Where to Go for Late-Night Check Cashing: 28 Options Listed

William Lipovsky headshot William Lipovsky
Verified & Updated Sep 27, 2018

If you cannot 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: Kmart, Publix, Stop & Shop, Walmart, and other grocery and convenience stores. Alternately, you can visit an ATM or download your bank’s mobile app. We have all the details about late night check cashing below.

Cash Your Check Late at Night Using These Apps and ATMs

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: Personal, payroll, and government; foreign checks not accepted.
    • Limit amount: Up to 10 checks can be posted during each visit.
    • Check cashing info: Funds are immediately deposited. Funds from checks deposited by 8 p.m. are available the same business day.
    • Find a Bank of America ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • 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: Personal, payroll, government, cashier, and tax
    • Limit amount: Up to 30 checks can be deposited during each transaction.
    • Check cashing info: Funds are immediately deposited.
    • Find a Bank of the West ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Bank of the West mobile app

Capital One 360

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited.
    • Find a Capital One 360 ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Capital One 360 mobile app

Chase

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Up to 30 checks can be posted during each transaction.
    • Check cashing info: Funds are immediately deposited.
    • Find a Chase ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Chase mobile app

Citibank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified.
    • Check cashing info: Funds are immediately deposited.
    • Find a Citibank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Citibank mobile app

Citizens Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified
    • Check cashing info: Funds are immediately deposited. Funds from check deposits after 10 p.m. are available the next business day.
    • Find a Citizens Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Citizens Bank mobile app

Discover Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified
    • Check cashing info: Funds deposited immediately. Mobile and mail deposits accepted.
    • Find a Discover Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Discover Bank mobile app

Fifth Third Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately. Funds can be deposited by mobile app.
    • Find a Fifth Third Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the Fifth THird Bank mobile app

First National Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified
    • Check cashing info: Funds deposited immediately.
    • Find a First National Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the First National Bank mobile app

HSBC

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified
    • Check cashing info: Funds deposited immediately.
    • Find an HSBC ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the HSBC mobile app

M&T Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified
    • Check cashing info: Funds are immediately deposited.
    • Find an M&T Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the M&T mobile app

SunTrust Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: No limits
    • Check cashing info: Funds immediately deposited. Funds deposited by 9:00 p.m. are posted the same business day. Afterward, funds are posted the next business day.
    • Find a SunTrust Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the SunTrust Bank mobile app

TD Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Up to 30 checks can be deposited during each transaction.
    • Check cashing info: Funds deposited immediately.
    • Find a TD Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the TD Bank mobile app

U.S. Bank

  • ATM
    • Check types accepted: Personal, payroll, government, cashier, and tax
    • Limit amount: Up to 30 checks per transaction.
    • Check cashing info: Funds available immediately.
    • Find a U.S. Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • Learn more about the U.S. Bank mobile app

Wells Fargo Bank

  • ATM
    • Check types: Personal, payroll, government, cashier, and tax
    • Limit amount: Not specified.
    • Check cashing info: Funds deposited immediately.
    • Find a Wells Fargo Bank ATM
  • Mobile App
    • Check types accepted: Personal, business, government/Treasury, and cashier
    • Limit amount: Monthly deposit limit per account; varies
    • Check cashing info: Funds are immediately deposited and usually available the next business day
    • 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 That Cash Checks Late at Night

