Need to Cash a Check? Here are 20 Ways to Cash a Personal Check Near Me

Posted Jul 06, 2022 | Chris Petrie

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What are my options for 24 hour check cashing places near me?

Need to cash a check quickly and you either don’t have a bank account or your bank is closed and you need to find somewhere that is open?

The good news is there is definitely a place near you where you can cash a check quickly. From 24-hour check cashing places, grocery stores, and local banks and credit unions, we have you covered.

Next time cash or deposit your check at the bank, earn 7x More than the National Average Rate when you open a CIT Savings Builder account and deposit $100 per month…or you can go to a mega bank and earn and earn 0.01% APR.

And whether you’re cashing a money order, tax refund checks, or maybe even a personal check from a recent side hustle, we will show you where to go, how to do it, and even the check cashing fees you can expect.

Let’s start with the places that are open 24/7.

24 Hour Check Cashing Stores

There are thousands of check cashing stores around the U.S. and the world. Most are not open 24 hours, however some are.

Here is a list of three check cashing stores that have some locations which are always open.

1. PLS Transportation Services and Check Cashing

PLS Transportation Services and Check Cashing offers checking cashing and other financial services.

24 hour check cashing near me
PLS Check Cashing located in Tucson, AZ

They’re open 24 hours a day and have locations in 12 states, including:

  • Arizona
  • California
  • Illinois
  • Indiana
  • Kentucky
  • Massachusetts
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Texas
  • Wisconsin

If you live near a PLS location you can cash your checks any time; day or night. They’ll cash paychecks, a personal check, government checks and others.

Fees: The fee PLS will charge depends on the location. Most locations charge $1 plus 1 percent of the  check amount.

For example, if the check is for $500, then you can expect your check cashing fees to be $1 plus $5 (1 percent) for a total of $6 in fees.

Note: PLS also offers notary services and fax services too.

2. Speedy Cash

Speedy Cash is a check cashing and payday loan store that will cash nearly all types of checks. They’ll cash payroll checks, government checks, a personal check, and even student loan checks.

They also cash settlement checks, insurance checks, money orders and other checks.

Speedy Cash has locations throughout the United States. Most, but not all locations are open 24 hours.

Also, keep in mind check cashing stores like Speedy Cash are fine for check cashing but do not use them for anything else.

Payday loans, title loans, or any of these other type of places are known as predatory lenders. In fact, they are actually illegal in some states!

You can see the predatory lender rates across the United States and you will be shocked to see these lenders charge over 600% interest in states like Texas!

Compare that to credit cards with an average of 17% APR.

Fees: They charge you a minimum of $2 to cash your check.

3. Community Financial Service Center

Community Financial Service Center has over 187 locations in the U.S as of April 2022. They’ll cash a variety of check types, including:

  • Payroll checks
  • Checks issued from government
  • Social security checks
  • Benefit checks
  • Income tax refund checks
  • And others types of checks

Fees for check cashing vary by location.

Check limits also vary by location. Also, not all Community Financial Service Center locations are open 24 hours. Contact a location near you for their business hours.

Next, we’ll talk about some grocery store companies that offer check cashing.

Grocery Stores That Will Cash Personal Checks

There are a few grocery stores that will cash personal checks or any other type of checks 24 hours a day. Note that not all locations of all grocery stores are open 24 hours.

4. Walmart

Nearly all Walmart locations have check cashing counters. Many times the check cashing counters are open when the store is open. In other words, if the store is open 24 hours, so is the check cashing counter.


cash a personal check near me

However, some Walmart stores close their check cashing service during overnight hours. If this is happens, simply ask if their cashiers do check cashing.

This is so the registers aren’t drained of funds needed for giving customers change.

Walmart will cash many different types of checks. They’ll often cash:

  • Payroll checks
  • Govt checks
  • 401k checks
  • Cashier’s checks
  • Settlement checks
  • And more

You can even cash money orders there if they were purchased at Walmart.

Fees: Most Walmart locations charge between $3 and $6 to cash a check. This fee may vary by location.

Note: There may be lower check cashing limits at the cash register.

5. WinCo Foods

WinCo Foods is a large grocery chain in the Western United States. You can find a WinCo Foods store in the western United States, in Oklahoma and in Texas.

However, WinCo will only cash payroll checks up to $1,000 per person. They will also accept up to two payroll checks within the same week. Your payroll checks must also be machine printed to be cashed at WinCo.

Fees: They’ll charge between $5 and $10 to cash a check depending on the amount. 

