24 Hour Check Cashing Near Me (25 Best Places Open Now)

How do I find a 24 hour check cashing near me?

Credit unions and traditional bank lobbies are not open 24 hours a day.  What about people who leave for work before the sunrises or get home after the sunsets?  Check cashing store hours at a typical bank operates between 8 am to 7 pm on weekdays and limited Saturday hours.  

You need to search for 24 hour check cashing near me open late.  The trade-off for late-night banking is you may end up paying a fee for the convenience.

You should have no problem finding the closest check-cashing store in your neighborhood or along your way.  Below are 25 places in the United States and worldwide that offer 24 hour check cashing nearby.

Liquor and Grocery Stores That Cash Checks

There are a few grocery stores that cash personal checks 24 hours a day.  Most grocery stores have a liquor store within.  Generally, the check cashing counter is open for grocery stores open 24 hours.  Most stores will only cash payroll checks, government, cashier’s, and money orders. 

The checks need to with magnetic ink and not handwritten.  Below are six grocery stores that cash checks 24 hours a day.  Plus, we offer a way to cash a personal check with small limits.

1. Walmart Stores

Almost all Walmart locations will have a check cashing financial services counter near the entrance.  The service is performed at the customer service desk or Money Services center.  The check cashing money services counter should be open when the store is open. 

If the counter is closed for some reason, then ask the cashier to cash your check.  However, the cashier may have a lower check cashing limit vs. the service counter.

Walmart charges up to $4 to cash a check-up to $1,000.  Subject to local laws, you will be charged a maximum fee of $8 if over $1,000.  Bring a valid ID.  It will be difficult to find any places that cash checks without ID. 

What type of checks will Walmart cash?

  • Payroll
  • Pre-Printed
  • Government
  • Cashiers
  • Tax
  • 401k and retirement disbursements
  • MoneyGram money order
  • Insurance settlement checks

Does Walmart cash two-party checks?

Walmart will cash two-party personal checks.  The two-party personal checks are limited to $200. 

The Walmart Money Services Center provides the following services:

  • Gift cards: Visa, Mastercard, Amex, Vanilla eGift cards, Apple, Uber, Google Play, Netflix, Domino’s, Facebook, and Xbox.
  • Reloadable Debit Cards: Walmart MoneyCard, Bluebird, NetSpend, American Express Serve, Green Dot, GoBank, and MyVanilla.
  • Walmart Credit Card: Apply for a CapitalOne Walmart card.
  • Money Transfers: Walmart2Walmart Powered by Ria or MoneyGram

2. Winco Foods

WinCo Foods has over 125 stores in the western part of the United States.  They have stores in Teas, Oklahoma, Wyoming, Montana, Arizona, Utah, Idaho, Nevada, Washington, Oregon, and California.  See the Winco store location map here

Nearly all the Winco locations are open 24 hours a day and seven days a week with few exceptions.  

The Winco grocery stores will cash payroll checks for up to $1,000 per person.  They will accept up to two payroll checks within any seven days.  Winco will charge a $5 token for checks of $500 and lower and a $10 token for checks over $500.  Your token can be redeemed with purchases at Winco grocery. 

Winco Foods will require a valid state-issued ID and the ability to verify your employment with your employers the first time you cash a payroll check.  

Winco Food will not cash and accept the following types of checks:

  • Two-party checks
  • Finance loan checks
  • Deposit slips money order
  • Manually written payroll checks
  • Unreadable magnetic ink number
  • Post-dated checks
  • Older than 30 days old
  • Insurance settlement checks

Winco does offer the following financial services:

  • ATM machine near the customer service area will accept Mastercard, Visa, American Express, Cirrus, Plus, Star, Quest, and Novus. 
  • Coinstar machine to exchange your coins for bills
  • Western Union transactions
  • Fax machine services for anywhere within the United States.  Each page sent or received will cost 98 cents.

3. Kroger and Affiliates

Kroger grocery also owns and operates City Market, Fry’s, Owen’s, King Soopers, Fred Meyer, Baker’s, Dillons, Ralphs, Pay Less, Smith’s, Gerbes, and QFC.  Each location has a money services desk for various financial services.  In most cases, check cashing locations are open seven days a week.  Kroger grocery has over 1,950 places in 31 states in the United States, including Alaska.   

