What Types of Checks Does Kroger Cash?

Cashing checks is a convenient way to access money without going to the bank. Most grocery stores will offer this service, but each has its own policy and restrictions. Here, we’ll explore whether Kroger cashes checks as part of its Money Services and what you need to know if you’re considering using it.

Kroger Cash Check

Kroger’s Check Cashing Policy

Kroger offers cash checking as a service to its in-store customers. It also avails other money services such as card cashing, pay bills, money orders, and money transfers through Western Union and Ria. For an efficient check-cashing experience, visit the store during customer service hours.

The company uses Certegy to process all the check types it cashes. This well-known check processing company uses risk management tools to determine whether to approve a check for cashing. The system considers identity verification, bad check history, and whether the check is fraudulent.

In most cases, you’ll receive your money immediately. It takes only a few minutes to process the check as long as it meets all the requirements. However, some transactions may require further verification, taking up to 24 hours.

What Types of Checks Does Kroger Cash?

Below are the types of checks you can cash at Kroger. You can cash any of these checks at any of the more than 2000 stores across the United States and enjoy everyday low fee and other Shopper’s card benefits.

  • Government checks
  • Business and insurance settlement checks
  • Income tax refunds checks
  • Payroll checks
  • Child support check
  • Debit card cashing

Why Does Kroger Not Cash Personal Checks?

Kroger doesn’t cash personal checks because they’re considered a higher risk. Personal checks are more likely to bounce because they lack the backing of a financial institution. In some cases, personal checks can also be fraudulent.

While Kroger does have a check-cashing policy in place, it doesn’t cash personal checks to protect both the customer and the company.  Suppose, you need to cash a personal check but don’t have other options. In such a case, you can try cashing the check at the issuing bank.

Other places you can cash a personal check include;

  • A local bank or credit union
  • Gas stations and travel centers
  • Walmart
  • Check-cashing stores such as Speedy Cash
  • Check cashing apps such as Paypal and Ingo Money

You also have the option to endorse the check to a friend. The check becomes a third party, so the friend can cash it at their financial institution. Alternatively, it doesn’t hurt to ask your employer to cash the check on your behalf.

Kroger Check Cashing Limits

Kroger has a maximum check cashing limit of $5,000. The company imposes this limit to minimize its risks when cashing high-value checks. The store isn’t in any position to help you if you want to cash a check that’s more than $5,000. In such a case, it’s best to look for other alternatives such as check-cashing stores or the issuing bank.

How Much Does Kroger Charge To Cash Checks?

Like most stores that offer check cashing services, Kroger charges a fee. However, the company runs several promotions that can consequently lower the cost of cashing the check. Kroger’s m

If you bring forth your payroll, income tax refund, government check, or any other check accepted at Kroger, expect a $4 fee for checks amounting to $2,000 if you have a Kroger Shopper’s card and $4.50 if you don’t have one. Anything in the range of $2,000.01 to $5,000 attracts a $7.00 fee if you have a shoppers card and $7.50 if you don’t.

Prices may vary by store, so it’s best to check with your local Kroger before cashing a check. You can use the Kroger store locator or consult the customer service desk to inquire about the check cashing fee.

Everyday discounts and promotions are available at select Kroger stores. You can save up to $0.50 on the check-cashing fee if you have a shopper’s card. In a basic sense, if you were to pay $4.50 without a shoppers card, you’d only pay $4 with the card. These discounts also apply to card cashing, pay bills, and money orders.

Requirements for Cashing a Check at Kroger

Before Kroger accepts you can cash your check at Kroger, you need several documents. First, you have to present the check you intend to cash. It could be a payroll check, government check, insurance settlement, or child support check. Second, you need to present a valid Social Security Number or a Taxpayer identification Number. 

Apart from the above mentioned documents customers also need to show some form or identification. The following are types of identification documents accepted at Kroger.

  • A driver’s license
  • A state-issued identification card
  • A U.S military identification card
  • State issued ID
  • A matricula consular
  • Resident alien identification card
  • Tribal nation or reservation ID

When cashing a check, you should also have your Kroger shoppers card. If you present the shopper’s card, you can take advantage of the store’s check-cashing fee discounts.

