Need to cash a check late at night or on the weekend? Whether it’s an emergency or a last-minute deposit, finding a 24-hour check cashing place near you can be a lifesaver.
In this guide, we’ll break down where you can cash checks outside of standard banking hours, what to expect in fees, and what alternatives you have when everything else is closed.
Who Offers 24-Hour Check Cashing?
Most banks close by 5 or 6 PM, but several alternatives stay open much later—or operate around the clock.
Common 24-hour check cashing options include:
- Major retailers with extended hours (like Walmart)
- Dedicated check cashing stores in larger cities
- Mobile check cashing apps that approve deposits instantly
- ATMs that support check deposits for select cards/accounts
Let’s look at each one.
1. Walmart (Select Locations Open 24/7)
Walmart is one of the most accessible places to cash checks late at night. While not all locations are open 24 hours anymore, many are still open until 11 PM or later.
- Accepts payroll, government, and pre-printed personal checks
- Max check limit: $5,000 ($7,500 Jan–Apr)
- Fees: Up to $4 for checks under $1,000; up to $8 for higher amounts
- ID is required
Related: Walmart Check Cashing Policy
2. 24-Hour Check Cashing Stores
In major metro areas, dedicated check cashing businesses are open 24/7 or have extended hours.
Examples include:
- ACE Cash Express (some open until midnight or later)
- PLS Check Cashing (varies by location)
- Local independent services (especially near downtown areas or transit hubs)
Tip: Google “24 hour check cashing near me” + your ZIP code to find local options.
3. Mobile Check Cashing Apps (Always Open)
If you’re short on time or transportation, mobile check cashing apps can be used any time—even 2 a.m. on a Sunday.
Popular 24/7 options include:
- Ingo Money: Instant approval and cash-out to PayPal or prepaid cards
- Venmo & PayPal: Cash checks via Ingo integration
- Lodefast: Accepts payroll and government checks without ID
- Brink’s Money Prepaid App: Deposit checks to your Brink’s card
Explore: Best Instant Check Cashing Apps Without ID
4. ATMs That Accept Check Deposits
Some bank-branded ATMs allow you to deposit checks if you have:
- A bank account with card access
- A prepaid debit card tied to the ATM network (e.g., Netspend or GoBank)
These ATMs are often available 24/7, even when branches are closed. Funds may be placed on hold, depending on your account status.
5. Gas Stations and Convenience Stores
While they rarely cash checks directly, gas stations and convenience stores may partner with check cashing services like:
- MoneyGram
- Western Union
- Green Dot card reloads
Some also have in-store kiosks or machines for prepaid reloadable cards, which can be used after hours with mobile apps.
Tips for Late-Night or 24-Hour Check Cashing
- Bring valid ID: Even at night, most locations will require it
- Call ahead: Use Google Maps or store locators to confirm hours
- Use mobile apps for speed: Some offer approval in 5–15 minutes
- Expect higher fees: Especially at dedicated 24-hour check cashing stores
- Watch for scams: Avoid unverified services or “instant cash” offers with no track record
Frequently Asked Questions
Where can I cash a check after midnight?
Use a mobile app like Ingo Money or look for a 24-hour check cashing store in your area. Some Walmart locations may also be open late.
Do any banks offer 24-hour check cashing?
Not directly. However, ATMs tied to your bank or prepaid card may accept deposits at any time, although availability of funds may be delayed.
What’s the fastest way to cash a check after hours?
Using a mobile check cashing app like Ingo is usually the fastest. You can deposit and receive funds within minutes if approved.
Final Thoughts
Whether it’s a Friday night emergency or you just got off a late shift, 24-hour check cashing options exist—you just have to know where to look. Between late-night retailers, mobile apps, and ATMs, you can often get your money without waiting for the next business day.
Need more help? Browse our check cashing app guides and store-by-store policy breakdowns to compare the best options near you.
