Have you ever needed to cash a check late at night? Really late? Late, as in after your 2nd shift work hours or super early in the morning?

Luckily, there are places that cash checks around the clock.

If you keep hours that are opposite of traditional working and living hours, you can find places to cash checks for you – even in the middle of the night.

Where to Cash Checks Around the Clock

You generally have three options for cashing checks around the clock. Grocery stores, check cashing stores and banks will likely be your best options.

Here is a list of places that will let you cash your checks any time of the day or night.

Note that many of these check-cashing places will charge you fees. We’re all about saving money, but sometimes you just can’t avoid paying a fee.

However, if you cash your check at some of these locations, you may be able to get out of paying the fee.

If that’s an option, we’ve mentioned it in the coordinating section.

Grocery Stores

There are only three grocery stores we found that are open 24 hours and offer check cashing services around the clock as well.

1. Walmart

You might know that many Walmart stores have check-cashing counters. However, some locations cash checks right at the registers too.

The cash registers are usually your best bet for cashing checks at Walmart during the overnight hours.

See if the money counter is open first, but if it isn’t, head over to a cash register and ask if they’ll cash your check.

The types of checks Walmart cashes include:

• Money orders purchased at Walmart
• Government checks
• Payroll checks
• 401k checks
• Cashier’s checks
• Insurance settlement checks

And potentially others. Note that Walmart won’t cash personal checks, however.

Check-cashing limits vary per Walmart locations. The overall Walmart rule is that they’ll cash checks up to $5,000. Some stores have a self-imposed lower limit, however.

Another thing to keep in mind is that cash registers don’t usually have thousands of dollars in them.

Therefore, when you’re cashing checks late at night, cashiers may not be able to accommodate a very large check.

Walmart charges $3 to cash checks up to $1,000. Checks that are over $1,000 cost $6 to cash.

Note: Not all Walmart locations are open 24 hours. Check with stores near you for hours of operation.

2. Tops Friendly Market

Tops Friendly Market has locations in New York, Vermont and Pennsylvania. Some, but not all, locations are open 24 hours.

Tops will typically only cash some payroll checks and some government checks.  They have a $500 check-cashing limit, and charge $1 per check cashed.

You’ll want to check with your local Tops location to get details on hours and fees.

3. WinCo Foods

WinCo Foods has stores located throughout the Western United States. They have store locations in states including:

• Arizona
• Texas
• Washington State
• Idaho
• Utah
• California

And more.

WinCo stores are open 24 hours in most cases, but typically only cash machine-printed payroll checks. There is a limit of $1,000 for checks cashed.

Fees are $5 for checks up to $500, and $10 for checks between $501 and $1,000.

However, you can get reimbursed for that fee in certain cases when you shop at WinCo.  

As you can see, not many grocery stores are open all night. Later on in the article, we’ll share about grocery stores that are open late at night.

Check Cashing Stores

There are a few check-cashing stores that are open 24 hours at some or all locations. Check out the details on the ones we found, and what they offer.

4. Community Financial Service Center

Community Financial Service Center (CFSC) has locations across the United States. Note that some – but not all – locations are open 24 hours.

CFSC will generally cash payroll checks, personal checks, government-issued checks, insurance checks and some other types of checks.

Fees and check limits can vary per location, so call ahead to find out more details before you go.

5. Speedy Cash

Speedy Cash has locations throughout most of the United States. They cash nearly all types of checks, including:

• Payroll checks
• Insurance checks
• Benefit Checks
• Pension checks
• Student loan checks
• Cashier’s checks
• Money orders

And more.

Speedy Check charges a minimum fee of $2 per check. Details on the fees vary. Note that not all Speedy Cash locations are open 24 hours.

6. PLS Transportation Services and Check Cashing

PLS Transportation Services and Check Cashing has locations around the United States. They’re open 24 hours a day.

They will cash your checks for as little as 1 percent + $1. They’ll cash payroll checks, personal checks, government checks and more. 

Check with individual locations near you if you have questions about whether they’ll cash your check and how much they’ll charge.

Bank ATMs

Some banks have ATMs that are available 24 hours – even when the bank isn’t open. Note: you can only use this method of check-cashing if you are an account holder at the bank that owns the ATM.

As an example, you need to have an account at U.S. Bank if you want to use their ATM to cash your check.

Technically, what you’re doing when you use the ATM isn’t cashing a check.

Instead, you’ll deposit your check into your account using the ATM. Then you can withdraw that amount of money back out of your bank account again.

The process may be different, but either way, you’ll get your cash. Here is a list of banks near you that may have 24-hour ATM access.

7. Citibank

Citibank has ATM locations around the world. If you have a Citibank account you can cash payroll checks, tax refund or other government checks, personal checks, cashier’s checks and more.

