Do you need to cash a check when your bank is closed?

Do you want to get your check cashed in at night?

If your answer to these questions is Yes, then congrats to you pal, you have arrived at the right destination.

Check Cashing Meme

Sometimes you have to cash a check after hours or on the weekend. Traditional bank lobbies, credit union branches, and banks do not operate around the clock.

Well, the good news is that some check cashing facilities that are open 24/7 or till late at night come to your rescue.

Check Cashing Facility

I personally had to cash in paychecks in the middle of the night because I needed money for the following day. Fortunately, there are a lot of locations close to me that offer 24-hour check cashing. 

This is great since it eliminates the need for me to wait around for the location to open if I need cash late at night or early in the morning.

So, If you seek to avail of check cashing services late at night then it will be beneficial for you to continue reading this blog and know about the places which provide round-the-clock check cashing services.

Let’s get into this in detail.

What Is A Check Cashing Service?

Cash Counting (Looney Tunes GIF)

Check-cashing services provide you access to your money even if you don’t have a bank account. By paying a fee, you can use these services to cash checks other than your paycheck also.

They are a component of the underbanked or unbanked financial services system for millions of Americans. 

Check-cashing services allow people to access the money in their paychecks if they are unable to open a standard bank account or if they require quick, easy cash. 

Some merchants, like Walmart, also provide check-cashing services in addition to stand-alone check-cashing businesses.

However, there may be drawbacks and excessive expenses associated with check-cashing services. It’s crucial to be aware of your options before choosing to employ a check-cashing service.

Pre-requisite of Check Cashing

Here are some of the essential information which you should keep in mind before going for cash checking:

  • A driver’s license, passport, resident alien ID, military ID, tribe national or reserve ID, or state-issued ID are all examples of the kind of documentation you should typically bring with you while cash checking.

Also, Read About The Age Verification Solution: A Safe Bet to Keep Minors Away

  • Government checks, bank or cashier’s checks, or money orders are the only forms of checks that are typically cashed at some locations since they can be quickly verified. 
  • Some places may also cash personal checks, but they might wait a few days before giving you the money to make sure the check cleared first.
  • Along with the check, you must also bring your social security number or taxpayer identification number. 

Additionally, make sure you are aware of the cost of the fees because it might vary as per the different nature of checks.

For example, simply because there is less chance it will bounce, that $1,200 tax refund check can possibly be less expensive to cash than a $100 personal check.

Hot Tip 🔥: Therefore, if you’re comparing prices, be sure to look at pricing for the precise check you want to cash.

Top 10 Places To Cash Checks Near Me

Around the world including in the United States, there are countless check-cashing businesses. Most don’t stay open all night, but some definitely do. 

Here is a list of the top 10 check cashing businesses, some of which are open round-the-clock to serve your needs.

1. Speedy Cash

Speedy Cash Home Page

Nearly all forms of checks can be cashed at Speedy Cash, it is a check cashing and payday loan business. Payroll checks, government checks, and personal checks, including student loan checks, can all be cashed. 

Along with accepting other checks, they also cash settlement checks, insurance checks, and money orders. 

That is good, right?

Arizona, Arkansas, California, Colorado, Georgia, Kansas, Kentucky, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, and Texas are among the 14 states where Speedy Cash operates stores. 

Not all of their sites are open 24/7, but some are. You can easily find the nearest Speedy Cash Store on their website.

Speedy Cash Store in the United States

One needs to pay a minimum fee of $2 at Speedy Cash to cash a payroll or government check. The fee ranges from 2% to 2.50% of the check’s value. However, higher fees might apply to other kinds of checks. 

Additionally, keep in mind that check-cashing businesses like Speedy Cash are only suitable for that purpose; do not utilize them for other purposes like predatory lending. 

Predatory lenders are those who offer payday loans, title loans, or any of these other types of credit. In certain states, they are against the law! 

2. Walmart

Walmart Check Cashing Service Page

Near the entryway of almost every Walmart store is a check-cashing financial services counter.

The procedure is carried out at the money services centre or customer service desk. When the store is open, the check-cashing and money services counter should be accessible. 

