Nowadays, most of us use online bank transfer, or a digital payment method like PayPal or Zelle when we want to get paid, which means that checks are no longer used as much as they once were.
That being said, some of us still get paid by check and many of us still receive checks from time to time and may need a convenient place to cash them. The gas station/convenience store is a good option because, compared to banks, they have much more flexible opening hours.
If you get paid on the 15th or the 30th of the month, and it falls on a weekend or a holiday, then you’re likely not going to be able to cash it at your bank because most banks have limited hours. That’s why some people start thinking about gas stations for their cashing checks.
What will I learn?
Do Gas Stations Cash Checks?
Yes, there really are gas stations/convenience stores where you can cash a check and I’ve covered them in the post below.
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Many stations, sadly, won’t cash checks of any type, but there are still a few gas station chains that do offer this service. Typically, gas stations that are attached to grocery stores will be able to cash checks, although not always at the gas station itself. You may have to go into the store itself to have your check cashed.
It’s always best to call ahead to inquire about what services are offered at your specific location though.
Below, you’ll find an alphabetical list of gas stations that cash checks nearby, and grocery stores with gas stations too.
Important note: Most gas stations will not accept personal checks. This is because of the higher chance of check scams and fraud.
Type of checks
There are many different types of checks, including:
- Payroll checks
- Starter checks
- Money orders
- Third-party checks
- Cashier’s checks
- Insurance checks
- Government checks
- Traveler’s checks
It’s important to note that not all gas stations cash every type of check. Most accept payroll checks. But for other types of checks, you need to ask.
What Gas Stations Can Cash Checks?
Here’s a list of major fuel stations that will cash checks, such as personal checks, government checks, and payroll checks.
76 is a popular gas station chain.
Does 76 cash checks?
76 allows you to cash checks, but only at some locations. Call ahead to check with your local station.
There are more than 9,500 7-Eleven stores throughout the United States. Many locations provide financial services – for example, you can cash money orders at many 7-Eleven stores.
Does 7-Eleven cash checks?
Many 7-Eleven stores cash checks through a program called Transact. With Transact, you can load a payroll check onto a debit card.
Transact works with all types of checks. And, check cashing services are available 24/7 at 7-Eleven.
There are more than 2,200 Albertson’s stores across the United States.
Does Albertson’s cash checks?
Albertson’s check-cashing service has a $1,000 limit, and fees vary by location.
Casey’s General Stores has locations in the Midwestern and Southern United States. It has 2,146 stores in 16 states.
Does Casey’s General Stores cash checks?
Some locations cash checks, but not all of them. If a location does cash checks, the store will usually only cash a local check (within the county).
The company’s products are sold in more than 8,000 Chevron and Texaco retail stations across the United States. Some locations are franchised, and others are owned by the company.
Does Chevron cash checks?
Many Chevrons do cash checks, but it depends on who owns that location. So, contact your local gas station to inquire about whether they do indeed cash checks at that particular location.
Citgo has more than 5,000 gas stations in 30 states.
Does Citgo cash checks?
You can cash checks at some locations. Make sure you call ahead to make sure they cash checks at the particular station you plan to visit.
Conoco has about 2,000 locations across the country.
Does Conoco cash checks?
Some locations cash checks, so give your local station a call to inquire.
There are 94 Dillons locations.
Does Dillons cash checks?
Dillions is a combination of a store, and a gas station, and all Dillons locations cash checks but you’ll have to go to the store to cash it. Its check cashing limit is $5,000, which is one of the highest on the list. Fees start at $3.
Dillion does not cash personal checks, but it will accept other types of checks, like payroll checks, income tax refund checks, insurance settlement checks, government checks, and business checks.
There are more than 12,000 ExxonMobil locations throughout the country.
Does ExxonMobil cash checks?
Some locations cash checks, so make sure you call ahead to ask if offer this service at your local station.
10. Food City
Food City is a supermarket chain with more than 132 locations. It has stores in Alabama, Georgia, Kentucky, Tennessee, and Virginia.
Does Food City cash checks?
Food City will cash lots of different types of checks, such as payroll, rebate, stimulus, and government checks. Although Food City stores aren’t open 24/7, they do have flexible hours. Its check cashing limit is $1,000 with a $3 fee.
11. Fred Meyer
Fred Meyer has more than 130 stores throughout the country, mostly in Washington, but also in Alaska, California, Idaho, and Oregon.
