That’s where 24 or late night check cashing places become handy. I personally have had to cash checks late at night because I needed cash for the next day. Thankfully there are quite a few places that provide 24-hour check cashing near me. This is awesome because it means that if I need cash late at night or early in the morning, I can get it without having to wait around for the place to open.
If you need to cash a check at an odd hour, then it’s good to know which places provide 24-hour check cashing services.
Short answer: ATMs from banks like the Bank of America and Wells Fargo offer 24-hour check cashing. Other places that provide 24-hour check cashing at select locations include grocery stores like Walmart and Kroger, gas stations, convenience stores, and travel centers, like Pilot Flying J and 7-Eleven, and check cashing stores like PLS Cashing and Speedy cash.
For more places that provide 24-hour check cashing, make sure you read the rest of the post!
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Below, I’ll cover places where you can cash a check 24 hours a day.
Table of Contents
Bank ATMs with 24-Hour Check Cashing
Checks can be cashed at many bank ATMs. Technically, you’re not “cashing” the check. Instead, you are depositing the check and then withdrawing the funds. But, the outcome is the same since you get the cash from the check.
There are check cashing ATMs on nearly every corner. Several large national banks provide 24-hour access to their ATM network.
Make sure the specific check-cashing machine you plan to use does accept deposits. Although it’s rare, some older ATMs may not accept deposits. ATMs that have check scanners are more likely to give you access to your funds immediately.
You will need to be an account holder at the bank that owns the ATM. If you don’t have an account with a bank or credit union, you will likely incur fees, and be unable to complete your transaction.
Some banks may allow non-customers to deposit checks at ATMs, but most don’t. If you don’t have a bank account at one of these banks, then try one of the other sections on the list, like grocery stores or gas stations.
ATM machines are a great option because, in most cases, they are open 24/7, even on the weekends.
Here are some banks that offer 24-hour check cashing:
1. Bank of America
Bank of America has 17,000 ATMs! So, it’s likely that you have one near you where you can deposit a check.
You can deposit most checks as long as they’re printed with magnetic ink, so not on a home printer. You can deposit up to 10 checks per day.
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2. Capital One
Capital One has more than 70,000 ATMs! So, it’s likely that you have an ATM near you that offers 24-hour check cashing. Capital One 360 account holders can cash personal, payroll, government, tax, and cashier’s checks.
3. Chase
Chase has 16,000 ATMs across the country. At Chase ATMs, you can cash a variety of different checks such as:
- Personal checks
- Payroll checks
- Government checks
- Tax
- Cashier’s checks
- Stimulus checks
You can deposit up to 30 checks per day.
4. Citibank
Citibank has more than 2,300 ATMs in over 600 branches in the U.S., and 60,000 other surcharge-free ATMs in its network.
At Citibank ATMs, you can cash different types of checks, such as:
- Payroll checks
- Personal checks
- Government checks
- Stimulus checks
- Cashier’s checks
- Some third-party checks
Citibank actually allows non-customers to cash checks from customers’ accounts for a maximum of $5,000. Non-customers are allowed to cash a check for up to $500 for non-Citibank accounts.
Customers and non-customers will have to provide an acceptable photo ID and maybe a second form of ID too.
5. Citizens Bank
There are more than 2,700 Citizens Bank ATMs.
You can cash a variety of different check types, including personal, payroll, government, tax, and cashier’s checks.
6. Fifth Third Bank
Fifth Third Bank is part of the Allpoint, Presto!, and 7-Eleven network of ATMs, which features more than 50,000 fee free ATMs nationwide. With Easy Deposit, you can deposit checks 24/7.
Easy Deposit is available at hundreds of ATM locations. To find an Easy Deposit ATM near you, you can go to the company’s branch and ATM locator (linked in the section heading above), and click on “Advanced Filters.” Then, select “ATM Accepts Deposits.”
7. M&T Bank
M&T Bank has more than 1,600 ATMs. Customers can cash payroll and government checks at M&T bank ATMs.
8. TD Bank
TD Bank has 700 ATMs.
You can cash checks, including:
- Payroll checks
- Government checks
- Stimulus checks
- Other select checks
9. US Bank
US Bank has 4,700 ATMs.
You can deposit a variety of checks there, such as:
- Payroll checks
- Government checks
- Stimulus checks
- Personal checks
- Third-party checks
- Cashier’s checks
10. Wells Fargo
Wells Fargo has 13,000 ATMs. You can deposit a variety of checks for cash at Wells Fargo ATMs, including:
- Personal checks
- Payroll checks
- Government checks
- Stimulus checks
- Cashier’s checks
You can deposit up to 30 checks a day at a Wells Fargo ATM.
Grocery Stores with 24-Hour Check Cashing
Some grocery stores will allow you to cash checks 24 hours a day. So, if traditional banking hours don’t work for you, then you can instead head on over to your local grocery store.
Generally speaking, grocery stores don’t usually cash personal checks. But you can cash other types of checks at the grocery store.
Generally, the check cashing counter is open for grocery stores open 24 hours.