If the store is operating around the clock, then so is the check-cashing service. Pre-printed checks, government and payroll checks, cashier’s checks, two-party personal checks, and more are all cashed by Walmart. 

You can also ask the cashier to cash your cheque if the counter is closed for some reason. But in contrast to the service counter, the cashier could have a reduced check cashing limit.

To cash a check up to $1,000, Walmart charges up to $4. You will only be charged a maximum cost of $8 if the amount is over $1,000, according to local rules.

Bring a legitimate ID, because finding any locations where check cashing happens without ID will be challenging.

3. PLS 24/7

PLS 24/7 Check Cashing  

PLS has locations in 12 states of the USA: 

IllinoisNew YorkTexas
IndianaNorth CarolinaWisconsin

Some of the stores, but not all, are open round-the-clock. Payroll checks, government checks and most of the other checks can be cashed by PLS 24/7, even if they are from another state too. Personal checks can also be cashed there. 

A fee of 1% of the check’s value plus $1 must be paid in order to cash a payroll check, government benefit check, or money order for less than $1,000.

Additionally, PLS provides free money orders, utility and other bill-paying services, Western Union money transfers, and direct deposit. 

Furthermore, your employer can pay PLS for direct deposit, and you can go there to pick up your money in cash.

4. Payomatic

Payomatic Check Cashing Services

In the northeast, Payomatic operates over 140 locations. Brooklyn, the Bronx, Manhattan, Long Island, Queens, and the greater NYC area are where they are mostly found.

You can locate a Payomatic with 24-hour check cashing nearby if you reside in New York.

Payomatic Stores Location
  • Types of Checks Eligible At Payomatic:
Cash Stimulus checksAttorney settlement checks
Insurance checksState refund checks
Lawyer ChecksMoney Order

The fee for Payomatic is 2.27% of the check’s value. Therefore, it would cost  around $2.27 to cash a $100 check at Payomatic and you will have to spend $45.40 to cash a $2,000 tax refund. 

Note: Personal checks can not be cashed through Payomatic.

5. Community Financial Service Center

Check Cashing Service in CFSC

With 200 sites across the country, Community Financial Service Center (CFSC) provides check cashing, money transfers, electronic bill payments, prepaid debit cards, foreign currency exchange, ATMs, and more. Plus, many places are open all the time.

  • Types of Checks Eligible At CFSC:
Payroll ChecksSSI Checks
Government ChecksUnemployment Checks
Stimulus ChecksVeterans Benefit Checks
Social Security ChecksIncome Tax Refund Checks

You won’t have to wait for the money to clear as you would with a regular bank, and there is no monthly maintenance cost. 

Every CFSC location is open on Saturdays. You’ll also notice that there are numerous check-cashing locations there that are open on Sunday too.

6. Winco Foods

Winco Foods Store Locator

In the western portion of the country, WinCo Foods operates more than 125 locations. They have locations in Wyoming, Montana, Arizona, Utah, Idaho, Nevada, Washington, Oregon, and California in addition to Texas, Oklahoma. 

Except for a few, almost every Winco location is open around-the-clock, every day of the week. 

For checks less than $500 and over $500, Winco will levy a $5 token and a $10 token respectively. You can also use your token to make purchases at Winco’s grocery store.

The first time you cash a payroll check from Winco Foods, you must have a valid state-issued ID and the ability to show proof of work from your employers. 

Note: WinCo, however, would only accept payroll checks for a maximum of $1,000 per person. Additionally, they will accept up to two payroll checks the same week. To be cashed at WinCo, your payroll checks must also be machine produced.

7. Kroger

Kroger Check Cashing Service

City Market, Fry’s, Owen’s, King Soopers, Fred Meyer, Baker’s, Dillons, Ralphs, Pay Less, Smith’s, Gerbes, and QFC are owned and operated by Kroger supermarket. 

There is a money services desk offering various financial services at each site. All of its check cashing places are typically open seven days a week.

If you have a Kroger loyalty card, you can cash a $100 check for $4.00 at the majority of stores and it will cost you $4.50 if you don’t. 

For $7.00 with a Kroger card or $7.50 without, you may cash a $2,500 check. Plus, checks are only permitted for up to $5,000.

