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Having 24-hour accessibility to nearby gas stations offering check cashing services can be convenient in emergencies.
In today’s era, many people prefer online bank transfers or digital payment services such as PayPal or Zelle for receiving payments, diminishing the usage of traditional checks.
While some still receive payment by check, finding a convenient place to cash them is essential. Gas stations and convenience stores are excellent options due to their flexible opening hours compared to banks.
If you receive your pay on the 15th or 30th, and these days fall on a weekend or holiday, cashing your check at the bank may be inconvenient due to limited hours. In such cases, some individuals consider using gas stations for check cashing.
Gas stations often offer additional services, making them convenient for tasks like cashing money orders or obtaining cashback.
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Do gas stations cash checks?
You can cash a check at certain gas stations and convenience stores. Check out the details in the post below.
Unfortunately, most gas stations do not cash any checks. However, a limited number of gas station chains still provide check-cashing services. Gas stations connected to grocery stores often provide check-cashing services, though they may not always be available directly at the gas station. You might need to go inside the store to cash your check.
Before visiting, you should call in advance and ask about the services available at your particular location.
Here is a list of gas stations and grocery stores with nearby check-cashing services, arranged alphabetically.
Key reminder: Many gas stations do not accept personal checks due to the increased risk of check scams and fraud.
Type of checks
Various types of checks exist, such as:
- Payroll checks
- Starter checks
- Money orders
- Third-party checks
- Cashier’s checks
- Insurance checks
- Government checks
- Traveler’s checks
Keep in mind that not all gas stations cash all types of checks. While most accept payroll checks, you should inquire about other types.
What gas stations can cash checks?
Here is a list of prominent fuel stations that accept various types of checks, including personal, government, and payroll checks.
1. 76
76 is a well-known chain of gas stations.
Do 76 cash checks?
You can cash checks at 76, but it’s available only at specific locations. Make sure to call your nearby station in advance to confirm.
2. 7-Eleven
With over 9,500 7-Eleven stores across the United States, numerous locations offer financial services, such as cashing money orders at many 7-Eleven locations.
Do 7-Eleven cash checks?
7-Eleven stores offer check cashing services using a program called Transact. Through Transact, you can load your payroll check onto a debit card.
Transact accepts all check types, and you can access check cashing services 24/7 at 7-Eleven.
3. Albertson’s
Albertson’s operates over 2,200 stores throughout the United States.
Does Albertson’s cash check?
Albertson’s check-cashing service has a limit of $1,000, and fees depend on the specific location.
4. Casey’s General Stores
Casey’s General Stores operates 2,146 stores across 16 states in the Midwest and Southern United States.
Does Casey’s General Stores cash checks?
It’s possible to cash checks at certain Casey’s General Stores locations, though it’s important to note that not all stores offer this service. For those that do, it’s worth keeping in mind that they typically only cash local checks issued within the same county as the store. If you’re unsure whether a specific Casey’s location offers check cashing, it’s best to contact them directly or visit their website to find out more.
5. Chevron
The company sells its products at over 8,000 Chevron and Texaco retail stations throughout the United States. These stations include both franchised and company-owned locations.
Does Chevron cash checks?
Some Chevron stations cash checks, but it varies based on ownership. Contact your nearby gas station to confirm their check-cashing policy.
6. Citgo
Citgo operates over 5,000 gas stations across 30 states.
Does Citgo cash checks?
You can cash checks at certain locations. Before your visit, ensure you call and confirm that the specific station provides check cashing services.
7. Conoco
Conoco operates in approximately 2,000 locations nationwide.
Does Conoco cash checks?
Certain places accept and process checks. Call your local station for more information.
You can check if your local station cashes checks by calling them.
8. Dillons
There are 94 Dillons stores.
Does Dillons cash checks?
Dillons serves as a store and a gas station; all locations offer check cashing services. To cash a check, you must visit the store. The check cashing limit is $5,000, making it one of the highest on the list. Fees begin at $3.
Dillion does not accept personal checks. However, it accepts various other types of checks, including payroll, income tax refund, insurance settlement, government, and business checks.
9. ExxonMobil
ExxonMobil operates over 12,000 locations nationwide.
Does ExxonMobil cash checks?
Certain places accept and process checks. Check if your local station cashes checks by calling ahead.
