30+ Gas stations that cash checks (Open near me)

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Gas stations can be a lifesaver for cashing checks, especially if you need access outside regular banking hours. While digital payments are increasingly common, checks are still used in some industries and situations.

Finding a convenient cashing location is crucial for those who receive a paycheck or other important documents via check. Banks typically have limited hours, which can be problematic if your payday falls on a weekend or holiday. On the other hand, gas stations often operate 24/7, offering much greater flexibility.

The benefit extends beyond checks. Many gas stations also offer money order cashing and cashback services, making them a one-stop shop for various financial needs. So, if you need quick access to cash, consider your local gas station—it might just have you covered.

Do gas stations cash checks?

While it’s not a universal service, some gas stations and convenience stores offer check cashing. However, it’s important to be aware of limitations and have realistic expectations.

Be prepared that many gas stations simply won’t cash checks. This is due to the increased risk of fraud compared to other forms of payment.

However, there are some exceptions. Gas stations that are part of a larger convenience store chain, especially those attached to grocery stores, are more likely to offer check cashing. But even then, the service might not be available directly at the gas pump. You may need to go inside the store to a designated counter.

The best approach is to call your local gas station beforehand. Briefly explain your situation and inquire about check cashing services. This will save you time and avoid a potential trip wasted.

Remember that most gas stations will only accept certain types of checks. Cashier’s and payroll checks are generally more accepted due to lower fraud risk. Personal checks, unfortunately, are often declined due to the higher potential for scams.

Type of checks

In the world of check cashing, you’ll encounter various types of checks. Here’s a breakdown of some common checks:

• Payroll checks: These are your most reliable bet. They’re directly tied to your employer’s account, so most check cashing services accept them without hassle.
• Government checks: These include tax refund checks, social security checks, and unemployment checks. Gas stations may or may not accept them, so call ahead to confirm. Most stations generally accept these due to their reliability.
• Insurance checks: These are issued by insurance companies for settlements or claims. Acceptance varies by gas station, so it’s best to give a quick call.
• Cashier’s checks: These are bank-guaranteed funds. Since the bank backs them, most check-cashing locations readily accept them.
• Money orders: Similar to cashier’s checks, money orders are pre-paid and act like cash. They’re secure and widely accepted.
• Third-party checks: These are written by someone else, so verification can take longer, and fees might be higher due to the increased risk.
• Starter checks: Issued to new account holders, these often have cashing limitations. Check with the service beforehand.
• Traveler’s checks: These are useful for safe travel. They come in set amounts and require ID verification for cashing. Not all check cashing services handle them.

Not every location accepts every type of check. Call ahead or ask directly to avoid any surprises when you show up to cash your check.

What gas stations can cash checks?

While not all gas stations offer check cashing, some major chains do. However, it’s crucial to understand that the types of checks accepted can vary significantly.

Here are some gas station chains that are more likely to cash checks:

1. 76

While 76 is a well-known gas station chain, check-cashing isn’t offered at every location. It’s best to call your nearest 76 station directly to confirm if they can handle check cashing. This quick call will save you a trip in case check cashing isn’t available there.

2. 7-Eleven

While 7-Eleven is a convenient option with over 9,500 locations nationwide, not all stores offer check cashing services.

They utilize a program named Transact, which allows you to convert your payroll check into funds loaded onto a reloadable debit card, rather than receiving straight cash. This method works for various check types.

A major advantage is 7-Eleven’s extended hours, meaning you can cash checks whenever you need them, 24/7. Since check cashing isn’t available at every location, you should call your nearest 7-Eleven to confirm their policy before heading over.

3. Albertson’s

Albertsons can be a convenient option for cashing checks, with over 2,200 locations across the U.S. However, it’s important to be aware of their check-cashing policy.

The limit is $1,000 per check, and the fees for cashing a check can vary depending on the store location. To ensure a smooth experience, call your nearest Albertsons to confirm the check cashing limit and fee before heading over.

4. Casey’s General Stores

Casey’s General Stores, a chain with over 2,100 locations in the Midwest and Southern United States, offers check cashing services at some but not all of its stores.

However, its policy typically restricts check cashing to local checks, meaning those drawn on a bank within the same county. To avoid an unnecessary trip, call your nearest Casey’s to confirm its check-cashing policy.

5. Chevron

With its vast network of over 8,000 Chevron and Texaco stations across the U.S., Chevron might seem like a convenient option for cashing a check.