The types of checks Kroger’s money services will cash include:

  • Payroll
  • Government
  • Income tax refund checks
  • Insurance settlement
  • Business checks

Know your social security number and bring a current and valid ID, including:

  • Driver’s license
  • Military ID
  • State-issued ID
  • Resident alien ID
  • Matricula consular ID
  • US-issued passport

Kroger check cashing fees start at $3 with a Shopper’s Card up checks up to $2,000.  Fees start at $5.50 for $2,000.01 to $5,000 maximum. 

Kroger money services also offer bill payment, money orders, debit card cashing, Western Union money transfer funds.

Does Kroger cash personal checks?

No, but Kroger will accept personal checks for your groceries.  Overpay for your groceries for an extra $20 with a personal check.  You will then receive $20 in cashback.  

4. Tops Grocery

Tops grocery store has over 170 full-service supermarkets in New York, Vermont, and Pennsylvania. 

Tops is your 24 hour check cashing place for select stores.  Most stores are open from at least 6 am to midnight, while others are open 24 hours.  Use the Tops store locator map to check store hours.

The customer service desk will help cash your check during each store’s open hours.  Tops only charges $1 per check.  With a valid government-issued ID, they will cash only government checks and payroll checks.

For only a $1 fee, Tops grocery will cash a check for up to $500.  It’s one of the smaller limits, but it’s an option if you live in the upper east coast late at night or on a Sunday.

5. Hy-Vee Grocery

In select locations, Hy-Vee offers 24 check cashing during business hours.  Each Hy-Vee store is independently owned and has its own standard check cashing policy. 

Hy-Vee has over 240 grocery stores in eight midwestern states.  Search the Hy-Vee check cashing places that cash personal checks near me locator here

The Hy-Vee general money policies include:

  • Handwritten payroll checks are not accepted
  • Most limits range from $2,000 to $5,000
  • Minimal fees vary
  • In-state ID required

6. Food City Supermarket

Food City grocery has over 120 locations in Georgia, Kentucky, Virginia, and Tennessee.  Though not quite 24 hours a day, they are open from 6 am to 12 am and closed only 6 hours. 

Food City will cash US government payroll, and rebate checks on the stores-approved list.  The paying company must be on a self-imposed approved list.

The grocery store has a $1,000 limit with only a $3 fee per check. 

7. Albertson’s Stores

Albertson stores have 20 well-known brands and operate in 35 states and over 2250 locations. 

Though the policies vary by location, here are the general check cashing policies:

  • $1000 limit
  • Fees vary by location
  • Hours: if the store is not a 24/7 place, then it is usually 7:30 am to 8:30 pm

Go to Albertson’s store locator to find check cashing near me open 24 hours. 

Do grocery stores cash personal checks?

Typically, no grocery store will cash a personal check.  But in many cases, you can pay for your groceries with a personal check and overpay.  Customers have been getting cash back at the register for a long time.

Ask the cashier the overpayment limit when paying with a personal check.  If your groceries are $10.25 and you want $20 back at Kroger.  Write your personal check for $30.25 and get $20 in cash back.

Grocery stores cash personal checks with a purchase but will require a valid government-issued photo ID.  Each grocery store will have different financial policies and limits.

Not all grocery stores that accept personal checks offer cashback.

What grocery stores allow personal checks to get cashback?

  • Kroger
  • Albertsons
  • Meijer
  • Walgreens
  • Walmart
  • Wegmans
  • Winn-Dixie
  • Hannaford
  • Market Basket
  • Giant Eagle
  • Stop & Shop
  • Food Lion
  • Tops Grocery
  • Vons

ATM Check Cashing Place Near Me Open Now

There are check cashing ATM machines on nearly every corner.  Depending on your location, there may be few local grocery stores open 24 hours to provide money services.  Several large national banks offer 24-hour access to their ATM network.

ATM machines are convenient because, in most cases, they are always open 24/7.  They are even open on Saturdays and Sundays.  According to Wikipedia, there are approximately 3mm ATMs throughout the world.

Technically, the check cashing system at ATMs is a two-step process in the eyes of the bank.  You are first depositing the check.  Then you are making a withdrawal for the funds.

It is suggested you have a relationship and an open account with a large national bank ahead of time.  If you don’t have an account with a bank or credit union, then you will likely incur fees and may be unable to complete your transaction.  The bank or credit union is essentially making a good-faith cash advance, especially if your account funds are running low.  The bank must then collect the funds from the payees’ bank and hope the check does not bounce.

Make sure the specific check-cashing machines you plan to use accepts deposits.  On rare occasions, an older ATM machine will not accept deposits.  ATM machines with checks scanners are more likely to grant you access to your desired funds immediately. 

