The best way to look for stores that cash checks near me are to know the types of stores that offer the service and use Google to check if any are around your location. Also, it is important to always find the check cashing near me open now so that you don’t visit a store that is closed.
Most times, you might not want to visit a physical bank location or make an online mobile deposit to cash a checking app. At this point, you can approach either an eligible gas station, retail store, or convenience store to cash your check.
There are check-cashing stores that you can approach. Some of the stores are 24/7, enabling you to cash checks any time of the day. But most times, these stores charges fee for the cash checking service.
What are the Most Popular Types of Stores that Cash Checks Near Me
Some of the popular stores the cash checks near me include:
1. Check-cashing Stores
There are various check-cashing stores and financial service providers that specialize in cashing checks. Examples include MoneyGram, ACE Cash Express, and Check Into Cash. These types of stores often charge a fee for cashing checks.
2. Retail Stores
Some large retail chains, such as Walmart, offer check-cashing services. These services are usually available at the customer service or financial services desk.
3. Grocery Stores
Some grocery stores also offer check-cashing services, typically at their customer service desk. We will look at the types of grocery stores that cash check, so continue reading to find out.
Grocery Stores That Cash Checks Near Me
There are some grocery stores that cash checks near me. Note that the availability varies in location. Some grocery stores may offer the service at some locations, while others might not.
Grocery stores usually charge a fee for this service, and the type of checks that can be cashed also vary. So it is important to check out the fee and the type of checks that can be cashed before cashing a check at a particular grocery store. Below are some generally known grocery stores offering cash check services.
1. Walmart
Walmart stores are some of the popular grocery stores that cash checks near me that you can check out. They typically offer check-cashing services at their customer service desk.
They cash various checks, including payroll, government, and tax refund checks. For cash checks of up to $1,000, Walmart charges a maximum fee of $4 and a maximum fee of $8 for checks above $1,000.
2. Kroger
Some Kroger grocery stores have a Money Services center where you can check your cash making Kroger the second-best grocery store that cash checks near me. Kroger charges a cash checking fee of $3 to $7.50 per check, depending on whether you have a shopper’s card and the check’s value.
Kroger does not cash personal checks; you can only cash government, tax refunds, cash payroll, insurance settlement, and business checks.
3. Publix
Publix is a supermarket chain that operates in several states. Some Publix stores offer check-cashing services. You can cash government checks, payroll checks, and personal checks.
Because of its large coverage of check Cashing, Publix is absolutely without any doubt one of the top grocery stores that cash checks near me to use for any amount including government, personal, and payroll checks.
4. Winn-Dixie
Winn-Dixie is a regional supermarket chain primarily located in the Southeastern United States. Some Winn-Dixie stores offer check-cashing services, but it varies by location. Most of the locations only cash electronically signed payroll checks of up to $500 for a fee of $3.50
5. Albertsons
Albertsons is one of the most popular grocery stores with multiple branches all over. The availability of cash service varies by location and the types of checks you can cash at Albertsons. Also, the fee charged varies by location.
6. Safeway
There are over 904 Safeway stores around the country. At Safeway, you can cash Social Security benefits, unemployment benefits, payroll, stimulus, government, and tax refund checks at a limit of $1,500. Safeway charges a fee of $2.25 per $200.
7. Food Lion
This is one of the grocery stores where you can cash your checks, such as personal, rebate, tax refund, government, and U.S. Traveler’s checks up to $500. You can cash payroll checks up to $1,000.
8. Giant Eagle
The availability of cash checking services and fees varies across locations. At Giant Eagle, you can cash government, travelers, and personal and payroll checks. Also, you can cash child support checks at no cost. However, you must have a Giant Eagle Advantage card to cash a check at the store.
9. H-E-B
H-E-B is a grocery chain with over 340 stores in Texas and Northeast Mexico. You can use cash checking service to cash dividends, government, insurance, and payroll checks. For checks up to $3000, you will be charged a fee of $3. For larger checks, the fee varies.
10. Smith’s Food and Drug
Smith’s Food and Drugs is a supermarket chain with over 144 retail stores in the United States. You can cash checks such as business, child support, and payroll for a fee between $3 and $7.50.
Does Walmart Cash Checks?
Yes, Walmart offers 24/7 check-cashing services at many of its store locations. They cash various checks, including payroll, government, tax refund, and insurance settlement checks. To cash a check at Walmart, you must present a valid form of identification, such as a driver’s license or state ID.
Walmart charges a maximum fee of $4 for cash checks of up to $1,000 and a maximum fee of $8 for checks above $1,000.
Where Can I Cash a Check For Free?
