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When you need to cash a check at night or outside of regular business hours, traditional bank and credit union lobbies may not be open to assist you. In such situations, 24-hour or late-night check cashing services can be extremely helpful.
Fortunately, several establishments offer 24-hour check-cashing services nearby. It’s always beneficial to know the locations that provide this service, especially when you need to cash a check during unconventional hours.
Looking for 24-hour check cashing options near you?
You can find 24-hour check cashing services at ATMs from major banks such as Bank of America and Wells Fargo. Additionally, select locations of grocery stores like Walmart and Kroger, gas stations, convenience stores, and travel centers such as Pilot Flying J and 7-Eleven also offer 24-hour check cashing services. Furthermore, dedicated check-cashing stores like PLS Cashing and Speedy Cash may provide 24-hour services at certain locations.
For a comprehensive list of places offering 24-hour check cashing, continue reading below. I will cover various locations where you can conveniently cash a check at any time of the day.
Bank ATMs with 24-hour check cashing
When you need to access cash from a check, you can conveniently do so at many bank ATMs. It’s important to note that when you use an ATM to “cash” a check, you deposit the check into your account and then withdraw the funds. This process achieves the same result as cashing the check directly, as you receive the cash from the deposited check.
You can find check-cashing ATMs at numerous locations, especially those operated by large national banks that offer 24-hour access to their ATM network. However, verifying that the ATM you plan to use accepts deposits is crucial, as some older ATMs may not support this feature. For immediate access to your funds, look for ATMs equipped with check scanners, which are more likely to provide instant availability of your deposited funds.
To use an ATM for check cashing, you usually need to have an account with the bank that owns the ATM. If you don’t have an account with a bank or credit union, you may face fees and be unable to complete your transaction.
While some banks may allow non-customers to deposit checks at ATMs, this is not common. If you don’t have an account at one of these banks, consider checking other locations, such as grocery stores or gas stations. ATMs are convenient as they are often available 24/7, including on weekends.
If you’re specifically looking for banks that offer 24-hour check cashing services, here are some options:
1. Bank of America
Bank of America offers the convenience of access to 17,000 ATMs nationwide. With this widespread network, it’s highly probable that you have a Bank of America ATM near your location, providing you with the convenience of depositing checks.
You can deposit most checks as long as they are printed with magnetic ink, excluding those printed on a home printer. Additionally, you can deposit up to 10 checks per day using Bank of America ATMs.
2. Capital One
Capital One is proud to offer access to over 70,000 ATMs, ensuring convenient 24-hour check cashing for our customers. With a Capital One 360 account, you can easily cash personal, payroll, government, tax, and cashier’s checks. This feature provides flexibility and accessibility for all your banking needs.
3. Chase
Chase Bank operates a vast network of 16,000 ATMs throughout the United States. At Chase ATMs, customers have the convenience of cashing various types of checks, including personal checks, payroll checks, government checks, tax refund checks, cashier’s checks, and stimulus checks.
Additionally, customers have the flexibility to deposit up to 30 checks per day at Chase ATMs.
4. Citibank
Citibank operates an extensive network of over 2,300 ATMs across more than 600 branches in the United States. Additionally, customers have access to a vast network of 60,000 surcharge-free ATMs. Citibank ATMs offer the convenience of cashing various types of checks, including payroll, personal, government, stimulus, cashier’s, and certain third-party checks.
Non-customers can cash checks from Citibank customers’ accounts for a maximum of $5,000. Additionally, non-customers can cash a check for up to $500 from non-Citibank accounts. Both customers and non-customers will need to present a valid photo ID and possibly a second form of identification.
5. Citizens Bank
Citizens Bank provides access to over 2,700 ATMs, allowing you to conveniently deposit or withdraw funds. Additionally, you can use these ATMs to cash various types of checks, such as personal, payroll, government, tax, and cashier’s checks. This provides flexibility and convenience for managing your finances.
6. Fifth Third Bank
Fifth Third Bank offers the convenience of accessing more than 50,000 fee-free ATMs nationwide through the Allpoint, Presto!, and 7-Eleven networks. With the Easy Deposit feature, you can deposit checks 24/7 at hundreds of ATM locations.
To find an Easy Deposit ATM near you, visit the company’s branch and ATM locator and click “Advanced Filters.” Then, select “ATM Accepts Deposits” to find the nearest ATM that offers this feature.
7. M&T Bank
M&T Bank operates a network of over 1,600 ATMs, providing convenient access for its customers. These ATMs also allow customers to cash payroll and government checks, adding extra convenience for those who bank with M&T.
