If you’re wondering whether Family Dollar cashes checks, the answer is
no. Family Dollar does not offer in-store check-cashing services at any of its U.S. locations. That said, the store still sells prepaid cards and money products that can help you access cash through other methods. Here’s exactly what you can and can’t do at Family Dollar in 2025 — plus nearby and online alternatives.
Does Family Dollar Cash Checks?
No. Family Dollar does not cash personal, payroll, or government checks. Unlike Walmart or Kroger, the company doesn’t have a MoneyCenter or financial-service partner for processing paper checks in-store.
What Financial Services Does Family Dollar Offer?
- Prepaid debit cards: Green Dot, Netspend, and Serve cards available at most stores
- Cash reloads: Add money to eligible prepaid cards at checkout
- Bill pay: Select locations offer bill-payment services through MoneyNetwork
- ATM access: Many stores feature Allpoint or Green Dot network ATMs
While you can’t cash a physical check, you can use prepaid cards from Family Dollar to deposit checks digitally through their companion apps.
How to Deposit a Check Using a Prepaid Card from Family Dollar
- 1. Buy or use an existing Green Dot, Netspend, or Serve card.
- 2. Download that card’s official mobile app.
- 3. Open the “Deposit a Check” or “Add Money” option.
- 4. Take clear photos of both sides of the check.
- 5. Endorse with “For mobile deposit only to [Card Name].”
- 6. Choose instant (1–5% fee) or free (7–10 days) deposit.
All three cards use Ingo Money’s secure check-verification system, so you can cash checks through the app even if Family Dollar itself doesn’t handle them in store.
Alternatives to Cashing Checks at Family Dollar
Why Family Dollar Doesn’t Cash Checks
Family Dollar locations don’t maintain the cash reserves or fraud-prevention systems needed for check-cashing operations. The chain focuses on retail sales and basic money products instead of banking-style transactions.
Where to Cash a Check Near a Family Dollar
- Walmart or Kroger: Usually within a few miles of most Family Dollar stores
- ACE Cash Express or CheckSmart: Accept almost all check types, open late
- Local banks or credit unions: Often cash checks for non-customers for a small fee
Final Thoughts
Family Dollar does not cash checks, but you can use prepaid cards sold there to deposit checks through their apps for fast access. If you need immediate cash, try nearby retailers like
Kroger or Walmart, or mobile options like
PayPal and
Venmo. For prepaid solutions, see our
Green Dot and
Netspend guides — both accept mobile check deposits and are available at Family Dollar locations nationwide.