6. Tops Friendly Market

Tops Friendly Market has 150 locations in NY, PA and VT . They offer check cashing services for government checks and payroll checks only.

Fees for check cashing are minimal at Tops – only $1 per cashed check. However, they have lower check cashing limits too – often maxing out at $500. 

Note: Tops Friendly Markets are open 24 hours. Check with a location near you to make sure before going in.

Local Banks and Credit Unions

Sometimes the easiest place to cash a check is at a local bank or a credit union. Most often, the smaller banks and credit unions are willing to work with you when a larger national bank may not want to issue you a bank account.

7. Local Credit Union

Your local credit union will often be your best bet when it comes to cashing a check. They are much easier and flexible to work with. Since a credit union has members instead of customers, this translates to lower fees on things like check cashing services.

cash a personal check near me
OneAZ Credit Union located in Phoenix, AZ

Also, if you are looking to open a checking account and have been turned down by one of the larger banks, visit a local credit union instead.

8. The Bank that Issued the Check

If you have your check in hand, look at the bottom left corner of the check and you should see the name of the issuing bank where the check orignated from.

If the bank has a local branch in your area, you should definitely go there and cash the the check.

One of the benefits of visiting the local bank that isused the check is they have the ability to verify the funds before cashing the check.

ATM Machines at Banks

If you need to cash a check after hours, you’ll have the best luck at a 24-hour ATM.  There are a few check cashing stores and grocery stores open 24 hours. However, there are many banks that have 24 hour access to ATMs.

Now, technically you don’t have the ability to cash checks when you use an ATM. However, you can still turn that check into cash while using the ATM.

Simply deposit the check into the ATM. Then, once the check is received you are simply making a withdrawal, which is a roundabout way to cash a personal check or any check for that matter.

Keep in mind, you will need an account at the bank that owns the ATM to use this method. If you don’t have a bank account there, your bank could also be a partner with the bank that owns the ATM.

If you don’t have a bank account there, you can open one to have access to 24 ATMs and get your checks cashed. Remember, you’ll pay much lower fees when using a local credit union or local bank verus a large national bank.

Note: Not all banks offer immediate withdrawals from ATM deposits.

9. Wells Fargo

If you would rather go with a larger national bank to cash checks, then Wells Fargo has branch locations throughout the United States. In fact, they’ve got over 8,000 branch locations and over 13,000 ATM machines worldwide.

As a Wells Fargo customer, you get instant access to cash checks with any of the following:

  • Payroll checks
  • Govt checks
  • Personal checks
  • Cashier’s checks

The amount you can withdraw right away may depend on the bank’s ATM settings. Contact your bank’s customer service center to adjust your ATM limits.

10. U.S. Bank

U.S. Bank is another big bank that has 24 hour ATM access at many locations. They have over 3,000 locations in the U.S.

Their ATMs typically allow customers to cash a personal check, govt check, payroll check, and cashier’s checks.

One added convenience with US Bank is the partnership they have with many local credit unions. This gives fee-free access for many credit union members at any US Bank ATM.

Note that U.S Bank ATM machines are set to only accept deposits of 30 checks at one time.

11. Bank of America

Bank of America has numerous of locations all over the world. In fact, they have over 4,000 branch locations and over 15,000 ATMs worldwide.

To cash a personal check at a Bank of America ATM, the check must be printed with magnetic ink. In other words, an ATM will not accept a check if printed from home.

Home-printed checks can only be cashed inside the bank, and they may put a hold on your check.

Note: You can deposit up to 10 checks at a time at Bank of America ATMs.

 12. Citibank

Citibank has bank ATM locations in the U.S. and around the world. There are over 700 branch locations in the U.S. and there are thousands of other locations around the world.

You can cash the following at Citibank:

  • Govt checks
  • Payroll checks
  • Personal checks
  • Cashier’s checks

Note: You must to have a Citibank account to use their ATMs to cash checks.

13. Chase Bank

Chase Bank was founded in 2000. Well, technically its parent companies have been around a lot longer than that. Chase Bank is actually the offspring of Chase Manhattan Bank and J.P Morgan & Co.  

Chase Bank has grown rapidly, with over 5,000 branches and 16,000 ATMs around the world. As far as choosing Chase Bank to cash checks, you can cash the following:

  • Govt checks
  • Payroll checks
  • Personal checks
  • Cashier’s checks there.

Their ATMs may let you cash other types of checks too. There is also a max of 30 checks that can be deposited via ATM at once.

Note: The amount you can withdraw will be based on your account settings.