8. TD Bank
TD Bank operates a network of 700 ATMs where you can conveniently cash various types of checks, including payroll, government-issued, stimulus, and other select checks.
9. US Bank
US Bank operates a network of 4,700 ATMs where customers can conveniently deposit various types of checks, including payroll, government, stimulus, personal, third-party, and cashier’s checks.
10. Wells Fargo
Wells Fargo provides convenient access to 13,000 ATMs nationwide. Customers can easily deposit various types of checks for cash at Wells Fargo ATMs, including personal checks, payroll checks, government checks, stimulus checks, and cashier’s checks.
Customers can deposit up to 30 checks daily at a Wells Fargo ATM, offering a convenient and efficient banking experience.
Grocery stores with 24-hour check cashing
Some grocery stores offer the convenience of check cashing services 24 hours a day, providing an alternative for those unable to visit traditional banks during regular hours.
While personal checks may not be cashed at grocery stores, other types can typically be. The check cashing counter at grocery stores is often available around the clock for added convenience.
When it comes to cashing checks, it’s important to note that checks with a magnetic link can usually be cashed, while handwritten checks may not be accepted. Additionally, when cashing a check at a grocery store, it’s typically required to present a valid ID, so it’s essential to ensure you have the necessary documentation.
I’ve also compiled a list of grocery stores that provide 24-hour check cashing services and some that stay open late even if they are not open 24 hours.
11. Albertson’s
Albertson’s operates a vast network of over 2,200 stores throughout the United States. While not all these stores are open 24 hours, many maintain flexible operating hours, typically from 6 a.m. to 11 p.m. It’s recommended that you verify the specific opening hours of your local store.
Additionally, Albertson’s provides check-cashing services with a $1,000 limit, and fees for this service can vary depending on location.
12. Food City
Food City is a well-established supermarket chain with a widespread presence across over 132 locations. The store offers check cashing services for various types of checks, such as payroll, rebate, stimulus, and government checks.
Customers can conveniently cash checks at Food City, with a cashing limit of $1,000 and a nominal $3 fee. Additionally, the supermarket provides flexibility in its operating hours, with many stores open from 6 a.m. until midnight, allowing customers to access its services conveniently.
13. Hy-Vee
Hy-Vee, a chain of over 240 retail stores, provides check cashing services at select locations. Since each Hy-Vee store is independently owned, the availability of check cashing services varies. While not all stores offer this service, many of them do.
The operating hours of Hy-Vee stores also vary by location. Some Hy-Vee stores are open 24 hours, making 24-hour check cashing services available. Other locations may have extended hours, typically from 5 a.m. until midnight, to accommodate customers who need to cash checks outside of regular business hours.
In certain locations, Hy-Vee provides the convenience of 24-hour check-cashing services. It’s advisable to check the operating hours of your nearby store. Feel free to contact your local store to inquire about their check cashing services, including the types of checks they accept, associated fees, and the identification documents required.
14. Kroger and its subsidiaries
The Kroger Company, headquartered in Cincinnati, Ohio, is a retail giant that operates Kroger-branded stores and owns diverse subsidiaries. As the largest supermarket chain in the United States, Kroger boasts a massive network of 2,900 locations nationwide.
These locations encompass various retail establishments, from traditional supermarkets to convenient neighborhood stores. Some of the well-known chains under the Kroger umbrella include Baker’s, City Market, Dillons, Food 4 Less, Foods Co, Fred Meyer, Fry’s, Gerbes, Jay C Food Store, King Soopers, Kroger, Mariano’s, Metro Market, Pay-Less Super Markets, Pick ‘n Save, QFC, Ralphs, Ruler, and Smith’s Food and Drug.
Kroger and its affiliated stores offer a convenient Money Services center at over 2,000 locations, where customers can easily cash various types of checks. These include payroll checks, government checks, tax refund checks, insurance checks made out to an individual, and business checks. However, it’s important to note that Money Services does not accept personal checks, starter checks, or third-party checks.
Please take note of the following information about cashing a check at Kroger:
If you have a Shopper’s Card, the fee for cashing checks up to $2,000 is $3. For checks between $2,000.01 and $5,000, the fee with a Shopper’s Card is $5.50.
Kroger’s Money Services is open seven days a week but not 24 hours. You can visit Money Services to cash checks from 8 a.m. until 8 p.m.; they also remain open during most holidays.
