If you need to cash a check at an unusual time, it’s useful to know which locations offer 24-hour check-cashing services. Here are 26 locations where you can cash checks at any hour, and some even provide free check-cashing services.
Banks Offering 24-Hour Check Cashing Services
1.Bank of America
Bank of America provides 24-hour check cashing at its ATMs. The bank manages both domestic financial services and international assets, with over 4,000 branches and 15,000 ATMs worldwide. Please note that home-printed checks might not be accepted at ATMs unless they contain magnetic ink.
2.Capital One
Capital One operates more than 700 branches across the United States. If you are an account holder, you can cash checks for yourself, your employer, or the government. For more details on Capital One’s check cashing services and other benefits, visit their website or reach out to their support team.
3.Chase Bank
Founded in 2000, Chase Bank’s parent companies have a much longer history. Chase ATMs allow you to cash various types of checks. However, these ATMs have a limit of 30 checks per deposit.
4.Citibank
Citibank has ATMs both within the United States and internationally. To cash checks at Citibank ATMs, you must have an active account with the bank.
5.Citizens Bank
Operating in 11 states, Citizens Bank has over 3,100 ATMs and 1,000 branches. They offer check cashing services for personal, tax, and other types of checks. If you’re not a customer, there is a flat $7 fee.
6.Fifth Third Bank
Fifth Third Bank is well-known in the Midwest and Southeast U.S. Account holders can cash personal, government, payroll, and other checks. With over 2,400 ATMs, there is a minimum fee of $4 and a maximum fee of $25, which is 1% of the check’s value.
7.M&T Bank
M&T Bank has nearly 800 branches across various states. Customers can use their ATMs to cash government, payroll, and other checks.
8.TD Bank
Operating in 15 states, including Washington, D.C., TD Bank brands itself as “America’s Most Convenient Bank.” If you have an account with TD Bank, you can cash personal, government, payroll, and other checks. Additionally, you can deposit up to 30 checks at once using their ATMs.
9.US Bank
With over 4,700 ATMs, US Bank is the fifth-largest banking institution in the U.S. It is the parent company of U.S. Bank National Association.
10.Wells Fargo
Wells Fargo operates over 13,000 ATMs and more than 8,000 branch locations worldwide. Your ATM withdrawal limits may be subject to change based on your bank settings. For any adjustments, you can contact the customer support team.
24-Hour Check-Cashing Grocery Stores
11.Albertsons
Albertsons is a popular grocery store that provides check-cashing services. They cash government and payroll checks for reasonable fees. However, they do not accept personal or handwritten checks.
12.Food City
Food City accepts a wider range of checks compared to many competitors. They cash government, payroll, rebate, and stimulus checks.
13.Hy-Vee
Many Hy-Vee locations offer in-store check-cashing services. The operating hours may vary by store, but some locations are open 24/7.
14.Kroger and Subsidiaries
Kroger and its affiliated stores may provide check-cashing services. However, the availability of these services,
15.Walmart
Walmart offers 24-hour check-cashing services at locations that are open all day. The service is only available at those stores that operate around the clock.
Read Also: 20 Best Stores Like Hobby Lobby for Crafters on a Budget [2025 Guide] (Save Big!)16.WinCo Foods
Some WinCo stores are open 24/7. They accept payroll checks, with a fee of $5 for checks up to $500 and $10 for checks between $500 and $1,000. To confirm the hours, contact your local store.
17.Tops Friendly Markets
Tops Friendly Markets cashes checks at certain locations. Some stores are open from 6 a.m. to midnight, while others provide 24-hour banking services. Check with your nearby store for details on their hours.
24-Hour Check-Cashing at Convenience Stores and Gas Stations
18.7-Eleven
Many 7-Eleven locations cash checks using a service called Transact. You can load your check onto a debit card through this service.
19.Speedy Cash
Speedy Cash charges a $2 fee to cash checks. Not all locations are open 24/7, so it’s important to verify hours for your nearest branch.
20.Pilot Flying J
Check cashing is available 24/7 at Pilot Flying J locations. There is a limit of $1,000 per check. Fees vary based on location.
21.Road Ranger
Road Ranger provides 24/7 check cashing at all locations. Both fueling and non-fueling customers can cash checks up to $999.99 for a fee.
22.TravelCenters of America
All TravelCenters of America sites are open 24/7. They accept payroll checks for NATSO and approved company accounts at their convenience stores and gas stations.
23.Advance Financial
Certain Advance Financial locations are open 24/7 for check cashing. Please check your nearest store for exact hours.
24.Community Financial Service Centers (CFSC)
Not all CFSC locations offer 24-hour check cashing, so verify hours before visiting.
25.Pay-O-Matic
Select Pay-O-Matic locations operate 24/7, with fees of 2.27% of the check amount. They accept both printed and handwritten checks.
26.PLS Check Cashing
PLS Check Cashing locations are open 24/7 and accept a wide range of checks for cashing.
FAQ’s: 26 Best 24-Hour Check Cashing Locations Near You (Quick & Simple)
Do you have to wait 24 hours to cash a check?
Typically, after depositing a check, you may need to wait until the next business day for the funds to be available. However, this waiting period can differ depending on the bank’s policies. Some check-cashing services provide instant access to funds without requiring a bank account, though they often come with high fees.
What is the most a check cashing place will cash?
Check-cashing services typically do not have specific dollar limits. Whether it’s a small check for $50 or a larger one, you can usually cash it right away without restrictions. However, some services may impose fees based on the check’s amount.
What is a cheque cashing facility?
A cheque-cashing service allows you to receive immediate payment for a cheque, either in cash or directly into a bank account. This process is faster than depositing a cheque into a bank and waiting for it to clear.
Does Cash App cash checks?
Yes, Cash App allows eligible users to deposit various types of checks, including paychecks, personal, cashier’s, or government-issued checks. This service provides a fast, secure, and convenient way to access funds without needing to visit a bank or store.
Can I deposit a check at an ATM?
Yes, many ATMs allow check deposits, providing a convenient option outside of regular banking hours. The process typically involves inserting the check into the ATM, and the funds will be accessible after the deposit is processed.
