The Best Places to Cash Your Check That Aren't Your Bank!

Working a 40+ hour week is tough, so cashing your paycheck should be easy. Unfortunately, if you don't have access to a bank account or your ID, it can become a real hassle. To help my fellow workers out, I've compiled a comprehensive list of places that will cash your paycheck. From liquor stores to grocery stores and everything in between, you'll find a viable option here.

Easy places to cash your paycheck

This will vary from state to state, but many independently owned liquor stores will cash your check for you. The fees are generally not too steep either. Here is a list of liquor stores that cash checks:

1. Mel's Liquors - Offers check cashing for payroll, business, and tax refund checks with a small flat fee starting at $1 for checks under $100.

2. Southwest Check Cashing & Liquor Store - Located in Baltimore, this store cashes payroll, personal, tax refund, and other checks, typically with reasonable fees.

3. Steve's Discount Liquors - Based in Delaware, they offer payroll, government, and tax refund check cashing along with utility payment services.

4. Tony's Liquor - A local liquor store that offers check cashing services, with low fees for payroll and personal checks (varies by location).

5. Liquorland - Offers check cashing for payroll and government checks with a 1-2% fee, depending on check type.

6. Discount Liquor & Check Cashing - This store provides check cashing services for a variety of checks, with fees starting at $1 for small checks.

7. Beverage Barn - Offers check cashing services for payroll and government checks, charging a small percentage-based fee.

8. Sam's Liquor and Check Cashing - This store offers check cashing for payroll, government, and tax refund checks with fees starting at $2.

If you prefer not to visit a liquor store or need to cash your check when they aren't open, grocery stores can be a fine alternative. Here are some grocery stores that cash checks:

1. Walmart - Offers check cashing services up to $5,000, with fees starting at $3 for checks under $1,000.

2. Kroger - Cashes payroll, government, tax refund, and other checks with fees starting at $3, depending on check type and amount.

3. Safeway - Cashes payroll and government checks with fees around $2.25 per $200. Limit of $1,500 per check.

4. Publix - Cashes payroll and personal checks, with fees varying by location. Check limit up to $500 per day.

5. Food Lion - Cashes payroll and government checks with fees varying by state and store.

6. H-E-B - Offers check cashing for government, payroll, and tax refund checks, with a fee starting at $3.

7. Albertsons - Cashes payroll and government checks, with fees typically around $2.25 per $200.

8. Stop & Shop - Cashes payroll and government checks, usually with a $0.50 fee for checks up to $500.

Grocery stores are great but they are often crowded, requiring you to stand in line for a while. Fortunately, there's another option to get your cash: your local gas station.

Gas Stations that cash checks

1. Pilot Flying J - Cashes payroll, government, and tax refund checks with a small fee, available at most locations.

2. TravelCenters of America (TA) - Offers check cashing services for payroll checks, typically at their truck stop locations.

3. Love's Travel Stops - Cashes payroll and government checks at many locations, with a small fee and limits depending on location.

4. Speedway - Some locations offer check cashing services, typically for payroll checks. Check with your local Speedway for availability.

5. Citgo - Select Citgo stations offer check cashing services for payroll and government checks, with fees varying by location.

6. 7-Eleven - Some 7-Eleven locations with financial kiosks offer check cashing services, though availability and fees vary by region.

7. Chevron - Some Chevron stations provide check cashing services for payroll and government checks, though availability may vary.

8. ExxonMobil - Select Exxon and Mobil gas stations cash checks, usually payroll and government checks, with fees varying by location.

Another option for cashing checks is ATM services. There are standalone ATMs where you can deposit your check and get cash within seconds.

Check cashing ATM machines

1. Wells Fargo ATMs - Provides check cashing services for account holders. Checks can be deposited and cashed at their ATMs, often with instant access to funds.

2. PNC Bank ATMs - PNC customers can deposit and cash checks via ATMs, with funds typically available for withdrawal immediately.

3. Chase Bank ATMs - Chase account holders can cash payroll, government, and personal checks at their ATMs.

4. Bank of America ATMs - Offers check cashing services at ATMs for customers, with immediate access to funds for certain deposits.

5. Citibank ATMs - Citibank account holders can deposit and cash checks at their ATMs, with quick access to funds.

6. Fifth Third Bank ATMs - Customers can cash checks at ATMs, with partial or full immediate access to the check amount.

7. US Bank ATMs - Allows customers to deposit and cash checks through ATMs, with funds becoming available quickly.

8. SAM Check Cashing Machines - Standalone machines located in retail stores, offering check cashing without a bank account. Requires only an ID and phone number.

Nearly all the businesses mentioned in this list require some form of government-issued identification. But if you've recently lost your ID or don't have one, there are still places that offer check cashing without ID.

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Business Name	Location	Alternative ID Forms Accepted	Notes/Apps Accepted
Walmart Money Centers	Nationwide (USA)	Utility bills, employer verification, pay stub	Fees: $3-6; Cash App can be used after check cashing
Speedy Cash	Various locations (USA)	Pay stub, employer verification	Fees vary; typically available for regular customers
Check Into Cash	Various locations (USA)	Pay stub, other employer documentation	Generally for payroll checks; Cash App linking possible
Ace Cash Express	Nationwide (USA)	Pay stubs, employee verification letters	Fees apply; may accept limited forms of ID
PLS Check Cashing	Various locations (USA)	Employer verification, utility bills	Fees vary; possible to link to apps like Cash App after
United Check Cashing	East Coast (USA)	Pay stubs, employer verification	Accepts multiple forms of ID, fees based on location
Payomatic	New York (USA)	Pay stubs, alternative employer verification	Varies by location, fees applied for services
Cash App	Online (App)	N/A	Deposit checks via mobile without physical ID
Ingo Money	Online (App)	N/A	Check deposits via app without ID; fees apply

Bookmark Super Easy CRM for more cash-related content

Super Easy CRM is a platform designed specifically for solopreneurs and small businesses. As such, you'll always find great content aimed at making life easier for 9-to-5s, side hustlers, and CEOs alike. If you enjoyed this article, be sure to check out gas stations and stores that do cash back to save yourself a trip to the bank.

 

Matt is the CEO of Super Easy Tech and creator of Super Easy CRM. He is a passionate software engineer, tech blogger, and gamer. Feel free to connect on any of the platforms listed below.

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Posted by: Matt Irving on 9/07/2023