However, it’s important to remember that these stations can be franchised or company-owned, and check cashing policies differ. To avoid a wasted trip, it’s best to call your nearest Chevron directly and inquire about their check-cashing policy.

6. Citgo

With over 5,000 locations in 30 states, Citgo offers check cashing services, but not at every store. Their policy varies by location. To ensure a smooth experience, call your nearest Citgo station to confirm their check-cashing policy before heading over.

This quick call will save you a trip in case check cashing isn’t available at that location.

7. Conoco

With its 2,000 locations nationwide, Conoco might appear to be a good option for cashing your check. However, check cashing services aren’t available at every Conoco station. It’s always best to call your closest Conoco to confirm their policy before you make a trip to avoid a wasted journey.

8. Dillons

Dillons offers check cashing services at 94 locations, making them a convenient option. However, remember that you’ll need to enter the store to complete the transaction.

One of the benefits of using Dillons for check cashing is their high limit of $5,000, which is among the highest on this list. Be aware that fees start at $3. Importantly, Dillons does not cash personal checks. They are happy to accept other types of checks, including payroll, tax refund, insurance settlement, government, and business checks.

9. ExxonMobil

ExxonMobil, a gas station giant with over 12,000 locations nationwide, offers check cashing services, but not at every store. To avoid an unnecessary trip, call your nearest ExxonMobil station to confirm their policy before heading over.

10. Food City

Food City can be an option for cashing various check types, including payroll, rebate, stimulus, and government checks. They have over 132 locations in Alabama, Georgia, Kentucky, Tennessee, and Virginia.

While their stores maintain flexible hours, they are not open 24/7. Be aware of the $1,000 check cashing limit and $3 fee associated with the service. Since check cashing availability can vary, it’s recommended that you call your nearest Food City to confirm their policy before heading over.

11. Fred Meyer

Fred Meyer, a grocery store chain with over 130 locations in the Pacific Northwest and Alaska, California, Idaho, and Oregon, offers check cashing services. This can be a convenient option if you need to cash a check while shopping for groceries.

Their $5,000 check cashing limit is among the highest on this list, making them a good choice for larger checks. The service has a $3 fee. Be sure to bring a valid ID when you cash a check at Fred Meyer.

12. GetGo

GetGo, a convenience store chain operated by Giant Eagle with over 260 locations in Indiana, Maryland, Ohio, Pennsylvania, and West Virginia, offers check cashing services.

While this might be convenient, especially for personal checks that most gas stations wouldn’t accept, be aware of their $30 fee. GetGo will also factor in your check cashing history before approving your request. On the other hand, they do cash other check types, including payroll, stimulus, and government checks, without a fee. And there’s no charge for cashing child support checks either.

While GetGo offers check cashing for a wider variety of checks than most gas stations, its fees can be high, so it’s best to compare your options before going there.

13. Hy-Vee

While Hy-Vee, a grocery store chain with over 240 locations in the Midwest, offers check cashing services, it’s important to know this service isn’t available at every store. Their policy varies by location. To avoid an unnecessary trip, use Hy-Vee’s store locator on their website to find a store near you that cashes checks.

Be prepared for variations in check cashing limits and fees. Limits can range from $2,000 to $5,000, and fees can vary between $2 and $6 per transaction, depending on the specific store you visit. Before heading over, it’s best to call your chosen Hy-Vee location directly to confirm their check cashing policy and current rates.

14. King Soopers

King Soopers, a grocery store chain with 118 locations primarily in Colorado and a few in Wyoming, can be a convenient option for cashing certain checks, but be aware of their limitations. Since Kroger operates King Soopers, their check-cashing policy follows Kroger’s guidelines.

They do not cash personal checks but will accept other types, such as government-issued checks and stimulus checks. This can be helpful if you need to cash a check while grocery shopping. Remember to bring a valid ID when cashing a check at King Soopers.

15. Kroger

Kroger, a major grocery store chain with over 2,800 locations across 35 states, offers check cashing services. While convenient, it’s important to understand their limitations before heading over.

They won’t cash starter checks, third-party checks, or personal checks. However, you can cash various other checks, including payroll, insurance settlements, government checks, tax refunds, business checks, and stimulus checks.

Be aware of their tiered fee structure. The fee starts at $3 for checks up to $2,000 and increases to $5.50 for checks between $2,000.01 and $5,000. To ensure a smooth experience, call your nearest Kroger location to confirm their check cashing policy and current rates before heading over.

