Tops Friendly Markets offers check cashing services at many store locations, giving customers a convenient way to access cash without visiting a bank. This guide explains Tops check cashing fees, limits, hours, accepted check types, and whether Tops cashes checks on Sundays.
Introduction
Tops is one of several grocery chains that provide in-store check cashing services. While policies vary by store, most locations follow similar requirements for ID, check types, and availability. If you want to compare Tops to other retailers, visit our guide to grocery stores that cash checks.
Accepted Types of Checks
Most Tops stores cash payroll, government, tax refund, and personal checks. Because policies vary by region and store, calling ahead is the best way to confirm what your location accepts. For a full breakdown of how different check types work, see our guide on check cashing for different check types.
Identification Requirements
Tops requires a valid, government-issued photo ID for all check cashing transactions. Acceptable IDs typically include a drivers license, state ID, military ID, or passport. Some stores may request additional verification depending on the check type.
Maximum Check Amounts
Tops locations generally set limits on the maximum amount they can cash per check. Limits vary by store and by check type. If the amount exceeds Tops limits, explore additional options using our guide to check cashing alternatives.
Associated Fees
Tops usually charges a small fee for check cashing, which may be a flat rate or a percentage of the check value. Fees differ by store, so calling ahead is recommended. To compare fees across retail locations, visit our full guide to check cashing fees.
Sunday Check Cashing Availability
Some Tops stores offer check cashing services on Sundays, while others do not. Availability depends on staffing and store policies. Contacting your local Tops or checking their posted hours is the best way to confirm. If you need weekend or late-night options, see our guide to 24 hour check cashing.
Tips for Using Tops Check Cashing
- Call ahead: Confirm hours, fees, limits, and Sunday availability.
- Bring proper ID: A valid government-issued photo ID is required.
- Ask about fees: Costs can vary by check type and store location.
- Prepare your check: Ensure it is correctly endorsed when instructed.
- Explore alternatives: If Tops cannot cash your check, consider other unbanked check cashing options.
Conclusion
Tops Friendly Markets offers check cashing for several common check types, though fees, limits, and Sunday availability vary by location. By calling ahead and bringing proper identification, you can streamline the process and avoid surprises. To save money on future transactions, review our guide on how to avoid check cashing fees.