24 Hour check cashing near me 2024: 29 places to cash checks after hours

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At times, you might need to cash a check outside of regular business hours. Banks and credit unions typically aren’t open 24/7, including their traditional lobbies.

Late-night check cashing services are incredibly convenient for those needing quick cash outside regular business hours. I’ve found myself in situations where I needed cash urgently for the next day. Fortunately, there are numerous 24-hour check-cashing locations near me, which means I can access cash late at night or early in the morning without waiting for traditional opening hours.

Looking to cash a check outside regular hours? It’s helpful to know where you can find 24-hour check cashing services.

Where can I find places that offer 24-hour check cashing nearby?

Quick Answer: ATMs at major banks such as Bank of America and Wells Fargo offer 24-hour check cashing services. Other options for 24-hour check cashing include certain grocery stores like Walmart and Kroger, gas stations, convenience stores, and travel centers like Pilot Flying J and 7-Eleven. Additionally, check cashing stores like PLS Cashing and Speedy Cash may offer this service.

To see more locations offering 24-hour check cashing, continue reading below!

Here are places where you can cash a check at any time of day.

Bank ATMs with 24-hour check cashing

You can cash checks at many bank ATMs. When you use an ATM, you’re depositing the check and then withdrawing the funds, but the result is the same: you get cash.

Check-cashing ATMs are widely available and often found on street corners. Many big national banks offer round-the-clock access to their ATM network.

Before using a particular check-cashing machine, ensure it accepts deposits. While uncommon, some older ATMs may not accept deposits. ATMs with check scanners are more likely to give you immediate access to your funds.

To use an ATM, you must have an account with the bank that owns it. If you don’t, you might face fees and won’t be able to complete your transaction.

While some banks allow non-customers to deposit checks at ATMs, it’s uncommon. If you don’t have an account with such a bank, consider other options like grocery stores or gas stations listed.

ATMs are convenient since they’re often available 24/7, including on weekends.

Here are some banks that offer 24-hour check-cashing services:

1. Bank of America

Bank of America operates 17,000 ATMs, making it convenient to find one nearby for check deposits.

Most checks are accepted for deposit, provided they’re printed with magnetic ink rather than on a home printer. You can deposit a maximum of 10 checks per day.

2. Capital One

With over 70,000 ATMs, Capital One likely has a nearby ATM offering 24-hour check cashing. Account holders with Capital One 360 can cash various types of checks, including personal, payroll, government, tax, and cashier’s checks.

3. Chase

Chase operates 16,000 ATMs nationwide. These ATMs allow you to cash various types of checks, including:

  • Personal checks
  • Payroll checks
  • Government checks
  • Tax refund checks
  • Cashier’s checks
  • Stimulus checks

Additionally, you can deposit up to 30 checks per day at Chase ATMs.

4. Citibank

Citibank operates 2,300 ATMs across 600+ U.S. branches, with an additional 60,000 surcharge-free ATMs in its network.

At Citibank ATMs, you can cash various types of checks, including:

  • Payroll checks
  • Personal checks
  • Government checks
  • Stimulus checks
  • Cashier’s checks
  • Selected third-party checks

Citibank permits non-customers to cash checks from customers’ accounts up to $5,000. For non-Citibank accounts, non-customers can cash checks up to $500.

Both customers and non-customers must show an acceptable photo ID and possibly a second form of ID.

5. Citizens Bank

Citizens Bank has over 2,700 ATMs available. You can cash various checks, such as personal, payroll, government, tax, and cashier’s checks.

6. Fifth Third Bank

Fifth Third Bank is connected to a network of ATMs, including Allpoint, Presto!, and 7-Eleven, providing access to over 50,000 fee-free ATMs nationwide. Easy Deposit allows you to deposit checks anytime, day or night.

Easy Deposit is accessible at hundreds of ATM locations. To locate one near you, visit the company’s branch and ATM locator, click “Advanced Filters,” and select “ATM Accepts Deposits.”

