Need to Cash a Check After Hours? Here are 18 Ways to Do It

Posted Feb 21, 2020 | Chris Petrie

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

Traditional banking hours don’t work for everyone. Have you ever needed to cash a check when traditional banks were closed? Maybe you work a second shift job and need to do your banking after midnight.

Or maybe, for whatever reason, you just like to do your financial transactions when others are asleep. Lucky for you there are places that will cash your checks any time day or night.

Next time cash or deposit your check at the bank. Earn 1.75% APR 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.

Now, ideally, you’d do your banking during regular business hours. If you have to use some of these late night banking options, you might pay a fee to do so.

But if “normal” isn’t an option, you’ve got some choices. Here are some places you can go to cash checks 24 hours a day. If you have a money order you need to cash, read this article for the best ways to make that happen.

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. 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.

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, personal checks, government checks and others.

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

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, personal checks, and student loan checks.

They are fine for check cashing but do not use them for anything else. Their website shows they charge up to 450% APR on loans! Yes, four hundred and fifty percent interest. Compare that to credit cards with an average of 17% APR.

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.

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

3. Community Financial Service Center

Community Financial Service Center has over 200 locations in the U.S. They’ll cash a variety of check types, including:

  • Payroll checks
  • Government checks
  • Social security checks
  • Benefit checks
  • Income tax refund checks

And others. 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 Checks

There are a few grocery that will cash 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.

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

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

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
  • Government checks
  • 401k checks
  • Cashier’s checks
  • Settlement checks
  • And more

You can even cash money orders there if they were purchased at Walmart. Most Walmart locations charge between $3 and $6 to cash a check. This fee may vary by location.

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 U.S, Oklahoma and Texas.

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.

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

6. Tops Friendly Market

Tops Friendly Market has nearly 200 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 “topping” out at $500. 🙂

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

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, you’re not officially cashing a check when you use an ATM. The process used to cash a check via an ATM is a bit different.

When you use an ATM, you’re simply making a check deposit. Then, once the check is received you are simply making a withdrawal.

Also, you will need an account at the bank that owns the ATM to use this method. If you do not, your bank could also be a partner with the bank that owns the ATM. Keep in mind, almost all banks and credit unions offer 24 hour ATM access.

If you don’t, you can open one to have access to 24 ATMS and get your checks cashed. I’d highly recommend getting a bank account to avoid fees and have that convenience.

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

7. Wells Fargo

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 your cash when cashing:

  • Payroll checks
  • Government 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.

8. 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 government, payroll, cashier’s and some personal checks. Note that U.S Bank ATM machines are set to only accept deposits of 30 checks at one time.

9. 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 check at a BofA ATM, it 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.

 10. 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:

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

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

11. Chase Bank

Chase Bank was founded in 2000. Well, technically its parent companies have been around a lot longer than that. Chase Bank is the offspring of Chase Manhattan Bank and J.P Morgan & Co.  There’s a little fun financial geek trivia for you.

Chase Bank has grown rapidly, with over 5,000 branches and 16,000 ATMs around the world. You can cash the following checks at Chase Bank:

  • Government 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.

12. Capital One 360

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 360 account holders get other special benefits too, like convenient check cashing privileges.

If you’re a 360 account owner you can cash payroll, government, personal checks and more. Check with Capital One regarding ATM limits and settings.

13. TD Bank

There are over 1,300 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 government checks, payroll checks and more. You can deposit up to 30 checks at one time using a TD Bank ATM.

14. Citizens Bank

Citizens Bank operates over 1,200 branch locations and 3,000 ATMs in 11 U.S. states. You can find a Citizens Bank all over the northeastern U.S., Michigan and Ohio.

Per the Citizens website, you can deposit all checks-without an envelope.

15. 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 1,000 locations in states including Ohio, Kentucky, Florida, Tennessee and more.

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

16. SunTrust Bank

SunTrust Bank was founded way back in 1891. They have over 1,400 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.

17. 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 nearly 800 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.

18. 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.


Chances are, you landed here because you are looking to cash a check after hours. If the check you’re cashing is less than $1,000, I would start off with your local Wal-Mart. Then, if Wal-Mart isn’t an option, I would next contact your closest grocery store. If not those two, then find your closest ATM.

Let this situation be a great learning lesson. When you need cash now, make sure you have cash now. I would recommend setting up an emergency fund or a savings account for larger purchases. A great way to jump start your starter emergency fund is by turning your free time into cash via side hustles.

Thanks so much for reading and good luck with your check cashing adventure!

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.

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