^[29]
• Requirements for cashing checks: Government-issued photo ID^[29]
• Typical hours: 8 a.m. to 5 p.m. Monday through Wednesday; 8 a.m. to 6 p.m. Thursday and Friday; 9 a.m. to 1 p.m. Saturday
• Find a TD Bank

U.S. Bank

• Checks cashed for account holders: Any type^[30]
• Fees for account holders: None^[30]
• Checks cashed for non-customers: All checks drawn on U.S. Bank^[30]
• Fees for non-customers: $7 per check^[30]
• Requirements for cashing checks: Government-issued photo ID^[30]
• Typical hours: 9 a.m. to 5 p.m. Monday through Friday
• Find your nearest U.S. Bank

Wells Fargo

• Checks cashed for account holders: All types^[31]
• Fees for account holders: None^[31]
• Checks cashed for non-customers: Any check drawn on Wells Fargo^[31]
• Fees for non-customers: $7.50 per check^[31]
• Requirements for cashing checks: Government-issued photo ID^[31]
• Typical hours: 9 a.m. to 5 p.m. Monday through Friday; 9 a.m. to 1 p.m. Saturday
• Find a Wells Fargo

Find out more in our article about Wells Fargo’s check cashing policy.

Check Cashing Stores

Check cashing stores will usually cash all or most types of checks, though there is always a fee involved. Typically, check cashing stores only provide fee information on an individual basis because their check cashing fees often vary depending on the exact check type and amount. It’s best to call a check cashing store ahead of time to find out how much it will cost to cash your particular check there.

ACE Cash Express

• Check types cashed: Payroll, personal, business, government, tax refund, insurance checks, money orders, and more^[32]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store or check the fee schedule posted in the store lobby for details.
• Check cashing requirements: Government-issued photo ID^[32]
• Typical hours: 9 a.m. to 6 p.m. Monday through Wednesday; 9 a.m. to 7 p.m. Thursday and Friday; 10 a.m. to 5 p.m. Saturday
• Find an ACE Cash Express

Advance Financial

• Check types cashed: Personal, payroll, government, tax refund, cashier’s checks, insurance checks, money orders, and more^[33]
• Check cashing fees:
  • Payroll and government: 1% to 2.99% of total check amount with a minimum fee of $3 for payroll and $2 for government checks^[33]
  • Money orders and personal checks: 10% of total check amount with a minimum fee of $5^[33]
  • All other checks: 1% to 5% of total check amount with a minimum fee of $5^[33]
• Check cashing requirements: Government-issued photo ID^[33]
• Typical hours: Most locations open 24 hours
• Find an Advance Financial

Amscot

• Check types cashed: Personal, payroll, government, insurance, and tax refund checks^[34]
• Check cashing fees: Up to 10% of the total check amount^[34]
• Check cashing requirements: Valid photo ID^[34]
• Typical hours: Vary — many locations are open 24 hours
• Find an Amscot

See our previous research on Amscot’s check cashing policy.

Check Into Cash

• Check types cashed: Personal, payroll, government, tax refund, insurance, financial loan, two-party checks, cashier’s checks, handwritten checks, money orders, and more^[35]
• Check cashing fees: Varies according to location, check type, and amount. Fee schedules posted in store lobbies, or call your nearest store for details.^[35]
• Check cashing requirements: Valid photo ID^[35]
• Typical hours: 10 a.m. to 6 p.m. Monday through Friday; 10 a.m. to 3 p.m. Saturday
• Find a Check Into Cash

Check ‘n Go

• Check types cashed: Most types of checks, including personal, payroll, government, insurance, tax refund, cashier’s checks, and money orders^[36]
• Check cashing fees: Starting at 1.99% of the total check amount; rates vary by location and check type. Call your nearest store for details.^[36]
• Check cashing requirements: Government-issued photo ID^[36]
• Typical hours: 10 a.m. to 6 p.m. Monday through Thursday; 10 a.m. to 7 p.m. Friday; 10 a.m. to 2 p.m. Saturday
• Find a Check ‘n Go

Community Financial Service Center

• Check types cashed: Payroll, government, social security, insurance, tax refund, benefit checks, business checks, and more^[37]
• Check cashing fees: Varies according to location, check type, and amount. Fee schedules posted in store lobbies, or call your nearest store for details.^[37]
• Check cashing requirements: Government-issued photo ID^[37]
• Typical hours: 8:30 a.m. to 8 p.m. Monday through Friday; 9 a.m. to 6 p.m. Saturday; 9:30 a.m. to 5:30 p.m. Sunday
• Find a CFSC