7. M&T Bank

M&T Bank offers over 1,600 ATMs where customers can conveniently cash payroll and government checks.

8. TD Bank

TD Bank operates a network of 700 ATMs.

You can cash various types of checks at TD Bank, including:

  • Payroll checks
  • Government checks
  • Stimulus checks
  • Other specific checks.

9. US Bank

US Bank operates 4,700 ATMs where you can conveniently deposit various types of checks, including:

  • Payroll checks
  • Government checks
  • Stimulus checks
  • Personal checks
  • Third-party checks
  • Cashier’s checks

10. Wells Fargo

Wells Fargo operates 13,000 ATMs where you can deposit different types of checks for cash, such as:

  • Personal checks
  • Payroll checks
  • Government checks
  • Stimulus checks
  • Cashier’s checks

Each day, you can deposit up to 30 checks at a Wells Fargo ATM.

11. SunTrust Bank

SunTrust Bank, now Truist Bank, was established in 1891 and operates over 1,200 bank branches and over 2,100 ATMs across the United States.

SunTrust operates mainly in the Southeastern U.S., including Washington, D.C. If you’re a SunTrust account holder, you can use their ATMs to cash payroll checks, government checks, and more.

SunTrust ATMs have specific rules for cashing checks based on individual bank account regulations.

12. Valley National Bank

Valley National Bank, established in 1927, operates in New Jersey, New York, Florida, and Alabama. Account holders can conveniently use the bank’s ATMs to cash payroll, government, and other checks.

Please note that depositing and withdrawal limits may differ depending on branch locations.

Grocery stores with 24-hour check cashing

You can cash checks at some grocery stores around the clock, which is handy if regular bank hours don’t suit you.

While most grocery stores typically don’t cash personal checks, they do accept other types.

Check cashing counters at grocery stores are usually available 24 hours.

Checks that can be cashed typically have a magnetic link, while handwritten ones usually cannot be cashed.

When cashing a check at a grocery store, you’ll typically need a valid ID, so ensure you bring the necessary documentation.

Here are some grocery stores that provide 24-hour check cashing services, as well as a few that stay open late, though not 24 hours.

13. Albertson’s

Albertson’s operates over 2,200 stores throughout the USA. While not all stores are open 24 hours, most have hours from 6 a.m. to 11 p.m., offering flexibility. Check your local store for specific hours.

Albertson’s check-cashing service has a $1,000 limit, with fees differing by location.

14. Food City

Food City is a supermarket chain with over 132 stores. They cash various types of checks, such as:

  • Payroll checks
  • Rebate checks
  • Stimulus checks
  • Government checks

Their check cashing limit is $1,000 with a $3 fee. While not open 24/7, they offer flexible hours, typically from 6 a.m. to midnight, allowing customers to cash checks early in the morning or late at night.

15. Hy-Vee

Hy-Vee runs over 240 retail stores, each independently owned. Check cashing policies vary among stores, with not all offering the service.

However, some stores do provide check cashing in-store. Hy-Vee’s operating hours differ between locations, with some open 24 hours, offering round-the-clock check cashing. Others open late, typically from 5 a.m. to midnight.

Hy-Vee provides 24-hour check cashing at certain locations. To find out if your local store offers this service and what types of checks it accepts, check its opening hours and give them a call. They can also inform you about the cost and any identification needed to cash a check.

16. Kroger and its subsidiaries

The Kroger Company is the largest grocery chain in the U.S. and operates a network of 2,900 locations nationwide, including supermarkets and convenience stores. Its subsidiaries encompass various retail brands such as:

  • 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
  • Smith’s Food and Drug
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Kroger stores, along with certain subsidiaries, offer Money Services centers where you can cash checks.

Money Services are available in over 2,000 Kroger and affiliated stores. You can use Money Services to cash various types of checks, including:

  • Payroll checks
  • Government checks
  • Tax refund checks
  • Insurance checks payable to an individual
  • Business checks

However, Money Services does not cash personal checks, starter checks, or third-party checks.

