Check cashing places near me (Open now and 24 hours a day)

Where is the best check cashing place near me?

Check cashing places near you include banks, credit unions, ATMs, Grocery and retail store customer service centers, cash advance stores, and gas station Travel Centers. Each location offers a convenient source for cashing checks, but fees vary depending on location.

You don’t need to worry if the bank is closed and you need to cash a check. Banks are usually the most ideal location to cash a check, but that’s not always an option. 

It’s your money, so you deserve access to your money!

Luckily for you, I’m going to show you the best check cashing places near me so you can cash a check 24/7. My hope with this guide is to make your check cashing the most seamless and hassle-free experience.

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Check cashing places near me

There are several places near you which can cash a check and are open 24/7. Unfortunately, not every location is open all day everyday, but options are available.

Banks and Credit Unions should be your first stop for cashing a check. Unfortunately, banks don’t always have the best hours. Other options for check cashing include ATMs, Grocery and retail customer service centers, cash advance stores, and gas stations.

When check cashing, you need to be aware of fees. If you’re not careful, the service fees can take a large portion of your check.

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Bank or Credit Unions

Your bank or local Credit Union is the best place to cash a check. Typically, most banks offer their members free check cashing. If you don’t have a bank account, you can cash the check at the issuing bank for a fee or endorse the check to someone with a bank account.

You should start cashing checks at your local bank or Credit Union. Check cashing is usually a service that is offered for free to members.

Consider opening a bank account if you don’t have one. Bank accounts are free to open. Typically, opening an account requires a photo ID, social security number, date of birth, a physical address, and a minimum deposit.

You can cash unlimited checks once you’ve opened a bank account. However, what if you can’t open a bank account?

The next best option is to endorse the check to someone you trust with a bank account. Your friend can then cash the check and return you the money. With this method, you’ll avoid extra fees but you are reliant on a friend.

Alternatively, you can cash a check at the issuing Bank. However, if you don’t have an account with the issuing bank they may charge a fee. 

Here is a table for convenience of common bank fees for non-customers. Note: Fees are subject to change and you’ll need photo ID.

Bank or Credit Union Check Cashing Fee (non-customer) Notes
Bank of America Under $50, Free

Over $50, $8 per check

Requires a full-service financial center if you don’t have an account.
Chase Bank $8 per check Read the full agreement
Wells Fargo $7.50 None

Don’t see your bank? Check here for a complete list.

Automated Teller Machines

Most banks will allow you to deposit or cash a personal check using an automated teller machine. Consult the bank for foreign or cashiers checks. A bank account is required with the bank in order to cash a check at an ATM.

A bank account is required because you will have to insert your debit or bank card into the ATM. Once you have inserted your card, follow the on-screen instructions for check cashing. 

Use your bank’s ATM locator in order to find the nearest ATM. Verify your bank allows for check cashing at ATMs prior to making a special trip.

Grocery and Retail Store Customer Service Centers

Grocery and retail stores offer check cashing at the customer service center. Fees will vary depending on the grocery store or retailer. Stores like Walmart can be open 24/7 and offer check cashing solutions.

Grocery and retail stores are one of the most convenient places to cash a check. You will most likely be at one of these stores to do your grocery shopping anyways. However, you will have to pay a fee to take advantage of the service and convenience.

Walmart offers check cashing with fees up to $4 for checks up to $1,000. Checks over $1,000 are subject to a maximum $8 fee. 

Cash Advance Stores

Cash advance stores, like Money Tree, are another option for cashing checks. The advantage of cash advance stores is they are typically open late. However, most cash advance stores charge large fees for check cashing.

In most cases, it would be better to cash your check at Walmart. Cash advance stores make the majority of their money from large fees and payday loan interest rates. Not only is Walmart usually open 24/7, but the fees are cheaper.

Money tree check cashing rates

For example, a cash advance store near me offers check cashing of personal checks for a fee of 5.99%. A check for $200 would cost me $12 at this cash advance store. However, cashing that same check at Walmart is a fee up to $4.

As you can see, you are being charged three times the amount for the same check. Again, most fees can be avoided by having a bank account. However, if cashing your check at a bank is not an option then you shouldn’t pay more than you have to.

Gas Station Travel Centers

Certain gas stations and gas station Travel Centers are able to cash checks. The easiest way to find out which gas stations cash checks is to do a quick Google search. Some gas stations will instead load your check onto a prepaid debit card.

Pilot Flying J and Travel Centers of America are the most popular gas stations which cash checks.

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Summary: Check cashing places near me (Open now and 24 hr per day)

As you can see, there are many places to cash a check near me that are open 24 hours per day. The best and cheapest place to cash a check is your bank or Credit Union. However, not everyone can open a bank account which means you might have to pay some fees.

The next best option is to endorse your check to a friend with a bank account. They can cash the check for you without fees. Some banks may even allow you to cash a check at an ATM.

Your next best option is to cash a check at a grocery or retail service center. For example, Walmart is open 24/7 and charges minimal fees compared to everywhere else.

If you are traveling, you can cash a check at certain gas stations and Travel Centers. You can ask the cashier or do a quick Google search to find out which gas stations cash checks.

The last place you should try and cash a check is cash advance stores. Most cash advance stores charge a large fee for their services. You can almost always find a cheaper place to cash a check.