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Sometimes you need to cash a check when your bank is closed. Or, you may not have a physical bank location and don’t want to wait for mobile deposit to make your funds available.
Cheapest Place To Cash A Payroll Check
Check cashing services will cash your check, depending on what type of check it is and how much it is worth. And since many of these types of places are open 24/7, you can cash a tax refund or veteran’s benefit check at 2 a.m. on a Sunday morning if you want.
How To Cash Or Deposit A Check: 3 Simple Steps
Here’s where you can cash a check near you — and what you need to know before you go.
The easiest way to find a Check Cashing near you is to search Google Maps – it will give you hours, directions and a link to the service’s website if you need more information.
Community Financial Service Centers have 200 locations nationwide that offer check cashing, money transfers, electronic bill payments, prepaid debit cards, foreign currency exchange, ATMs and more. Many locations are open 24/7.
CFSC will cash payroll checks, government checks, including tax refunds, settlement checks, checks made out to your business and certain other types of checks. The fee that is charged depends on the type of check and the state you are in.
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Check cashing services are available in most Walmart stores. If the store is open 24/7, then the check cashing service is also available 24/7. Walmart cashes pre-printed checks, payroll and government checks, cashier’s checks, two-party personal checks and more.
Walmart charges a maximum fee of $4 to cash checks up to $1,000 and a maximum fee of $8 for checks over $1,000.
You can also deposit money into your bank debit card at a Walmart location – either at a register, money center or customer service center. You can deposit funds if you have a debit card issued by one of the more than 15,000 financial institutions in the U.S. There is a $3.74 fee for deposits up to $1,000. The minimum deposit is $20.
Kroger Money Services offers check cashing, bill pay, debit card cashing, money orders, prepaid cards and more in more than 2,000 stores.
Rates And Fees
The fee for cashing checks at Kroger varies by store location and check amount, but at most stores, you can cash a $100 check for $4.00 if you have a Kroger loyalty card. If you don’t, it will cost you $4.50. A $2,500 check can be cashed for $7.00 with a Kroger card or $7.50 without. There is a $5,000 limit on checks.
Payomatic is a chain of check cashing stores in New York City. All five boroughs have shops, but only some of them are open 24 hours.
When you bring a valid ID to a Payomatic location, you can cash a paycheck, government check – including tax refunds, insurance settlement checks, union checks, money orders and more. Payomatic does not cash personal checks.
Payomatic charges 2.20% of check amount. So, a $100 check would be worth $2.20 in cash. If you have a $2,000 tax refund, you’ll pay $44 to cash it out.
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PLS has locations in 12 states: Arizona, California, Illinois, Indiana, Kentucky, Massachusetts, New York, North Carolina, Ohio, Oklahoma, Texas and Wisconsin. Many, but not all, locations are open 24 hours. PLS will cash patch checks, government checks, business checks and more – even if they are out of state. It will also cash personal checks.
The fee for cashing a payroll check, government benefit check or money order less than $1,000 is 1% of the check amount plus $1. So, a $100 check costs you $2 to cash. For checks over $1,000, or other types of checks such as personal checks, the amount will vary based on the type and amount of the check.
PLS also offers free money orders, utility and other bill payment services, Western Union money transfers and direct deposits. For direct deposit, your employer pays PLS and you can go there and get your money in cash.
SpeedCash will cash benefit checks, cashier’s checks, bank drafts, paychecks, student loan checks, unemployment checks, personal checks and more. Some checks require a hold before it will cash you, so you may have to wait for your money if it’s not a government or payroll check.
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SpeedCash has locations in 14 states: Arizona, Arkansas, California, Colorado, Georgia, Kansas, Kentucky, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee and Texas. Some of its locations are open 24 hours, but not all of them.
At SpeedCash, you’ll pay 2% to 2.50% of the check amount to cash a payroll or government check, with a minimum charge of $2. Other types of checks may incur higher fees.
In addition to check cashing services, SpeedCash locations may offer payday loans, installment loans, title loans, personal lines of credit, money orders and moneygram money transfers.
Generally, you need to bring some form of identification, such as a driver’s license, passport, resident alien ID, military ID, tribal national or reservation ID or state-issued ID. You also need to bring the check and your social security or taxpayer identification number.
Where Can You Cash Checks?
Most places only cash certain types of checks that they can instantly endorse, such as government checks, bank or cashier’s checks, or money orders. Some places will cash personal checks, but they may hold the money for several days before paying them, just to make sure the check clears.
Make sure you know how much you will be paying in fees. In some cases, the amount of the check is what determines the fee; In others, it is the type of check. That $1,200 tax refund check may cost less to cash than a $100 personal check, simply because there is less risk it will bounce. So, if you’re shopping around for value, make sure you’re looking for the right price for the check you want to cash.
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