24 Easy Check Cashing Near Me Open 24 Hours (No ID)

Easy Cash Check Near me

We cannot use physical checks everywhere; therefore we always need some cash in our pocket. In the 21st century, we have various online payment options such as Venmo, PayPal, etc. 

However, the United States is the third largest country by area; therefore, there are no Bank branches everywhere near you. On the other hand, the population is around 330 million, and people are living everywhere in the United States, so the banks can’t open a branch everywhere.

This is the reason why many companies exchange your check with physical money. However, they take some commission, and it’s fair enough, as it’s a business.

I have provided the list of companies and places where you can exchange your check with physical money. One by one, we will learn how to cash a check near me. 


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Easy Cash Check Near me


Table of this Article

How Does a Check Cashing Service Work?

It is very simple. You will only need a driving licence, or some more information like SSN (Social Security Number) when you want to cash your check in the store. Although, in most cases, the driving license is enough, they will only verify that. 

I have mentioned various platforms and places where you can go to cash your check, and they all have different commission (Fee) rates. So when you go there, you can ask them before using their services. However, I have mentioned a few store rates.

Besides this, I have provided the location of stores. You can click the button to find a store to cash your check. You will be redirected to the closest check cash store near me (You).


Benefits of Easy Check Cashing Near Me

The biggest benefit of Check Cashing is that it saves your energy and time as you don’t have to stand in a line and wait for your turn. 

Even if you do not have a regular bank account, you can still get your money. Many international students do not open their bank accounts as they receive money in PayPal, etc, from their parents. 

You don’t need to wait for a long time to get cash. Therefore, it is a super easy way to cash checks.


What are the disadvantages of using check cashing services?

Well, there are no disadvantages, but you may find it a little frustrating because most companies hold funds for a few business days before releasing them.

If the fund is higher, they can hold it for more than 21 days because it happened to me when I received $5000 in my PayPal account.


Check cashing stores near me

Although companies that I’ve mentioned cash checks but, they also have other financial services such as money orders, loans, etc. 

In large numbers, these stories exist across the country. So, If you prefer to cash the check, you can use these stories near you. However, make sure to ask the price, because some of them have low prices and some very high prices.

Not a single store will cash checks without a fee, so you can also call them to ask the price before you head to the store.

Disclaimer: Most of the stores that I have mentioned provide loans, which is kind of a trap for lower-salary people because they have very high interest rates. So it might become impossible for you to get out of their trap. 


1. PLS Stores

PLS Stores is one of the best stores if you want a cash check, no matter if you have a personal check, Paychecks, government check, or any other. 

PLS stores are open 24/7. However, they’re limited to 12 States: Northern California, Wisconsin, Ohio, Illinois, New York, Arizona, Massachusetts, Texas, California, Oklahoma, Indiana, etc. Also, they charge $1 plus a percent of your checks.

PLS Stores Near me


2. Issuing bank

If you have time to stand in a row, then you may consider going to the bank as they are the best place if you want to cash your cheque. However, you do not need to have a bank account. 

For example, if somebody gives you a check from KeyBank and you do not have an account in this bank, you can still go to that bank and cash your check. 

However, it is not free at all. You may need some ID. As I have said, such as your driving licence and they will charge some money.


3. Sign it over to a friend

Another best way is to sign it (Check) over to your friend or relatives. We call this method “Third Party Check” because you’re giving ownership of that check by giving it to your friend. 

Here are a few steps on how you Sign/Endorse a Check Over your friend:

Step 1. Plan before endorsing the check to your friend and confirm if he will accept it because it might also be difficult for him to cash it.

Step 2. Make sure his bank will accept it or not.

Step 3. Most check has an option on the back mentioning “Endorse Check Here.”

Step 4. Now you need to Write “Pay to the Order of” your friend’s or third party’s name below your signature.

Step 5. Congratulations! Now, you can give that check to your friend or third party to cash it.


4. Travel Centers 

Pilot Flying J, or Pilot Travel Centers LLC, is a restaurant chain doing Business in the United States and Canada.

They provide various services to their customers, such as Truck washes, Parking, Western Union, Public laundry, and most importantly, “Check Cashing.” The good thing is that they’re open 24/7. 

Their Stores are available mostly in North America, and you also have to pay a small fee when cashing a check.