Furthermore, there are more than 1950 Kroger grocery locations in 31 states of the USA including Alaska.

Kroger Store Location Map 

8. Dillons

Dillons Website

It’s challenging to know which gas stations have cash checking services.

Since you probably buy gas one to two times per week, a gas station is the most practical location to cash a check. 

  • Types of Checks Eligible At CFSC:
Payroll ChecksBusiness Checks 
Income tax refundGovernment
Insurance settlementStimulus Checks

24 gas stations and 93 grocery stores can be found under Dillons. To cash a check, you must visit the Dillons grocery located next to the round-the-clock gas stations. 

Fees for cashing checks range from $3 to $5,000 and start at $3. But sadly, they are unable to accept handwritten personal cheques.

9. 7-Eleven

Seven Eleven

An unconventional check cashing alternative is provided by one of the largest convenience shops 7-Eleven Check Cashing System. To meet your demands, you must sign up for 7-Eleven’s Transact prepaid Mastercard

Transact Prepaid Mastercard by 7 Eleven

The card’s characteristics can help you avoid needing to cash checks in the future or can be used as a substitute for check cashing. 

The card includes a mobile app that lets you deposit checks onto your card and has a direct deposit feature. For convenience, some locations include a kiosk that offers such check-cashing service.

10. ATM Machines of Banks

Finally, a 24-hour ATM machine of banks such as Bank of America, Wells Fargo, etc will be your best bet if you need to cash a check after business hours.

There are a few general stores and check cashing businesses that are open 24/7, however, a lot of banks offer access to ATMs around the clock. 

Technically speaking, using an ATM prevents you from cashing checks. But you can still use the ATM to convert the cheque into cash, though.

Put the check directly into the ATM. After that, you are only making a withdrawal, which is a deceptive method to cash a personal check—or any check, for that matter. 

Keep in mind that using a small local bank or credit union will cost you significantly less than using a major national bank. 

Remember that using this approach requires having a bank account with the institution that owns the ATM. It will work even if your bank might collaborate with the bank that owns the ATM if you don’t already have an account there.

For illustration purposes, there are several sites for Bank of America all throughout the world. In actuality, they have more than 15,000 ATMs and over 4,000 branch locations globally. 

Bank Of America Website

One can easily avail of its services at any hour of the day. But a personal check must be printed using magnetic ink in order to be cashed at a Bank of America ATM. In other words, a cheque printed at home won’t be accepted by an ATM. 

Pros and Cons of Check-Cashing Services

Pros and Cons Time GIF
Access to the money in real-time without having to wait for checks to clear.Fees can be very costly.
Its customer service locations and hours are more convenient than banks.Cash carrying can turn out to be dangerous.
Financial services are available to those who are underbanked, unbanked, or may not wish to acquire a bank account.Check-cashing businesses might attempt to market dangerous, high-interest payday loans.
No insurance to protect your money.


There are many alternatives available to you whether you want to cash a personal check, money order, cashier’s check, or any other kind of check. 

Visit your neighborhood Walmart or any 24-hour check cashing facility if you need to cash checks after business hours. 

The next best course of action is to cash the check at the bank that issued it, where the bank can immediately confirm the existence of funds and convert your check into cash. 

Last but not least, keep in mind that the place you go to cash a personal check and the cost you will pay will depend on whether you need cash right away or can wait until the next business day.

Frequently Asked Questions (FAQs)

  • At the issuing bank (bank name that is pre-printed on the check).
  • Visit a business that cashes checks ( such as discount department stores, grocery stores, etc.)
  • Cash the check at a business that cashes checks, such as Speedy Cash, Payomatic, etc.

Ans: There are many well known check cashing businesses that can cash a check, but keep in mind that not all of them will do so in real-time or for all types of checks.

One may need to look around a bit to find the place that can cash a personal check that is made out to you.

Ans: You may sign over a paper stimulus check to another person. But the recipient must determine whether their banking institution accepts signed-over checks or checks from third parties.

If both parties sign the back of a stimulus cheque, most banks will let someone else cash it.

Ans: Unless it’s a regular bank and you are a customer, you should prepare to pay a fee for each check. Traditional banks and credit unions may also charge you a fee in specific circumstances.

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