Does Fred Meyer cash checks?
Yes, you can cash checks at Fred Meyer. Its check cashing limit is $5,000, which is one of the highest amounts on the list. There’s a fee of $3.
GetGo stores are operated by Giant Eagle. There are more than 260 GetGo convenience stores around the country. GetGo has stores in Indiana, Maryland, Ohio, Pennsylvania, and West Virginia.
Does GetGo cash checks?
GetGo cashes personal checks, which are usually not cashed by most gas stations. Although GetGo will cash personal checks, it charges $30. The store will view your cashing history and their records before cashing the check. Other types of checks that are also accepted include payroll, stimulus, and government checks.
There’s no fee associated if you cash a child’s support check at GetGo.
Hy-Vee operates more than 240 retail stores in the Midwest. This includes Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, South Dakota and Wisconsin.
Does Hy-Vee cash checks?
Some locations do cash checks. But there’s no standard check-cashing policy. It varies from store to store. You can use the Hy-Vee store locator to find a Hy-Vee that cashes checks near you.
At the stores that do provide a check-cashing service, the limits range from $2,000 to $5,000, and the fee ranges from $2 to $6 per transaction.
14. King Soopers
King Soopers has 118 locations, most of which are in Colorado, and some in Wyoming. Many King Soopers have gas stations attached.
Does King Soopers cash checks?
King Soopers is operated by Kroger and has the same check policy as other Kroger-owned stores do. It does not accept personal checks, but you can cash other types of checks there, like stimulus and government checks.
Kroger has more than 2,800 stores in 35 states. So, it’s likely you have a store near you.
Does Kroger cash checks?
Yes, you can cash checks at Kroger. You can’t cash starter, third-party, or personal checks there, but you can cash many other types of checks. At Kroger, you can cash payroll, insurance settlement, government, tax refund, business, and stimulus checks.
Fees start at $3 for checks up to $2,000 and $5.50 for anything between $2,000.01 and $5,000.
Love’s Travel Stops has more than 550 locations in 41 states that provide professional truck drivers and motorists with 24-hour access to clean and safe places to purchase gasoline, diesel fuel, and other items and services.
Does Love’s Travel Stops cash checks?
Love’s Travel Stops are two-in-one shops with convenience stores and gas stations.
Many locations will accept checks but are very limited in the types of checks they’ll cash.
Love’s Travel Stops does not accept personal checks.
It only accepts trucker payroll checks, like TCheks and COMcheks. So, it’s designed for a limited market, but it services its audience well since Love’s Travel Stops are mostly located along highways.
Meijer has around 200 gas stations and grocery stores in Midwest. Meijer pumps are open 24 hours a day and 7 days a week, which is good.
Does Meijer cash checks?
Most stores have a gas station, but you will have to go into the actual store to cash the check.
Meijer doesn’t cash checks at the checkout lane or service desk, but most locations have bank branches inside the store with the ability to cash checks.
18. Phillips 66
Phillips 66 is another location where you can fuel up and perhaps cash a check.
Does Phillips 66 cash checks?
Phillips 66 cashes checks at some locations. It’s a good idea to call ahead to check if a check cashing service is offered at the particular gas station that you plan to visit.
19. Pilot Flying J
Pilot Flying J has about 750 travel centers in more than 40 states.
Does Pilot Flying J cash checks?
Yes, you can cash checks at Pilot Flying J. If you are looking for a 24-hour check cashing place, then it’s a good option because it provides a 24 hour and 7 days a week check cashing service. There’s a check cashing limit of $1,000. The fees vary by location. If you purchase at least 25 gallons of fuel, you can cash a check up to $200 for free at the same location within two hours of fueling.
Ralphs is a subsidiary of Kroger. There are 189 Ralphs stores in Southern California.
Does Ralphs cash checks?
You can cash checks there. It doesn’t accept personal checks. But, you can cash other types of checks at Ralphs, such as business, child support, government, income tax refunds, and stimulus checks.
21. Road Ranger
Road Ranger has more than 40 convenience and travel centers in Arkansas, Illinois, Indiana, Iowa, Missouri, Texas, and Wisconsin.
Does Road Ranger cash checks?
It offers check cashing services at all locations 24 hours a day. Both fueling and non-fueling customers are able to cash a check up to $999.99 for a fee. Customers who fuel a minimum of 25 gallons can cash a check up to $200 free of charge at the same location within 2 hours of fueling.
