Where to cash a money order

H-E-BFee not published

Store · H-E-B check cashing (Business Center / Service Center)

• Government
• Payroll
• Insurance
• Money order

Fees

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.

Who

No bank account needed; H-E-B states no other eligibility rules online

Where

At the Service Center / Business Center in H-E-B stores

Limit

Fees and limits apply. Fees determined by face value or withdrawal amount. See your Business Center for details.

Speed

Funds are available in cash or loaded to your H-E-B Netspend Prepaid Mastercard® Debit Card. No need for a bank account or waiting for funds to be available.

• H-E-B also cashes dividend checks.
• Money orders are cashed only if they are Western Union money orders bought at H-E-B.
• You can take the money in cash or have it loaded onto an H-E-B Netspend Prepaid Mastercard debit card.
• Limits apply but are not published; ask at the Business Center.

KrogerFee not published

Store · Kroger Money Services check cashing (Money Services Desk)

• Payroll
• Government
• Tax refund
• Insurance
• Business
• Money order

Fees

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.

Who

Anyone with ID and a Social Security or Taxpayer Identification Number; no bank account or enrollment needed

Where

At the Money Services Desk in Kroger and Kroger-family stores ("more than 2,000 Money Services locations"). The same check-cashing page appears on the Ralphs, Fred Meyer, King Soopers, Fry's, Smith's, Dillons, QFC, Harris Teeter, Mariano's, Pick 'n Save, City Market, Baker's, Gerbes, Jay C and Metro Market sites; Food 4 Less's Money Services page also lists check cashing.

Limit

Check cashing with Money Services is simple and hassle-free, and we can accept checks up to the value of up to $5,000.

ID

Along with your check, bring your Social Security or Taxpayer Identification Number and one of these forms of ID: US-issued Passport, State-issued ID, Driver's License, Resident Alien ID, Military ID, Matricula Consular ID, Tribal Nation or Reservation ID

Hours

We are generally open from 8am-8pm, but operating hours may vary depending on your location.

Speed

Cash checks securely & receive funds immediately.

• You must have ID to cash a check; Kroger also asks for a Social Security or Taxpayer Identification Number.
• No bank account or enrollment is needed.
• Fees and limits vary by state; ask at the Money Services Desk.
• Loyalty cards are not required, but fee discounts are offered when you use your Shopper's Card.
• Many Money Services locations are open on Sundays and most holidays.

PublixFee not published

Store · Publix check cashing (at Customer Service)

• Personal
• Payroll
• Money order

Fees

Publix does not publish check-cashing fees online. Its money services page says: "*Fees may apply. Please see store for details."

Who

Customers who show a driver license, state-issued photo ID card or military ID

Where

At the Customer Service counter in all Publix stores (AL, FL, GA, KY, NC, SC, TN, VA)

ID

To cash a check at Publix you must provide a driver license, state-issued photo identification card, or military identification.

• Publix cashes personal and payroll checks at all stores; it names no other check types.
• Publix sells money orders (provided by Western Union) but does not cash them.
• Publix warns of fake checks that appear to be from Publix (lottery or mystery-shopper scams): "If you don't know why Publix would send a check to you, then don't cash or deposit the check."

WalmartFees published

Store · Walmart check cashing (Money Service Center / Customer Service desk)

• Payroll
• Government
• Tax refund
• Cashier's
• Insurance
• Retirement
• Money order
• Personal

• Payroll, Government, Tax refund, Cashier's, Insurance, Retirement $0–$1,000Pre-printed checksup to $4 (max $4)
• Payroll, Government, Tax refund, Cashier's, Insurance, Retirement $1,000.01+Pre-printed checksup to $8 (max $8)
• Personal $0–$200Two-party personal checks, in some locationsup to $6 (max $6)

Fees

Walmart publishes maximum fees only ("Max fee of $4 ... Subject to applicable law"), so the fee charged in a given state can be lower. No separate fee is stated for cashing money orders.

Who

Anyone with a check and valid ID; no registration or Walmart card needed

Where

At the Money Service Center or Customer Service desk in Walmart stores, in the 40 states plus DC that Walmart lists

Limit

In most states the check-cashing limit is $5,000, though we increase this limit to $7,500 between January & April of each year.

ID

Bring your check & valid ID to a Walmart store.

Hours

Supercenters are open from 6am-11pm.