Friendly Check Cashing

• Check types cashed: Most checks cashed, including personal, payroll, government, insurance, tax refund, 401(k), business checks, cashier’s checks, and money orders^[38]
• Check cashing fees: Varies by location, as well as check type and amount. Call your nearest store for the details of its fees.^[38]
• Check cashing requirements: Government-issued photo ID^[38]
• Typical hours: 8 a.m. to 7 p.m. Monday through Wednesday; 8 a.m. to 8 p.m. Thursday and Friday; 9 a.m. to 5 p.m. Saturday^[38]
• Find a Friendly Check Cashing

Money Mart

• Check types cashed: Most checks including personal, payroll, government, tax refund, insurance, cashier’s checks, business checks, 401(k), and money orders^[39]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for the specifics of its fee schedule.^[39]
• Check cashing requirements: Government-issued photo ID^[39]
• Typical hours: 8 a.m. to 9 p.m. Monday through Friday; 9 a.m. to 7 p.m. Saturday; 10 a.m. to 5 p.m. Sunday
• Find a Money Mart

Mr. Payroll

• Check types cashed: Most checks including personal, payroll, government, tax refund, insurance, cashier’s checks, two-party checks, 401(k), and money orders^[40]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.^[40]
• Check cashing requirements: Government-issued photo ID^[40]
• Typical hours: 9 a.m. to 7 p.m. Monday and Tuesday; 9 a.m. to 8 p.m. Wednesday through Friday; 9 a.m. to 3 p.m. Saturday
• Find a Mr. Payroll

Pay-O-Matic

• Check types cashed: Personal, payroll, government, business, insurance, tax refund, lawyers’ checks, union checks, and more^[41]
• Check cashing fees: About 2% of the total check amount^[41]
• Check cashing requirements: Government-issued photo ID^[41]
• Typical hours: Many locations open 24 hours; operating hours vary at remaining locations
• Find a Pay-O-Matic

PLS Check Cashing

• Check types cashed: Personal, payroll, government, insurance, business, tax refund, out-of-state checks, and more^[42]
• Check cashing fees: Starting at $1 plus 1% of the total check amount^[42]
• Check cashing requirements: Government-issued photo ID^[42]
• Typical hours: Most locations open 24 hours^[42]
• Find a PLS Check Cashing

Speedy Cash

• Check types cashed: Personal, payroll, government, insurance, tax refund, money orders, cashier’s checks, bank drafts, and more^[43]
• Check cashing fees: Starting at $2^[43]
• Check cashing requirements: Government-issued photo ID^[43]
• Typical hours: 8 a.m. to 9 p.m. Monday through Saturday; 10 a.m. to 4 p.m. Sunday. Some locations open 24 hours.
• Find a Speedy Cash

The Check Cashing Store

• Check types cashed: Personal, payroll, government, insurance, small business, money orders, and more^[44]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.^[44]
• Check cashing requirements: Two forms of ID, including one government-issued photo ID^[44]
• Typical hours: 9 a.m. to 7 p.m. Monday through Thursday; 9 a.m. to 8 p.m. Friday; 8 a.m. to 5 p.m. Saturday; 10 a.m. to 5 p.m. Sunday
• Find a Check Cashing Store

United Check Cashing

• Check types cashed: Personal, payroll, government, tax refund, insurance, rebate checks, business checks, benefit checks^[45]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.^[45]
• Check cashing requirements: Government-issued photo ID^[45]
• Typical hours: 9 a.m. to 6 p.m. Monday through Wednesday; 9 a.m. to 7 p.m. Thursday and Friday; 9 a.m. to 5 p.m. Saturday
• Find a United Check Cashing

USA Check Cashing Store

• Check types cashed: Most types including personal, payroll, government, insurance, tax refund, business, cashier’s checks, bonus checks, settlement checks, money orders, and more^[46]
• Check cashing fees: Varies according to location, check type, and amount. Call your nearest store for details.^[46]
• Check cashing requirements: Government-issued photo ID^[46]
• Typical hours: 8 a.m. to 8 p.m. Monday through Friday; 9 a.m. to 7 p.m. Saturday; 10 a.m. to 4 p.m. Sunday
• Find a USA Check Cashing Store

Convenience Stores

Very few gas stations and convenience stores offer check cashing services, but they do exist. When gas stations are connected to grocery stores (this is pretty common — Kroger, Hy-Vee, King Soopers, and others sometimes have grocery stations), there might be check cashing available in the grocery store, but it won’t also be available at the gas station. So for those, see the next list of grocery stores. Here’s the list of convenience stores that cash checks.