16. Love’s Travel Stops

While Love’s Travel Stops, a nationwide chain with over 550 locations, offers convenient gas and travel essentials for truckers and motorists, their check-cashing services have specific limitations.

Most importantly, Love’s Travel Stops does not cash personal checks. Their check cashing service is designed for professional truck drivers and caters mainly to trucker payroll checks, such as TCheks and COMcheks. This makes them a niche service provider, but one that effectively serves their target audience.

Since check cashing policies vary by location, it’s always a good idea to call your nearest Love’s Travel Stop to confirm their specific policy before heading over.

17. Meijer

While Meijer, a Midwestern grocery store chain with gas stations at most locations, offers check cashing services, it’s important to know where to complete the transaction. Meijer itself doesn’t cash checks at their checkout lanes or service desks.

The good news is that most Meijer locations have Meijer Credit Union branches located inside the store. These bank branches are equipped to handle check cashing. Since check cashing policies vary by location, it’s always a good idea to call your nearest Meijer store to confirm their specific policy and current rates before heading over. This quick call will save you a trip if the in-store credit union isn’t available or doesn’t cash checks.

18. Phillips 66

While Phillips 66 boasts a large network of gas stations, check cashing isn’t available at every location. To avoid an unnecessary trip, call your nearest Phillips 66 station to confirm their check-cashing policy before you head over. This quick call will save you time and ensure a smooth experience.

19. Pilot Flying J

Pilot Flying J, a popular travel center chain with over 750 locations in 40+ states, can be a convenient option for cashing checks, especially if you need 24/7 service. They do have a few key things to remember:

• There’s a standard check cashing limit of $1,000.
• Fees can vary depending on the specific Pilot Flying J location.
• They offer a perk for fueling customers: if you pump at least 25 gallons of gas, you can cash a check up to $200 for free within two hours of fueling at that same location.

To ensure a smooth experience, it’s always recommended to call your nearest Pilot Flying J to confirm their current check cashing limit, fees, and promotion details before heading over.

20. Ralphs

Ralphs, a Kroger subsidiary with 189 stores in Southern California, offers check cashing services but with limitations. Similar to Kroger’s policy, they don’t accept personal checks. However, you can cash various other check types, including business, child support, government, tax refund, and stimulus checks.

Remember, fees apply and can vary depending on the check amount. To ensure a smooth experience, call your nearest Ralphs location to confirm their current check cashing policy, fees, and valid ID requirements before heading over.

21. Road Ranger

Road Ranger, a chain of over 40 convenience and travel centers across the Midwest (Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin), offers check cashing services around the clock, making them a convenient option for travelers. Here’s a breakdown of their policy:

• 24/7 check cashing: Get checks cashed anytime, day or night.
• Limits and fees: Non-fueling customers can cash checks up to $999.99 for a fee. If you gas up at least 25 gallons, you can cash a check up to $200 for free within two hours of fueling at that same location.

While Road Ranger offers various services like laundry, money transfers, ATMs, and lottery, their check cashing policy is particularly noteworthy for those on the go.

22. Safeway

Safeway, a grocery store chain with over 904 locations nationwide, can be an option for cashing certain types of checks. However, it’s important to understand their policy before heading over. Not all Safeway locations offer check cashing services. It’s always best to call your nearest store to confirm.

If they do cash checks, they typically accept payroll, stimulus, government, Social Security benefits, unemployment benefits, and tax refund checks. Be aware of their $1,500 check cashing limit and tiered fee structure. They charge $2.25 for every $200 cashed. So, a $1,000 check would incur a $11.25 fee. Remember to bring a valid ID when cashing a check at Safeway.

23. Shell

With its vast network of over 25,000 gas stations nationwide, Shell might seem like a convenient location to cash a check. However, it’s important to remember that these stations can be independently owned or franchised by the company.

This means check cashing services aren’t available at every Shell location, and the policies can vary. To avoid a wasted trip, it’s always best to call your nearest Shell station directly to confirm their specific check-cashing policy before heading over.

24. Sinclair

Sinclair, a gas station chain with over 2,600 locations in the Western and Midwestern U.S., offers check cashing services, but not at every store.

Their policy varies by location. To avoid an unnecessary trip, call your nearest Sinclair station to confirm their check-cashing policy before heading over. This quick call will save you time and ensure a smooth experience.

