If you’re considering cashing a check at Tops Friendly Markets on a Sunday, you’re not alone. Many shoppers use grocery stores for quick financial services, especially when banks are closed. In this guide, we’ll break down exactly how Tops’ Sunday check cashing works — including hours, fees, limits, ID requirements, and tips to save time.
Sunday Check Cashing at Tops: What You Need to Know
- Yes, Many Locations Offer Sunday Service – Most Tops locations provide check cashing seven days a week. On Sundays, the hours are typically shorter, often ending around 5–6 PM, but some locations may close earlier.
- Hours Can Vary – Hours for check cashing are tied to the customer service desk, not the full store schedule. This means even if the store is open late, check cashing might not be available after the service desk closes.
- Tip – Always call ahead or check your store’s hours online, especially during holidays.
Pro Tip: If you can’t get to Tops before closing, consider 24-hour check cashing alternatives to avoid delays.
Types of Checks Accepted at Tops
While policies can vary by location, most Tops stores accept:
- Payroll checks
- Government-issued checks (e.g., Social Security, tax refunds)
- Tax refund checks
Not accepted: Personal checks and post-dated checks are typically declined.
Transaction Limits – Many Tops locations limit check cashing to between $500 and $1,000 per transaction.
Fees for Cashing Checks at Tops
Expect a small flat fee — typically $1–$3 — which is competitive with other grocery store check cashing services. Fees can vary based on the check amount and location.
What to Bring When Cashing a Check
You’ll need:
- A valid government-issued photo ID – Such as a driver’s license, state ID, or passport.
- Your signed check – Endorse it in front of the cashier.
Finding a Tops Store That Offers Sunday Check Cashing
To confirm your local store’s policy, use the Tops Store Locator. Check for:
- Sunday hours for the customer service desk
- Availability of check cashing at that location
- Contact info to call ahead
Alternatives if Your Tops Is Closed on Sundays
If your nearest Tops location doesn’t offer Sunday check cashing or closes early, you can:
- Visit a dedicated check cashing store
- Try a retail pharmacy that offers check cashing
- Use a mobile check cashing app linked to your bank or prepaid card for faster access
Final Thoughts
Tops can be a reliable Sunday check cashing option, especially for payroll and government-issued checks. However, hours and limits vary, so always confirm with your local store before heading out. Having the right ID and knowing the rules ahead of time can save you unnecessary trips — and ensure you walk away with cash in hand.