Pilot/Flying J Travel Centers

• Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.^[47]
• Check cashing limits: Up to $999.99^[47]
• Check cashing fees: Free for checks up to $200 with a minimum purchase of 25 gallons of fuel; fees vary for larger checks and checks cashed without a qualifying purchase^[47]
• Check cashing requirements: Must be a Flying J Direct Bill Customer or a member of NATSO (National Association of Truck Stop Operators)^[47]
• Typical hours: Check cashing is available any time the travel center is open; most locations are open 24 hours.
• Find a Pilot/Flying J

Road Ranger

• Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.^[48]
• Check cashing limits: Up to $999.99^[48]
• Check cashing fees: Free for checks up to $200 with a minimum purchase of 25 gallons of fuel; fees vary for larger checks and checks cashed without a qualifying purchase^[48]
• Check cashing requirements: Must be a Flying J Direct Bill Customer or a member of NATSO(National Association of Truck Stop Operators)^[48]
• Typical hours: Most locations are open 24 hours, and check cashing is available at any time.
• Find a Road Ranger

TravelCenters of America

• Check types cashed: Personal, payroll, government. Other check types may be cashed at the store’s discretion, but must be verified before cashing.^[49]
• Check cashing limits: $300^[49]
• Check cashing fees: Free for UltraONE Platinum members or with minimum qualifying fuel purchase; fees vary for non-members or check cashing with no purchase^[49]
• Check cashing requirements: Check cashing accounts must be company- or NATSO-approved. You can apply for check cashing privileges at TravelCenters of America by printing and filling out the TravelCenters of America Check Cashing Application and bringing it to your nearest location.
• Typical hours: Most locations open 24 hours; check cashing is available any time as long as the center has sufficient funds available.
• Find a TravelCenters of America

Grocery Stores

The following grocery stores will cash some types of checks. Typically, you may be able to cash payroll, government, and/or personal checks at grocery stores, although some stores will cash additional types of checks. Grocery stores normally charge a small fee for check cashing services, and usually have a limit on check amounts that they’re able to cash. Note that while we’ve listed the typically available hours for check cashing in this list, hours may vary by store.

Albertsons

• Check types cashed: Electronically signed checks^[50]
• Check cashing limits: Up to $1,000^[50]
• Check cashing fees: Vary by location
• Check cashing requirements: Government-issued photo ID^[50]
• Typical check cashing hours: 8 a.m. to 8 p.m. Monday through Friday; 8 a.m. to 6 p.m. Saturday; 10 a.m. to 4 p.m. Sunday
• Find an Albertsons

Find out more in our article on Albertsons check cashing and money order policies.

Baker’s

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[51]
• Check cashing limits: $5,000^[51]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[51] Lowest check cashing fees available with Baker’s Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[51]
• Typical check cashing hours: 8 a.m. to 9 a.m. daily
• Find a Baker’s

Dillons

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[52]
• Check cashing limits: $5,000^[52]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[52] Lowest check cashing fees available with Dillons Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[52]
• Typical check cashing hours: 7 a.m. to 11 p.m. daily
• Find a Dillons

Find out more in our article on Dillons’ check cashing policies.

Food City

• Check types cashed: Payroll checks, government checks, and rebate checks on the store-approved list^[53]
• Check cashing limits: $1,000^[53]
• Check cashing fees: $3^[53]
• Check cashing requirements: A government-issued photo ID; payroll checks must be from companies on a Food City-approved list^[53]
• Typical check cashing hours: 6 a.m. to 12 a.m. daily
• Find a Food City

Find out more in our article on Food City’s check cashing policy.

Food Lion

• Check types cashed: Personal, payroll, government, rebate, tax refund, U.S. traveler’s thecks^[54]
• Check cashing limits: Up to $1,000 for payroll; up to $500 for all other types^[54]
• Check cashing fees: Vary by state^[54]
• Check cashing requirements: Government-issued photo ID^[54]
• Typical check cashing hours: 7 a.m. to 9 p.m. daily
• Find a Food Lion

Find out more in our article about Food Lion’s check cashing policies.