However, if you’re cashing a check at their store in New Jersey, it’s free, and it’s also free for UltraONE Platinum Members. And a few amounts may fluctuate. You may see different prices at different stores.

Find a pilot flying J near me


5. Banking apps to cash a check

The internet, like Google Play Store and Apple Store is full of applications or apps that have a bank as a partner.

They can cash a check. However, they do not have a physical location where you can go and cash checks; therefore, you will need to use your smartphone.

You don’t need to worry about banking apps because famous tech companies handle these applications, because of which money is safe or FDIC insured.

In the United States of America, around 6 million people do not have bank accounts, so if they receive cash from a company, it might be hard for them to cash their checks. Therefore, they can use a banking app as they are trusted, too.

Another good thing about banking apps is that they do not have a minimum cash requirement to cash your check. I prefer to use GO2bank for check cashing.

You may also create an account on Dave or Chime by providing your details. You can create within 15 minutes, so it is really easy. 

If you are choosing another banking app, remember some apps have a subscription fee as well. On the other hand, a few apps may also ask you to connect your bank account. However, I recommend you open a bank account if you’re a US citizen.


6. Check cashing at ATMs

An ATM is the easiest and best way to cash your check and withdraw the funds, and it is very easy. However, it is not a quick process. You may need to wait a day or more, depending on the bank ATM, then the ATM will show you if the fund is available.

Initially, the ATM may show your current Balance (Which is the bank balance that you already had), and it might also take a few days to clear your check. 

Here’s how to cash a check at an ATM:

  1. Insert the debit card.
  2. Type in your PIN and press Enter.
  3. Select the “Deposit Check” option 
  4. Insert your check into the check deposit slot.
  5. Now, Confirm the amount on the check.
  6. Withdraw the money you need from the ATM. 

Note: It only works when you have a bank account. If you do not have them, try another way to cash a check.

Nearby ATM



Another easy way to cash a check is CFSC. It has around 200 locations in the United States, but most of them are found in metropolitan cities, which are open 24/7. 

They have different opening hours such as 9:00 am – 6:30 pm and 6:30 pm to 9:00 am. You can check the CFSC location near your home.

You need to provide an ID such as SSN, Contact Information, or more at the Community Financial Service Center (CFSC) when you want to cash a check. However, they won’t cash a personal check.

If you frequently use the CFSC, you will get discounts on future transactions. It is like a loyalty program.


8. Use Ingo Money

Many other banking apps use Ingo Money to cash a check. Therefore, I consider it one of the best places for cashing checks.

Another good thing is that you don’t need to have a bank account, unlike the ATM, as we have discussed above. You can download the application on your smartphone and create an account.

To create an account will need to provide your SSN (social security number) so that they can verify. If you want, you can also connect your bank account, PayPal account or credit card for future transactions with this application.

You’re allowed to cash a check that has over $5000 in funds available. They accept almost every type of check, such as Personal or business checks, money orders, paychecks, etc.

If you are a frequent user, you can also buy their “Ingo Gold” only if you cash the check at least six times in 3 months or 90 days. If you don’t do so, you have to pay a little cost to cash a check, but with the standard plan, it’ll decrease a little.

If you’re planning to buy the standard plan, there are a few things that you have to remember: 2% to 5% fixed fee, but If you have to cash more than $250 th,e percentage may increase.

If you have a bank account, you can take money after 10 days in your Bank account, and it’s free of cost. Or, if you need money right now, you can get it from the MoneyGram store.

They’ll charge $5 and will ask you to show your ID. Your details must be matching with the Ingo account.

When you’re submitting a check, you need to take pictures and send them so that they can be verified and reviewed within an hour. 


Best check cashing stores near me

First of all, you need to cash your check on the ATM, banking app and other platforms such as the Bank, but if you’re having trouble with them, then you can go to the check cash Store. 

If you’re looking for a 24-hour check cashing near me (You), then you may want to go with Winco stores, Walmart, Flying J gas stations, etc. They’re mostly open 24/7. 


9. Winco

If you have a check that has $1000 or less funds available then you can visit WinCo Foods. But don’t forget to carry your government-issued ID that has an address available on it which is matching to the check. After looking at all these things, the Store will approve your check. 

Note: If your check is older than a month, they will not accept it, as it’s against their check cashing policies.  