25. Stop & Shop

Stop & Shop, a grocery store chain with over 400 locations in the Northeast (New York, New England, and New Jersey), offers check cashing services, but with a twist. Here’s what you need to know:

• Membership required: Before you can cash a check, you’ll need to be a Stop & Shop store member. Membership is free and can be obtained online or in-store.
• Approval process: Once you’re a member, there’s an additional step – you need to apply and be approved for their check cashing service, which can take a few weeks.
• Fees: There’s a fee associated with check cashing, $0.50 for checks up to $500.
• Limited check types: They only cash payroll and government checks, not personal checks.
• Cashback option: Stop & Shop also offers cash back on personal checks, with varying limits. New customers can get up to $50 cash back on a personal check, and existing customers can request up to $100. There’s no limit to the number of checks you can use for cashback.

Stop & Shop’s check cashing process involves extra steps compared to other retailers. This might not be the most convenient option if you need to cash a check quickly.

However, their cashback option can be a useful alternative, especially for new customers. Be sure to call your nearest Stop & Shop to confirm their current check cashing policy and any changes to their cashback program.

26. Sunoco

Sunoco, a gas station chain with over 5,000 locations in 30+ states, might seem convenient for cashing a check. However, it’s crucial to remember these stations are often independently owned.

This means check cashing services aren’t available at every Sunoco, and their policies can vary greatly. Each owner sets their check cashing policy, including whether they accept personal checks.

To ensure a smooth experience, avoid an unnecessary trip, and get the most accurate information, call your nearest Sunoco station to confirm their specific check cashing policy before heading over.

27. Tops Friendly Markets

Tops Friendly Markets, a grocery store chain with 160 locations (including franchised stores) in New York, Pennsylvania, and Vermont, offers check cashing services at most locations. This can be a convenient option, especially if you need to cash a check and don’t have a bank account.

Most Tops Friendly Markets locations offer check cashing services, but it’s always a good idea to call ahead to confirm, especially if it’s not near your usual route. While some locations offer financial services 24/7, grocery store hours typically run from 6 am to midnight.

Tops Friendly Markets cashes payroll, government, and stimulus checks. It does not cash personal checks. The check cashing limit is $500, and a flat fee of $1 is charged.

You’ll need to go inside the store to cash a check, even if there’s a gas station attached. Remember to bring a valid ID when cashing a check at Tops Friendly Markets.

28. TravelCenters of America

Truck drivers can turn to TravelCenters of America for check cashing services similar to Pilot Flying J’s.

TravelCenters of America primarily cashes payroll checks directed to National Association of Truck Stop Operators (NATSO) or company-approved accounts. This caters specifically to the needs of truck drivers. The standard check cashing limit is $300, and there’s a fixed fee associated with the service.

If you make a qualifying purchase simultaneously, such as fueling your truck, getting a repair service, or buying merchandise, they will waive the check cashing fee. Call your nearest TravelCenters of America location beforehand to confirm their current check cashing limits, fees, and accepted purchase requirements to waive the fee.

29. Walmart

Walmart, a national retail giant with over 4,700 stores, offers check cashing services in addition to its vast product selection. This can be a convenient option if you need to cash a check while you shop.

Walmart cashes various checks, including payroll, government (stimulus, tax refund), cashier’s checks, 401k and retirement distributions, insurance settlements, and even two-party personal checks (up to $200). Be sure to check with your local store for their specific policy on two-party checks, as some locations may not accept them.

The maximum check cashing limit is $5,000. They have a tiered fee structure: $4 for checks up to $1,000 and $8 for checks between $1,001 and $5,000.

Walmart also offers money order services, allowing you to cash or purchase money orders while you’re there.

30. WinCo Foods

WinCo Foods, a grocery store chain with over 130 locations in the West and Southwest (Arizona, California, Idaho, Montana, Nevada, Oklahoma, Oregon, Texas, Utah, and Washington), offers check cashing services. This can be a convenient option, especially since their stores operate 24/7.

They cash checks up to $1,000 with a tiered fee structure. Checks up to $500 incur a $5 fee, and checks over $500 incur a $10 fee. Customers are also limited to cashing two checks within a 7-day period.

While WinCo cashes a variety of checks, some restrictions apply. Here’s a breakdown of what they typically accept:

• Two-party checks (up to $200): Call your local store to confirm their specific policy on two-party checks, as some locations may not accept them.
• Insurance settlement checks
• Manually written payroll checks
• Finance loan checks
• Deposit slip money orders

31. Winn-Dixie

Winn-Dixie, a grocery store chain with over 500 locations in the Southeastern U.S., offers limited check cashing services. While this might be convenient if you need to cash a specific check while shopping, their restrictions are important to consider.

