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Sometimes you have to cash a check at night or outside of the regular business hours. It is of no doubt that banks and credit unions and traditional banks lobbies are noy open 24 hours a day.
That is exactly at the point when 24 or late night check cashing places become vital. I personally have had to cash a check late at night because I needed cash by that time to handle a situation that just came up at that time. This is actually amazing because, it simply means that if you need cash late at night or early in the morning, you are able to get it without having to wait around for the place to open.
If you need to cash a check at an hour when you think places are already closed, then its good to know which places provide 24-hour check cashing services.
Where offers 24-hour check cashing near me?
There are ATMs from banks such as Bank of America and Wells Fargo offer 24-hour check cashing. There are also some other places that provide 24-hour check cashing at select locations, they include grocery stores like Walmart and Kroger, gas stations, convenience stores and travel centers.
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Bank ATMs With 24-Hour Check Cashing
You can cash your check several bank ATMs. technically, you are not "cashing" the check. Instead, you are depositing the check and then withdrawing the funds. But the outcome still remains the same cause you get the cash from the check.
You can find check cashing ATMs on almost every angle, since most of the large national banks provide 24-hour access to their ATM network.
Before you visit one, it is good you ensure that the particular check-cashing machine you plan to use does accept deposits. Though it is rare, some older ATMs may not accept deposits. ATMs that have check scanners are more likely to give you access to your funds immediately.
Before cashing a check a an ATM location, you need to be an account holder at the bank that owns the ATM. If you do not have an account with a bank or credit union, you will likely encounter fees, which might even hinder you from completing your transaction.
Below are some banks that offer 24-hour check cashing
1. Bank of America
Bank of America counts as many as 17,000 ATMs, so it is likely that you have one near you where you can deposit a check.
Here, you are able to deposit most of your checks as long as they are printed with magnetic ink, so not on a home printer. You are able to deposit as many as 10 checks per day.
ALSO READ: Can You Cash A Check At An ATM? (Yes, Here's How)
2. Capital One
Capital one has more than 70,000 ATMs, so it is likely that you have an ATM near you that offers 24-hour check. Capital One 360 account holders can cash personal, payroll, government, tax and cashier's checks.
3. Citizens Bank
There are more than 2,700 Citizens Bank ATMs.
Here, you can cash a variety of different check types, including personal, payroll, government, tax and cashier's checks.
4. Citibank
Citibank counts more than 2,300 ATMs in over 600 branches in the U.S and 60,000 other surcharge free ATMs in its network.
At Citibank ATMs, you can cash different types of checks, such as:
- Payroll checks
- Some third-party checks
- Personal checks
- Stimulus checks
- Government checks
- Cashier’s checks
Citibank actually allows non-customers to cash checks from customers’ accounts for a maximum of $5,000. Non-customers are allowed to cash a check for up to $500 for non-Citibank accounts.
Customers and non-customers will have to provide an acceptable photo ID and maybe a second form of ID too.
5. Chase
Chase has 16,000 ATMs across the country. At Chase ATMs, you can cash a variety of different checks such as:
- Personal checks
- Cashier’s checks
- Payroll checks
- Government checks
- Tax
- Stimulus checks
You are able to deposit up to 30 checks per day.
6. M&T Bank
M&T Bank has more than 1.600 ATMs, customers can cash payroll and government checks at M&T bank ATMs.
7. TD Bank
TD Bank counts 700 ATMs.
You can cash checks such as:
- Government checks
- Payroll checks
- Other select checks
- Payroll checks
8. Wells Fargo
Wells Fargo has 13,000 ATMs. You can deposit a variety of checks at Wells Fargo ATMs, including:
- personal checks
- Payroll checks
- government checks
- Stimulus checks
- Cashier's check
You can deposit up to 30 checks a day at a Wells Fargo ATM.
ALSO READ: How to Cash a Check Without a Bank Account
Grocery Stores With 24-Hour Check Cashing
There are food businesses that let you cash checks anytime of the day. Thus, you can visit your neighborhood grocery store if regular banking hours aren't convenient for you.
