If you need to cash a check fast and do not have a bank account, many national and regional stores offer quick, affordable check-cashing services. This guide lists the major retailers, grocery stores, and pharmacies that cash checks, along with typical fees, limits, ID requirements, and what types of checks each store usually accepts.
Use this list to compare your options and find the most convenient place to cash a check near you.
Major National Stores That Cash Checks
The stores below offer some of the most consistent check-cashing policies nationwide. Many locations provide extended hours and predictable fees. Click any store for detailed policies, hours, fees, and limits.
- Kroger Family of Stores – Includes King Soopers, Fry’s, Smith’s, Ralphs, and more. Accepts most non-personal checks with competitive fees.
- Meijer – Offers payroll and government check cashing with fast processing at customer service desks.
- Publix – Popular in the Southeast. Accepts payroll and government checks.
- Albertsons Companies Stores – Includes Albertsons, Safeway, Vons, and Jewel-Osco. Policies vary by brand and location.
- CVS – Select stores cash payroll and government checks.
- Walgreens – Limited availability; some locations cash payroll and government checks.
- Dollar General – Some stores offer check cashing through kiosks or third-party processors.
- Family Dollar – Availability varies; some stores use check-cashing partners.
- Target – Limited check-cashing options; some locations accept certain payroll or government checks.
Regional Grocery Stores That Cash Checks
Many regional grocery stores also offer check-cashing services. Fees and limits vary by location, and some stores use TeleCheck or Certegy for verification. Click a store below for details.
Types of Checks Stores Usually Cash
- Payroll checks
- Government checks (Social Security, tax refunds, benefits)
- Tax refund checks
- Cashier’s checks
- Certified checks
- Insurance settlement checks
- Money orders (varies by location)
Most stores do not cash handwritten personal checks or third-party checks. Limits and acceptance rules vary by location.
What You Need to Bring
- A valid government photo ID (driver’s license, state ID, passport)
- An endorsed check (sign it at the store)
- A phone number or verification information if required by TeleCheck or Certegy
Typical Fees and Check-Cashing Limits
Fees vary by store, type of check, and region. These are the most common ranges:
- Payroll and government checks: $3 to $8
- Money orders: $1 to $6
- Check amount limits: Usually $500 to $5,000 depending on store
Alternatives to Cashing a Check at a Store
- Mobile check deposit through a banking app
- Prepaid cards that accept check deposits
- Cashing a check at the issuing bank
- Check-cashing apps like Ingo Money or PayPal
These options may offer lower fees or faster access to your money depending on the check type.
Frequently Asked Questions About Stores That Cash Checks
These common questions and answers can help you decide where and how to cash your next check.
Which stores cash checks?
Many major grocery stores, retail chains, and pharmacies cash checks. Common examples include Kroger family stores, Meijer, Publix, Albertsons-owned stores such as Safeway and Vons, CVS, Walgreens, Dollar General, Family Dollar, and several regional supermarkets. Availability, fees, and limits can vary by location.
Can I cash a check at a store without a bank account?
Yes. One of the biggest advantages of store check-cashing services is that you do not need a traditional bank account. As long as you bring acceptable ID, your check qualifies, and you meet the store’s limits and verification rules, you can usually cash a check and receive cash or load the funds onto a card.
What types of checks do stores usually accept?
Most stores that cash checks accept payroll checks, government benefit checks, tax refund checks, and some cashier’s or certified checks. Some locations also cash insurance settlement checks or certain money orders. Personal checks, handwritten checks, and third-party checks are often not accepted.
What do I need to bring to cash a check at a store?
You typically need a valid government-issued photo ID, such as a driver’s license, state ID, or passport. The check must be made out to you and not be altered or damaged. Some stores may also ask for a phone number or enroll you in a check-verification system before approving the transaction.
How much are check-cashing fees at stores?
Store check-cashing fees vary, but many retailers charge a small flat fee or a percentage of the check amount. Payroll and government checks often cost around $3 to $8 to cash, while money orders may cost $1 to $6. Exact fees depend on the store, the type of check, and the check amount.
Are there limits on how much I can cash at a store?
Yes. Most stores that cash checks have maximum limits per check and sometimes per day. Many grocery and retail chains set limits in the range of $500 to $5,000, depending on the store and the type of check. Some locations may have lower limits for first-time customers or certain check types.
What are alternatives to cashing a check at a store?
Alternatives include mobile check deposit through a bank or credit union app, depositing the check to a prepaid debit card that accepts check deposits, cashing the check at the issuing bank, or using check-cashing apps and services that deposit funds to a card or account. These options can sometimes offer lower fees or more flexible limits than in-store check cashing.
Final Thoughts
Cashing a check at a store can be fast, reliable, and convenient, especially if you do not have a bank account. National chains like Kroger, Meijer, Publix, and major pharmacies often provide predictable service, while regional supermarkets can also be excellent options. Always compare fees, limits, and accepted check types before choosing where to go.