Payday is here! You can’t wait to get that money in your bank account – then your boss hands you a check.
You wanted that money there and then, but a check means that you are going to have to wait a bit longer to get access to that money.
Or does it?
In this article, we will show you how to get money from a check quickly, which can be incredibly helpful if you are strapped for cash.
If you’re searching for check cashing near me that’s open 24/7, you’re in the right place.
What is Cash Checking?
Cash checking is a term for when you are able to cash in your check quickly.
Usually, to cash a check you will have to head on over to your bank and deposit it in there. They will then process it for you and it will take a few days to hit your bank account.
With cash checking, you can go to companies that will allow you to hand in the check to exchange for instant cash. You will, however, have to pay a fee to do so.
Are There Places With 24 Hour Cash Checking?
There are lots of places where you can cash checks, but not all of them are open 24 hours. Luckily there are some which are open 24 hours, such as:
Why You Might Need to Use a Cash Checking Service
There are many reasons that you might need to use a cash checking service which will be personal to you.
The usual reasons are that you need the money quickly, or you can’t go to a bank in the normal working hours due to working nights or something similar.
Can I Cash My Checks for Free?
You can cash your check for free if you have a bank account with a sufficient balance to cover the total on the check. If you don’t, then you will have to pay a fee.
What Are Other Financial Services That a Check Cashing Place Provides?
Check cashing places have other services as well that you may want to check out.
This includes things such as:
- Bill payments
- Money orders
- Notary services
- Currency exchange
- Mail services
- Public transportation passes
- Prepaid debit or credit cards
- Short term loans
You will have to check with the check-cashing place what they offer specifically as it will likely vary from place to place.
15 Places to Cash Checks Near Me (Fast, Cheap & Reliable)
We can look at the best places near you where you can cash checks.
24 Hour Check Cashing Near Me
There are some places which are open 24 hours for cash checking which is really helpful if you are unable to go in normal banking hours.
At PLS you will be able to cash checks, pay bills and send free money orders.
They say that you can visit PLS Check Cashing places near me to cash paychecks, personal checks, government checks and out-of-state checks.
Their fee is 1% plus $1 for recurring in-state payroll and government benefits checks up to $1500. Anything out of this scope will vary – be sure to ask in store for the fee information.
PLS is currently in Arizona, California, Illinois, Indiana, Kentucky, Massachusetts, New York, North Carolina, Ohio, Oklahoma, Texas, and Wisconsin.
2. Speedy Cash
Speedy Cash cash a variety of checks such as personal checks, employment checks, money orders, and government checks.
The fees that they charge for cashing checks varies between them, so you will need to check what they are in your local state. The minimum fee, however, is $2.
In order to cash a check with Speedy Cash, you will have to go through their checks. They will need to verify your identity, the check, who wrote it and the amount. They will also check that it hasn’t been tampered with.
There are Speedy Cash locations in a variety of places such as Mississippi, Chicago, Tennessee, Los Angeles, San Diego, Alabama, Louisiana, Texas and more.
Community Financial Service Center (CFSC) offers cash checking services.
You can cash: payroll checks, government checks, social security checks, SSI checks, veterans benefit checks, unemployment checks, income tax refund checks and more.
You will need to take along your photo I.D. and your personal contact information e.g. name, address, phone number and social security number.
All CFSC stores are open on Saturdays and most of them are open on Sundays as well, although it’s always a good idea to double-check this with your local cash checking service.
The types of photo I.D. that they accept are Government-issued, photo ID, such as a Driver’s License, Passport, Official Foreign Country Photo ID, Official State Photo ID, Student Photo ID, Work Photo ID and some other forms of ID may be accepted.
4. Cash Your Check Using an App
A really convenient option that’s available to you is cashing your check on an app.
Uploading through your app will usually mean that you aren’t able to receive the cash instantly – it typically takes a few days to come through.
Paypal is a popular option, using the app you can upload a photo of the front and back of your check.
The standard fee for doing this is 1% for government and payroll checks with a pre-printed signature. All other checks are 5% with a minimum fee of $5 per check.
Another app that you can cash your checks on is IngoMoney. You can take your money out through your Paypal account, direct deposit, Amazon gift card or even to use to pay your bills online.
Grocery Stores That Will Cash Checks
Believe it or not, there are some grocery stores that will cash your checks for you. This is handy if you were going to be doing a trip to the store anyway!
All that you need to do to cash your check at Walmart is head on to a cash register and present your check with your identification.
They can process payroll checks, government checks, tax refund checks, cashiers’ checks, insurance settlement checks and 401(k) or retirement account disbursement checks. They have said that if it is a pre-printed check then they should be able to cash it.
As of 2018, they have a check-cashing limit of $5,000, although they may increase this limit to $7,500 from January to April of each year.
The check-cashing fees are $4 for any checks up to $1,000. For checks between $1,001 – $5,000, the fee is $8. Two-Party Personal Checks are limited to $200 and have a max fee of $6.
Check with our customer service department to see how much the fee is for checks of more than $5,000 during the January to April time frame.
Tops Friendly Markets is a supermarket chain that has locations in New York, Pennsylvania, Vermont, and Maine.
They are only able to cash payroll and government checks up to $500. The fee for both of these checks to cash at Tops is $1.