Checks you can cash are those with a magnetic link and not those that are handwritten.
You will also usually need a valid ID to cash a check at a grocery store, so make sure you bring the right documentation with you.
Below, I have included some grocery stores that offer 24-hour check cashing and a few that are not open 24 hours but do stay open late.
11. Albertson’s
There are more than 2,200 Albertson’s stores across the United States.
Although Albertson’s stores aren’t open 24-hours, many stores are open from 6 a.m. to 11 p.m. So, many stores have pretty flexible opening hours. Check with your local store to learn what its opening hours are.
Albertson’s check-cashing service has a $1,000 limit, and fees vary by location.
12. Food City
Food City is a supermarket chain with more than 132 locations. It will cash lots of different types of checks, including:
- Payroll checks
- Rebate checks
- Stimulus checks
- Government checks
Its check cashing limit is $1,000 with a $3 fee. Although Food City stores aren’t open 24/7, they do have flexible hours. Many stores are open from 6 a.m. until midnight. So, if you need to cash a check late at night or early in the morning, then you can do that.
13. Hy-Vee
Hy-Vee operates more than 240 retail stores. Since each Hy-Vee store is independently owned, there is no standard check cashing policy and not all stores offer a check cashing service. Some stores do though.
Many Hy-Vee stores offer check cashing in-store. Hy-Vee opening hours vary from store to store though. Some stores are open 24-hours, and therefore they offer 24-hour check cashing services. Other stores may not be open 24-hours, but many are open late, like from 5 a.m. until midnight.
So, in select locations, Hy-Vee offers 24-hour check cashing.
Check to see what the opening hours are for your local store. Give your local store a call to see if it offers check cashing and what types of checks it accepts, and to learn about the cost of cashing a check and the ID required.
14. Kroger and its subsidiaries
The Kroger Company operates Kroger stores and lots of other subsidiaries. It’s the largest grocery chain in America. Currently, it operates a total of 2,900 locations in the United States.
The company operates a variety of different retail establishments from supermarkets to convenience stores. Its different chains 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
- Smith’s Food and Drug
Kroger locations and some of its subsidiaries have a Money Services center where you can cash checks.
You can find Money Services in more than 2,000 Kroger and other Kroger brand stores
At Money Services, you can cash the following types of checks:
- Payroll checks
- Government checks
- Tax refund checks
- Insurance checks made payable to one person
- Business checks
Money Services does not accept personal checks, starter checks, or third-party checks.
Here are the fees for cashing a check at Kroger:
- Fees start at $3 with a Shopper’s Card for checks up to $2,000.
- Fees, with a Shopper’s Card, for checks between $2,000.01 and $5,000 are $5.50.
Money Services are open 7 days a week. But, they are not open 24-hours. I have included them anyway because check cashing is available pretty late. You can cash checks at Money Services from 8 a.m. until 8 pm. Money Services are even open during most holidays. These opening hours are much longer than those you’d find at most bank branches.
15. Tops Friendly Markets
Tops Friendly Markets operates 160 full-service supermarkets, which includes five operated by franchisees under the Tops banner, along with 59 fuel stations.
You can cash checks at Tops Friendly Markets, with some locations providing financial services 24 hours and others being open from 6 a.m. to midnight.
Check with your local store to see its opening hours.
16. Walmart
If you’ve ever wondered, “Can you cash checks at Walmart at night?“, you’d be happy to know that Walmart indeed has 24 hours check cashing available. Obviously this service is only available at locations that are open 24 hours a day. Check to see your store’s opening hours.
Almost all Walmart locations have a Money Center where you can cash checks, and access other financial services, money orders and money transfers.
Walmart charges up to $4 to cash a check up to $1,000. If the check is over $1,000, then you will be charged a maximum fee of $8.
You can cash a variety of different checks at Walmart, including:
- Payroll checks
- Pre-printed checks
- Government checks
- Stimulus checks
- Cashier’s checks
- Tax
- 401k and retirement disbursem*nts
- Insurance settlement checks
17. WinCo Foods
Another place where you can cash checks is WinCo Foods. Some WinCo locations are open 24 hours. Check with your local store to see its operating hours.
You can cash payroll checks. A $5 fee is charged for payroll checks that are worth up to $500. For checks worth $500 to $1,000, there’s a $10 fee.
It’s important to note that WinCo doesn’t accept some types of checks, such as two-party checks and insurance settlement checks, so phone your local store to ask about the type of check you have if you’re unsure whether your local store will accept it.
Convenience Stores & Gas Stations with 24-Hour Check Cashing
Some gas stations/convenience store chains also offer 24-hour check cashing. So, you can get your cash when you need it!
If you don’t want to wait in the long lines that you’ll often find at grocery stores, then gas stations/convenience stores can be a good alternative.
Here are some fuel centers and gas stations that cash checks.
18. 7-Eleven
7-Eleven has more than 9,500 locations throughout the United States. Many 7-Eleven stores cash checks through a program called Transact. With Transact, you can load a check onto a debit card.
