There are many reasons why you may want to know, “Where can I find a check cashing machine near me?”
Or, you may simply just want to get your check cashed quickly and conveniently.
And if you don’t have one of these 24 hour check cashing places near you, a check cashing machine, such as an ATM, or kiosk may be the right solution for you.
In this article, I’ll cover everything you need to know about check cashing machines, and where you can find check cashing kiosks and ATMs near you.
What will I learn?
What is a Check Cashing Machine?
A check cashing machine is any freestanding machine, such as a check cashing kiosk or an ATM that allows you to cash paper checks.
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Check cashing kiosks are generally found in retail or convenience stores and have a touchscreen interface. They usually charge you a fee for cashing a check.
Usually, these machines require you to have a:
- Paper check
- An official photo ID, like a driver’s license or other state-issued ID
- Also, you still have to sign the back of a check to cash it at a kiosk (learn how to endorse a check correctly!).
Many check cashing kiosks will accept payroll and government checks, like Social Security checks and tax rebate checks.
Some may also cash other types of checks, like personal checks and cashier’s checks.
If you want to cash a check at an ATM, you will typically need:
- An endorsed check.
- A debit, ATM, or prepaid debit card.
- The PIN for your card.
Where to Find a Check Cashing Machine Near You
If you want to find a check cashing machine near you, then consider the options in this section.
Below, I’ve listed two major check cashing kiosk providers.
1. SAM Check Cashing
With SAM Check Cashing, you can cash money orders, paychecks, government checks, such tax refunds, stimulus checks, food stamps, and Social Security checks.
You can cash a check without a bank account. Just visit a SAM Machine and follow the on-screen instructions to cash your checks.
All you need to cash a check at SAM Check Cashing is your phone number and ID.
The fee you’re charged for using the SAM Machine depends on the state and the store. However, the fee is typically between 2% and 5%.
SAM Check Cashing does not accept cashier’s checks or personal checks, because, according to the company, fraud is common with these types of checks.
Also, you cannot cash a month-old check at SAM Check Cashing, as SAM Machines do not accept checks 21 days past the issue date.
SAM Machines can be found in grocery stores and convenience stores.
- Find a check cashing machine near you here.
2. Mr. Payroll
At Mr. Payroll, you can cash a variety of different checks, such as:
- Government/tax refund checks
- Insurance checks
- Two-party checks
- Cashier’s checks
- Money orders
The fees typically average from 1% to 2% of the check amount depending on the type of check presented.
You can find Mr. Payroll facilities located inside convenience stores, gas stations, and other shops.
- Find a check cashing machine near you here.
ATMs with Check Cashing
Some banks offer ATM check cashing. What makes ATM machines a great option is that, in most cases, they are open 24/7, even on the weekends. So, you can cash a check when you need to.
It’s important to note that you will need to be an account holder at the bank that owns the ATM. If you don’t have an account with a bank or credit union, you will likely incur fees, and be unable to complete your transaction.
Some banks may allow non-customers to deposit checks at ATMs, but most don’t. So, if you don’t have a bank account at one of these banks, then try the other options on our list.
You can cash a check at many ATMs.
Technically, you’re not “cashing” the check. Instead, you are depositing the check and then withdrawing the funds. But, the outcome is the same since you get the cash from the check.
Since there is check cashing ATMs on most corners, it’s such a convenient option. And, even more conveniently, several large national banks actually provide 24-hour access to their ATM network.
Now, it’s important to make sure that the specific check-cashing machine that you plan to use does indeed accept deposits. While rare, some older ATMs may not accept deposits. ATMs that have check scanners are more likely to give you access to your funds immediately.
Here are some banks that have check cashing ATMs:
- Bank of America
- Capital One
- Citizens Bank
- Fifth Third Bank
- M&T Bank
- TD Bank
- US Bank
- Wells Fargo
More Check Cashing Options
If you are looking to cash a check near you quickly and conveniently, then I have some more great options for you.
If you want to cash a check near you, then try local grocery stores. Often, the grocery store can provide a similar convenient check cashing service that you’d find at an ATM.
Some grocery stores actually allow you to cash a check 24 hours a day, so if traditional banking hours don’t work for you, then you can instead head on over to your local grocery store.
Typically, grocery stores don’t cash personal checks, but you can cash other types of checks at the grocery store.
Usually, the check cashing counter is open for grocery stores open 24 hours.
Checks you can cash are those with a magnetic link and not those that are handwritten.
To cash a check at the grocery store, you will typically need a valid ID, so make sure you bring the right documentation with you.
Many grocery stores offer 24-hour check cashing, and many, while not open 24 hours, do stay open late, so the grocery store can be one of the best places to cash a check.
Here are grocery stores that cash checks:
- Kroger and its subsidiaries
- WinCo Foods
Another option you have if you want to cash a check is gas stations.
Some gas stations/convenience store chains provide 24-hour check cashing, which means you can get your money when you need it.
Also, if you don’t want to wait in the long lines that you’ll often encounter at the grocery store, then going to gas stations that cash checks can be a good alternative.
Here are some fuel centers and convenience stores that cash checks:
- Pilot Flying J
Check cashing stores
Check cashing stores are another good option. Many actually offer 24-hour check-cashing, so they’re great if you need to cash a check outside of regular business hours. The downside is that they charge fees.
The fees vary from place to place. It’s a good idea to call ahead to get a better idea of what you’ll pay for cashing the type of check you have.
Many check cashing stores provide other financial services, alongside check cashing, like payday loans (always avoid these if possible), installment loans, and money transfer services.
Here are some 24-hour check cashing stores:
- PLS Check Cashing
- Speedy Cash
For more places to cash a check conveniently, have a read of my 24-hour check cashing post.
If you are wondering, “Where can I find a check cashing machine near me?” you have plenty of options.
You can find self-service check cashing machines at SAM Check Cashing, and Mr. Payroll offers check cashing machines too. ATMs are another good option. Many banks, such as Bank of America, Fifth Third Bank, and Wells Fargo offer check cashing ATMs.
You can also try other convenient places to cash checks, such as grocery stores, like Walmart and Kroger, gas stations, like 7-Eleven and Pilot Flying J, and check cashing stores like PLS Check Cashing and Speedy Cash.
The bottom line is you can cash your check any day and any time thanks to self check cashing machines near you!