Speed

You'll get your money immediately & save time doing it.

• Endorse the check and hand it to the cashier at the Money Service Center or Customer Service desk with valid identification.
• No registration, Walmart store credit card or Walmart MasterCard is needed.
• The per-check limit rises from $5,000 to $7,500 between January and April each year.
• Two-party personal check cashing is not available in New Jersey and is limited to $200.
• Walmart lists the jurisdictions where check cashing is available; FL, IN, MS, NJ, NM, NY, OH, RI, TN and WI are not on that list.

ACE Cash ExpressFee not published

Check casher · ACE check cashing

• Payroll
• Personal
• Business
• Tax refund
• Government
• Insurance
• Money order

Fees

'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.'

Who

Anyone with a valid government-issued photo ID

Where

700+ ACE stores

Limit

ACE does cash checks in large amounts.

ID

No. A valid photo ID is required to cash a check at ACE Cash Express.

Speed

Cash in hand at the store.

• ACE's fees are posted on each store's menu board and vary by state; they are not published online.

AmscotFees published

Check casher · Amscot check cashing

• Payroll
• Government
• Insurance
• Tax refund
• Personal
• Money order
• Cashier's

• Payroll $1–$999.99Computer-generated local payroll checks; 45 amount bands$3.50–$15.95
• Payroll $1,000+Computer-generated local payroll checks2% (min $3.50)
• Government $1–$999.99Government checks; 8 amount bands$4–$11
• Government $1,000–$1,499.99Government checks1.99% (min $3.50)
• Government $1,500+Government checks2.99% (min $3.50)
• Tax refund2.75% (min $3.50)
• Cashier's, Insurance4.9% (min $3.50)
• Money orderAmscot money orders only1.5% (min $3.50)
• PayrollAll other payroll and handwritten checks (3.5% to 4.5%; the top of the range shown)up to 4.5% (min $3.50)
• Personal, Money orderPersonal checks and money orders from other issuers9.9% (min $3.50)

Fees

Amscot's published schedule; 'All Other Checks Please Ask A Customer Service Representative'. Separate promotional payroll rates apply at Miami-Dade and Broward branches.

Who

Anyone with a valid government-issued photo ID

Where

Amscot branches in Florida

Limit

'We cash all kinds of checks, anytime, and for any amount.'

ID

A valid government issued photo ID (i.e. driver's license or passport).

Also

A $3.50 minimum check cashing fee will apply, unless otherwise noted.

• Amscot publishes its full check cashing fee schedule as a PDF.
• Fee schedules are also posted in the lobby of each branch.

Check Into CashFee not published

Check casher · Check Into Cash check cashing

• Payroll
• Government
• Tax refund
• Loan
• Insurance
• Money order
• Cashier's
• Two-party

Fees

'Rules, restrictions, and fees apply. See store for details.' Fees are not published online.

Who

Anyone with a valid government-issued photo ID

Where

Check Into Cash stores

ID

Your unendorsed check and your valid government-issued photo ID.

MoneytreeFee not published

Check casher · Moneytree check cashing

• Personal
• Business
• Government
• Payroll
• Insurance
• Cashier's
• Retirement
• Money order
• Tax refund
• Two-party

Fees

'Rates vary by location, so call or stop by your local Moneytree branch to learn more!'

Who

Anyone who meets its ID process (it accepts some international IDs)

Where

Moneytree branches in California, Colorado, Idaho, Nevada and Washington

Limit

'Any amount – large or small*'

ID

Flexible ID process; it lists customers without a driver's license or with an international ID.

Speed

Cash on the spot for most checks, or Instant Funding to a qualifying debit card.

Pay-O-MaticFees published

Check casher · Pay-O-Matic check cashing

• Payroll
• Government
• Tax refund
• Insurance
• Money order
• Personal

• Payroll, Government, Tax refund, Insurance, Money order2.2%

Fees

Pay-O-Matic's page gives one rate for the check types it cashes.

Who

Anyone with photo ID

Where

Pay-O-Matic stores (New York)

ID

Bring valid ID and your check ('just bring photo ID').

Speed

Leave with cash immediately – no holding period.

• Pay-O-Matic does not cash personal checks.

Speedy CashFee not published

Check casher · Speedy Cash check cashing

• Retirement
• Government
• Cashier's
• Insurance
• Money order
• Payroll
• Personal
• Tax refund
• Loan

Fees

'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.'

