Many grocery stores offer convenient check cashing services for payroll, government, and personal checks. If you need cash quickly and don’t want to visit a bank, cashing a check at a major supermarket can be one of the easiest options.
This guide explains which grocery stores cash checks, what types of checks are accepted, typical fees and limits, and what identification you may need before visiting the customer service desk.
Last updated: January 2026 (policies vary by location — always confirm with your local store).
Quick Answer: Do Grocery Stores Cash Checks?
Yes, many grocery stores cash checks, especially payroll and government checks. Some locations may also accept personal checks, but fees, limits, and requirements vary by retailer. Most stores require a valid photo ID and may restrict check cashing to customer service hours.
Grocery Stores That Cash Checks (Common Options)
Below are some of the most common grocery stores and retailers that offer check cashing services. Click any store to view fees, limits, accepted check types, and ID rules.
- Walmart Check Cashing
- Kroger Check Cashing
- Publix Check Cashing
- Safeway Check Cashing
- Albertsons Check Cashing
- Meijer Check Cashing
- Giant Food Check Cashing
- Tom Thumb Check Cashing
- Food Lion Check Cashing
- Winn-Dixie Check Cashing
- Piggly Wiggly Check Cashing
- Tops Check Cashing
Typical Fees and Check Cashing Limits
Each grocery store sets its own rules, but most follow similar fee and limit ranges. Here is what you can generally expect:
| Check Type | Usually Accepted? | Typical Fee Range | Common Limit Range |
|---|---|---|---|
| Payroll Checks | Yes | $3–$6 | $500–$2,500 |
| Government Checks | Yes | $3–$8 | $1,000–$5,000 |
| Personal Checks | Sometimes | Higher or restricted | Often lower limits |
| Business Checks | Rare | Varies | Store-dependent |
Important: Many stores only cash checks during customer service desk hours, not late at night or during self-checkout.
What You Need to Cash a Check at a Grocery Store
Most grocery stores require the following before cashing a check:
- A valid government-issued photo ID (driver’s license or state ID)
- A check made out to you (properly endorsed)
- Membership or shopper card (required at some retailers)
- Proof of eligibility for larger checks (payroll or government)
If you are unsure how to sign your check correctly, see our guide here:
Alternatives If a Grocery Store Won’t Cash Your Check
If your local store does not offer check cashing, or your check is not accepted, you still have several options:
- Best Alternatives to Grocery Store Check Cashing
- Mobile Check Cashing Apps (Cash App, PayPal, Chime)
- Do Banks Cash Checks for Non-Customers?
- 24-Hour and Late-Night Check Cashing Options
Frequently Asked Questions
Do grocery stores cash personal checks?
Some grocery stores cash personal checks, but many only accept payroll or government checks. Personal checks often have lower limits or may be declined entirely depending on the store.
What is the check cashing limit at grocery stores?
Limits vary widely, but most grocery stores cash checks up to $500–$2,500. Government checks may have higher limits at select retailers.
Do grocery stores charge a fee to cash checks?
Yes, most grocery stores charge a small flat fee, usually between $3 and $8, depending on the check type and amount.
Can I cash a check late at night at a supermarket?
Many grocery stores only cash checks during customer service hours, so late-night check cashing may not be available. See our guide to late-night check cashing options here.
Next Step: Find the Best Store Near You
If you want the fastest option, start with one of the major retailers above, then review their fees, limits, and ID rules in our full store-by-store guides.