There is nothing more frustrating than needing to access cash and being unable to because the banks are just not playing ball. Have you ever needed to cash a check outside of the usual banking hours? Most people have, and the hunt is then on to find the right check cashing place while you can so that you can get access to the funds you need when you need them. Sometimes, working overtime or double shifts, or even shifts with unsociable hours can be draining; you are never out in public when the stores and banks are open, so you’re left to try and figure out how to get to the right check cashing place after midnight. It’s frustrating, and it should be easy to do.
It’s always ideal to get your banking done during the regular business hours when there are people to talk to you, and you can run your usual errands with ease. When you think about it, you may need to turn to the type of check cashing place that charges you a fee for their service – it’s inevitable when “normal” just isn’t an option for you. Don’t worry though; you’ve got some choices. We’ve put together eighteen different places that you can go to cash your checks at times that work better for you.
Stores That Cash Checks 24 Hours A Day
Speedy Cash
A check cashing place and payday loan store, Speedy Cash will cash nearly all types of checks, including payroll checks, student loan checks, and personal checks. Speedy Cash is great for check cashing, but it’s best to stay away from their loans; a 450% interest rate is nothing you want to worry about getting into. The APR of a standard credit card is 17%, so you can see why it wouldn’t be advisable to go that way for anything other than check cashing.
Speedy Cash has locations throughout the US, and most of these are open 24 hours. You’ll find that they charge a minimum of $2 to cash your check.
PLS Transportation Services & Check Cashing
A popular check cashing place is PLS Transportation Services & Check Cashing, offering you check cashing and other financial services 24 hours a day. The beauty of this one is that you can access their services across twelve different states, including;
- Arizona
- California
- Illinois
- Indiana
- Kentucky
- Massachusetts
- New York
- North Carolina
- Ohio
- Oklahoma
- Texas
- Wisconsin
Checks can be cashed at any time of day or night, which is helpful for those who cannot get to banks during regular working hours. They cash paychecks, personal checks, and government checks. Fees depend on the location you choose, and most of them charge $1 with 1% of the amount on the check.
Community Financial Service Center
Those who need a check cashing place to be open 24 hours will do well when they go to Community Financial Service Center, Most of their locations are open the full 24 hours, so you should check the individual store. With over 200 locations in the US, they will cash different check types, including;
- Payroll checks
- Government checks
- Social security checks
- Benefit checks
- Income tax refund checks
There are others that they will cash, too, so it’s always best to call beforehand and ensure that they can cash your check for you. Check cashing places like this one do have check limits, and these vary by location.
ATM’s At Banks You Can Cash Checks
You can get the best luck with your check at an ATM that will cash your check 24 hours a day. There are only a few stores and grocery stores that are open 24 hours, but ATMs usually have 24-hour access. It works a little differently with an ATM because you’re not cashing a check in the same way you would with a 24-hour store. You’re making a deposit, and then withdrawing the money: the same result, different process. The only catch is that you need to be an account holder with the bank that you are depositing your check.
M&T Bank
Operating in eight different US states, including New York, New Jersey, Maryland, West Virginia and Washington D.C, M&T have almost 800 check cashing places in the US. Primarily for M&T customers, you can cash government checks, payroll checks and more at the ATM without needing an appointment inside with a teller. M&T Bank has been open since 1856 and is still going strong, which should give you an indication of its popularity!
Citibank
At Citibank, you need to be an account holder to be able to cash checks using their ATMs. There are over 700 branch locations in the US, with thousands of other branches dotted across the world. A Citibank ATM accepts the following:
- Government checks
- Payroll checks
- Personal checks
- Cashier’s checks
If you need to cash insurance checks or inheritance checks, take time off work to get to the bank during regular banking hours – it’s not worth trying it in the ATM for it to be put on hold and have to go into branch anyway.
Bank of America
With numerous locations worldwide, it’s no wonder that the Bank of America is a popular option. There are over 4,000 branches and 15,000 ATMs across the globe. There are different conditions for a check to be deposited at a Bank of America ATM, and that’s mainly that you can cash a check, but only if it has magnetic ink.
This means that you will have wasted your time if you were to try to cash a check printed from home. The checks printed at home can be cashed inside the bank, but you can expect a hold put on the check for security and this is fruitless if you cannot get to the bank during regular banking hours anyway.
U.S Bank
Another large bank with 24-hour ATM access is U.S Bank. There are more than 3,000 locations in the US, which means that you should be able to find somewhere to cash your check at whatever time of day works for you. The ATMs usually allow customers to cash government, payroll, some personal and cashier’s checks when you use it. They can only accept a limit of 30 checks at once, so try not to overload it!