10. Food City
Food City is a supermarket chain operating over 132 locations across Alabama, Georgia, Kentucky, Tennessee, and Virginia.
Does Food City cash checks?
Food City accepts various checks, including payroll, rebate, stimulus, and government checks. While not open 24/7, Food City offers flexible hours. The check cashing limit is $1,000 with a $3 fee.
11. Fred Meyer
Fred Meyer operates over 130 stores across the United States, primarily in Washington. Additionally, they have locations in Alaska, California, Idaho, and Oregon.
Does Fred Meyer cash checks?
Certainly! You can cash checks at Fred Meyer, with a limit of $5,000, one of the highest among options. A $3 fee applies.
12. GetGo
GetGo convenience stores, owned by Giant Eagle, operate over 260 locations nationwide. These stores are in Indiana, Maryland, Ohio, Pennsylvania, and West Virginia.
Does GetGo cash checks?
GetGo is one of the few gas stations that cash personal checks, a service uncommon at most gas stations. However, there is a $30 fee for cashing personal checks. Before processing the check, the store will review your cashing history and records. Additionally, GetGo accepts other types of checks, such as payroll, stimulus, and government checks.
Cashing a child support check at GetGo is fee-free.
13. Hy-Vee
Hy-Vee runs over 240 retail stores across the Midwest, covering states such as Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, South Dakota, and Wisconsin.
Does Hy-Vee cash checks?
Certain locations offer check-cashing services, but their policies differ. There’s no universal check-cashing policy; it varies by store. To find a nearby Hy-Vee store that cashes checks, use the Hy-Vee store locator.
Stores offering check-cashing services typically have limits between $2,000 and $5,000, with fees ranging from $2 to $6 per transaction.
14. King Soopers
King Soopers operates 118 locations, primarily in Colorado, with additional stores in Wyoming. Many of these stores feature attached gas stations.
Does King Soopers cash checks?
King Soopers, part of the Kroger family, follows the check policy of other Kroger-owned stores. While personal checks are not accepted, King Soopers allows cashing various other checks, including stimulus and government checks.
15. Kroger
Kroger operates over 2,800 stores across 35 states, so there’s a good chance you’ll find a store nearby.
Does Kroger cash checks?
Certainly, Kroger allows cashing various checks, including payroll, insurance settlement, government, tax refund, business, and stimulus checks. However, starter, third-party, and personal checks are not accepted for cashing at Kroger.
The fees are $3 for checks up to $2,000 and $5.50 for checks between $2,000.01 and $5,000.
16. Love’s Travel Stops
Love’s Travel Stops operates over 550 locations across 41 states, offering 24-hour access to clean and secure facilities for professional truck drivers and motorists to purchase gasoline, diesel fuel, and various other items and services.
Does Love’s Travel Stops cash checks?
Love’s Travel Stops are combined convenience stores and gas stations. While many locations accept checks, there are restrictions on the types they will cash. It’s important to note that Love’s Travel Stops does not accept personal checks.
The payment system exclusively accommodates trucker payroll checks such as TCheks and COMcheks. Although it targets a specific market, Love’s Travel Stops effectively serves its audience due to its predominant presence along highways.
17. Meijer
Meijer operates approximately 200 gas stations and grocery stores in the Midwest. Their gas pumps are accessible 24/7, providing convenience for customers.
Does Meijer cash checks?
Many stores offer a gas station but require you to visit the store itself to cash a check.
Meijer stores do not cash checks at the checkout lane or service desk. However, many Meijer locations have bank branches within the store where customers can cash checks.
18. Phillips 66
Phillips 66 is a convenient place to refuel and possibly cash a check.
Does Phillips 66 cash checks?
Phillips 66 offers check cashing services at select locations. Before your visit, it is advisable to call ahead and confirm whether the specific gas station you plan to visit provides this service.
19. Pilot Flying J
Pilot Flying J operates 750 travel centers across over 40 states.
Does Pilot Flying J cash checks?
Pilot Flying J offers check cashing services 24/7. The maximum limit is $1,000, and fees depend on the location. If you buy at least 25 gallons of fuel, you can cash a check up to $200 for free within two hours of refueling at the same location.
20. Ralphs
Ralphs is a Kroger subsidiary with 189 stores in Southern California.
Does Ralphs cash checks?
Ralphs allows check cashing, excluding personal checks. However, they accept various other types of checks, including business, child support, government, income tax refunds, and stimulus checks.