10. Some Credit Unions

Some banks and Credit Unions offer check cashing services, even if the check isn’t written by one of their holders. Yet they can check cash, and they’re supportive, too. However, before visiting a credit union, you should call them because not all credit unions support that.


11. Check into Cash near me

More than 600 Check Cash stores are available in the United States. Therefore, it is easy to find a check cashing store near me (You). And they’ll also charge some money.

They have a pretty high fee, 10% on personal checks. So, if you have a $1000 check, they’ll take $100 as their commission fee. However, it’s only 3% for a business check, so if you have a $1000 business check, they’ll only charge $30. 

And the reason why they’re charging 10% on personal checks is that they’re a bit riskier for them as compared to business checks.


12. Cashing a check on Venmo

Venmo is another popular platform that we use for regular transactions, just like PayPal, so you can cash your check and add money to your Venmo balance.

First of all, you need to create an account on Venmo and then apply for the Venmo debit card or set up direct deposit. You need to profile your information, such as a Social Security Number, date of birth, address, photos, and ID proof. 

This is how you can cash a check on Venmo:

  1. Download Venmo App
  2. Click on “Me.”
  3. Manage Balance
  4. Cash a Check
  5. Now, Provide a photo of your check from both side
  6. Complete the process

After that, you have to tell them when you want to receive money. If you want right now, you will have to pay some amount. After that, your check will be verified, and in some cases, they can do it even in minutes or seconds.

Once the officials approve your check, you will have to write “VOID”. When you complete all the steps, the confirmation message will display on your screen, which will show your amount has been successfully transferred into your Venmo account.


13. Ace Cash Express near me

Ace Cash Express has over 850 stores available in the United States of America, and they cash various types of checks such as business, personal, etc.; however, they can charge around a 6% fee. If you have a $200 check, you may have to pay $12.

Although they don’t show a chart, it depends on the state and the Store. Ace Cash Express is a partner with Porte (A mobile banking System).  

You need to call them before you go to the Store because they have a limit for personal checks, which is under $300. 

Note: They’ll give you money through Ingo Money Services.


14. Pilot Flying J gas station

Pilot Flying J gas station is another best financial service that is available across the United States and their stores are open 24/7. You can cash a check for around $999,99 for free, but it’s for those who buy a minimum of 25 gallons of fuel. 

And it’s free for $200, but if you want more, then you’ll have to pay for this. They’ll verify the check authenticity, and you should also be a NATSO member and Pilot Flying J gas station. 

Pilot Flying J gas station cash checks from billing companies. If your check doesn’t support their policies, Pilot Flying J gas station will refuse to cash the check.


Find 24-hour check cashing near me

If you are looking for a check-cashing store that is open 24/7, then I have provided the location. You can click the link below, and it’ll lead you to the check cashing store that is open 24 hours. And If you have a smartphone, then the nearest 24 hr Check cashing near me are banking apps.

Cash Check near me


15. Bank’s mobile app for check cashing 

Bank mobile is another best option to cash checks online. All banks have their app available on Apple or Google Play Store, and they have a daily limit for check cashing. Such as, if you’re using Wells Fargo, you can only cash a check for $5,000 every day, and there is a maximum 30-day limit.

Within 30 days, you can only cash check $14,000, and the daily limit, as I’ve said $5,000. 

Note: sometimes, you may not get funds available instantly, especially if you deposit your check after 9 pm, so that it may take one or more business days. I’m talking about Wells Fargo, but it’s almost the same with all bank apps. 

After that, you can transfer that money to the PayPal, Zelle, or Venmo app. And it will take only 1-3 Business days and also it’ll take a little amount of fee.


16. Money Mart near me

Money Mart Financial Services offers its services over 600 retail locations and robust online and mobile platforms and helps over two million people every year. You can download the Money Mart app for check cashing.

However, They don’t reveal the price. Some stores may do, although you can call them. A few stores will quote you the price after seeing the check; therefore, they’ll not reveal it on the phone call.

Although I’m not too fond of this system where you have to go to their Store to show them your check to cash it, at least they can tell the price as others do, for instance, Speedy Cash.


17. Speedy Cash near me

Speedy cash is another best place to cash your check; they take 2% to 5% which is okay, even PayPal takes it. However, their rates depend on location and Store, but they can cash a check whether you have a payroll check or a government check.

