You can Cash a Check on Sunday at Walmart, Kroger, Publix, CVS, Dollar General, Family Dollar, and MoneyGram locations. Walmart charges Personal checks of $6 fee, Preprinted checks of $1000–$4 fee, and Pre-printed checks larger than $1000 a $8 fee.
If you desperately need to cash your check over the weekend, you can try your nearest ATM, go to your local grocery store, get on financial apps, or visit other designated cash-checking places!
While your bank may not charge anything to cash a check on weekdays, places that cash checks on weekends may demand additional fees or pose limitations on the checking amount.
Places to Cash a Check on Sunday
Here are some of the top places to cash a check on a Sunday:
1. Walmart (www.walmart.com)
- Locations: Nationwide supercenters (find your nearest store)
- Deposit Limit: Varies by store, often $1,000-2,000
- Fees: 4% of check amount for non-customers, 2% for Walmart MoneyCard holders
- Hours: 10 am-6 pm on Sundays
2. Kroger (www.kroger.com)
- Locations: Grocery stores in 35 states (store locator)
- Deposit Limit: $500-1,000
- Fees: 4% of check amount, $3 minimum
- Hours: Varies by location, many open 8am-8pm on Sundays
3. Publix (www.publix.com)
- Locations: Over 1,200 grocery stores in FL, GA, AL, TN, NC, SC, VA and DC
- Deposit Limit: $500-1,000
- Fees: 4% of check amount, $5 minimum
- Hours: 9am-7pm on Sundays
4. MoneyGram (www.moneygram.com)
- Locations: Nationwide partner locations like CVS, Family Dollar, 7-Eleven (location finder)
- Deposit Limit: $1,000
- Fees: $5-8 per transaction
- Hours: Vary by location, many 24/7 including Sundays
5. Western Union (www.westernunion.com)
- Locations: Global partner locations like Dollar General, Family Dollar (location finder)
- Deposit Limit: $1,000-$1,500
- Hours: Vary by location, many 24/7 including Sundays
- Fees: $5-10 per domestic transaction.
Fees may be higher for international money transfers.
How to Cash a check on Sunday?
If you are stuck in a financial emergency and need cash urgently on Sunday, your options may be limited as most banks don’t operate on Sundays.
Not only that, but many digital banking apps are useless on weekends after working hours!
So, what can do you if you need to cash your check on Sunday? I have scoured the internet and rounded up five ways to cash checks on weekends without any hassle.
1. Grocery Stores
Your first option if you need to cash a check on Sunday is to head straight to your nearest grocery store. Many stores offer cash checking services as a business and charge a small amount of fee for doing that.
Big grocery store chains like Kroger and Publix also offer cash-checking services. However, they charge a small fee that you must pay after providing a valid identification.
For instance, Kroger charges $4.5 for cashing checks of up to $2,000 and $7.5 for checks larger than $2000.
Please note that if you have a Shopper’s card, you can get a discount on Kroger’s cash checking services. However, you must be 16 to sign up for a Shopper’s card.
Moreover, places like Publix charge $3 to $5 for cashing personal checks and they also have a checking limit of $75.
Every store has different policies for age limits, service charges, and checking amounts. So, make sure to be upfront with your local store about their policies.
2. Walmart
Walmart also offers check cashing services on Sundays. If you have a Walmart outlet nearby, you are lucky because they are very quick in their services and cash personal checks of up to $200.
However, they typically don’t cash checks for individuals younger than 18 years old. If you are 18 or older, make sure to carry proper ID while going to Walmart for cashing a check.
Here are the types of checks that Walmart typically cashes:
- Payroll checks
- Government-issued checks
- Cashier’s checks
- MoneyGram money order
- Insurance settlement checks
- Personal checks
Like other retail stores, Walmart also charges a fee for cashing preprinted and personal checks. Since they offer a more reliable service, their check cashing charges might be slightly higher than your local grocery store.
The checking limit for personal checks at Walmart is $200 while you can cash preprinted checks of up to $5000.