14. Capital One 

Capital One has bank locations throughout the U.S. – over 700 in fact. The Capital One 360 account is a high-interest paying, no fee account. Capital One account holders get other special benefits too, like unique privelages when it comes time to cash checks.

If you’re an account owner you can cash personal checks, payroll, government, and more. For more information on the check cashing services along with the unique privelages, contact Capital One directly or visity their website.

15. TD Bank

There are over 1,100 TD Bank locations in the U.S. situated on the Eastern half of the country. They operate in 15 states and in Washington D.C. Their website tagline says they’re “America’s Most Convenient Bank”.

If you have an account at TD Bank you can cash a personal check, government checks, payroll checks and more. You can also deposit up to 30 checks at one time using a TD Bank ATM.

16. Citizens Bank

Citizens Bank operates over 1,000 branch locations and 3,100 ATMs in 11 U.S. states. You can find a Citizens Bank all over the northeastern U.S., Michigan and Ohio.

Whether you need to cash a personal check, a tax refund check or any other type of check, Citizens Bank will do it for you with a flat fee of $7 for non-customers.

17. Fifth Third Bank

If you live in the Southeastern U.S. or the Midwest, you may have heard of Fifth Third Bank. They have over 1,100 locations in states including Ohio, Kentucky, Florida, Tennessee and more.

If you have an account there you can cash personal checks, government checks, payroll checks and others. Their are over 2,400 ATM machines might vary on settings for cash back amounts.

Fifth Third Bank charges 1% of the check amount with a $4 minimum and $25 maximum fee.

18. SunTrust Bank

SunTrust Bank was founded way back in 1891. They have over 1,200 bank locations and over 2,100 ATM machines in the U.S.

They operate primarily in the Southeastern U.S. including Washington D.C. If you’re a SunTrust account holder you can use the ATM to cash payroll checks, government checks and more.

Individual bank account rules apply when it comes to cashing checks at a SunTrust ATM.

19. M&T Bank

M&T Bank operates in eight U.S. States including New York, New Jersey, Maryland, West Virginia and more. They have branches in Washington D.C. as well.

There are over 1,000 branch locations in the U.S. If you’re an M&T customer you can cash government checks, payroll checks and more at their ATMs.

Fun fact: M&T Bank was founded in 1856. They must be doing something right.

20. Valley National Bank

Valley National Bank was founded in 1927 and serves New Jersey, New York, Florida and Alabama. If you have a Valley National Bank account, you can use their ATM to cash payroll, government and other checks.

Note: Check depositing and withdrawal limits can vary based on branch locations.

Open a Bank Account

As you know by now, your problem of looking for somewhere to cash a personal check near me is quickly solved by opening a bank account in your local area.

Your best bet is going to be a local credit union. If you’ve struggled opening an account in the past, a local credit union will be the most likely place to work with you to help you open an account.

Also, when you have access to a local credit union, you will have the ability to get cash immediately when cashing personal checks or any other type of check for that matter.

Local credit unions will also have very low monthly checking account fees and the ability for you to make a mobile check deposit..

Final Thoughts

Whether you’re looking to cash a personal check, money orders, a cashier’s check, or any other type of check, you have plenty of options.

If you need to cash checks and it’s after hours, than visit your local Walmart or any 24-hour check cashing store.

Your next best option will be to cash the check at the issuing bank where the bank can quickly verify funds and turn your check into cash.

Lastly, keep in mind whether you need cash now or you can wait until the next business day will determine where you go to cash a personal check and what kind a fee you will pay.

Chris Peach Author 150x150

Chris Petrie

Chris (Peach) Petrie is a personal finance expert, money coach, speaker and podcaster.

In 2011, Chris and his family were exhausted from living paycheck-to-paycheck and facing a mountain of debt. They started going against the society standards of misbehaving with money and made the decision to take back control of their lives and money. Within seven months they paid off $52,000, started saving like crazy and began building real wealth.

The word spread fast and Chris started showing friends how to create a budget over dinner. Soon after he started showing their friends how to do the same and eventually Chris started teaching personal finance classes around the community. As the need for the classes grew, Chris launched Money Peach in 2015.

Money Peach was created to help everyday people remove the stress and fear of money by showing them how to save more, make more, and keep more of their money.

Chris Peach has been featured in places like Business Insider, The Huffington Post, Elite Daily, and CheddarTV.

When Chris isn’t at “work” he can be found at the Crossfit gym or riding on the fire truck — Chris is also a full-time firefighter in Phoenix, Arizona.

Want to save more money and pay off debt?

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