Chase Bank
Founded in 2000, Chase Bank is the follow-on bank of Chase Manhattan Bank and J.P Morgan & Co. With over 16,000 ATM around the world and 5,000 branches, there should be more than enough options for you to deposit your check. At Chase Bank, they accept;
- Government checks
- Payroll checks
- Personal checks
- Cashier’s checks there.
ATM may let you cash other types of checks, but it’s better to check your banking small print before you go ahead – just in case. There is a maximum of 30 checks that can be deposited at once via ATM, so make sure you are organized correctly before you go ahead and start feeding them to the machine!
Capital One 360
If you are an owner of a Capital One 360 account, you can cash payroll, government, personal checks and more. There are over 700 banking locations in the US, and the account is a high-interest paying, no fee account. There are other specific benefits that a Capital One 360 account holder benefits from, too, but you should check with the bank regarding ATM limits and settings before you head out to cash your checks. One of the main benefits of being a Capital One 360 account holder is the check cashing privileges that you get.
Wells Fargo
With over 13,000 ATM points worldwide and 8,000 branch locations, you’re spoiled for choice with Wells Fargo. Customers with Wells Fargo Bank can expect to get instant access to their cash when cashing:
- Payroll Checks
- Government Checks
- Personal Checks
- Cashier’s Checks
The amount you can withdraw depends on your own terms and conditions with the bank and also depends on the ATM settings, too. Contacting the customer service center of the bank to adjust the limit at the ATM can help if you are working awkward shifts and cannot get to the bank during regular hours.
Valley National Bank
Founded in 1927, Valley National Bank serves the community in New York, New Jersey, Florida, and Alabama. If you have an account, you can use their cash machine to cash payroll, government and personal checks with ease, without needing the bank to be open. You do have to have an account with them to be able to do this, though, and check depositing and withdrawal limits are variable based on the location of the branch, too. It’s handy to have you actual bank ATM open to deposit checks, as you get the peace of mind that you know it’s in there just fine.
SunTrust Bank
SunTrust Bank was founded in the late 1800s, and they have over 1,400 banking locations with over 2,100 ATM’s in the US alone. Primarily in operation in the Southeastern US, including Washington D.C, they are exclusive to SunTrust Bank customers. Account holders can cash payroll checks, government checks and more at the ATM any time of day or night. Rules of your bank account apply when it comes to cashing checks at SunTrust, so make sure that you check the small print before you go for it.
TD Bank
TD Bank account holders can deposit up to 30 checks at once using the ATM, and as there are over 1,300 TD Bank locations, you won’t be out of options. They operate in 15 different states, as well as Washington D.C. They are cited to be America’s Most Convenient Bank, so it’s worth putting your effort into finding one for your check cashing needs – if you’re a customer, that is.
Citizens Bank
Operating over 1,200 branch locations and 3,000 ATMs in eleven different US states, Citizens Bank can be found dotted over the Northeastern US, Michigan and Ohio. All checks – including payroll, government and cashiers can be deposited without an envelope.
Fifth Third Bank
Those living in the Southeastern U.S or the Midwest may have heard of Fifth Third Bank. With over 1,000 locations in states that include Kentucky, Ohio, and Florida, along with Tennessee, account holders can cash payroll checks, government checks, personal checks and others. There are over 2,400 ATMs, too, but it’s worth checking your banking settings to see if you can deposit.
Grocery Stores That Will Cash Checks
There are a few grocery stores that will cash checks for you 24 hours per day, but not every store will have a location open 24 hours. It’s important to always check with the location before you make the journey to cash a check – so that you won’t be disappointed.
Walmart
Almost every Walmart location has a check cashing place inside. The counters are mostly open when the store is open, so if the store is a 24-hour store, you can cash your checks 24 hours a day. Some Walmart stores choose to close their check cashing counter for the overnight hours that they are open, but you can always check with the cashiers to see if someone can help you out. There may be a lower check cashing limit at the cash register, but this is to ensure that the registers aren’t drained of funds. Walmart is great for cashing checks, and they’ll cash these;
- Payroll checks
- Government checks
- 401k checks
- Cashier’s checks
- Settlement checks
And more. You can even ask them if they will cash a money order for you if they were purchased initially at Walmart. The fee ranges between $3-6 for cashing a check, but that can vary by location.
Tops Friendly Market
With nearly 200 locations, they offer to check cashing services for government and payroll checks only. Fees are minimal, with only a dollar per check, but they do have a $500 limit on checks that they cash out.