Where to Cash Personal Checks When Banks Are Closed: 21 Options

If you work a nine-to-five job, it can be challenging to get to the bank while it’s still open. Fortunately, there are plenty of places that have hours that extend beyond traditional banking hours, so there’s no need to leave work early or spend your lunch hour at the bank when you need to cash a personal check.

Read on to find out where to cash personal checks when banks are closed, after 5 p.m., on weekends, and even on some holidays.

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Places That Cash Personal Checks When Banks Are Closed

Banks with Extended Hours

Many banks have extended hours on Thursdays and/or Fridays. In some cases, banks may be open on Saturdays. However, bank hours vary between individual locations, so not all branches of a bank with extended hours may be open late or on Saturdays.

The following banks offer extended hours at some of their branch locations. To save yourself a trip, call your nearest bank ahead of time to verify that they have extended hours. Some of these banks will also allow non-account holders to cash checks there, for a fee, provided the personal check is drawn on their bank.

Bank of America

Hours of operation: 9 a.m. – 4 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: $8
Source: Customer service
Find a Bank of America

BB&T

Hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: free for checks $50 or less; $8 for checks more than $50.
Source: Customer service
Find a BB&T

Chase Bank

Hours of operation: 8:30 a.m. – 6 p.m. Monday through Friday; 9 a.m. – 2 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: $8
Source: Customer service
Find a Chase Bank

Citibank

Hours of operation: 8 a.m. – 5 p.m. Monday through Friday; 9 a.m. – 2 p.m. Saturday. A few branches have Sunday hours, as well.
Fees:
- Account holders: free
- Non-account holder: free for Citibank checks up to $5,000. If you don’t have an account with Citibank, the bank may cash non-Citibank checks for a fee at their discretion.
Source: Customer service
Find a Citibank

HSBC

Hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
Fees: No fees, but you must have an account with HSBC to cash a check there.
Source: Customer service
Find an HSBC

KeyBank

Hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: $7
Source: Customer service
Find a KeyBank

M&T Bank

Hours of operation: 9 a.m. – 4 p.m. Monday through Wednesday; 9 a.m. – 5 p.m. Thursday and Friday; 9 a.m. – 12 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: 2% of total check amount (minimum $3)
Source: Customer service
Find an M&T Bank

SunTrust Bank

Hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
Fees:
- Account holder: free
- Non-account holder: 1% to 3% of total check amount; $7 fee for SunTrust checks over $50.
Source: This page of the SunTrust Bank website
Find a SunTrust Bank

TD Bank

Hours of operation: 8 a.m. – 5 p.m. Monday through Wednesday; 8 a.m. – 6 p.m. Thursday and Friday; 9 a.m. – 1 p.m. Saturday, although a few branches are open until 4 p.m. on Saturday
Fees:
- Account holder: free
- Non-account holder: $7
Source: This page of the TD Bank website
Find a TD Bank

Wells Fargo

Hours of operation: 9 a.m. – 5 p.m. Monday through Friday; 9 a.m. – 1 p.m. Saturday, although a few branches are open until 4 p.m. on Saturday
Fees:
- Account holder: free
- Non-account holder: $7.50
Source: Customer service
Find a Wells Fargo

Check Cashing Stores

Most check cashing stores, which typically are open later than banks, will cash personal checks (along with many other types of checks) for a fee. Most don’t limit the amount you can cash and just require a valid photo ID in order for you to cash a personal check. Here’s our list of check cashing stores where you can cash personal checks:

ACE Cash Express

Hours of operation: 9 a.m. – 6 p.m. Monday through Wednesday; 9 a.m. – 7 p.m. Thursday and Friday; 10 a.m. – 5 p.m. Saturday
Fees: Vary by location, check type, and amount
Source: Customer service
Find an ACE Cash Express

Check Into Cash

Hours of operation: 10 a.m. – 6 p.m. Monday through Friday; 10 a.m. – 3 p.m. Saturday
Fees: Vary by location, check type, and amount
Source: Customer service
Find a Check Into Cash location

CheckSmart

Hours of operation: 8 a.m. – 8 p.m. Monday through Saturday; 11 a.m. – 5 p.m. Sunday
Fees: Vary by location, check type, and amount. Fee schedules are posted in the lobby at each store location.
Source: Customer service
Find a CheckSmart

Money Mart

Hours of operation: 8 a.m. – 9 p.m. Monday through Friday; 9 a.m. – 7 p.m. Saturday; 10 a.m. – 5 p.m. Sunday
Fees: Vary by location, check type, and amount
Source: Customer service
Find a Money Mart

PLS Check Cashing

Hours of operation: Most check cashing is available 24 hours (hours may vary by location)
Fees: $1 plus 1% of the total check amount for payroll and government checks up to $1,500. Other fees vary by location, check type, and amount.
Source: This page of the PLS website
Find a PLS Check Cashing

Convenience Stores

There aren’t many gas stations and convenience stores that cash personal checks. However, the following convenience stores offer this service:

Pilot/Flying J Travel Centers

Hours of operation: Most locations open 24 hours
Fees: Checks up to $200 are free with the purchase of a minimum 25 gallons of fuel; fees vary for check cashing without a purchase
Limits: $999.99
Requirements: Must be a Flying J Direct Bill Customer or a member of NATSO (National Association of Truck Stop Operators)
Source: This page of the Pilot/Flying J website
Find a Pilot/Flying J

Road Ranger

Hour of operation: Most locations open 24 hours
Fees: Checks up to $200 are free with the purchase of a minimum 25 gallons of fuel; fees vary for check cashing without a purchase
Limits: $999.99
Requirements: Must be a Flying J Direct Bill Customer or a member of NATSO (National Association of Truck Stop Operators)
Source: This page of the Road Ranger website
Find a Road Ranger

TravelCenters of America

Hours of operation: Most locations open 24 hours
Personal check cashing fees: Free for UltraONE Platinum members; free with minimum qualifying fuel purchase; fees vary for check cashing with no purchase
Limits: $300
Requirements: Valid photo ID
Source: This page of the TravelCenters website
Find a TravelCenters of America

Grocery Stores

Most grocery stores will not cash personal checks. Luckily, there are also several that will!

Giant Eagle

Hours of operation: Most locations are open 6 a.m. to midnight
Fees: None specified
Limits: $30
Requirements for cashing personal checks: Valid photo ID and Giant Eagle Advantage Card with check cashing privileges (requires a waiting period of 48 hours)
Source: This page of the Giant Eagle website
Find a Giant Eagle

Kmart

Hours of operation: 8 a.m. – 10 p.m.
Fees: $1 per check (fee waived in CT, DE, GA, NJ, NV, PA, WA; reduced to $0.50 in RI and IL)
Limit: $500
Requirements: Valid photo ID and must be a Shop Your Way member (free membership)
Source: This page of the Kmart website
Find a Kmart

Publix

Hours of operation: 7 a.m. – 10 p.m.
Fees: None specified
Limit: $75
Requirements: Valid photo ID
Source: This page of the Publix website
Find a Publix

In Summary

Now you know where to cash personal checks when banks are closed. There are plenty of places that will cash your personal check beyond regular banking hours. Options include banks with extended hours, convenience stores, check cashing stores, and grocery stores. When choosing a place to cash your personal check, keep in mind ID requirements and related fees.