Fred Meyer

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[52]
• Check cashing limits: $5,000^[52]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[52] Lowest check cashing fees available with Fred Meyer Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[52]
• Typical check cashing hours: 8 a.m. to 9 p.m. daily
• Find a Fred Meyer

See more in our article on Fred Meyer’s check cashing policies.

Fry’s Food

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[52]
• Check cashing limits: $5,000^[52]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[52] Lowest check cashing fees available with Fry’s Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[52]
• Typical check cashing hours: 8 a.m. to 9 p.m. daily
• Find a Fry’s Food

Find out more in our article about Fry’s check cashing and money order policies.

Giant Eagle

• Check types cashed: Personal, payroll, government, U.S. traveler’s checks^[55]
• Check cashing limits: $30 for personal checks; limits vary by location for other types of checks^[55]
• Check cashing fees: Vary by location^[55]
• Check cashing requirements: Government-issued photo ID and Giant Eagle Advantage Card with check-cashing privileges. You can apply for the card at any Giant Eagle customer service desk. There is a three- to five-day wait for check cashing approval at Giant Eagle.
• Typical check cashing hours: 10 a.m. to 7 p.m. on weekdays; 10 a.m. to 3 p.m. on weekends
• Find a Giant Eagle

Find out more in our article on the Giant Eagle check cashing policy.

Giant Food

• Check types cashed: Payroll, government^[56]
• Check cashing limits: Vary by location^[56]
• Check cashing fees: Vary by location^[56]
• Check cashing requirements: Government-issued photo ID, and you must apply for a Payroll and Business Check Cashing Card at your local Giant Food store^[56]
• Typical check cashing hours: 8 a.m. to 9 p.m. daily
• Find a Giant Food

Hannaford

• Check types cashed: “Regular income” checks including payroll, government, and pension^[57]
• Check cashing limits: Vary by location^[57]
• Check cashing fees: Vary by location^[57]
• Check cashing requirements: Government-issued photo ID, and you must apply for check cashing privileges at any Hannaford location. Check cashing approval takes around five business days to process.^[57]
• Typical check cashing hours: 7 a.m. to 8 p.m. daily
• Find a Hannaford

H-E-B

• Check types cashed: Personal, payroll, government, tax refund, insurance, and dividend checks; Western Union money orders purchased at H-E-B.^[58]
• Check cashing limits: Up to $9,500^[58]
• Check cashing fees: Depends on the check amount; The fee for checks up to $3,000 is $3, while fees for checks over $3,000 vary^[58]
• Check cashing requirements: Government-issued photo ID^[58]
• Typical check cashing hours: 8 a.m. to 8 p.m. Monday through Saturday; 10 a.m. to 6 p.m. on Sundays
• Find an H-E-B

See more in our article on H-E-B’s check cashing policies.

Hy-Vee

• Check types cashed: Payroll (check cashing available at select locations)^[59]
• Check cashing limits: Vary by location; limits typically range from $2,000 to $5,000^[59]
• Check cashing fees: Vary by location
• Check cashing requirements: Government-issued photo ID^[59]
• Typical check cashing hours: 8 a.m. to 9 p.m. daily
• Find a Hy-Vee

Find out more in our article on Hy-Vee’s check cashing policies.

King Soopers

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[52]
• Check cashing limits: $5,000^[52]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[52] Lowest check cashing fees available with King Soopers Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[52]
• Typical check cashing hours: 6:30 a.m. to 1o p.m. daily
• Find a King Soopers

See more in our article on the King Soopers check cashing policy.

Kmart

• Check types cashed: Personal, payroll, government, tax refund^[60]
• Check cashing limits: Personal checks up to $500; all others up to $2,000^[60]
• Check cashing fees: $1 or less^[60]
• Check cashing requirements: Government-issued photo ID, and must be a Shop Your Way member
• Typical check cashing hours: 8 a.m. to 10 p.m. Monday through Sunday
• Find a Kmart

Kroger

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[61]
• Check cashing limits: $5,000^[61]
• Check cashing fees: Fees start at $3 for checks of amounts up to $2,000; checks between $2,000 and $5,000 have a $5.50 fee.^[61] Lowest check cashing fees available with Kroger Shoppers Card.
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[61]
• Typical check cashing hours: 8 a.m. to 9 p.m. daily
• Find a Kroger

Find out more in our article explaining Kroger’s check cashing policies.