Transact works with all types of checks, and check cashing services are available 24/7 at 7-Eleven.
19. Pilot Flying J
Pilot Flying J has about 750 travel centers in more than 40 states. It offers a 24 hour and 7 days a week check cashing service.
There’s a check cashing limit of $1,000. The fees vary by location. If you purchase at least 25 gallons of fuel, you can cash a check up to $200 for free at the same location within two hours of fueling.
20. Road Ranger
Road Ranger has more than 40 convenience and travel centers in Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin.
Road Ranger provides check cashing services at all locations 24 hours a day. Both fueling and non-fueling customers are able to cash a check up to $999.99 for a fee. 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.
Road Ranger also has 24-hour ATMs too!
21. TravelCenters of America
TravelCenters of America has more than 260 locations throughout the country. All locations are open 24 hours.
The company is similar to Pilot Flying J in that many of its locations are also near the expressway and get many truck and transportation drivers.
TravelCenters of America locations have a convenience store and gas station that will cash payroll checks to NATSO and company approved accounts.
There’s a $300 limit for a fixed fee. The store will cash your check for free with no fees if you purchase fuel, a repair service, or merchandise.
24-Hour Check Cashing Stores
Another place where you can cash a check around the clock is at a check cashing store.
You can cash many types of checks at check cashing stores, but the downside is that you’ll have to pay a fee for the service.
The fees vary from place to place. Make sure you call ahead to get a better idea of what you’ll pay for cashing the type of check you have.
Often, check cashing stores provide other financial services, alongside check cashing, like payday loans (always avoid these if possible), installment loans, and money transfer services.
Below, I’ve included financial service companies that allow you to cash checks. Some of these stores are open 24 hours at all of their locations, and others are open 24 hours at select locations. So, check with your particular store to see what the opening hours are.
Here are some 24-hour check cashing stores:
22. Advance Financial
Advance Financial has more than 100 stores in Tennessee. Some Advance Financial locations are open 24 hours, which means you can cash a check when you need to. Check with your local store to see its opening hours.
Advance Financial will cash many different types of checks, including:
- Payroll checks
- Insurance checks
- Cashier’s checks
- Government checks
- Personal checks
Fees range from 1% to 5% of the check amount for most types of checks. For personal checks though, the fee is 10%.
23. Community Financial Service Centers
Community Financial Service Centers (CFSC) is another place where you can cash checks. Not all CFSC stores provide 24-hour check cashing, so make sure you check with your nearest store for the opening hours.
You can cash a variety of different checks at CFSC, such as:
- Payroll Checks
- Government Checks
- Stimulus Checks
- Social Security Checks
- SSI Checks
- Unemployment Checks
- Veteran’s Benefit Checks
- Income Tax Refund Checks
Check cashing fees and limits vary by location.
24. Pay-O-Matic
Pay-O-Matic has 140 stores in the New York Metropolitan Area. Its stores are located in the Bronx, Brooklyn, Manhattan, Queens, Long Island and the NYC area. Some Pay-O-Matic locations are open 24 hours!
Fees are 2.27% of the check amount.
What’s good about Pay-O-Matic is that it will cash most types of checks, both printed or handwritten.
Some of the checks you can cash at Pay-O-Matic include:
- Payroll checks
- Government checks
- Tax refunds
- Insurance settlement checks
- Money orders
- Lawyer checks
- Union checks
Sadly, Pay-O-Matic does not cash personal checks.
25. PLS Check Cashing
PLS Check Cashing has 200 locations in 12 states. All of its locations are open 24-hours a day, 7 days a week, offering a lot of convenience!
You can cash many types of checks at PLS Check Cashing, such as:
- Paychecks
- Personal checks
- Government checks
- Tax refund checks
- Stimulus checks
- Business checks
- Out-of-state checks
Fees start at $1 plus 1% of the check amount. You will need a photo ID.
26. Speedy Cash
There are 160 Speedy Cash locations in the United States.
Speedy Cash says it will cash all 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
- Unemployment checks
Fees start at $2. Not all Speedy Cash locations are open 24 hours, so you will need to check the opening hours for your nearest store.
27. United Check Cashing
United Check Cashing is another company that provides check cashing services.
Some of its locations offer 24-hour check cashing.
At United Check Cashing, you can cash a variety of different checks, such as:
- Payroll checks
- Government & benefits checks
- Insurance checks
- Business/commercial checks
- Tax refunds
- Rebate checks
Can I Cash a Check at Walgreens?
While researching for this post, I came across a lot of questions about whether or not you can cash a check at certain stores and 24 hours pharmacies like Walgreens.
Walgreens had that service, but unfortunately, you can not cash checks at Walgreens anymore since they changed that policy in 2015.
The same goes for Dollar General. You can not cash a check at Dollar General. although you can use a check to pay for your purchases at the store.
Final Thoughts
Sometimes, you may need to cash a check outside of regular opening hours, so it’s good to know that there are plenty of places near you that offer 24-hour check cashing.
Give the places on our list a try and get your cash when you need it.