There are no fees for cashing your checks using a Citibank ATM. However, there may be some limits on cash amounts due to ATM-specific rules.

8. Citizens Bank

Citizens Bank has over 1,200 locations situated throughout much of the Eastern half of the United States. You can find a Citizens Bank in states including:

• Rhode Island
• Connecticut
• Delaware
• Maine
• Massachusetts
• Michigan
• New Hampshire
• Vermont
• New York
• Ohio
• Pennsylvania
• New Jersey

You can cash payroll checks, personal checks, government checks, cashier’s checks and more at Citizens Bank.

There are no fees for cashing checks there since you need to have an account to do so.

Limits vary based on individual ATM rules.

9. Wells Fargo

Wells Fargo Bank has over 8,000 branch locations across the United States. You can cash government checks, personal checks, payroll checks cashier’s checks there.

You won’t get charged a fee for using a Wells Fargo ATM if you have an account there. Check limits are based on ATM rules.

10. Capital One 360

Capital One has over 750 branch locations. If you’re a Capital One 360 account owner, you can use an ATM to cash your check.

You can cash payroll checks, government checks, tax refund checks, cashier’s checks and personal checks.

There are no fees for cashing checks if you use a Capital One in-network ATM.

Limits on dollar amounts are based on individual ATM rules.

11. U.S. Bank

U.S. Bank has over 3,000 branch locations in the United States. If you have an account there, you can cash payroll, personal, government and cashier’s checks in the ATM.

There are no fees for immediate withdrawal of the funds. The ATMs at U.S.

Bank accept a maximum of 30 checks at one time. Dollar amount limits are specific to ATM settings.  

12. Chase

Chase Bank has over 5,000 branches across the United States.

You can cash payroll checks, government checks, cashier’s checks personal checks and possibly other types of checks using the ATM.

There are no fees for check deposit and withdrawal through the ATM if you are a Chase customer.

Chase ATMs accept a maximum of 30 checks at one time. Dollar amount limits vary based on ATM settings.

13. SunTrust Bank

SunTrust Bank has over 1,400 locations in the Eastern and Southeastern United States.

Branches are in states including:

• Alabama
• Arkansas
• Washington D.C.
• Florida
• Georgia
• Maryland
• Mississippi
• North Carolina
• South Carolina
• Tennesse

And more.

SunTrust will cash personal checks, payroll checks, government checks and cashier’s checks.

There are no fees for using the ATM if you are a SunTrust customer. Cash limits through the ATM vary per machine.

Some checks deposited may have to wait until the next business day for withdrawal.

14. Bank of America

Bank of America has over 4,500 bank locations throughout the United States. It’s considered one of the “Big four” banks, along with JP Morgan Chase, Wells Fargo and Citigroup.

You can cash payroll checks, government checks, personal checks, cashier’s checks and potentially others.

Note that checks cashed at Bank of America ATMs must be manufactured with magnetic ink.

For example, home-printed checks (those in which the routing and account number are printed from home printers) aren’t allowed to be deposited and immediately withdrawn via ATMs.

There are no fees for cashing checks if you’re a Bank of America customer.  Bank of America ATMs typically will only accept 10 checks for ATM deposit at one time.

15. Valley National Bank

Valley National Bank has over 200 locations in states including New Jersey, New York and Florida.

There are branch locations in Pennsylvania and Alabama as well.

If you’re an account holder, you can cash personal, payroll, government and cashier’s checks there.

There are no fees for cashing checks via Valley National Bank ATMs.

Deposit and withdrawal limits are subject to individual ATM settings and rules.

16. TD Bank

TD Bank has approximately 1,300 locations in Eastern U.S. states, including:

• Connecticut
• Delaware
• New York
• Florida
• Maine
• North Carolina
• New Jersey
• New Hampshire

And others. TD Bank customers can cash payroll checks, personal checks, cashier’s checks, government checks and possibly others at TD Bank ATMs.  

There are no fees for cashing checks through the ATM. Check cashing limits include a maximum deposit of 30 checks at one time.

Cash back limits vary per ATM settings.

17. Sterling National Bank

Sterling National Bank has dozens of bank locations with 24-hour ATMs in the New York area.

Account holders can cash payroll checks, personal checks, government checks, cashier’s checks and possibly others.

There are no fees for cashing checks if you are a Sterling National Bank account owner. Dollar limits are based on ATM settings and rules.

18. M&T Bank

M&T Bank has nearly eight hundred branch locations on the Eastern Coast.

They are currently operational in nine U.S. states:

• New York
• Delaware
• Pennsylvania
• New Jersey
• Maryland
• Virginia
• West Virginia
• Washington D.C.
• Connecticut

You can cash payroll checks, government checks, cashier’s checks and personal checks at M&T. There are no fees for cashing checks if you are a customer.