How to Cash a Check At Kroger?

The following is a step-by-step guide to cashing a check at Kroger.

  1. Find a Kroger store near you– Use the Kroger store locator to find a convenient location.
  2. Inform the cashier that you’d like to cash a check– Let the cashier know that you’re cashing a check and not making a purchase.
  3. Present the required documents– Kroger will need to see the check you wish to cash and a valid form of identification.
  4. Endorse the check– Sign the back of the check.
  5. Cash the check– The cashier will process the transaction and give you the money.

Apart from cashing checks, Kroger offers other financial services such as Money Orders and Bill Payments. The company also provides Reloadable Prepaid Cards to help customers manage their finances better.

You can also receive and send money to friends and family in over 200 countries using Money Transfers powered by Western Union and Ria. Moreover, Money Services Express facilitates the payment of cable bills, phone bills, and other utility bills.

Can You Cash a Check Without An ID? 

You can’t cash a check at Kroger without an ID. Kroger requires customers to present a valid form of identification when cashing a check. The store needs to verify your identity to protect itself from fraudulent activities.

Kroger’s check cashing policy safeguards both the customer and the store by ensuring that the check is legitimate and that the customer is who they say they are. Other stores have similar policies in place.

Can You Cash a Check For Someone Else?

Kroger doesn’t accept third-party checks, so you can’t cash a check for someone else. The store only cashes checks that are made payable to the customer present at the transaction time.

It also doesn’t cash personal checks. The store only cashes government-issued checks, payroll checks, income tax refund checks, business checks, and insurance settlements.

Can You Cash a Check Without A Bank Account? 

You can cash a check without a bank account using a check-cashing service. Kroger Money Services offers this service to customers who don’t have a bank account or need immediate access to their money. Money Services by Kroger lets you cash your payroll check, income tax refund, government-issued check, insurance settlement check, and 401 (K) distribution check without a bank account.

The issuing bank will also let you cash the check, but some banks may request that you create an account with them. In addition, large checks exceeding $5,000 require you to visit the issuing bank or credit union. The fees for cashing a check without a bank account are higher than those charged by banks.

If the issuing bank isn’t an option, Kroger Money Services will let you load the check’s value onto a prepaid card. Once loaded it’s possible to withdraw the money from an ATM or withdraw at an ATM.

In addition, fees vary from one bank or credit union to another. You’ll also need a valid ID and two forms of ID in some cases. One of the IDs must be a photo ID.


Does Kroger cash stimulus checks?

Kroger cashes stimulus checks. The store will cash your check as long as it’s a valid government-issued check and you have the required documents. The customer must present a valid form of ID such as a driver’s license, state ID card, or passport. They should also present their social security number or Individual Taxpayer Identification Number (ITIN).

Does Kroger cash checks 24/7?

Kroger doesn’t cash checks 24/7. The store’s check-cashing hours vary by location, but most stores cash checks during business hours. However, the general hours you can cash a check at Kroger are from 8 am to 9 pm, Monday through Sunday.

Does Kroger cash third-party checks?

Kroger doesn’t cash third-party checks. The store only cashes checks that are made payable to the customer present at the transaction time. It also doesn’t cash personal checks. The store only cashes government-issued checks, payroll checks, income tax refund checks, business checks, and insurance settlements.

Does Kroger cash handwritten payroll checks?

Kroger cashes handwritten payroll checks. The store will cash your check as long as it’s a valid government-issued check and you have the required documents. The customer must present a valid form of ID such as a driver’s license, state ID card, or passport.

Does Kroger cash Western Union checks? 

Western Union partners with Money Services by Kroger to provide money transfer services. You can send or receive money at any Kroger location. It’s also possible to cash a check at Kroger using the Western Union service.

Why won’t Kroger cash your check?

Kroger won’t cash your check if it’s a third-party or personal check. In addition, the store won’t cash a check if you don’t have the required documents or if the check is fraudulent.


Kroger cashes checks, but under a few conditions. If you have a check and want to cash it, make sure that it is valid and carry some identification documents. You’ll pay a small fee to have your check processed successfully , but if everything’s fine the process should be seamless.

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