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: Personal, payroll, government, rebate, tax, and U.S. traveler’s checks
  • Limit amount: Up to $500. Payroll check limit is up to $1,000.
  • Fees: Not specified.
  • Requirements: Valid photo ID
  • Check cashing info: Check issuer’s signature must be handwritten, computer printed, or stamped. Handwritten payroll checks are not accepted.
  • 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: Payroll and government
  • Limit amount: Up to $5,000
  • Fees: $3 for checks up to $2,000 and $5 for checks $2,000.01 to $5,000
  • Requirements: Valid state or government photo ID and Social Security number
  • Check cashing info: Funds available immediately.
  • 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
  • Limit amount: $30 for personal checks and $100 for traveler’s checks. No limit specified for government checks.
  • Fees: Not specified
  • Requirements: Must have a valid Giant Eagle Advantage card
  • Check cashing info: Checks must be endorsed in front of an authorized Giant Eagle employee. Name on the check must match the name on the Giant Eagle Advantage card.
  • 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: Payroll, government, and pension
  • Limit amount: Not specified
  • Fees: Not stated
  • Requirements: Requires proper identification and check cashing application approval
  • Check cashing info: Cashier’s checks, starter checks, money orders, tax checks, two-party and post-dated checks are not accepted.
  • Get more information on Hannaford policies
  • Find a Hannaford location

Kmart

  • Late hours: Varies; most locations open until 10 p.m.
  • Check types: Personal, payroll, government, and tax refund checks
  • Limit amount: Personal checks up to $500
  • Fees: $0 to $1
  • Requirements: Not specified
  • Check cashing info: N/A
  • Get more information on Kmart policies
  • Find a Kmart location

Kroger

  • Late hours: Varies; most locations open until 9 p.m.
  • Check types: Payroll, government, corporate, insurance, and tax refund checks
  • Limit amount: Not specified
  • Fees: $3 or $5
  • Requirements: Not specified
  • Check cashing info: Funds can be loaded directly onto a prepaid reloadable card
  • Get more information on Kroger policies
  • Find a Kroger location

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

Publix

Ralphs

  • Late hours: Varies; most locations open until 12 a.m.
  • Check types: Payroll, government, corporate, insurance, and tax refund checks
  • Limit amount: Not specified
  • Fees: $3 or $5
  • Requirements: Not specified
  • Check cashing info: Not specified
  • 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 and government
  • Limit amount: Varies by location
  • Fees: Varies by location
  • Requirements: You must have a Business and Payroll Cash Checking card; apply for the card at any Shop & Stop
  • Check cashing info: None
  • Get more information on Stop & Shop policies
  • Find a Stop & Shop location

Suggested Article: Stop & Shop Check Cashing: Hours, Types, Fees, Limits, and More

Walmart

  • Late hours: Varies; most locations open until 11 p.m.
  • Check types: Payroll, government, cashier, insurance, 401(k), and Walmart-purchased MoneyGram money orders
  • Limit amount: Varies; some locations cash up to $2,000, and some cash up to $5,000.
  • Fees: $3 for checks up to $1,000, and $6 for checks $1,000.01+
  • Requirements: Valid identification
  • Check cashing info: Funds can be deposited directly onto a Walmart MoneyCard.
  • Get more information on Walmart policies
  • Find a Walmart location

Suggested Article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More

WinCo

  • Late hours: Varies; most locations open 24 hours
  • Check types: Payroll
  • Limit amount: Up to $1,000
  • Fees: $5 for checks up to $500, and $10 for checks up to $1,000
  • Requirements: Valid ID and employment verification required to gain check cashing privileges.
  • Check cashing info: Handwritten payroll checks, two-party loan checks, and checks over 30 days old are not accepted.
  • Get more information on WinCo policies
  • Find a WinCo location

Check Cashing Stores That Cash Checks Late at Night

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.

Check Smart

United Check Cashing

If it’s too late to use one of the late-night locations listed above, don’t worry, you can still cash your check. All you need to do is to visit one of these 24-hour check cashing places near you.

In Summary

Cashing a check late at night is easier than ever. This is thanks to 24-hour bank ATM and mobile deposit services and the wide variety of grocery stores, convenience stores, discount stores, and check cashing companies with evening hours. Be aware of fees associated with cashing checks through stores or checking cashing companies, and remember to bring a valid photo ID along with you. There’s no business that will cash your check without a valid ID.

Suggested Article: Here’s How Long You Have to Cash a Check Before It Expires

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