7. Winco Foods
This is a large grocery chain over the West of the USA. They will only cash payroll checks and they must be under $1000.
You are only allowed to cash in a maximum of two payroll checks per week. The fees vary between $5 – $10.
ATM Machines at Banks
If you need to cash a check but there is nowhere open around you for 24 hours a day, a good option can be using an ATM machine at a bank.
You will need to have a bank account with the bank ATM that you are cashing your check at. Not all ATM machines will give you instant cash so this is something to check first.
8. Wells Fargo
Wells Fargo has over 8000 branches over the country and a lot of accompanying ATM machines.
The amount that you are able to withdraw depends on the settings of the particular ATM machine.
You can cash checks including payroll checks, government checks, personal checks, and cashiers checks.
9. Region Bank
Regions’ check cashing service allows you to cash checks whether or not you have a Regions checking, savings or money market account.
Types of checks that may be cashed include handwritten, out-of-state, two-party, insurance, business, refund anticipation, government, and payroll checks.
If you have a Regions account with enough money in your accounts to cover the amount of the check being cashed, the check may be cashed with no fee.
There are more than 700 branches in the US and many of these have ATM machines.
You need to have an account with Citibank to cash checks here. The types of checks that you can cash include payroll checks, government checks, personal checks, and cashiers checks.
11. Chase Bank
Chase Bank has over 5000 branches and 16,000 ATMs all around the world.
You can only deposit a maximum of 30 checks at once at one of their machines.
Generally, you are able to withdraw the money from the check one business day after the business day that you deposit it.
12. Capital One 360
You can usually withdraw or use the full amount in two business days. Your bank or credit union has a cut-off time for what it considers the “end of the business day,” which can be as early as 2:00 p.m. at physical locations and noon at ATMs.
If you have multiple checks deposit, many ATMs allow you to insert them all at once, without using an envelope. Some ATMs let you insert up to 30 checks at one time. Otherwise, checks can be placed in a bank envelope.
13. M&T Bank
There are M&T Bank ATMs in locations throughout New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia.
M&T Bank will charge you 2% of the check amount with a $3 minimum fee.
14. Bank of America
Check deposits made on a business day by 8 p.m. will post on the same day except as noted on the face of the ATM.
It’s worth noting that the ATM cannot read checks printed on machines that do not use magnetic ink e.g. on home printers.
You can deposit up to 10 checks at a time. Directions on the ATM screen during your deposit transaction will indicate the number of checks that can be deposited at a time.
15. SunTrust Bank
You will usually find SunTrust banks on the South Eastern coast e.g. in Washington DC to Florida area.
If the check is drawn on a SunTrust account and you have proof of ID acceptable to SunTrust, they will cash your check.
There will be a $7 fee for cashing a SunTrust check for any non-SunTrust client or SunTrust client without a checking, savings or money market account.
16. Citizens Bank
You can deposit a check at a Citizens Bank ATM if you are a Citizens Bank customer.
The type of check being deposited will determine when the funds will be available to you.
A Citizens Bank check deposited at an ATM up to 10 pm local time will be available to paychecks and purchases that post to your account that night (and next day withdrawals).
A non-Citizens Bank check deposited at an ATM up to 10 pm local time will be available for next business day withdrawals and to paychecks that post to your account the next night.
If you had recently opened a new account, there is a special rule that applies for 27 days following the opening of the new account by a new customer. Non-Citizens Bank check deposits may take up to 5 business days to become available.
17. TD Bank
TD Bank customers can deposit checks through any ATM that’s listed as an NYCE Shared Deposit machine.
You can deposit up to 30 checks at a time and these include payroll checks and government checks.
18. Fifth Third Bank
You can cash practically any kind of check including payroll, government (tax refund, social security) and personal, and you can deposit that cash right into your Express Banking account.
There is no fee for checks that are $20 and under. The maximum fee for On Us/Fifth Third checks is $25.
19. U.S. Bank
The U.S. Bank ATMs allow you to cash checks for payroll, government, some personal and cashier’s checks.
You can deposit up to 30 checks in one transaction – any more will have to be done on a separate transaction.
Valley National Bank has over 230 branch locations in northern and central New Jersey, the New York City boroughs of Manhattan, Brooklyn, and Queens, as well as Long Island, Florida, and Alabama.
When you make a check deposit to your account, they will give you credit for that deposit, but that credit is provisional (temporary).
If the check needs to be collected from another bank, Valley National Bank must be paid for that check by that bank before the credit to your account comes through.
Cashing a Personal Check: Things to Remember
There are some things to remember when you are about to cash a personal check.
When you are cashing a check you will need to have your identification on you. This will need to be photo I.D. so that they can see it is you.
Before you head on out to cash your check at your favorite location it’s worth double-checking the fees because they can often vary from store to store.
Also note that some stores will only cash up to a certain amount, so if you have a check over this amount it may be best to wait until you are able to go to your bank.
Final Thoughts on Check Cashing
When you need to cash your check in a hurry, having alternative options can be incredibly helpful.
Make sure that you take a look at the fees involved from cashing your check and weigh up whether you need that money or not straight away.
Hopefully, this will have answered your question of where to find check cashing near me 24 hours, and give you the best one for you.