15. Tops Friendly Markets
Tops Friendly Markets is a well-established chain of 160 full-service supermarkets, including five operated by franchisees under the Tops banner and 59 fuel stations.
At Tops Friendly Markets, customers can cash checks at select locations. Some offer financial services 24 hours a day, while others are open from 6 a.m. to midnight. It’s advisable to check with your local store to confirm its specific opening hours.
16. Walmart
Walmart offers a 24-hour check cashing service, but it’s important to note that this service is only available at locations open 24/7.
Most Walmart stores have a Money Center where you can cash checks and access other financial services such as money orders and money transfers. This is a convenient option for those who need to handle financial transactions outside traditional banking hours. Check the opening hours of your specific Walmart store to see when this service is available.
Walmart offers check cashing services for a fee. For checks up to $1,000, the fee is up to $4. For checks over $1,000, the maximum fee is $8.
You can cash various types of checks at Walmart, including payroll, pre-printed, government, stimulus, cashier’s, tax refund, 401k and retirement disbursements, and insurance settlement checks.
17. WinCo Foods
WinCo Foods offers check cashing services at some locations, and some stores are open 24 hours a day. It’s advisable to check the operating hours of your local store.
You can cash payroll checks at WinCo. A $5 fee applies for checks valued up to $500, and a $10 fee applies for checks worth $500 to $1,000. It’s important to know that WinCo does not accept certain types of checks, such as two-party and insurance settlement checks.
If you’re unsure whether your local store will accept a specific type of check, it’s best to contact them directly to inquire.
Convenience stores & gas stations with 24-hour check-cashing
Some gas stations and convenience store chains provide convenient 24-hour check cashing services. This means you can access your cash anytime, day or night.
If you prefer to avoid the lengthy lines commonly found at grocery stores, gas stations and convenience stores can offer a quicker alternative.
Below is a list of fuel centers and gas stations that offer check cashing services for your convenience.
18. 7-Eleven
7-Eleven, the popular convenience store chain, boasts an extensive network of over 9,500 locations across the United States. Within these stores, customers have the convenience of cashing checks through a program known as Transact. This innovative service allows individuals to load the funds from a check onto a debit card, providing flexibility and easy access to their money.
Transact accommodates various types of checks, and check cashing services are available at 7-Eleven locations 24 hours a day, seven days a week.
19. Pilot Flying J
Pilot Flying J operates approximately 750 travel centers in over 40 states in the United States. One of its services is a 24-hour, 7-day-a-week check cashing service.
Customers can cash checks up to $1,000, with fees varying by location. Additionally, if a customer purchases a minimum of 25 gallons of fuel, they can cash a check up to $200 for free at the same location within two hours of fueling.
20. Road Ranger
Road Ranger operates over 40 convenient travel centers across Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin.
At all Road Ranger locations, customers have access to check cashing services 24 hours a day. Both fueling and non-fueling patrons can cash a check for amounts up to $999.99, with a fee applicable.
Additionally, customers who fuel a minimum of 25 gallons can cash a check up to $200 free of charge at the same location within 2 hours of fueling. Furthermore, Road Ranger offers the convenience of 24-hour ATMs at all their locations.
21. TravelCenters of America
TravelCenters of America operates a vast network of over 260 locations across the United States. Each location is open 24 hours a day, ensuring accessibility for travelers at any time. Like Pilot Flying J, many of TravelCenters of America’s locations are strategically positioned near major expressways, making them popular among truck drivers and other transportation professionals.
At TravelCenters of America locations, you can find a variety of amenities, including a convenience store and a gas station. Additionally, these locations offer check cashing services for payroll checks to NATSO and company-approved accounts. There is a fixed fee with a $300 limit for check cashing, but if you make a qualifying purchase, such as fuel, repair services, or merchandise, the check can be cashed for free with no additional fees.
24-Hour check cashing stores
You can also cash a check at a check cashing store, which often offers around-the-clock service. These stores typically accept various types of checks, but keep in mind that there is usually a fee associated with this service. The fees can vary, so it’s a good idea to contact the store in advance to understand the specific charges for cashing your check type.
When visiting check cashing stores, it’s important to note that in addition to check cashing services, they may also offer other financial services such as payday loans (which should be avoided whenever possible), installment loans, and money transfer services.
Below, I’ve compiled a list of financial service companies that provide check-cashing facilities. Some of these stores operate 24 hours a day at all locations, while others have select hours open 24 hours. It’s advisable to verify the specific opening hours of your local store.