Market Basket

• Check types cashed: Personal, payroll^[62]
• Check cashing limits: Up to $50 for personal checks; limits vary for payroll checks^[62]
• Check cashing fees: Typically 1.25% of total check amount, although fees may vary by location^[62]
• Check cashing requirements: Two forms of ID, including one government-issued photo ID. Checks must be local and able to be verified through Certegy.^[62]
• Typical check cashing hours: 7 a.m. to 9 p.m. Monday through Sunday
• Find a Market Basket

Price Chopper

• Check types cashed: Payroll^[63]
• Check cashing limits: $350 to $1,100, depending on the level of check cashing privileges^[63]
• Check cashing fees: Free^[63]
• Check cashing requirements: Government-issued photo ID, and a Price Chopper AdvantEdge card with active check cashing privileges.^[63]
• Typical check cashing hours: 8:30 a.m. to 7 p.m. on weekdays and 10 a.m. to 4 p.m. on weekends
• Find a Price Chopper

Find out more in our article on Price Chopper’s check cashing policies.

Publix

• Check types cashed: Personal, payroll^[64]
• Check cashing limits: Vary by location^[64]
• Check cashing fees: Typically $3 to $6 depending on check amount, but fees may vary by location^[64]
• Check cashing requirements: Government-issued photo ID^[64]
• Typical check cashing hours: 7 a.m. to 10 p.m. daily
• Find a Publix

Find out more in our article about the Publix check cashing and money order policies.

Ralphs

• Check types cashed: Payroll, government, tax refund, corporate, and insurance checks^[52]
• Check cashing limits: $5,000^[52]
• Check cashing fees: Starting at $3 for checks up to $2,000 and $5.50 for checks over $2,000 up to $5,000.^[52] Lowest check cashing fees available with Kroger Shoppers Card (Ralphs doesn’t have a separate Shoppers Card, but accepts Kroger cards at all locations)
• Check cashing requirements: Government-issued photo ID and a valid Social Security number.^[52]
• Typical check cashing hours: 8 a.m. to 8 p.m. daily
• Find a Ralphs

See more in our article about Ralphs’ check cashing policies.

Safeway

• Check types cashed: Printed, non-personal checks including payroll, government, and tax refund^[65]
• Check cashing limits: Up to $1,499^[65]
• Check cashing fees: $2.25 for every $200 cashed, though fees may vary by location^[65]
• Check cashing requirements: Government-issued photo ID^[65]
• Typical check cashing hours: 9 a.m. to 7 p.m. Monday through Friday; 9 a.m. to 6 p.m. Saturday; 10 a.m. to 6 p.m. Sunday
• Find a Safeway

Find out more in our article on Safeway’s check cashing policy.

Shaw’s

• Check types cashed: Payroll, government^[66]
• Check cashing limits: Up to $1,500^[66]
• Check cashing fees: Vary by location^[66]
• Check cashing requirements: Government-issued photo ID and valid Social Security number^[66]
• Typical check cashing hours: 8 a.m. to 10 p.m. Monday-Saturday; 8 a.m. to 6 p.m. Sunday
• Find a Shaw’s

See more in our article explaining Shaw’s check cashing policy.

ShopRite

• Check types cashed: Payroll, government^[67]
• Check cashing limits: Up to $500^[67]
• Check cashing fees: Free^[67]
• Check cashing requirements: Government-issued photo ID and a ShopRite Price Plus card with activated check cashing privileges.^[67]
• Typical check cashing hours: 7 a.m. to 12 a.m. every day
• Find a ShopRite

Find out more in our article about ShopRite’s check cashing policies.

Stop & Shop

• Check types cashed: Payroll, government^[68]
• Check cashing limits: Vary by location^[68]
• Check cashing fees: Vary by location^[68]
• Check cashing requirements: Government-issued photo ID. You must also apply for a Payroll and Business Check Cashing card at any Stop & Shop location.^[68]
• Typical check cashing hours: 9 a.m. to 9 p.m. daily
• Find a Stop & Shop

Find out more in our article on Stop & Shop check cashing.