Note that some ATMs won’t credit accounts for checks deposited after 8 p.m. until the following business day.

19. Fifth Third Bank

Fifth Third Bank has over 1,100 locations located in ten different Midwestern and Southeastern U.S. states.

You can find a location in the following states:

• Ohio
• Kentucky
• Indiana
• Michigan
• North Carolina
• Georgia
• West Virginia
• Illinois
• Florida
• Tennesee

Fifth Third Bank will cash payroll checks, government checks, cashier’s checks and personal checks.

There are no fees for cashing checks if you are a current Fifth Third Bank customer.

Note that check cashing limits may vary via ATM location.

20. City National Bank

City National Bank (CNB) is headquartered in Los Angeles, California. The company has over 70 branch offices and service centers in states around the U.S.

You can find branches in California, Nevada, New York, Minneapolis, Tennessee, Georgia and Washington D.C.

As an account owner, you can cash payroll checks, government checks, cashier’s checks and personal checks at CNB ATM locations.

There are no fees for cashing checks if you are a customer. Note that there is a limit of five checks you can deposit at one time.

Cash back amounts vary based on ATM settings and limits.

There you have it; 20 different places to choose from to cash checks around the clock.

Now, here are some options for cashing checks late into the night, but not overnight.

These stores and check cashing facilities are open late, sometimes as late as between 10 p.m. and midnight.  

Gas Stations That May Cash Your Checks

There are some gas stations that might cash your checks for you. Check out these options

21. 7-Eleven

7-Eleven has tens of thousands of locations in the U.S. and around the world.

Many stores are open 24 hours a day, 7 days a week. Most will charge a fee for cashing your check.

And all locations will ask for an official ID with a photo that matches the name on the check.

22. Pilot Flying J

Pilot Flying J stores are truck stops and travel centers that may cash your checks. Many locations are open 24 hours, and there are locations throughout the U.S.

Check individual locations for fees, and expect to show an ID in order to get a check cashed.

Where to Cash Your Checks Late at Night

The following grocery stores and check cashing stores may be open late in your area – as late as midnight.

Grocery Stores

These grocery stores keep later hours than other stores in your area may. Note that not all locations have later hours. Check with your local store location for details. 

Food Lion

Food Lion has over 700 locations in ten Mid Atlantic and South Atlantic states, including:

• North Carolina
• South Carolina
• Virginia
• West Virginia
• Georgia
• Maryland

And more. Most Food Lion locations are open until 10 p.m. They’ll generally cash most machine-printed payroll checks and personal checks.  

There is a $500 limit on checks cashed at Food Lion at most store locations. Contact your local Food Lion for information regarding check-cashing fees.

Giant Eagle

Giant Eagle has over 400 grocery store locations in the U.S. You can find locations in Pennsylvania, Maryland, Ohio, West Virginia and Indiana.

Some stores are open 24 hours; most are open later – as late as 11 p.m.

Giant Eagle stores will cash payroll checks, government checks and personal checks. Other types of checks may be able to be cashed as well.

See individual store locations for information on check-cashing fees.

Ralph’s

Ralph’s supermarket is a subsidiary of Kroger’s and operates over 200 store locations in Southern California.

Most locations are open until midnight. They’ll cash payroll checks, government checks, insurance checks and more.

Check cashing fees and limits vary based on location See your local Ralph’s store for more information.  

Kmart

Kmart has an unknown number of locations in the U.S., in all but 5 states. Most locations are open until 10 p.m.

However, you should check your local Kmart store to verify hours.

Kmart stores will generally cash most payroll checks, government checks and two-party personal checks. 

Fees vary based on location, but generally run between 50 cents and $1 per check cashed. See your store location for check cashing limits and other information.  

Fred Meyer

Fred Meyer grocery stores are located in Washington state, Oregon, Idaho and Alaska. Most stores are open until 9 p.m.

They cash government and payroll checks up to $5,000. There are fees of $3 for checks up to $2,000 and $5 for checks over $2,000.

Kroger

Kroger has over 2,000 grocery store locations in 34 states the U.S. Most Kroger stores are open until 9 p.m. Kroger will cash many different types of checks, including:

• Payroll checks
• Government checks
• Tax refund checks
• Insurance checks
• Some business checks

Fees and other check cashing rules vary by location. Check with your local Kroger store or subsidiary for more information.  

Hy-Vee

Hy-Vee has over 240 grocery stores located throughout the Midwest, including the following states:

• Iowa
• Illinois
• Kansas
• Minnesota
• Missouri
• Nebraska
• South Dakota
• Wisconsin

Check cashing is available at some – but not all – Hy-Vee locations. The types of checks you can cash at Hy-Vee stores will vary upon location. Store hours and fees will also vary.