Here is what Walmart charges for cashing personal and preprinted checks:
- Personal checks—$6 fee
- Preprinted checks of $1000–$4 fee
- Preprinted checks larger than $1000–$8 fee
3. ATMs
Most ATMs offer check depositing services–even on holidays and weekends. While using an ATM can be super convenient for drawing money from your bank account, check depositing through this method can take up several days.
So, how do ATM check deposits work?
First of all, you should know that not all ATMs allow you to make a check deposit. This service is reserved for only a few banks. So, before you go on to make a deposit at your nearest ATM, make sure it offers the relevant service.
If the ATM you are visiting offers check depositing services, you can enter your check into the machine, wait for the processing, deposit the check amount into your bank account, and draw your money.
While cashing a check through an ATM may sound convenient, here are a few downsides to this method:
- You will need a bank account
- The check may take several days to clear
- You won’t get your money instantly
4. Mobile Apps
If you want to cash checks on Sunday without paying any fee, do it through remote deposit capture. Many mobile banking apps offer this service and allow you to make a check deposit without leaving your couch.
So, how does it work? First of all, you need to check whether your bank’s mobile app features remote deposit capture.
If it does, you can simply take a clear picture of your check from front and back and send it to your financial institution for further processing. Many digital banking apps feature this option under the check depositing area. Make sure to follow all the written instructions before you transfer the scans!
Now here is the catch! Your bank can take up to 10 days to transfer the check amount into your bank account. If you are in a hurry and need your cash urgently, this may not be an ideal check-cashing method for you!
5. Check cashing stores
Various check-cashing stores are scattered all over the United States. Fortunately, they operate 24/7 and let you cash checks by paying a small fee.
One of the biggest benefits of going to a check-cashing store is they typically hand over your cash faster. You won’t have to wait days for your check to clear and receive your funds. Mostly, it is an instant transaction!
The charges for cashing a check through these stores may vary depending on your area and the type of cash. Some stores settle for 2-3% of your check amount while some offer fixed rates.
I would also like to add there is usually no checking limit with these stores, and they generally cash all types of checks including preprinted, personal, and government-issued checks.
Step-By-Step Tutorial to Cash a Check: Process
Here is a step-by-step guide to cashing a check:
Step 1: Choose a check cashing location
Select where you will cash your check, such as a bank, retail store, or payment service location open on Sundays. Consider deposit limits, fees and operating hours.
Step 2: Bring valid ID
You will need a government-issued photo ID like a driver’s license or passport to properly identify yourself at the check cashing location.
Step 3: Endorse the back of the check
Turn over the check and sign your name on the back exactly as it appears on the front. This is called endorsing the check.
Step 4: Provide check information
The cashier will ask for details like the check amount, date, and who it’s from. They may ask questions to verify the check’s authenticity.
Step 5: Pay the required fees
Most locations charge a percentage-based fee to cash checks for non-customers. Be prepared to pay the posted fee amount.
Step 6: Receive your cash
Once the check details are clear, the cashier will provide you with the check amount minus any fees in cash. Count it to verify before leaving.
What places are open on Sundays to cash a check?
Some of the top national chains that allow check cashing on Sundays include Walmart, Kroger, Publix, CVS, Dollar General, Family Dollar, and MoneyGram locations. Always check store hours as some locations may have limited Sunday hours.
Is there a limit on how much I can cash?
Most locations have check cashing limits ranging from $500-2000 depending on the store and your history with them. Money transfer services like MoneyGram typically allow cashing up to $1000-1500.
Do I need to be a customer to cash a check?
While not required, cashing checks without an existing account typically incurs higher fees. Look for stores that offer lower rates if you have a debit/credit card with them.
What ID is required to cash a check?
All locations will require a government-issued photo ID like a driver’s license, passport, or state ID card to verify your identity before cashing any checks.
How much will it cost to cash a check?
Fees vary but typically range from 2-6% of the check amount, with a minimum of $3-5. Check the store’s posted rates to know the exact fees for non-customers.
How long will it take to receive the cash?
In most cases, as long as the check meets the store’s requirements, the cash will be provided immediately after paying the applicable fees. However, very large checks may require verification.
Are there any checks that cannot be cashed?
Personal checks from little-known issuers or those that appear altered/washed may be declined. Third-party checks or post-dated/pre-dated checks also cannot be cashed at most retail locations.