Check cashing fees at Kroger are as follows:

  • With a Shopper’s Card, fees start at $3 for checks up to $2,000.
  • For checks between $2,000.01 and $5,000, fees with a Shopper’s Card are $5.50.

Money Services are available seven days a week, from 8 a.m. to 8 p.m., making it convenient for late check cashing. They operate during most holidays as well. Compared to traditional bank branches, Money Services offers much longer opening hours.

17. Tops Friendly Markets

Tops Friendly Markets runs 160 full-service supermarkets, including five franchised under the Tops name, and also manages 59 fuel stations.

You can cash checks at Tops Friendly Markets, with some locations offering financial services 24 hours a day while others are open from 6 a.m. to midnight.

For specific opening hours, please check with your local store.

18. Walmart

If you’re curious whether you can cash checks at Walmart during the night, yes, you can cash checks at Walmart at night. Walmart offers 24-hour check cashing at stores that are open round the clock. Just check your local store’s hours.

Most Walmart stores have a Money Center where you can cash checks and use other financial services, money orders, and transfers.

Walmart charges a fee of up to $4 for cashing checks worth up to $1,000. For checks exceeding $1,000, the maximum fee is $8.

At Walmart, you can cash various types of checks, such as:

  • Payroll checks
  • Pre-printed checks
  • Government checks
  • Stimulus checks
  • Cashier’s checks
  • Tax refund checks
  • 401k and retirement disbursements
  • Insurance settlement checks

19. Winco Foods

You can cash checks at WinCo Foods. Certain Winco stores are open 24 hours. Check your local store for hours.

They accept payroll checks. For checks up to $500, there’s a $5 fee. For checks between $500 and $1,000, the fee is $10.

Please be aware that WinCo does not accept certain types of checks, including two-party and insurance settlement checks. If you’re unsure whether your local store will accept your check, it’s best to call and inquire beforehand.

Convenience stores & gas stations with 24-hour check cashing

Many gas stations and convenience stores provide 24-hour check-cashing services, allowing you to access cash anytime. This can be convenient if you’re in urgent need of money.

Avoiding the typically long lines at grocery stores, gas stations, and convenience stores offers a quicker alternative for check cashing.

Below are some fuel centers and gas stations where you can cash checks.

20. 7-Eleven

7-Eleven operates over 9,500 stores across the US. These stores offer check cashing services through a program called Transact. With Transact, customers can load checks onto a debit card.

This service accepts all checks and is accessible 24/7 at 7-Eleven locations.

21. Pilot Flying J

Pilot Flying J operates approximately 750 travel centers across over 40 states, providing a 24/7 check cashing service.

Customers can cash checks up to $1,000, with fees differing by location. If you buy a minimum of 25 gallons of fuel, you can cash a check of up to $200 for free at the same location within two hours of fueling up.

22. Road Ranger

Road Ranger operates over 40 convenience and travel centers across seven states: Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin.

At all Road Ranger locations, customers can access check cashing services 24 hours. Whether they’re fueling up or not, customers can cash checks of up to $999.99 for a fee. Additionally, customers who fuel a minimum of 25 gallons can cash a check up to $200 for free at the same location within 2 hours of fueling.

Moreover, Road Ranger provides 24-hour ATM services.

23. TravelCenters of America

TravelCenters of America operates over 260 locations nationwide, all open 24 hours. Much like Pilot Flying J, many of its sites are conveniently situated near highways, catering to truck and transportation drivers.

At TravelCenters of America, each location features a convenience store and gas station, offering check cashing services for payroll checks to NATSO and approved accounts, with a $300 limit for a fixed fee. However, if you buy fuel, utilize repair services, or purchase merchandise, you can cash your check for free with no fees.

24-hour check cashing stores

Check cashing stores offer 24/7 check cashing services, making them convenient for anyone needing to cash a check at any time.

These stores accept various checks, though there’s a fee for the service.

Fees differ between locations, so it’s wise to call ahead and inquire about the fee for cashing your type of check.