Road Ranger offers lots of services, like public laundry, Western Union money transfer, 24-hour ATMs, and lottery games.
There are more than 904 Safeway stores throughout the country.
Does Safeway cash checks?
As a lot of grocery stores do, many Safeway locations have gas stations, and inside the store, it offers ways to cash a check without a bank.
Safeway cashes payroll, stimulus, government, Social Security benefits, unemployment benefits, and tax refund checks. There’s a limit of $1500, and it charges a fee of $2.25 per $200.
There are about 25,000 Shell gas stations throughout the country, which means you likely have a station near you.
Does Shell cash checks?
Many Shell locations offer check cashing services. Now, the policies vary from location to location, because many stations are independently owned. That’s why you’ll want to contact your local station to ask whether it offers a check cashing service and what the rules are.
There are 2,607 Sinclair filling stations in 20 states in the Western and Midwestern United States.
Does Sinclair cash checks?
You can cash checks at some Sinclair locations. Make sure you call your local store to ask if it provides a check-cashing service.
25. Stop & Shop
Stop & Shop operates more than 400 stores throughout New York, New England, and New Jersey.
Does Stop & Shop cash checks?
Yes, but you will need to first get approved for its service. You will first need to apply for the store’s membership card, which you can do either online or in one of its stores. Once you have your card, you can visit your local store, and fill out a check cashing application.
The approval process usually takes a few weeks, but you do have to pay extra in order to use its service. Once you are approved, you will be able to cash checks of up to $500 for a fee of $0.50.
You can cash payroll and government checks at Stop & Shop. You can also get cashback on your personal checks at Stop & Shop. New customers are eligible for up to $50 cashback, and existing customers can request up to $100 cashback. And, there’s no limit to how many checks you can request cashback on either. So, head to your local store to cash your check.
There are more than 5,000 Sunoco locations in more than 30 states. It offers several services, like, for example, you can purchase kerosene at many of its locations and it’s cheap too costing only about $4 per gallon.
Does Sunoco cash checks?
Some Sunoco stores cash checks. Because the stores are independently owned, the rules and policies for check cashing are determined by each owner. Some locations accept personal checks, but it depends on each independent owner.
Tops Friendly Markets operates 160 full-service supermarkets, which includes five operated by franchisees under the Tops banner, along with 59 fuel stations.
It has stores in New York, Pennsylvania, and Vermont.
Does Tops Friendly Markets cash checks?
You can cash checks at Tops Friendly Markets. Some locations offer financial services 24-hours, while their stores tend to be open from 6 am to midnight. Although many locations have a gas station, you will need to go inside to cash a payroll, government, or stimulus check.
If you are looking to cash a check without a bank account, Tops Friendly Market is a good choice, and the store helps you to cash a check without a bank account or bank statement.
The store charges just $1 and there’s a $500 limit.
TravelCenters of America has more than 260 locations throughout the company. It’s similar to Pilot Flying J in that they are also near the expressway and get many truck and transportation drivers.
Does TravelCenters of America cash checks?
TravelCenters of America locations have a convenience store and gas station that cash payroll checks to NATSO and company approved accounts.
There’s a $300 limit for a fixed fee. But if you purchase fuel, a repair service, or merchandise, it will cash your check for free with no fees.
Walmart has 4,743 stores across the county, so it’s likely that you have a store near you.
Not only can you find great prices on a variety of products at Walmart, but the store also offers a ton of financial services, like money orders, and, of course, check cashing.
Does Walmart cash checks?
At Walmart, you can cash a variety of checks including:
- Stimulus checks
- 401k and retirement distributions
- Insurance settlements
- Two-party personal checks
You can also cash money orders and purchase money orders at Walmart. It will cash checks up to $5,000. The fees are $4 for a $1,000 check and $8 for up to $5,000.
30. WinCo Foods
There are 131 WinCo Foods stores in Arizona, California, Idaho, Montana, Nevada, Oklahoma, Oregon, Texas, Utah, and Washington.
Does WinCo Foods cash checks?
Yes, WinCo foods does cash checks. It cashes checks of up to $1,000, and it accepts up to two checks within 7 days from each customer.
What’s great about WinCo Foods is that its stores are open 24 hours a day throughout the week, meaning that you can visit your local store at any time to cash your check.