They’re charging a minimal price; therefore, they give you money instantly. If you’re living in Alabama and you have a $500 check, then you may charge around $10 – $15. Besides this, you can call them to get a best friend price.

They Accept various types of checks, and you can cash checks up to $20,000. The process is simple, but if you have a $15,000 check, then it might take a little more time than that check, which has only $15,00 funds available.


18. Cash your check at Walmart

We use Walmart for groceries and other usual items, but do you know that at Walmart stores, you can cash a check that has up to $5000 funds available?

Walmart stores are available everywhere in the United States, even outside of it, but here we are only discussing the United States, so let’s know how to cash a check at Walmart stores and how much you will have to pay.

You will have to pay $4 for Preprinted checks, which have $1000 funds available. There are different fees for different checks. Preprinted checks $1000, maximum $8 for $5000.

Walmart can cash checks, including tax refund checks, personal checks, Government checks, Payroll, insurance settlement checks, and much more, but it must be printed. And you may see the different prices in different locations and stores.

However, you may face some issues if you want to cash a personal check. Also, they may ask you for high fees, such as $5 to cash a $200 check. Therefore, you need to check the cashing policy at the Walmart store. They may show you differently in each Store.


19. PayPal to cash a check without ID

Who doesn’t know about PayPal? Not only in the United States, but it’s the most famous payment app on the planet.

Even though I use it for International transactions, most people have a PayPal account, even if they are not active. 

Interestingly, you can cash a check without an ID, as you usually need an SSN to cash a check at a store. Because PayPal is a partner with Ingo Money.

If you don’t have a PayPal account, here’s how to create a PayPal Account: 

  1. Select your account type.
  2. Create your login details.
  3. Provide details about yourself.
  4. Link your credit or debit card.
  5. Verify your email address.
  6. Verify your mobile phone number If you wish to

How to Cash a check without ID on PayPal: 

  1. Open the Finances tab
  2. Chose “cash a check”
  3. Agree to the privacy policy and terms & conditions.
  4. Provide information like SSN, Birth date, and phone.
  5. Upload Your government-issued ID (If they ask), and then they will review your ID, which may take around two business days.
  6. Now, Endorse the check, tell the amount, provide a front and back picture, and submit. 
  7. Now, it will be reviewed by their team, and if everything is okay, you will receive money.


20. Check N Go near me

Check `n Go offers various functional services such as instalment loans, cash advances, payday loans, Cash personal and payroll checks & much more. However, You need to provide some IDs like your SSN (Social Security Number) 

Note: They will not cash a third-party check. And their fee depends on the amount, state and local store. Although there are many Check N Go stores across the US, a few stores do not cash checks. So I recommend you to call them.


21. Kroger Money Services

Kroger money charges over $10, so you can use that too. So, If you want to cash a check, then Kroger family stores such as City Market, Food Co, Fred Meyers, etc, are excellent choices.

They cash various types of checks, such as Business checks, personal checks, Income tax refunds, government checks, and many more. However, you need to provide some ID’s, especially your SSN (Social Security Number) 

However, They’ll charge up to $10 if you want to cash a check that has $2000 or less funds available. But if it is more, they will increase the amount. Besides this, Kroger’s fee also depends on location type and check type.

Therefore you may see different prices, if available online, although they don’t show it online. The plus point is that they offer card cashing.


22. GO2bank

It’s been over two decades since Green Dot has been providing its services across the US. Green Dot built a mobile banking system to help people to access their debit cards, etc. Therefore Green Dot launched an app called GO2bank.

You can create an account there to get benefits, and they give you 4.50% if you hold $5000 in your account. It can save you from inflation, which is rising rapidly.

They also provide mobile check deposit and $200 overdraft protection (Only for those who do direct deposit). You can deposit cash at over 90,000 stores.

While their fees are low, you will still pay for some things, so be sure to look at their fee structure for complete details.

GO2bank’s check cashing policy:  You can submit most check types for funding approval to Ingo Money in the GO2bank app, from $5 up to $5,000. Fees may apply. This includes:

Plus point of using GO2BANK is that they have a very low fee. You can submit all types of checks: personal checks, Business checks, attorney checks, insurance checks, Rebate Checks, Money Orders, Refund checks, Payroll, third-party checks, and much more that have funds of $5 to $5000 or more.