The following are some examples of 24-hour check-cashing stores:
22. Advance Financial
Advance Financial operates over 100 stores across Tennessee, providing convenient financial services to its customers. Some of these locations are open 24 hours a day, offering the flexibility to cash checks anytime. It’s advisable to check with your local store for their specific opening hours.
Advance Financial offers check cashing services for various types of checks, including payroll, insurance, cashier’s, government, and personal checks. The fees for check cashing range from 1% to 5% of the check amount for most types, except for personal checks, which incur a 10% fee.
23. Community Financial Service Centers
Community Financial Service Centers (CFSC) offer check cashing services for various types of check types, including payroll, government, stimulus, Social Security, SSI, unemployment, veteran’s benefit, and income tax refund checks. Not all CFSC stores provide 24-hour check cashing, so you should check with your nearest store for their opening hours.
Additionally, check cashing fees and limits can vary by location, so you should inquire about these details at the specific CFSC location where you plan to cash your check.
24. Pay-O-Matic
Pay-O-Matic, a financial services company, operates 140 stores in the New York Metropolitan Area. These stores are strategically situated in the Bronx, Brooklyn, Manhattan, Queens, Long Island, and the wider NYC area.
Certain Pay-O-Matic locations offer round-the-clock service, providing added convenience to customers. Additionally, customers should be aware that fees amount to 2.27% of the total check value.
Pay-O-Matic is a convenient option for cashing checks, as it accepts most types, whether printed or handwritten. Some checks that can be cashed at Pay-O-Matic include payroll, government, tax refunds, insurance settlement, money orders, lawyer, and union checks.
However, it’s important to note that Pay-O-Matic does not cash personal checks.
25. PLS Check Cashing
PLS Check Cashing operates 200 locations across 12 states, ensuring widespread accessibility for customers. The 24-hour, 7-day-a-week operating schedule provides unparalleled convenience.
At PLS Check Cashing, customers can easily cash various types of checks, including paychecks, personal checks, government checks, tax refund checks, stimulus checks, business checks, and out-of-state checks.
The fee structure for cashing checks starts at $1 plus 1% of the check amount, offering transparent and competitive pricing. Customers are required to present a valid photo ID for check cashing services.
26. Speedy Cash
Speedy Cash operates 160 locations across the United States, providing various financial services. Among the services offered, Speedy Cash cashes various types of checks, including 401K and IRA checks, benefit checks, cashier’s checks, government checks, insurance checks, payroll checks, personal checks, stimulus checks, tax refunds, and unemployment checks.
The fees for cashing checks start at $2. Not all Speedy Cash locations are open 24 hours a day, so it’s advisable to check the opening hours of your nearest store before visiting.
27. United Check Cashing
United Check Cashing offers a wide range of check-cashing services at many locations, some of which are open 24 hours a day.
You can visit United Check Cashing to cash various types of checks, including payroll, government and benefits, insurance, business and commercial, tax refunds, and rebate checks.
Check cashing requirements
When visiting a check-cashing location, it’s important to ensure you have a valid form of identification, such as a driver’s license, passport, resident alien ID, military ID, tribal national or reservation ID, or state-issued ID. Additionally, don’t forget to bring the check and your Social Security or taxpayer identification number.
Remember that most locations will only cash certain types of checks they can immediately verify, such as government checks, bank or cashier’s checks, or money orders. While some locations may cash personal checks, be prepared for the possibility that they may hold the funds for several days before paying them out to you to ensure the check clears.
When considering cashing a check, it’s important to know the associated fees. The check size may determine the fee amount in some cases, while in others, it may be based on the type of check. For example, cashing a $1,200 tax refund check might incur lower fees compared to cashing a $100 personal check due to the reduced risk of the tax refund check bouncing. Therefore, when comparing prices, it’s essential to evaluate the pricing for the specific type of check you intend to cash.
Can I cash a check at Walgreens?
In my research for this post, I encountered numerous inquiries regarding the possibility of cashing checks at specific stores and 24-hour pharmacies such as Walgreens. Previously, Walgreens offered check cashing services, but as of 2015, they have discontinued this service.
Similarly, Dollar General does not provide check cashing services, although it does accept checks as a form of payment for purchases at its stores.
The bottom line
In instances when you find yourself needing to cash a check outside the standard operating hours of banks, it’s helpful to be aware of the numerous establishments near you that provide 24-hour check-cashing services.
Feel free to explore the options outlined in our comprehensive list and access the cash you require at your convenience.