Kroger offers one of the most widely used check cashing services in the country. With extended hours, competitive fees, and convenient Money Services counters inside most stores, Kroger makes it easy to cash checks without needing a bank account. This guide explains how Kroger check cashing works, what types of checks they accept, fees, ID requirements, and daily limits.
If you need fast alternatives, you can also compare other options in our guide on how to cash a check instantly.
Does Kroger Cash Checks?
Yes. Kroger cashes many common check types at their Money Services counters, which are located inside most Kroger-owned stores, including King Soopers, Fry’s, Smith’s, Ralphs, and others. Checks are processed quickly, and customers can receive cash or load funds onto a prepaid debit card.
How Kroger Check Cashing Works
- Bring your check to the Money Services counter at your local Kroger store.
- Show a valid ID such as a driver’s license, passport, or state ID.
- Kroger verifies the check through their secure system.
- Pay the check-cashing fee based on check type and amount.
- Receive your cash instantly or deposit funds onto a prepaid card.
Types of Checks Kroger Cashes
- Payroll checks
- Government checks (tax refunds, Social Security, unemployment)
- Insurance settlement checks
- Business checks
- Tax refund checks
- Cashier’s checks
- Money orders (Western Union)
Note: Kroger does not typically cash personal checks.
Not sure if there’s a Kroger near you? Try our Check Cashing Near Me page for nearby options.
Kroger Check Cashing Fees
Kroger charges some of the lowest check cashing fees among major grocery chains. Fees vary slightly by store location, but the typical fee range includes:
- Checks up to $2,000: Around $4.00
- Checks $2,000–$5,000: Around $7.00
- Money orders: Small fee depending on amount
Kroger often offers additional discounts for customers with a Kroger Plus Card.
Kroger Check Cashing Limits
Kroger imposes daily limits for check cashing depending on the check type:
- Payroll & government checks: Up to $5,000
- Tax refund checks: Up to $5,000 during tax season
- Money orders: Limits vary by location
Limits may differ by state and individual store policy.
ID Requirements for Kroger Check Cashing
Kroger requires valid identification to cash a check. Acceptable forms of ID include:
- State-issued ID
- Driver’s license
- Passport
- Military ID
Kroger Money Services Hours
Most Kroger Money Services counters follow extended store hours. Common hours include:
- Monday–Sunday: 8 AM – 9 PM
Hours vary by location, so checking your local store’s schedule is recommended.
Alternatives to Kroger Check Cashing
- Walmart – Low fees and high limits
- 7-Eleven kiosks – Check loading via prepaid cards
- ACE Cash Express – Extended hours, instant cash
- Check cashing apps like Ingo or PayPal
Conclusion
Kroger offers a fast, affordable, and convenient check cashing service through its Money Services counters. With low fees, extended hours, and high check limits, Kroger has become one of the most reliable options for cashing payroll, government, and business checks. If your local store does not support check cashing, alternatives like Walmart and ACE Cash Express can help you access your funds quickly.