The store charges a fee of $5 for checks up to $500 and $10 for checks higher than that.
WinCo accepts the following types of checks:
- Two-party checks
- Insurance settlement check
- Manually written payroll check
- Finance loan check
- Deposit slip money order
Winn-Dixie has around 500 stores in Florida, Alabama, Louisiana, Georgia, and Mississippi.
Does Winn-Dixie cash checks?
Yes, you can cash checks at Winn-Dixie. It will only cash electronically signed payroll checks of up to $500. There’s a fee of $3.50. The minimum withdrawal amount is $4.
Winn-Dixie DOESN’T cash the following types of checks:
- Starter checks
- Money orders
- Third-party checks
- Cashier’s checks
- Traveler’s checks
- Insurance checks
- Government checks
- Handwritten checks (payroll)
Here are some answers to common questions about check cashing.
What do you need to cash a check?
If you are looking to cash a check, you will need to have the right documentation with you. Typically, you need to provide one to two forms of identification, which includes a photo ID, like a driver’s license, passport, or state photo ID. A government-issued photo ID is the best, most widely accepted identification to use.
Before you head out to the gas station to cash a check, make sure you call ahead to ask which types of ID it accepts and how many forms of ID you’ll need.
Do gas stations offer 24-hour check cashing?
Yes, gas stations offer 24-hour check cashing. Many do this in the grocery store at which they’re located.
A few places that offer 24-hour check cashing include:
- 7- Eleven
- Pilot Flying J
- Road Ranger
- Tops Friendly Markets
- WinCo Foods
Not all gas stations offer 24-hour financial services. Regular hours for most gas stations tend to be 6 am to midnight.
Are there gas stations that cash checks without an ID?
Some gas stations cash checks without an ID. This includes Dillons and 7-Eleven.
Most places will require one though. If you want to cash a check without an ID, I’d recommend using your banking app. Many banking apps have a check cashing feature that allows you to deposit a check into your account using your phone. Basically, you can cash your check online.
Some examples of banking apps that allow you to deposit checks include:
- Chase Bank: Android. iOS.
- Wells Fargo: Android. iOS.
- First Midwest: Android. iOS.
- Bank of America: Android. iOS.
- Santander: Android. iOS.
- US Bank: Android. iOS.
If you have an account with a bank that has an app with a check cashing feature, download it, and then follow the bank’s instructions for endorsing and depositing your check through the app.
This is one of the easiest ways to cash a check without an ID. Usually, you have to sign up for online banking services for this method to work.
You can contact your bank to see if they provide an app or have a search online.
If your bank doesn’t have a check cashing app, then try the Ingo Money app.
Ingo Money allows you to cash paychecks, personal checks, business checks, and other types of checks. You get the money in minutes, but you are charged a fee. However, if you opt to wait 10 days for the funds, you can get the money for free.
Here’s where you can get the Ingo Money app:
Gas Stations that DON’T Cash Checks
In case you’re wondering, here are the gas stations that DO NOT cash checks:
- Circle K
- Corner Store
- Costco Gas Stations
- Kum & Go
- Kwik Trip/Kwik Star
- Murphy USA/Murphy Express
- Sam’s Club Gas
Gas Stations That Cash Checks Near Me Summary
Because many gas stations open early and close late, they are a great place to cash a check. They allow you to get your cash even if you have to leave your office at 6 pm or you get paid on the weekend.
There are limitations of course. Many gas stations have check cashing limits as low as $300. You will also need an ID to cash your check with most places requiring a primary or secondary identification. As I said before, if you want to cash a check without an ID, try your bank’s app or the Ingo Money app.
Using an app to deposit a check is a really great option not only for those who don’t have an ID but for everyone because it’s so convenient. If you are considering cashing your check at the gas station because they’re open for longer hours than your bank, then using an app is a great alternative, as it allows you to cash a check at any time, right from your phone. This means you can deposit the check from the comfort of your own home.
As I said earlier, gas stations that are attached to grocery stores will be able to cash checks, but not always at the gas station itself. So, you might have to go into the store itself to have your check cashed. Whatever gas station you choose to visit, make sure you call ahead at the store to inquire about what services are offered at that specific location. That way, you don’t waste time heading down there, only to learn they don’t offer a check-cashing service at that location, or they have too small a limit for you.
Give these gas stations that cash checks a try.