You should easily find a bank or find local ATM corner stores that cash checks at night or weekends given there are nearly 500,000 ATM in the US alone. 

How long does it take for a check to deposit through ATM?

The factors include:

  • Check size
  • Issuers bank – is it your bank or another bank
  • Age of bank account

The fund could be available instantly to two weeks, depending on these factors.

Below is a list of eleven ATM check cashing places near me open now. 

8. Bank of America

Bank of America has locations over the entire world.  They have over 4,500 banking centers and almost 16,000 ATMs. 

Check deposits made on a regular business day by 8 pm will post and be available the same day.  

The check must be printed with magnetic ink and not from a home or small office printer.  Anything other magnetic ink can be processed within the bank at a teller. 

Most BOA ATMs will limit you to 10 check deposits per day.  Only Bank of America checking and savings customers can make deposits at the bank ATM network. 

9. Chase

Chase has more than 5,300 bank branches and around 15,500 ATMs nationwide.  Find a Chase ATM nearby

Depending on the type of check and your account settings, you may be able to withdraw or write a check against deposited funds immediately.  Chase allows you to deposit up to 30 checks and cash.

Chase will cash the following types of checks:

  • Personal
  • Payroll
  • Government
  • Tax
  • Cashier’s

10. Wells Fargo

Wells Fargo has over 8,050 bank branches and 13,000 ATMs worldwide. According to the FDIC, Wells Fargo had the most ATMs in the United States, as of June 30, 2018.

The funds will generally be available the same business day if you deposit before the cut-off time.  If it’s after the cut-off time or non-business day, then the check cashing ATM machine funds should be available the next business day. 

Wells Fargo will customers can deposit the following type of checks for cash:

  • Personal checks
  • Payrolls checks
  • Government checks
  • Cashier’s check

A Wells Fargo ATM will let you deposit up to 30 checks or 50 bills in a single deposit. 

11. U.S. Bank

U.S. Bank has over 3100 branches in 40 states with over 4,800 ATMs. 

U.S. Bank customers can deposit the following types of checks at branches for free:

  • Payroll
  • Government
  • Personal
  • Third-party
  • Cashier’s check

They will typically make $200 available for the check cashing ATM machine and mobile check deposits.  The rest of the funds should be available the next business day. 

12. Citibank

Citibank has about 2500 branches worldwide.  The bank has more than 2,400 ATMs at over 700 US branches and an additional 60,000 ATM in its network.  Citibank offers 24-hour ATM access to all 700 ATMs in the US. 

Citibank will cash the following:

  • Payroll checks
  • Personal checks
  • Government checks
  • Cashier’s check
  • Some third-party checks

Citibank allows non-customers to cash checks from customers accounts for a maximum of $5,000.  Customers and non-customers will need to present an acceptable photo ID deemed by the bank and potentially a second form of ID too.

Non-customers are allowed to cash a check for up to $500 for non-Citibank accounts.

13. TD Bank

TD Bank has nearly 1,300 branch locations along the east coast. 

TD Bank will allow account holders to cash the following:

  • Payroll check
  • Government check
  • Other select cases

Checks cashed at one of TD Bank’s 24 hour ATMs will be allowed access to the first $100 immediately if you’ve had the account open for 90 days or more.  The rest of the funds will be available the next business day if made before 8 pm.

14. SunTrust Bank

SunTrust Bank has over 1,400 branches in 12 states with over 2,000 ATMs in the US.  Branches are primarily in the southeast, including Alabama, Arkansas, District of Columbia, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. 

SunTrust customers can use the ATMs to cash government checks and payroll checks. 

15. Capital One

Capital One 360 has access to over 39,000 Capital One and AllPoint ATMs.  With over 750 branches, Capital One is ranked the 10h largest bank in the US by assets as of March 2019. 

Capital One doesn’t charge a non-customer fee for cashing one of its own checks.  Most other banks charge a few to non-customers.  Non-customers will need to show two forms of government-issued IDs.

16. Citizens Bank

Citizens Bank has over 3,100 ATMs and 1,200 branches across 11 states. They have offices in New Jersey, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, and Vermont.

Check cashing ATM funds will be available the next business day, whether you are a Citizen Bank customer or non-customer.

They have convenient locations for check cashing on Broadway in New York to vacation spots in Rhode Island or South Carolina. 

17. M&T Bank

M&T Bank has over 775 bank branches in the upper-northeastern seaboard of the US. 

M&T Bank customers can cash payroll and government checks at their ATMs.  The company charges 2% of the check amount with a $3 minimum. 

