Giant Food offers check cashing at many locations through its Money Services counter, giving customers a convenient way to turn certain checks into cash without needing a bank account. This guide explains what Giant Food typically accepts, how fees and limits work, what ID you need, and how to cash a check step by step.
Quick answer: Most Giant Food stores cash payroll, government, tax refund, insurance settlement, and some two-party checks at the Money Services counter. Fees are commonly structured as a percentage of the check amount (often around $3 per $100) with a cap (frequently around $10–$15), and daily limits are often in the $1,000–$1,500 range. Policies vary by store, so call ahead to confirm.
If you want to compare Giant Food to other supermarket options, see our guide to grocery stores that cash checks.
Does Giant Food Cash Checks?
Yes, many Giant Food stores offer check cashing through Money Services. However, availability can vary by location, and certain check types may be restricted. For the most accurate details, contact your local store and ask for Money Services hours, fees, limits, and accepted check types.
Types of Checks Giant Food Typically Accepts
Giant Food Money Services commonly cashes the following check types, subject to local verification rules:
- Payroll checks
- Government checks (including benefits checks)
- Tax refund checks (including IRS-related checks)
- Insurance settlement checks (in many cases)
- Two-party checks (may require extra verification and may not be available everywhere)
Note: Giant Food typically does not cash personal checks. If you need options for personal checks, see our guide to alternatives to check cashing.
Giant Food Check Cashing Fees and Limits
Fees and limits can differ by location, and policies may change over time. Many stores use a percentage-based fee (for example, around $3 per $100) with a cap (often around $10–$15), and typical daily limits may fall around $1,000–$1,500.
| Category | Typical Fee Structure | Typical Limit |
|---|---|---|
| Payroll and government checks | Percentage-based fee (often around $3 per $100), with a cap (commonly around $10–$15) | Often $1,000–$1,500 per day |
| Tax refund and insurance checks | Similar percentage-based fee, with a cap (varies by store) | Often similar daily limits (varies) |
| Two-party checks | May include an additional handling fee and/or extra verification | Often limited or unavailable depending on location |
For a broader explanation of how check cashing fees work across different providers, see our breakdown of check cashing fees.
Tip: Always call your local Giant Food Money Services counter to confirm the exact fee, daily limit, and accepted check types for your situation.
ID Requirements for Giant Food Check Cashing
To cash a check at Giant Food, you will generally need a valid government-issued photo ID. Some locations may request additional information for certain check types or larger amounts.
- Primary ID: Driver’s license, state ID, passport, or military ID
- Secondary ID (if requested): Utility bill, insurance card, or other supporting documentation
- Endorsement: Sign the back of the check only when instructed, and match the name on the front
If you are unsure how to sign your check correctly, see our step-by-step guide to endorsing a check.
How to Cash a Check at Giant Food
Here is the typical process at the Money Services counter:
- Go to the Money Services counter or customer service desk at a participating Giant Food location.
- Bring your check and your valid photo ID.
- Present your check and ID to the associate for verification.
- Pay any required fee (method varies by store).
- Receive your cash once the check is approved.
Pro tip: Visit during off-peak hours (weekday mornings if possible) and ask about the best time to avoid longer lines.
FAQs About Giant Food Check Cashing
Can You Cash a Check at Giant Food Near Me?
Not all Giant Food locations offer check cashing. To confirm availability:
- Search Google Maps for “Giant Food Money Services” or “Giant Food check cashing near me.”
- Call your local store and ask for Money Services hours and check cashing availability.
- Use the store locator at GiantFood.com and look for “Money Services” in amenities (if listed).
Does Giant Food Cash Personal Checks?
No, Giant Food typically does not cash personal checks. Most locations focus on payroll, government, tax refund, insurance settlement, and select two-party checks.
Does Giant Food Cash Two-Party Checks?
Some locations may cash two-party checks, but these often require additional verification and may include an extra handling fee. Availability varies widely, so call ahead and ask specifically whether two-party checks are accepted at your store.
Does Giant Food Sell Money Orders?
Many Giant Food Money Services counters sell money orders. Limits and fees vary by location, but money orders are commonly issued up to a set maximum per order (often around $1,000). Confirm the exact fee and limits with your local store.
What Are Giant Food’s Money Order Fees?
Money order fees vary by store and state. Many locations charge a small flat fee per money order. Call your local Money Services counter to confirm the exact fee before you go.
Do You Need a Bank Account to Cash a Check at Giant Food?
No. Giant Food’s check cashing service is designed for customers who want to access cash without relying on a traditional bank account. You generally only need a valid photo ID and a qualifying check.
How Long Does It Take to Cash a Check?
Many checks are approved and paid out quickly at the counter. For larger checks or checks that require additional verification, approval may take longer or may be declined depending on store rules.
Bottom Line
Giant Food check cashing can be a convenient option for converting eligible checks into cash, especially if you need funds quickly and want to avoid bank delays. Because fees, limits, and accepted check types vary by location, the best move is to call your local Money Services counter before you go.
If you want to reduce fees or find other reliable options, see our guide to how to avoid check cashing fees.