Generally speaking, personal checks are not typically cashed by food retailers. However, you can use the food store to cash other kinds of checks.
In most grocery stores, the check-cashier is open around-the-clock.
Not handwritten checks, but ones with a magnetic link are the ones you can cash.
To cash a check at a grocery shop, you will typically also need a valid ID, so be sure to pack the appropriate paperwork.
Here are a few grocery stores that are open 24 hours a day and a couple that close late but are not open 24 hours.
1. Albertson’s
In the US, there are more than 2,200 Albertson's locations.
Many Albertson's stores are open from 6 a.m. to 11 p.m., despite the fact that they are not open around-the-clock. As a result, many stores have somewhat erratic opening times. Find out the hours of operation for your local store by contacting them.
The $1,000 maximum for Albertson's check-cashing service varies by location, as do the costs.
2. Hy-Vee
Over 240 retail locations are run by Hy-Vee. There is no standard check cashing policy and not every Hy-Vee store offers the service because each one is separately operated. However, some retailers do.
A lot of Hy-Vee locations provide in-store check cashing. The hours of operation for each Hy-Vee store differ, though. Certain stores provide 24-hour check cashing services because they are open 24/7. While many stores are open late, such as from 5 a.m. to midnight, others may not be open around the clock.
Therefore, Hy-Vee provides 24-hour check cashing in a few locations.
Find out when your neighborhood store opens and closes. Call your neighborhood business to find out if it accepts checks, what kinds of checks it does, how much it costs to cash a check, and what kind of identification is needed.
3. Kroger and its subsidiaries
The Kroger Company operates Kroger stores and lots of other subsidiaries. It’s the largest grocery chain in America. Currently, it operates a total of 2,900 locations in the United States.
The company operates a variety of different retail establishments from supermarkets to convenience stores. Its different chains include:
- Baker’s
- Metro Market
- Pay-Less Super Markets
- Pick’n Save
- QFC
- Ralphs
- Ruler
- Smith’s Food and Drug
- City Market
- Dillons
- Food 4 Less
- Foods Co
- Fred Meyer
- Fry’s
- Gerbes
- Jay C Food Store
- King Soopers
- Kroger
- Mariano’s
Kroger locations and some of its subsidiaries have a Money Services center where you can cash checks.
4. Walmart
You'll be relieved to hear that Walmart offers 24-hour check cashing if you've ever wondered, "Can you cash checks at Walmart at night?" Of course, this service is limited to establishments that are open twenty-four hours a day. Verify the hours of operation for your shop.
There is a Money Center at almost every Walmart store where you may cash checks, access other financial services, order money orders, and send money.
To cash a check up to $1,000, Walmart charges an additional $4. There is a maximum fee of $8 if the check is for more than $1,000.
You can cash a variety of different checks at Walmart, including:
- Pre-printed checks
- Government checks
- Payroll checks
- Stimulus checks
- Cashier’s checks
- Tax
- 401k and retirement disbursements
- Insurance settlement checks
5. WinCo Foods
WinCo Foods is another location where you can cash checks. A few WinCo shops are open around-the-clock. To find out its hours of operation, contact your nearby store.
Payroll checks are cashable. Checks for payroll up to $500 in value are subject to a $5 fee. A $10 fee applies to checks between $500 and $1,000 in value.
A phone call to your local shop can help you determine whether your check will be accepted there. It's crucial to remember that WinCo does not take certain types of checks, including insurance settlement checks and two-party checks.
Can I Cash a Check At Walgreens?
During my research for this topic, I received a lot of inquiries concerning the acceptance of checks for cash at specific retailers and 24-hour pharmacies such as Walgreens.
Although Walgreens offered that service, as of 2015, their policy has changed and you are no longer able to cash checks there.
Likewise, with Dollar General. Checks cannot be cashed at Dollar General. even though you can pay for your products at the store with a check.
Final Thoughts: 24-Hour Check Cashing Near Me
There are many locations nearby that provide 24-hour check cashing, which is helpful to know in case you need to cash a check outside of typical business hours.
Try out the locations on our list to receive your money when you need it.