18. Fifth Third Bank

Fifth Third bank has over 1,100 branches and over 2,400 ATM in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, and West Virginia.

Fund availability and fees will depend on the number of qualifying transactions over the life of your Fifth Third account.  Fifth Third will charge 2% for all accounts wanting “Immediate Funds” Service.  See Fifth Third’s check cashing policy and pricing here.

Closest Check Cashing Store Open 24 Hours

There are hundreds of check cashing stores.

Below are three check cashing stores that have multiple locations open 24 hours a day.

19. PLS 24/7 Financial Services

PLS 24/7 Financial Services and check cashing offers money transfers, check cashing, and other financial services at over 300 locations. 

PLS check cashing near me in 12 states including:

  • Arizona
  • California
  • Illinois
  • Indiana
  • Kentucky
  • Massachusetts
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Texas
  • Wisconsin

PLS will cash checks, including:

  • Personal check cashing
  • Paychecks
  • Out-of-state checks
  • Government checks

PLS money orders, recurring in-state payroll checks, and government benefits checks incur a fee of 1% +$1.  Personal checks will cost 2.25% at each of their locations.

Additional services include:

  • Free Money Orders – no charge to purchase a money order but 25 cents service fee to complete the payee or remitter field
  • Western Union money transfers
  • Auto title loans – up to $4,000
  • Single payment loans – up to $1,000
  • Installment loans – up to $5,000
  • Car title registration and renewals
  • Automobile title transfers
  • Buy car stickers
  • Parking ticket payments
  • Prepaid phones
  • Cash tax refund checks

20. Speedy Cash 

Speedy Cash is a 24 hour check cashing place that will accept nearly any type of check.  They have a Trustpilot score of 4.6, with 6,654 reviews.

The types of checks include:

  • Payroll
  • Unemployment
  • Government
  • Benefit
  • Tax refunds
  • Bank drafts
  • Money orders
  • Settlements
  • Bonus checks

They will cash a check for as low as $2.  Rates will vary by market applicable to your state.  Click here for the nearest 24 hour check cashing near me open now. Not all Speedy locations are open 24 hours.

Simply bring your check and a valid ID. 

Speedy Cash offers a variety of financial services, including payday loans, installment loans, title loans, and lines of credit.

21. Community Financial Service Centers

Community Financial Service Centers has over 200 locations in the continental USA.  Not all CFSC stores are 24 hour check cashing store locations. 

With no bank account, you can cash different types of checks, including:

  • Payroll check cashing
  • Government
  • Social security
  • Unemployment checks
  • Veteran’s benefit
  • Income tax refund check
  • Settlement check
  • Insurance check

Check cashing fees and limits vary by location. 

What documents will you need to cash a check at CFSC? 

You will need to provide the following information:

  • Documented photo ID (Government-issued photo ID, passport, driver’s license, official foreign country photo ID, student photo ID, work photo ID, office state photo ID, and potential other photo IDs)
  • Full name
  • Address
  • Phone number
  • Social security number

Unlike a traditional bank, you will not need to wait for the funds to clear and no monthly maintenance fee.

All CFSC places are open on Saturdays.  You will also see that on the Community Financial Service Centers site map that it has many check cashing places near me open on Sunday. 

Additional services CFSC offers includes:

  • Money Orders – purchase or cash a money order.  Bring a proper photo ID
  • Money transfers – send money out of the country or send money to someone at a correctional facility.  Bring the correctional facility name or code, inmate account number, and complete name. 
  • Prepaid debit cards – you can purchase a debit Mastercard or Visa debit card.  CFSC will issue you a temporary prepaid debit card then you will receive a permanent card by mail within 7-10 business days.
  • Bill payment – most bills are received either the same day or next day payment.  The fees range from free to a convenience fee.  Call or visit your local store for a fee schedule.
  • Gift cards – they will payout cash for unwanted gift cards, including retail, financial, and online.
  • Foreign Currency Exchange – offers competitive exchange rate conversion for more than 80 currencies.  The daily rates are posted at each location and stay the same throughout the day.
  • Bitcoin Service – You can easily buy Bitcoin at select CSFC locations
  • Lottery Services – Most locations sell Lotto, Take Five, Win 4, Quick Draw, Pick 10, Numbers, Power Ball, Mega Millions, Cash4Life, Sweet Million, and scratch-off instant lottery games.
  • Coin Counting Service – Most CFSC locations can count and exchange your coins in seconds.  
  • Automobile Services – Select locations offer license plate renewals, title transfers, tag sticker updates, and vehicle tagging.  At some locations, you can avoid the Motor Vehicle Registration office and renew your license at CSFC.  You will save yourself a ton of time. 
  • ATM – Most locations offer ATM services and open 24 hours a day. 
  • Prepaid Cellular Phone Service – With no contract, you can purchase prepaid minutes upfront and use them when needed on your cell phone.
  • Business Check Cashing – With proper verification and identification, in most cases, you can cash a business check and walk out the same day with cash
  • Installment Loans – you will repay the loan over a fixed number of payments
  • Business Funding – You can get some money against your receivables

