In the United States, there are several locations where you can cash a check for free. These locations can also be open 24-hour check cashing, and include banks, credit unions, and certain retailers that offer check cashing services without charging fees. Here's a list of the top 16 locations for free check caching near you:
1. Your Bank
Most banks do not charge their account holders for depositing checks. It's a convenient and cost-effective option if you have a bank account.
2. Bank of America
Bank of America account holders to cash checks for free.
Find a location near you here.
3. Chase
Similar to Bank of America, Chase offers free check cashing services for its customers.
Find a location near you here.
4. Your Credit Union
Similar to banks, credit unions don’t typically charge their customers fees for depositing checks.
5. Ingo Money App
Ingo Money app provides a free check caching service if you're willing to wait 10 days for the funds. This option is applicable to a wide variety of checks, including government, payroll, personal, and others, all of which are subject to review and approval. However, it's important to note that the service does not accept credit card checks, traveler's checks, "starter checks," U.S. Savings Bonds, or checks drawn on accounts located outside of the United States.
To be eligible for processing, all checks must meet certain criteria. They must have the writer's name and address pre-printed, be dated on or before the date of submission, and be made out to the recipient as their name appears in the system.
Additionally, the numbers in the two amount lines must match, the check writer must have signed it, and it must be endorsed by the recipient, with the endorsement matching the name on the payee line on the front of the check. Once the funds are available, they can be used to pay retail credit card bills from thousands of retailers. Furthermore, the service is a participant in several major payment networks, including Visa, MasterCard, American Express, Star, Pulse, NYCE, and Maestro.
6. Pilot Flying J
This travel center chain provides a free check cashing service if you purchase at least 25 gallons of fuel.
Find a location near you here.
7. PayPal
If you have a PayPal account, you can cash checks using their mobile app.
8. BB&T (now Truist Financial)
Non-customers can cash checks for free if they're under $50 with Truist Financial.
Find a location near you here.
9. Capital One
This bank offers free check cashing for checks under a certain amount.
Find a location near you here.
10. Citibank
Citibank cashes checks for free if they're under $5,000.
Find a location near you here.
11. HSBC Bank
HSBC offers free check cashing for personal checks, though charges for business checks may vary.
Find a location near you here.
12. PNC Bank
PNC cashes checks for free if they're $25 and under. However they charge a percentage for checks greater than $25.
Find a location near you here.
13. Regions Bank
Regions cashes checks for free if they're under under $10. However they also charge a percentage above $10.
Find a location near you here.
14. SunTrust (now Truist Financial)
SunTrust cashes checks for free if they're $50 or under; and charges a fee if greater than $50.
Find a location near you here.
15. Walmart
Known for its versatility, Walmart cashes various types of checks.
Find a location near you here.
16. Your Employer
Some employers offer free check cashing services for their employees. Double check with HR or your managers!
Final Words
It's important to note that while some locations offer free check cashing services, there may be conditions attached, such as being an account holder or meeting certain transaction requirements. Always check with the specific location for their most current policies and fees related to check cashing services.
FAQs
What is the maximum amount that can be cashed at a grocery store?
The maximum amount that can be cashed at a grocery store varies depending on the specific location and its policies. For example, Walmart charges a maximum of $4 to cash checks worth up to $1,000, up to $8 to cash checks worth more, and up to $6 to cash checks under $5,000. However, these fees and limits can change based on the time of year, with higher limits during tax season.
At Price Chopper and Market 32, the maximum amount for personal checks is $500, and the maximum for payroll checks is $940 within a 24-hour period or $1,100 within a six-day period.
It's essential to check with the specific grocery store you plan to visit to determine their maximum check cashing amount and any associated fees.
Are there any grocery stores that do not allow cashing checks?
Yes, there are grocery stores that do not allow cashing checks. Pay-Less Supermarket, for example, no longer accepts checks for cashing due to an increase in fraudulent checks. Additionally, Dave's Marketplace does not cash personal checks. It's essential to check with the specific grocery store you plan to visit to determine their check cashing policies and any restrictions they may have.
What is the fee for cashing checks at a grocery store?
The fee for cashing checks at a grocery store varies depending on the location and the amount of the check. Here are some examples of fees charged at different grocery stores:
- Walmart: $4 for checks up to $1,000, $8 for checks over $1,000, and $6 for two-party personal checks.
- WinCo Foods: $5 for checks up to $500, $10 for checks higher than that.
- Wegmans: Free for Shoppers Club cardholders.
- Winn-Dixie: $3.50[.
- Harris Teeter: Fees vary from $3 to $4 for checks up to $2,000 if you have a Shopper Card and are $4.50 without a Shopper's card.
- Homeland: 2% fee, but 1% is instantly rebated back to you in the form of a paper coupon for a discount on your next order of $15 or more.
- Hy-Vee: $2 to $6 per transaction.
- Ingles: Varies by location.
It's essential to check with the specific grocery store you plan to visit to determine their check cashing fee and any associated conditions.