23. 7-Eleven check cashing 

Keep in mind that all 7-Eleven stores are cashing checks; therefore, 50% of stores are doing it, so before you head to the store, make sure to call. However, You can still cash your check at 7-Eleven.

First of all, you need to create an account with is reloadable prepaid MasterCard. This means you can prepare your MasterCard from the 7-Eleven store and use your MasterCard wherever you want. 

You can load a check of $150 or more if you’re using the mobile load feature. However, it’s a good alternative to Western Union.

However, they will charge at least $5 when you’re cashing a check. If you wish to use the 7-Eleven store then make sure to bring your government-issued ID, and you also be asked to provide your pictures. And if you are a regular user, you will get points.


24. Use Current

If you are looking for a check casing option I would recommend you to use Current. It is one of the best and easiest banking apps, and most importantly, they don’t charge too much as they have a small fee.

Here are the benefits of using the current:

  1. Overdraft Protection for over $200
  2. No Membership Fee required
  3. Investing (Crypto)
  4. Low Fee
  5. Debit Card with rewards
  6. Teen Banking 
  7. Budgeting Tool
  8. Peer-to-Peer Payments


Check Cashing Near Me places that are not operating now.

I have discussed a lot of websites, apps and stores for cashing checks, and many other places used to cashing checks but this option is no longer available. So it would help if you remembered this before you go to the store otherwise you will only waste your time.


1. Western Union

Western Union is another financial service that used to cash checks but now it’s no longer available for customers. However, They are still partners with cash check stores. However, you cannot use it anymore.


2. Cashing checks at Meijer

I have read many articles and watched YouTube videos where they are claiming that Meijer is cashing checks, which is not true at all. I have even checked Meijer’s website, and nowhere they’ve mentioned Cash checks. 

It might be possible that earlier, they used to provide the service, but currently, they are not providing it anymore.


Check Cashing Near Me FAQs

I have some of the most important questions regarding check cashing near me.


Requirements to cash a check?

The most important thing when you are cashing checks is a government-issued ID. You need to carry at least a driving licence and state ID card. You might be asked to provide a social security number (SSN).

However, Documents also depend on your state and the type of checks that you’re cashing. 


What are the fees for cashing checks?

Fees depend on multiple factors, such as what type of check you’re cashing, what the location is, the store, and the company.

Every store, every mobile banking app and every bank has different prices for different checks. If you want to cash a check at a low price, then you should visit the bank because banking apps and stores decide the bank charges more money.


Is it possible to cash a large check without a bank account?

Yes! You can do that. It’s been happening for many decades when people are cashing large checks. And now it is easier.

Even though you do not have a bank account so that, you can download an application. There are many banking applications available on the Play Store. Usually, the app can cash a check for around $5000.

They’ll Charge a fee, or if you want to do it at a lower fee, you need to create a bank account.


Where can I find a check cashing service near me?

There are many best places to cash a check, and if you are looking for one of them, you can click the link below to find the cash check near me. 

Check Cashing Near me


What are the check cashing service charges?

As I already said, it depends on various factors such as your state, Store or the mobile application that you are using to cash a check.

If you are worrying about rates, then you need to cash a check at the ATM because they’re considered one of the best places to cash a check at a low price.

They’re also available across the United States, so it doesn’t matter in which state or city you are living in you can easily find an ATM near you.


Does Walmart cash a personal check?

You have to make a call and ask them because they say they are accepting a personal check that has $200 funds available. On the other hand, they also say that they are not accepting a personal checks. 


Where can I cash my check instantly?

You can download Ingo Money or Go2Bank if you want to cash a check instantly. And you can receive money from these applications to your PayPal or Venmo account. 


Does Piggly Wiggly cash checks

No, I have talked with many people and stores, and they all say that Piggly Wiggly does not cash checks; whether it’s personal, government, or any kind of payroll check, they’re not accepted by Piggly Wiggly.


Can I cash my check without an ID?

Yes, If you already have a bank account, then you can cash a check without an ID at an ATM card.


What if I don’t have a bank account? 

In this situation, mobile banking apps are the best choice for you, and if you are a citizen of the United States, then you can open a bank account as soon as possible.