Tops Friendly Markets

• Check types cashed: Payroll, government^[69]
• Check cashing limits: $500^[69]
• Check cashing fees: $1 per check^[69]
• Check cashing requirements: Government-issued photo ID^[69]
• Typical check cashing hours: 10 a.m. to 7 p.m. Monday through Friday; 10 a.m. to 4 p.m. on Saturdays; 11 a.m. to 3 p.m. on Sundays
• Find a Tops Friendly Markets

Find out more in our article about Tops check cashing.

Vons

• Check types cashed: Printed payroll and government checks^[70]
• Check cashing limits: Typically $1,000^[70]
• Check cashing fees: $2.25 for every $100 cashed^[70]
• Check cashing requirements: Government-issued photo ID^[70]
• Typical check cashing hours: Typically 6 a.m. to 11 p.m. every day
• Find a Vons

See our dedicated research on Vons’ check cashing policy.

Walmart

• Check types cashed: Payroll, government, tax rebate, insurance, 401(k), retirement distribution, cashier’s checks, and MoneyGram money orders purchased at Walmart^[71]
• Check cashing limits: Up to $5,000 for most locations with seasonal limits up to $7,500 between January and April. Check cashing is limited to $2,000 in Florida, and not available in New York, New Jersey, or Rhose Island.^[71]
• Check cashing fees: Checks up to $1,000 have a $3 fee, while checks between $1,000 and $5,000 have a $6 fee.^[71]
• Check cashing requirements: Government-issued photo ID^[71]
• Typical check cashing hours: 8 a.m. to 8 p.m. every day (though some stores may offer extended weekday hours or shorter Sunday hours)
• Find a Walmart

See more in our article explaining Walmart’s check cashing policies.

WinCo Foods

• Check types cashed: Payroll^[72]
• Check cashing limits: Up to $1,000^[72]
• Check cashing fees: $5 token for checks up to $500; $10 token for checks up to $1,000. Tokens can be used toward the purchase of WinCo merchandise.^[72]
• Check cashing requirements: Government-issued photo ID and the ability for WinCo to verify your employment (typically by calling your employer)^[72]
• Typical check cashing hours: 9 a.m. to 9 p.m. every day
• Find a WinCo

Winn-Dixie

• Check types cashed: Electronically signed checks (at most locations)^[73]
• Check cashing limits: Up to $500^[73]
• Check cashing fees: $3.50 per check^[73]
• Check cashing requirements: Government-issued photo ID^[73]
• Typical check cashing hours: 7 a.m. to 9 p.m. daily
• Find a Winn-Dixie

See more in our article on Winn-Dixie’s check cashing policies.

Places That Don’t Cash Checks

In the course of our research and communications with businesses, we found several stores and types of stores that don’t cash checks.

Types of Stores That Don’t Cash Checks

Aside from grocery stores and a few department stores, you typically won’t find check cashing services available at other types of retail stores. The store types that generally do not cash checks include:

• Auto parts stores
• Convenience stores (Most don’t, but some do — we list the convenience stores that cash checks.)
• Clothing stores
• Dollar stores
• Electronics stores
• Hardware/home improvement stores
• Office supply stores
• Pet supply stores
• Restaurants and fast food stores
• Specialty stores

Banks/Credit Unions That Don’t Cash Checks

• Ally Bank (Online bank with no branch locations; deposits only)
• Alliant Credit Union (Cashless branch operations; deposits only)
• Charles Schwab Bank (Online bank with no branch locations; deposits only)
• Fidelity Bank (Online bank with no branch locations; deposits only)

Grocery Stores That Don’t Cash Checks

• ALDI
• BJ’s Wholesale Club
• Costco
• Food 4 Less
• Gelson’s
• Heinen’s
• JayC Foods
• Jewel-Osco
• Sam’s Club
• Target
• Trader Joe’s
• Whole Foods

Pharmacies That Don’t Cash Checks

• CVS
• Rite Aid
• Walgreens

In Summary

With the list above, we hope you’ve identified the nearest check cashing place that fits your needs. Keep in mind that whether or not the company specifies it on their website, you’ll almost always need a valid, government-issued ID in order to cash a check. If you have a check for a large amount or an unusual type of check, it’s a good idea to call ahead and verify that the place you plan to visit won’t have a problem cashing your check. No matter what type of check you are trying to cash or what area of the U.S. you are in, there should be a place near you where you can get your check cashed.