Winn-Dixie only cashes electronically signed payroll checks. They do not accept starter checks, money orders, third-party checks, cashier’s, traveler’s, insurance, government, or handwritten payroll checks.

The maximum check amount they’ll cash is $500, and there’s a $3.50 fee associated with the service. The minimum withdrawal amount is $4.

If you’re unsure whether Winn-Dixie will cash your check, call your nearest location to confirm their current policy before heading over.

Gas stations that don’t cash checks

While many gas stations offer the convenience of check cashing, it’s important to know that some popular chains do not. Here’s a list of gas station chains that typically do not cash checks:

• ARCO/ampm
• BP
• Circle K
• Corner Store
• Costco Gas Stations
• Kum & Go
• Kwik Trip/Kwik Star
• Murphy USA/Murphy Express
• QuikTrip
• RaceTrac
• Sam’s Club Gas
• Sheetz
• Speedway
• Valero
• Wawa

What do you need to cash a check?

Proper identification is crucial when cashing a check. Most check-cashing locations require one to two forms of ID, with at least one being a government-issued photo ID. This typically includes a driver’s license, passport, or state-issued ID card. A government-issued photo ID is the most universally accepted form of identification for check cashing. If you have one, this is the best option to bring.

While many locations require similar IDs, policies can vary. To avoid surprises, call your chosen check cashing location beforehand to confirm their specific ID requirements (type and number of IDs needed). This will save you time and ensure a smooth experience.

Do gas stations offer 24-hour check cashing?

While some gas stations offer check cashing, it’s important to understand it’s not a universal service and rarely available 24/7. Here’s a breakdown to consider:

Not all gas stations offer check cashing services. It’s more common at gas stations attached to convenience stores, travel centers, or grocery stores. Even at locations that cash checks, 24/7 service is uncommon. Most gas stations have regular operating hours, typically 6 am to midnight.

A few exceptions exist, such as gas stations or attached stores offering 24/7 check cashing. These include Pilot Flying J, Road Ranger, Tops Friendly Markets (some locations with 24-hour financial services), and WinCo Foods (all locations open 24/7).

Call your nearest gas station or check their website before confirming their check cashing policy and hours of operation. This will help you avoid an unnecessary trip.

Are there gas stations that cash checks without an ID?

Cashing a check at a gas station without an ID is uncommon and depends on the store’s policy. Here’s what you need to know:

While some gas stations, like Dillons and possibly some 7-Elevens, might cash checks without ID, it’s not a widespread practice. Most gas stations require some form of identification to cash a check.

If you don’t have an ID or prefer not to use one, consider using your bank’s mobile app (if available). Many banks offer check deposit functionality through their apps, allowing you to deposit checks remotely using your phone’s camera. Essentially, you can “cash” your check electronically.

Here are some examples of banks with mobile apps that allow check deposits: Chase, Wells Fargo, First Midwest, Bank of America, Santander, and US Bank.

Using your bank’s mobile app:

1. Download the app: If your bank offers a mobile app with check deposit, download it from the app store.
2. Follow deposit instructions: Each bank app has specific instructions for endorsing and depositing checks. Follow your bank’s instructions carefully to ensure a smooth deposit.
3. Sign up for online banking: This feature is usually required for mobile check deposit. If you haven’t already, sign up for online banking through your bank’s website or app.

• Third-party apps: Ingo Money as an option If your bank doesn’t offer a check deposit app, consider using Ingo Money (available for Android and iOS). Ingo Money allows you to cash various check types (paychecks, personal checks, business checks) for a fee. You can get the money instantly for a fee or wait ten days for a free deposit.

The bottom line

Gas stations can be a convenient option for cashing your check, especially with their extended hours compared to banks. This is helpful if you work late or receive your paycheck on weekends. However, it’s important to be aware of their limitations.

Many gas stations have check cashing limits, sometimes as low as $300. Additionally, most will require you to show ID to process the transaction. This ID can be either primary, like a driver’s license or secondary, like a social security card.

If you don’t have proper identification, consider using your bank’s mobile app or a service like Ingo Money to deposit your check electronically. Due to their convenience, mobile deposits are a great option for everyone, not just those without ID. You can deposit your check from the comfort of your home at any time of day.

Be aware that gas stations located within grocery stores might not offer check cashing at the pumps themselves. You may need to go inside the store to utilize this service. To avoid wasting a trip, call the specific gas station you plan to visit beforehand and inquire about their check cashing services and limits. This way, you’ll be prepared and can choose the best location for your needs.