Because a personal check or valid for around 6 months, and a government check or valid for around 1 year, and some cash also has an expiry on them. And do not forget to create an account on PayPal or Venmo.


Does 711 cash checks?

Yes, 711 cash checks, but the amount on the check should be $1500 or less. And all stores are not accepting checks to cash. Therefore, it is better to make a phone call.


What are the Walmart charges to cash a check?

It costs $4 to $8 to cash a check.


Which is the Best check cashing software?

Here is the list of best check-cashing software and apps:

  1. Brink’s Money Prepaid app
  2. Ingo Money app
  3. Netspend
  4. PayPal
  5. Western Union Netspend Prepaid
  6. Green Dot
  7. Venmo
  8. Lodefast
  9. Deposit2Go
  10. AnytimeCheck
  11. ACE Flare


Does dollar general cash checks?

Dollar General only accepts personal and business checks as the form of payment that you will do at their store, but it doesn’t cash a check.


Can you deposit a check on the Cash App?

There are many mobile banking apps, and some do have this feature, and some do not. So, whether you can deposit a cash check on the mobile app depends on whether it is providing this feature or not.


Does Safeway cash checks?

Yes, Subway offers cash checks for its customers, but only printed checks, so they should not be handwritten. 


Where can I cash a cashier’s check?

I have mentioned many applications, stores and mobile apps such as GO2BANK, Ingo Money, etc. 


Does target cash checks

Target accepts personal checks when you want to purchase from their store, but if you only want to cash a check, they will not do it.


What is the limit to cash a check?

If you have a personal check, it is considered good for the next 6 months from the date when it was given to you. On the other hand, government checks are considered good for up to 1 year. You can also find a period limit on many checks.


Does Food Lion cash checks

Yes, Food Lion accepts cash checks, but only government or state-issued checks for up to $1000, and travellers can check up to $499.99. However, Food Lion does not cash checks, including two parties, credit card, payroll, counter, etc.


Can I cash a check at an ATM?

Of course, you can cash a check at an ATM because they are designed for all kinds of banking work. However, you need to have a bank account if you want to cash a check at an ATM. And the interesting thing is that the prices at the ATM are not really higher.


Does Walgreens cash checks

No, Walgreens does not offer check cashing services anymore, as many people think even if you want to know more about that you can make a phone call.


What are 2 forms of ID to cash checks?

If you want to cash a check at a payday lender or a retailer such as Walmart, then you will need at least 2 government-issued IDs, be it a military ID card, Driving Licence, Green Card, or state or tribal ID. 


How can I cash a check online instantly?

There are many apps and software available on the Google Play Store and Apple Store that allow you to cash a check online instantly, such as PayPal, IngoMoney, Brink’s Money Prepaid Mobile App, and Netspend.


Are mobile banking apps safe?

Yes, mobile apps are 100% safe and genuine and are available on the Google Play Store or Apple Store, so you need to download from there.

However, some apps do not provide various options, and they do not have a good support system, or they have higher prices so that you can check. Besides this, you can also check app ratings on Google Play.

All banking apps are connected with FDIC. However, you need to be aware of scammers because they are everywhere in the world.

Even scammers ask you to click on the link, or they ask about your bank details, which you should not provide. Even if you are using a trusted app like PayPal, you may still be scammed if you are not aware of scammers. 


If I cash a check, does the IRS know

If you cash your paycheck, there is a very high chance that the IRS is not monitoring this. The IRS will monitor your bank balance or whatever you’re making from the internet if you do so; otherwise, no.

However, Everyone who’s making money legally must pay taxes to the government. And you should also keep reporting your income, and shouldn’t hide it, if you want to avoid problems in future.


Can a minor cash a check?

Undoubtedly, A minor who is younger than 18 can cash a check at the check cashing service. Also, if you are the parents or even children, then parents can also cash checks on behalf of their kids.


Do Western Union cash personal checks?

No, the Western Union does not cash personal checks.



You should not worry even if you do not have a bank account because you can still cash a check using mobile banking apps, and they are 100% secure.

However, remember to keep your SSN or (social security number) and government-issued ID card, such as a driver’s licence, when you are going to check cash because it might be needed.

And if you are worried about the price before you go to the store, you need to make sure to make a phone call.


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