21. Road Ranger
Road Ranger operates over 40 convenience and travel centers across Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin.
Does Road Ranger cash checks?
Check cashing services are available 24/7 at all locations. Both fueling and non-fueling customers can cash a check up to $999.99 for a fee. If customers fuel a minimum of 25 gallons, they can cash a check up to $200 for free at the same location within 2 hours of fueling.
Road Ranger provides various services, including public laundry facilities, Western Union money transfers, 24-hour ATMs, and lottery games.
22. Safeway
There are over 904 Safeway stores nationwide.
Does Safeway cash checks?
Safeway, like many other grocery stores, includes gas stations. Additionally, within the store, options are available for cashing checks without needing a bank.
Safeway cashes various types of checks, including payroll, stimulus, government, Social Security benefits, unemployment benefits, and tax refund checks. The cashing limit is $1500, with a fee of $2.25 per $200.
23. Shell
With approximately 25,000 Shell gas stations nationwide, chances are you have one conveniently located near you.
Does Shell cash checks?
Numerous Shell stations provide check cashing services, but policies differ between locations as many are independently owned. Contact them directly to find out if your local station offers this service and to understand the specific rules.
24. Sinclair
Sinclair operates 2,607 filling stations across 20 Western and Midwestern states in the United States.
Does Sinclair cash checks?
Certain Sinclair locations offer check-cashing services. To find out if your local store provides this service, give them a call.
25. Stop & Shop
Stop & Shop runs over 400 stores in New York, New England, and New Jersey.
Does Stop & Shop cash checks?
Certainly, to use the service, you must be approved. Start by applying for the store’s membership card online or in-store. After getting the card, visit your local store and complete a check-cashing application.
The approval process typically takes a few weeks. However, there is an additional fee for using the service. Once approved, you can cash checks up to $500 with a fee of $0.50.
At Stop & Shop, you can cash both payroll and government checks. Additionally, you have the option to receive cashback on your personal checks. New customers can get up to $50 cashback while existing customers can request up to $100. There’s no restriction on the number of checks you can receive cashback on. Visit your nearby store to cash your checks easily.
26. Sunoco
Sunoco operates over 5,000 locations across 30+ states, providing various services. For instance, you can buy kerosene at an affordable price of around $4 per gallon at many of its locations.
Does Sunoco cash checks?
Certain Sunoco stores offer check-cashing services, but policies vary as each store is independently owned. Whether personal checks are accepted depends on the discretion of the individual store owner.
27. Tops Friendly Markets
Tops Friendly Markets runs 160 full-service supermarkets, including five franchised under the Tops brand, and operates 59 fuel stations.
The stores are located in New York, Pennsylvania, and Vermont.
Do Tops Friendly Markets cash checks?
Tops Friendly Markets allows you to cash checks. Some locations provide 24-hour financial services, with stores generally open from 6 am to midnight. While gas stations are common, you must enter the store to cash payroll, government, or stimulus checks.
Tops Friendly Market is a convenient option to cash a check without a bank account. The store assists you in cashing checks without requiring a bank account or statement.
The store has a $1 fee and a maximum limit of $500.
28. TravelCenters of America
TravelCenters of America operates over 260 locations nationwide, much like Pilot Flying J. These facilities are strategically positioned near highways, catering to many truck and transportation drivers.
Do TravelCenters of America cash checks?
TravelCenters of America sites offer convenience stores and gas stations where you can cash payroll checks for NATSO and approved company accounts.
There is a $300 limit for fixed fees. However, if you buy fuel, get a repair service, or purchase merchandise, your check will be cashed for free without any fees.
29. Walmart
Walmart operates 4,743 stores nationwide, so there’s a good chance you’ll find a store nearby.
Does Walmart cash checks?
Walmart offers check-cashing services for various types of checks, including:
- Stimulus checks
- Government checks
- Tax checks
- Cashier’s checks
- 401k and retirement distributions
- Insurance settlements
- Two-party personal checks
At Walmart, you can cash or buy money orders. They cash checks up to $5,000 with fees of $4 for a $1,000 check and $8 for up to $5,000.
30. Winco Foods
WinCo Foods operates 131 stores across Arizona, California, Idaho, Montana, Nevada, Oklahoma, Oregon, Texas, Utah, and Washington.
Do Winco Foods cash checks?
