Many people wonder if retail superstores like Target cash personal or payroll checks. As of now, Target does not offer a standard check-cashing service at register or customer service counters. That means you can’t count on Target to cash your check — and it’s best to plan ahead. Below is what you should know and where to go instead if you need check-cashing services.
Does Target Cash Checks?
No — Target does not provide check-cashing services in-store. There is no known nationwide policy for cashing checks at Target locations, and any past references to check cashing at Target are outdated or unconfirmed.
Why Target Isn’t a Good Option for Cashing Checks
- Target does not have a register or money-services desk dedicated to check-cashing.
- Most checks — payroll, government, tax-refund, or personal — will be declined if you attempt to cash them.
- Target sometimes partners with payment or reload services (gift-card reloads, prepaid card top-ups), but these do not support check-cashing.
Where to Cash a Check Instead of Target
If you need to cash a check, these places reliably offer check-cashing services or acceptable alternatives:
- Kroger & affiliated grocery stores — Good nationwide coverage and predictable policies.
- Meijer — Known for consistent check-cashing at Customer Service desks.
- Walgreens — Some locations cash payroll or government checks (availability varies).
- Full list of stores that cash checks — Browse our directory for the nearest option.
- Prepaid debit cards that accept check deposits — Useful if you don’t have a bank account.
- Check-cashing apps or mobile deposit services (PayPal, Venmo, bank apps)
Tips Before You Use Any Retailer for Check Cashing
- Always call ahead to confirm check-cashing availability — not just store hours.
- Bring a valid government-issued photo ID matching the name on the check.
- Ensure the check is pre-printed and properly made out to you, not altered or damaged.
- Have a backup plan (like a prepaid card or app) in case the store won’t cash your check.
Frequently Asked Questions
Does Target ever cash checks?
Not under any known nationwide policy. Target does not offer check-cashing services at register or customer service.
Can I load a prepaid card at Target instead?
Target may support gift-card or prepaid-card reloads or top-ups, but that is not the same as cashing a check. The funds must already be in cash or value form.
Where else can I cash a check instead of Target?
Use a grocery store like Kroger or Meijer, a pharmacy like Walgreens, or explore mobile/prepaid-card deposit options. See our full store directory.