Who

Anyone with a valid government-issued ID

Where

Speedy Cash stores

ID

Provide a valid government-issued ID.

Speed

You can typically receive your money on the same day.

Cash AppFees published

App · Cash App mobile check deposit

• Payroll
• Personal
• Cashier's
• Government
• Tax refund
• Money order

• Payroll, Personal, Cashier's, Government, Tax refund up to $3,500 (slower)Free

Who

Eligible Cash App customers

Where

In the Cash App app: Money tab, Deposit Check

Limit

5 accepted checks per 30 days, $3,500 per check, $7,500 total per 30 days

Speed

Generally, checks are funded in up to 6 business days, though many are funded sooner. In limited cases, funding may take up to 8 business days.

• Endorse the back in blue or black ink and write 'Cash App Deposit' under your signature.
• The check must be under 180 days old; keep the paper check for at least 14 days.
• Cash App's help centre notes that from September 30, 2025 most federal payments made by paper check moved to electronic payment.

ChimeFee not published

App · Chime Mobile Check Deposit (The Bancorp Bank, N.A. deposit account)

• Government
• Cashier's
• Money order
• Two-party

Fees

The fee schedule in Chime's Deposit Account Agreement (Rev. 09/2026) lists no fee for Mobile Check Deposit.

Who

Eligible Chime checking account members

Where

In the Chime app, into a Chime Checking Account

Limit

Maximum of $2,000.00 per check (non-U.S. Treasury); maximum of $5,000 per U.S. Treasury check; maximum of $10,000.00 per month

Speed

Unless rejected or subject to a longer delay, funds will be available no later than five (5) business days after the deposit is processed.

Also

$2.50 per out-of-network ATM withdrawal or over-the-counter cash withdrawal.

• Chime is not a bank; the account is held at The Bancorp Bank, N.A. or Stride Bank, N.A.
• Cashier's checks, money orders, checks over six months old and starter or counter checks are prohibited.

Ingo MoneyFees published

App · Ingo Money app (cash a check by photo)

• Payroll
• Government
• Business
• Two-party
• Insurance
• Cashier's
• Money order
• Rebate

• Payroll, Government $5–$5,000 (in minutes)Payroll and government checks with a pre-printed signature2% (min $6)
• Other checks $5–$5,000 (in minutes)All other accepted checks5% (min $6)
• Other checks $5–$5,000 (slower)Money in 10 days, if the check is approved and not returned unpaidFree

Fees

Frequent users (six or more checks cashed in minutes in 90 days) get 'Ingo Gold' pricing: 1% or 4% with a $5 minimum.

Who

Ingo Money app users; registration checks name, address and Social Security Number

Where

In the Ingo Money app; money goes to a bank debit card, prepaid card, credit card or PayPal account you choose. Not available in New York.

Limit

$5,000 per check, $5,000 worth of checks per day and $10,000 worth of checks per month

ID

Registration fails if 'your name and address don't match or your name and Social Security Number don't match'.

Hours

In the app, any time.

Speed

Approval 'usually in a few seconds, although it can take 3-5 minutes and in rare circumstances, up to an hour'; most banks, prepaid card issuers and PayPal make funds available in minutes.

Also

The card or account you send the money to may impose its own limits and fees.

• If your check isn't approved, your account will not be funded and no fees will be assessed.
• Ingo generally doesn't accept checks not made out to you, conditional endorsement checks, counter checks, credit card checks, starter checks, traveler's checks or warrants.
• Ingo Money service is not available in the state of New York.

U.S. Postal ServiceFees published

Money orders · Cashing a USPS (postal) money order at a Post Office

• Money order

• Money order up to $1,000USPS money orders onlyFree

Who

The payee of a USPS money order, with a primary photo ID

Where

Any Post Office location

Limit

You can send up to $1,000 in a single order anywhere in the United States.

ID

Do not sign the money order. Take a primary photo ID with the money order to any Post Office location. Sign the money order at the counter in front of a retail associate.

Hours

Post Office opening hours.

Speed

Cashed at the counter for the exact amount on the order.

• Domestic money orders never expire and they do not accrue interest.
• You can also cash them at most banks and some stores. Rural carriers may cash money orders if they have enough money on hand.
• Verify a postal money order at tools.usps.com/money-orders.htm or by calling 1-866-459-7822 before you accept it.