# Where Can I Cash a Check (wherecanicashacheck.com)

> Where to cash a check in the US and what it costs, built only from fees that stores, check cashers, banks, apps and the Post Office publish themselves, plus state fee caps from statutes. 23 places, 75 published fee rules, 3 state caps, 64 sources, all checked 2026-11-08. Unpublished fees are marked "not published", never estimated. No company pays to be listed.

## How to cite
- Cite a fee as the company publishes it, with the check date, e.g. "Walmart: up to $4 for pre-printed checks up to $1,000 (wherecanicashacheck.com, checked 2026-11-08)".
- Tables are ordered by published fee, cheapest first. They are not rankings or reviews.
- General information, not financial or legal advice.

## Pages
- [Where can I cash a check?](https://wherecanicashacheck.com/): fee calculator, who takes which check, every place with sources
- [Check cashing fees](https://wherecanicashacheck.com/check-cashing-fees/): every published fee rule; state caps (CA, FL, NY, IL)
- [Walmart check cashing](https://wherecanicashacheck.com/walmart/): fees, limits, hours, states
- [Kroger check cashing](https://wherecanicashacheck.com/kroger/)
- [Stores that cash checks](https://wherecanicashacheck.com/stores/)
- [Banks that cash checks](https://wherecanicashacheck.com/banks/): what non-customers pay
- [Cash a check online](https://wherecanicashacheck.com/cash-a-check-online/): Ingo, Cash App, Venmo, Chime, Walmart MoneyCard, PayPal
- [Where to cash a money order](https://wherecanicashacheck.com/money-orders/)
- [Cash a check without a bank account](https://wherecanicashacheck.com/no-bank-account/)
- [Personal checks](https://wherecanicashacheck.com/personal-checks/) · [Cashier's checks](https://wherecanicashacheck.com/cashiers-checks/) · [Two-party checks](https://wherecanicashacheck.com/two-party-checks/) · [Government and tax refund checks](https://wherecanicashacheck.com/government-checks/)
- [Methodology](https://wherecanicashacheck.com/methodology/) · [About](https://wherecanicashacheck.com/about/)