Finding a place to cash a check for free can be challenging, as many financial institutions and check-cashing services charge fees for their services. However, you can cash a check for free at the bank and credit union, where you are an account holder.
If you have a bank account, your bank may cash your check for free or at a reduced fee. Some banks provide free check cashing services for account holders, especially for government or payroll checks. Also, if you’re a credit union member, they may provide free or low-cost check cashing services.
Additionally, some retail stores, such as Walmart and Kroger, may have special promotions or waive fees for certain types of checks or customers so that you can cash your check at a reduced price.
Check Cashing Online
Check cashing online refers to using mobile banking apps or online platforms to deposit and cash physical checks without visiting a physical bank branch or check-cashing store.
To check your cash online requires you to follow a streamlined process; here are the general steps involved in the process:
- Choose an online platform or mobile banking app: Some banks and financial institutions offer mobile banking apps that allow you to deposit checks remotely. Additionally, there are online check-cashing services available.
- Sign up and provide the necessary information: Create an account with the chosen platform or app. You’ll typically need to provide personal information such as your name, address, and sometimes your Social Security number.
- Verify your identity: The platform may require you to verify your identity by providing a photo of your identity, such as a driver’s license or passport.
- Endorse and photograph the check: Sign the back of the check and use the app or platform’s camera feature to take photos of the front and back of the check.
- Submit the check for processing: Upload the check images through the app or platform, following the instructions.
- Await verification and approval: The app or platform will verify the check’s authenticity and may conduct additional security checks. Depending on the service, this process can take a few minutes to several days.
- Receive funds: Once the check is approved, the funds will typically be deposited into your bank account or made available on a prepaid card associated with the service.
It’s important to note that some online check-cashing services may charge fees for their services, and there may be limits on the check amounts or processing times. Additionally, eligibility criteria and check types accepted may vary by service. So it’s recommended to review the terms and conditions of the specific online check-cashing service or mobile banking app before using it.
Best Check Cashing Online Apps
Several check-cashing online apps are available, each with its features and benefits. Here are some of the best check-cashing apps that you may consider:
1. Ingo Money – Best for Payroll Check Cashing.
Ingo Money is a popular check-cashing app that allows you to deposit checks by photographing them with your smartphone. Funds can be loaded onto a prepaid card, sent to a bank account, or used for bill payments. Ingo Money offers expedited check cashing for a fee or free 10-day processing.
Ingo Money charged $5 or 2% for preprinted government and payroll and government checks and $5 or 5% for other types of checks and money orders.
2. Paypal – Best Alternative to a Traditional Checking Account
PayPal offers a feature called “Cash a Check” within their mobile app. You can take photos of your checks and deposit them into your PayPal Cash Plus account. Once the check is approved, the funds can be used for purchases, transferred to your bank account, or withdrawn from an ATM.
PayPal charges you a 2% fee or a $5 flat fee for preprinted signature payroll and government checks. You can choose the 10-day delayed funding option to escape being charged.
3. Brink’s Money – Best for Transferring Money to Friends and Family Who Use Netspend Accounts
Brink’s Money offers a mobile app to cash checks remotely. You can deposit the funds onto a Brink’s Prepaid Mastercard or transfer them to a linked bank account. The app also offers additional features like budgeting tools and mobile bill pay.
The check-cashing fees are subject to change, and the expedited services range is between 2% to 5% or a $5 flat fee.
When choosing a check-cashing app, consider factors such as fees, processing times, convenience, and additional features offered.
Liquor Stores That Cash Checks
While it’s less common for liquor stores to offer check-cashing services than financial institutions or retail stores, some do.
Remember that even if a liquor store offers check-cashing services, they may have restrictions on the types of checks they cash and may charge fees for the service.
You can cash checks at convenience stores dealing with liquor, such as Walmart, Safeway, Meijer, Kroger, Market Basket, etc.
Examples of local liquor stores that cash checks are as follows:
- Steve’s Discount Liquors: Wilmington, Delaware
- Benny’s Package Store: Atlanta, Georgia.
- Cork’ n Bottle Liquors: Laurel, Maryland.
Convenience Stores that Cash Checks Near Me
Some convenience stores provide cash checking services that vary by location and store policies. To know the convenience stores that cash checks near me, you have to use Google and those near your location will be displayed.
However, a few well-known convenience store chains have been reported to offer check-cashing services at some of their locations. They are as follows:
- 7-Eleven
- Circle K
- Speedway
- Wawa
- QuikTrip
- Sheetz
Conclusion
When cash checking, remember that not all locations within these store chains may offer check-cashing services, and fees are associated with the service. It’s advised to contact specific stores near you to inquire about their check-cashing policies, availability, and any applicable fees or requirements.