Certainly! WinCo Foods allows check cashing for amounts up to $1,000. Each customer can cash up to two checks within 7 days.
WinCo Foods offers the convenience of 24/7 store access, allowing you to cash your checks anytime. The fee for checks up to $500 is $5, while checks exceeding that amount incur a $10 fee.
WinCo accepts the following types of checks:
- Two-party checks
- Insurance settlement checks
- Manually written payroll checks
- Finance loan checks
- Deposit slip money orders
31. Winn-Dixie
Winn-Dixie operates approximately 500 stores in Florida, Alabama, Louisiana, Georgia, and Mississippi.
Does Winn-Dixie cash checks?
Certainly! Winn-Dixie allows cashing electronically signed payroll checks, with a maximum limit of $500. A $3.50 fee applies, and the minimum withdrawal amount is $4.
Winn-Dixie does not accept the following types of checks:
- Starter checks
- Money orders
- Third-party checks
- Cashier’s checks
- Traveler’s checks
- Insurance checks
- Government checks
- Handwritten checks (payroll)
What do you need to cash a check?
To cash a check, ensure you have the necessary documentation. Typically, you’ll need to present one to two forms of identification, such as a photo ID like a driver’s license, passport, or state photo ID. A government-issued photo ID is the most reliable and widely accepted form of identification.
Before going to the gas station to cash a check, call ahead to confirm the accepted types of ID and the required number of IDs.
Do gas stations offer 24-hour check cashing?
Gas stations provide 24-hour check cashing services, often available within the affiliated grocery store. Some establishments offering this service include:
- 7-Eleven
- Pilot Flying J
- Road Ranger
- Tops Friendly Markets
- WinCo Foods
It’s important to note that not all gas stations provide 24-hour financial services, as their regular hours typically range from 6 am to midnight.
Are there gas stations that cash checks without an ID?
Certain gas stations, like Dillons and 7-Eleven, may cash checks without requiring identification, but many places typically demand ID for this service. To bypass the ID requirement, consider using your banking app, which often features a check-cashing option. This allows you to deposit a check into your account using your phone, essentially enabling online check cashing.
Here are some banking apps that enable check deposits:
- Chase Bank: Android and iOS.
- Wells Fargo: Android and iOS.
- First Midwest: Android and iOS.
- Bank of America: Android and iOS.
- Santander: Android and iOS.
- US Bank: Android and iOS.
If your bank provides a check cashing feature in its app, follow these steps: Download the app and adhere to the bank’s instructions for endorsing and depositing your check using the app.
This method is particularly useful for cashing a check without an ID. You need to sign up for online banking services to access this feature. Check if your bank offers a mobile app or search online. You can try the Ingo Money app if your bank doesn’t have this option.
Ingo Money enables you to quickly cash various types of checks, including paychecks, personal, and business checks. You can receive the funds within minutes, though a fee applies. Alternatively, waiting for 10 days allows you to access the money without any charges.
You can find the Ingo Money app on:
Gas stations that don’t cash checks
Here is a list of gas stations that do not cash checks:
- ARCO/ampm
- BP
- Circle K
- Corner Store
- Costco Gas Stations
- Kum & Go
- Kwik Trip/Kwik Star
- Murphy USA/Murphy Express
- QuikTrip
- RaceTrac
- Sam’s Club Gas
- Sheetz
- Speedway
- Valero
- Wawa
The bottom line
Gas stations offer convenient check-cashing options due to their extended operating hours. This makes it feasible for individuals to access cash even after regular business hours or on weekends.
However, there are limitations. Many gas stations impose check cashing limits, often as low as $300. Additionally, a valid ID, either primary or secondary, is typically required to cash a check at these locations. If you find yourself without an ID, consider using your bank’s app or the Ingo Money app for check cashing alternatives.
Depositing a check through a mobile app is convenient for everyone, even those without an ID. If you’re thinking about cashing your check at a gas station due to longer hours than your bank, using a mobile app is a better alternative. It enables you to cash a check anytime, directly from your phone, providing the flexibility to deposit from the comfort of your home.
Gas stations linked to grocery stores may offer check-cashing services, typically within the attached store rather than at the gas station. It’s advisable to call the store beforehand to confirm the availability of check-cashing services and inquire about any limitations. This ensures you don’t make a trip only to find out the service isn’t provided or has a low limit.