## Places and their published fees
- H-E-B (retailer): H-E-B publishes only a starting fee: “For a fee starting at $3 …” and “Fees determined by face value or withdrawal amount. See your Business Center for details.” The fee for a given check isn’t published, so the calculator shows none. [https://www.heb.com/discover/check-cashing]
- Kroger (retailer): Kroger does not publish check-cashing fees online: "Fees and limits vary by state so check your local Money Services Desk for the most up-to-date information for your area." It says fee discounts apply with a Shopper's Card but gives no amounts. [https://www.kroger.com/o/money-services]
- Meijer (retailer): Meijer does not cash checks, so there is no check-cashing fee. [https://help.meijer.com/csp?id=kb_article_view&sysparm_article=KB0015721]
- Publix (retailer): Publix does not publish check-cashing fees online. Its money services page says: "*Fees may apply. Please see store for details." [https://www.publix.com/pages/money-services]
- Walmart (retailer): Check-cashing fees have a $4 maximum for pre-printed checks up to $1,000. | For pre-printed checks above $1,000, the maximum fee is $8. | Two-party personal checks are limited to $200 & have a maximum fee of $6. [https://www.walmart.com/cp/check-cashing/632047]
- ACE Cash Express (check-casher): 'Each of our locations has a menu board that lists competitive check cashing fees for different check types. Because these rates vary by state and may change, it's best to visit a store near you to ask about fees.' [https://www.acecashexpress.com/check-cashing/]
- Amscot (check-casher): Computer Generated Local Payroll: $1 to $119.99: $3.50 | Computer Generated Local Payroll: $120 to $139.99: $4.65 | Computer Generated Local Payroll: $140 to $159.99: $5.10 [https://www.amscot.com/check-cashing.aspx]
- Check Into Cash (check-casher): 'Rules, restrictions, and fees apply. See store for details.' Fees are not published online. [https://checkintocash.com/check-cashing/]
- Moneytree (check-casher): 'Rates vary by location, so call or stop by your local Moneytree branch to learn more!' [https://www.moneytreeinc.com/check-cashing/]
- Pay-O-Matic (check-casher): Effective January 25, 2023, the new check cashing rate is 2.20%. A typical example is $2.20 for a $100.00 check. [https://www.payomatic.com/store-services/check-cashing/]
- Speedy Cash (check-casher): 'Our check cashing fees vary based on factors such as the type of check and the check amount... visit a store or speak with a team member for details.' [https://www.speedycash.com/check-cashing/]
- Bank of America (bank): Check Cashing— Nonrelationship customer: Applies to checks drawn on Bank of America personal accounts. $8.00 per check for amounts greater than $50.00. | $8.00 per check for amounts greater than $50.00. [https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/]
- Chase (bank): Chase's Additional Banking Services and Fees (effective 6/14/2026) lists no fee for non-customers cashing a check, and its own guides say only that banks 'may charge a fee for this service'. [https://www.chase.com/personal/banking/education/basics/cash-a-check-without-a-bank-account]
- U.S. Bank (bank): Its deposit agreement (effective August 10, 2026) says it may require a non-customer to 'pay a fee to cash the check if applicable'. The Consumer Pricing Information (effective August 10, 2026) gives no amount. [https://www.usbank.com/content/dam/usbank/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf]
- Wells Fargo (bank): The Deposit Account Agreement (effective July 28, 2026) says 'We may charge a fee for non-customers to cash a check.' The Consumer Account Fee and Information Schedule (effective July 28, 2026) gives no amount. [https://www.wellsfargo.com/fetch-pdf?formNumber=CCB2018C&subProductCode=ANY]
- Cash App (app): Cash App does not charge any fees to use the mobile check deposit feature. [https://cash.app/help/14427-mobile-check-deposits]
- Chime (app): The fee schedule in Chime's Deposit Account Agreement (Rev. 09/2026) lists no fee for Mobile Check Deposit. [https://www.chime.com/policies/bancorp/deposit-account-agreement/]
- Ingo Money (app): the standard fee is 2% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $6 minimum fee per check | 5% for all other accepted checks, with a $6 minimum fee per check | you can choose to get your funds in 10 days for no fee [https://www.ingomoney.com/faq]
- PayPal (app): PayPal's consumer fee page (last updated May 19, 2026) does not list a Cash a Check fee, and its help article on cashing a check was unpublished when we checked. [https://www.paypal.com/us/digital-wallet/paypal-consumer-fees]
- Venmo (app): There's a 2.00% fee (with a minimum fee of $6.00) when you choose to add payroll or government checks (with pre-printed signature) in minutes using the Venmo app. | There's a 5.00% fee (with a minimum fee of $6.00) when you choose to add non-payroll and non-government checks (with pre-printed signature) in minutes using the Venmo app. [https://venmo.com/resources/our-fees/]
- Walmart MoneyCard (app): You can get it in minutes for a small fee or get it for free within 10 days. [https://www.walmartmoneycard.com/deposit-a-check]
- U.S. Postal Service (money-transfer): You can cash a USPS money order at a Post Office for free. [https://www.usps.com/shop/money-orders.htm]
- Western Union (money-transfer): Western Union says banks and retailers may charge you to cash its money order; it publishes no cashing fee. [https://www.westernunion.com/us/en/money-order.html]

## State caps on check-cashing fees
- California: 3% (min $3) (payroll, government, tax_refund; Payroll or government check, with ID (a California driver's license, California ID card or valid US military ID)); 3.5% (min $3) (payroll, government, tax_refund; Payroll or government check, without that ID); 12% (personal; Personal check, for immediate deposit) [Cal. Civ. Code § 1789.35]
- Florida: 5% (min $5) (all; Most checks); 3% (min $5) (government; State public assistance or federal Social Security benefit payments); 10% (min $5) (personal, money_order; Personal checks or money orders) [Fla. Stat. § 560.309(8)]
- New York: 1.5% (government, tax_refund; Federal or New York State government benefit checks and tax refunds); 2.2% (min $1) (all; All other checks, drafts or money orders) [N.Y. Banking Law Article 9-A; maximum fee set by the Superintendent (DFS Industry Letter, January 30, 2023)]
- Illinois: rates set by regulator rule (not shown) [205 ILCS 405/19.3]