Gas Stations That Cash Checks

It’s difficult to find out what gas stations cash checks. 

A gas station is the most convenient place to cash a check since you likely get gas one to two times a week.  Cashing a check at a gas station is difficult since most of its customers are transient and not a regular.

A couple of the gas stations that cash checks below are ideal for truck drivers who are on the road, and a traditional bank or credit union is not convenient.  They are looking out of state for check cashing places near me open on Sunday or late at night. 

Below you will find three gas stations that cash checks at night or day at hundreds of locations across the US and Canada. 

22. Dillons

Dillons has 93 grocery stores and 24 gas stations.  You will need to go into the Dillons supermarket next to the 24 fuel centers to cash a check.

Dillons will cash the following types of checks:

  • Payroll
  • Income tax refund
  • Government
  • Business
  • Insurance settlement

Check cashing fees start at $3 and up with a $5,000 limit.  Unfortunately, they cannot process handwritten personal checks.   Search for a Dillons grocery nearby for local hours. 

23. Pilot Flying J

Pilot Flying J has over 750 locations throughout the United States.  Its travel centers and gas stations are located in 44 states and six Canadian provinces. 

Pilot Flying J check cashing services are available 24 hours a day at all locations.  Its locations are convenient for people who frequently travel out of state by truck, RV, or automobile.

Customers can cash a check-up to $999.99 for a small fee.  Flying J will cash a check for up to $200 for free if you buy at least 25 gallons of gas within two hours.  Each location will need to verify your identification and check authenticity.  

Pilot Flying J will cash checks from Pilot Flying J Direct Bill, billing companies, and members of NATSO.  NATSO stands for the National Association of Truck Stop Operators.  They are the professional association for travel plaza and the truckstop industry. 

Pilot Flying J other financial services offered:

  • Western Union Direct Connect Service – available at select locations
  • Coin Exchange – they will exchange coins to dollar bills for 9% at select locations
  • 24 Hour ATM Machines – withdraw up to $300 in cash

24. TravelCenters of America

TravelCenters of America has over 270 gas stations in 43 states and 1 Canadian province. 

Customers can get free check cashing up to $300 in one of three ways:

  • 60 or more gallons of diesel fuel
  • $50 or more in non-fuel merchandise
  • $250 or more in truck repair or service

See TA’s check cashing policy here.

Convenience Stores That Cash Checks

Corner stores that cash checks are not very common. 

25. 7-Eleven

Large convenience store, 711 check cashing system, offers a non-traditional check cashing option.  You must join the 7-Eleven’s Transact prepaid Mastercard to service your needs.  See 711 check cashing alternative financial service here

Some locations have a kiosk to offer a check cashing system for the convenience store.

FAQs

Can you cash a check at any credit union or bank?

In most cases, either you or the payee must be a member of the credit union or bank.  You will need to meet one or more of the following:

  • Check is written to or from an account holder
  • Enough funds to cover the amount
  • Valid photo identification
  • Check is not older than six months

Best place to cash a personal check?

Grocery stores are the best late-night place to cash a personal check.  The limits tend to range from $20-$40, but some go as high as $100.  Find your closest grocery store to see their limits.

How do I find a business check cashing near me?

Most of the locations listed above will accept a business check vs. a personal check.  A business check is easier to verify and likely printed using magnetic ink.

Places to cash checks without ID?

It is challenging to find places that cash checks without an ID.

Here are ways to deposit a check without an ID:

  • Use ATM check cashing if it’s available at your bank
  • Deposit at your local bank branch where you have an account
  • Sign the check over to someone else to deposit then pay you back

What’s the fee to cash a check?

You should expect to pay a fee for each check unless it’s a traditional bank, and you are a customer.  Even in some cases, traditional banks and credit unions will also charge you a fee.

Most Check cashing places will charge you a percentage of the cash you want to receive. 

Please leave comments below. Share any additional locations we missed.

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