Check-cashing stores often offer additional financial services such as payday loans, installment loans, and money transfers, but it’s best to avoid payday loans whenever possible.

Below is a list of financial service companies where you can cash checks. Some of these stores are open 24 hours at all locations, while others have select locations open 24 hours. Be sure to check the opening hours of your specific store.

Here are some 24-hour check cashing stores:

24. Advance Financial

Advance Financial operates over 100 stores across Tennessee, with some open 24 hours for check cashing convenience. Check your local store for its specific hours.

They accept various types of checks, such as:

  • Payroll checks
  • Insurance checks
  • Cashier’s checks
  • Government checks
  • Personal checks

Fees for most checks range from 1% to 5% of the check amount. However, for personal checks, the fee is 10%.

25. Community Financial Service Centers

Community Financial Service Centers (CFSC) offer check cashing services. Not all CFSC stores are open 24 hours, so it’s important to check the hours of operation at your nearest location.

CFSC allows you to cash various types of checks, including:

  • Payroll checks
  • Government checks
  • Stimulus checks
  • Social Security checks
  • SSI checks
  • Unemployment checks
  • Veteran’s benefit checks
  • Income tax refund checks

Fees and cashing limits may differ depending on the CFSC location.

26. Pay-O-Matic

Pay-O-Matic operates 140 stores across the New York Metropolitan Area, including the Bronx, Brooklyn, Manhattan, Queens, Long Island, and NYC. Certain locations are open 24 hours.

The fee for cashing a check is 2.27% of the check amount.

Pay-O-Matic accepts various types of checks, such as:

  • Payroll checks
  • Government checks
  • Tax refunds
  • Insurance settlements checks
  • Money orders
  • Lawyer checks
  • Union checks

However, personal checks are not cashed.

27. PLS Check Cashing

PLS Check Cashing operates 200 locations across 12 states, all open around the clock every day of the week for maximum convenience.

They accept various types of checks, including:

  • Paychecks
  • Personal checks
  • Government checks
  • Tax refund checks
  • Stimulus checks
  • Business checks
  • Out-of-state checks

Fees begin at $1 plus 1% of the check amount, and a photo ID is required for transactions.

28. Speedy Cash

Speedy Cash operates 160 locations across the United States. They offer check cashing services for 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
  • Unemployment checks

Fees for check cashing start at $2. It’s important to note that not all Speedy Cash locations are open 24 hours, so it’s advisable to check the opening hours of your nearest store.

29. United Check Cashing

United Check Cashing offers convenient check-cashing services, including 24-hour availability at select locations. You can cash various types of checks there, including:

  • Payroll checks
  • Government and benefits checks
  • Insurance checks
  • Business/commercial checks
  • Tax refunds
  • Rebate checks

Can I cash a check at Walgreens?

In my research, I found many inquiries about cashing checks at places like Walgreens and Dollar General.

Unfortunately, Walgreens discontinued its check cashing service in 2015. Likewise, Dollar General doesn’t offer check cashing, although you can still use checks to pay for purchases in-store.

Where can I cash a check without a bank account?

You can cash a check without a bank account at check-cashing businesses such as Pay-O-Matic, PLS Check Cashing, Speedy Cash, or CFSC. Some stores like Walmart or Kroger also offer check cashing services. Additionally, you might be able to cash a check at the bank it’s drawn on, even if you don’t have an account there.

What is the cheapest option to cash a check?

The most economical way to cash a check is at your bank. Alternatively, a check-cashing service usually charges lower fees than retailers such as Walmart or Kroger.

The bottom line

If you ever find yourself in a situation where you need to cash a check outside of regular business hours, you’ll be pleased to know that there are several options available to you. Many banks, credit unions, and check-cashing stores offer 24-hour check cashing services.

Additionally, some grocery stores, convenience stores, and even some Walmart locations offer this service as well. To ensure you find a reputable place, it’s always a good idea to research beforehand and read reviews from other customers. This can help you find a trustworthy location that offers competitive rates and reliable service.

Give these locations on our list a try to get your cash whenever needed.