Some Hy-Vee stores are open 24 hours. Most are not. Check with your local store location for information on hours and fees.

Publix

Publix has over 1,200 locations in the Southeastern United States. You can find Publix stores in the following states:

• Florida
• Georgia
• Alabama
• South Carolina
• Virginia
• North Carolina
• Tennesse

Most Publix stores are open until 10 p.m. and will cash personal checks and payroll checks. Check cashing fees and limits vary depending on location.

Wegman’s

Wegman’s has nearly 100 grocery stores located in six U.S. states. You can find Wegman’s stores in New York, Pennsylvania, New Jersey, Maryland, Virginia and Massachusetts.

Most Wegman’s locations are open until midnight. A few are open 24 hours. See your local Wegman’s store location for information on check cashing fees and other policies.

Hannaford Brothers

Hannaford Brothers supermarkets operate nearly 200 locations in seven U.S. states, including:

• New York
• Maine
• Vermont
• New Hampshire
• Massachusetts
• Rhode Island
• Connecticut

Most store locations are open until 9 p.m. Hannaford Brothers will cash most payroll checks, government checks and pension checks. 

See individual store locations for information regarding check cashing fees and limits.

Fry’s Food Stores

Fry’s Food Stores has 123 supermarkets located in the state of Arizona. Many Fry’s customer service desks are open until midnight.

This is where you need to go to cash a check.

You can cash payroll checks, government checks, tax refund checks and more at Fry’s. Fees run between $3 and $5, depending on the size of the check you’re cashing.

Most stores will let you cash checks for up to $5,000. Call your individual location for more information.

There are also a few check cashing stores that are open later than traditional business hours.      

Check Cashing Stores

The following check cashing stores may be open late. Check with your local store for information on hours. 

CheckSmart

CheckSmart is a subsidiary of Community Choice Financial. They’ve got over 500 locations around the U.S. You can find a CheckSmart in states such as:

• California
• Arizona
• Oregon
• Florida
• Alabama
• Mississippi
• Virginia

And others. Stores are open as late as 8 p.m. depending on the day of the week and the store location. CheckSmart cashes all types of checks, according to their website. Check cashing fees may vary per location.

Money Mart

Money Mart has check cashing stores in several states, including:

• Alaska
• California
• Florida
• Hawaii
• Kansas
• Louisiana
• Virginia

And more.

Money Mart will cash payroll checks, government checks, small business checks, personal checks and more.

They’ll cash money orders as well. Fees and store hours vary by location.

You can find Money Mart locations open as late as 9 p.m. on Fridays and a bit earlier on other days.

United Check Cashing

United Check Cashing has locations throughout the United States. You can find stores in Colorado, Texas, Florida and throughout the Mid Atlantic states.

Store location hours vary depending on the state and the day of the week. Some stores are open as late as 9 p.m. You can cash payroll checks, government checks, insurance checks and tax refund checks here.

Other checks may qualify depending on the type of check and the store location rules. See individual locations for information on check-cashing fees.

Alternatives to Avoid Late Night Check Cashing

There are many places to cash checks late at night when need be, as listed above.

But what if you could avoid the need to cash checks altogether? Here are some options for doing so.

Sign Up for Direct Deposit Payroll

If you have your company give you your paycheck via Direct Deposit, you can avoid having to worry about finding a place that will cash your checks late at night.

Your paycheck goes automatically into your bank savings or checking account. Then you can simply go to a local ATM machine to get your money out.

Unsure about opening a bank account? Many banks offer totally free checking and savings accounts. And bank accounts with FDIC insurance ensure your money will never be lost due to bank error.

Get Paid in Cash

If you have to cash personal checks late at night, how about asking to get paid in cash? This is especially important if you’re selling items on Craigslist or a similar site.

That way you don’t run the risk of getting a bad check.

If you use one of these two alternative methods of getting paid, you can avoid the fees that come with cashing checks at the places above too.

Summary

Not everyone has the ability to go to the bank or a check-cashing store during normal daytime business hours. You might work a shift that doesn’t allow you to keep normal business banking hours.

Or, you may have other reasons why you can’t cash your check during the day. If you can’t get to stores or banks during normal business hours to cash a check, you do have options. Use the information above to find ways to cash checks during the hours that work for you.

Open an account at a bank with 24-hour ATM access in order to avoid paying check-cashing fees. Having your own bank account will surely make it easier to cash checks and/or pay bills. 

Have you ever had to cash a check late at night or very early in the morning? If so, where did you go? Share your experience in the comments section.