Does Kroger Cash Personal Checks? The Ultimate Guide

When it comes to groceries, everyone has their go-to store. For some, that store is Kroger. is one of the largest supermarket chains in the United States.

It operates grocery stores across 38 states, so chances are there’s one near you. The company has a wide variety of products and services offered, including groceries, alcohol, clothing, pharmacy services, home goods, and Nearby Kroger fueling stations.

In addition to groceries and pharmacy services, Kroger also offers such as check cashing, bill payment, a collection of stamps in a book, card cashing, a check or a money order, accept EBT, Western Union money transfers, and provides the highest cash back on debit cards (up to $300).

Consumers also inquire about Kroger’s ability to cash a personal cheque. The Kroger check cashing policy will be explained in detail by our guide.

Will Kroger Cash a Personal Check?

Personal checks are not accepted at Kroger. Several sorts of checks, such as payroll, government benefits, insurance settlement checks, and printed checks, are accepted by the grocery store.

The cost of cashing a check at Kroger is determined by the amount. The cost of cashing a check ranges from $4.50 to $7.50 for a $5,000 check.

You should visit your local bank or other merchants who will pay a personal check right away.  

How Much Does Kroger Charge to Cash a Check?  

Cashing a check for up to $2,000 using a Visa Plus Card will cost you $4. If you don’t have a Kroger Plus Card, however, cashing a check for up to $2,000 will cost you $4.50.

If you have a Plus Card, the price for cashing a check between $2,000 and $5,000 is $7, and if you don’t, it’s $7.50. Because the fees vary by state, it’s best to check with your local Kroger Money Services to find out what they are in your area.

Check the to find a nearby grocery store.

What’s the Kroger Check Cashing Limit? 

Kroger has a $5,000 check cashing limit. It means every check you try to cash at Kroger must be for less than $5,000. As a result, you won’t be able to cash a $5,000 check at the supermarket.

However, the check limit may vary by state. So double-check your state’s limit before heading over to your 24-hour grocery shop in the neighborhood to cash a check.

For amounts greater than $5,000, go to your local bank. But, most banks will demand you to have an account with them in order to cash it; otherwise, they will not.

How Big of a Check Will Kroger Cash? 

A check can be cashed for a maximum of $5,000 at Kroger. The restriction, however, may differ per state. So, before you go to Kroger to cash a check, make sure you know what your state’s limits are.

When you cash a check worth more than $5,000, it’s known as a large check, and the process varies depending on your circumstances. To cash a large check, you’ll need to go to your local bank.

What Checks Does Kroger Cash?

Kroger accepts a number of different types of checks, including:

Government Checks

Any check you receive from the US federal, state, or local government is referred to as a government check.

Tax refund checks, welfare checks, social security checks, disability payments, stimulus checks, and other government checks will be cashed by Kroger.

Payroll Checks

A payroll check is written as employee compensation for a set amount of hours or salary from a business. It’s usually paid from a business checking account. Kroger is a good place to cash a payroll check if you don’t have a Banks are open late..

Alternatively, you can cash a payroll check at your local credit union, issuing bank, Transact by 7-Eleven, check cashing app, Publix, or Check-cashing gas stations.

Insurance Settlement Checks

Kroger will cash your insurance settlement check immediately if you’ve been involved in a successful insurance claim. So it’s a good place if you need the money right away and don’t want to wait for the It’s time for your direct deposit to arrive at your bank or credit union..

Printed Business Checks

Magnetic ink is used in a printed company check, and it complies with Federal Reserve banking rules. At your local Kroger, printed business checks will be accepted, but handwritten personal checks will not be accepted.

What Checks Can You not Cash at Kroger?

The Kroger check cashing policy will not cash the following types of checks:

  • Personal Checks – Personal checks are any type of check that is not related to government benefits, payroll, or your business. It also includes Checks from cashiers, money orders, third-party checks, and more.
  • Checks over $5000 – Kroger will not cash any check that is over $5000. You’ll need to take it to a place that cashes large checks like a bank, credit union, issuer bank, or a Check-cashing store open 24 hours a day, 7 days a week.
  • Starter checks include a bank routing number and are similar to normal checks. Your personal information, such as your name and address, is not included. It’s also likely to have a low check number printed on it, indicating that it’s a new account. Starter checks will not be accepted at Kroger.
  • Cashiers checks are checks issued by a bank or credit union that are paid from the bank’s funds rather than the customer’s account. The check can only be cashed by the payee, and it clears significantly faster than a personal check. Cashiers checks are not accepted at Kroger.
  • Handwritten Checks: To combat fraud, most grocery stores will not take handwritten checks.
  • Postdated checks are any form of check that is dated for a future date. Post-dated checks are not accepted at Kroger.

See our guide on Without an ID, there are places to cash checks.

What Do You Need To Cash a Check at Kroger?

You’ll need to bring proof of identification and documents with you to cash a check at Kroger. For example, you must provide your Social Security Number (SSN) or (TRN) and a valid government-issued photo ID.

Valid forms of ID include passports for international travel, state-issued identification cards, driver’s permits, military ID, , and resident alien ID cards.

Those who bring their Plus Card to Kroger can save $0.50 when cashing a check.

How To Cash a Check at Kroger?

The procedure of cashing a check at Kroger is simple. To begin, take your check and identification to a Kroger customer service desk or checkout lane and request that the cashier cash your check.

The cashier will ask to see some kind of official identification before scanning your check to ensure that your identity matches the name on the check. The cashier will then give you cash for the check’s value less any processing fees.

What Time Does Kroger Stop Cashing Checks? 

Seven days a week, from 8 a.m. to 9 p.m., Kroger is open for business. Kroger will usually cease cashing checks at 9 p.m. It’s recommended to phone your local Kroger check cashing hours and inquire about their money service.

If you’re running late on a Saturday or need to cash a check on a Sunday, Kroger is there for you.

See our guide on Near me, banks are open on Saturday.

Does Kroger Cash Checks on Sunday? 

Yes, Kroger accepts checks at the customer service desk or at the checkout on Sundays. It’s usually a good idea to call ahead to confirm check cashing hours at your local shop.

Kroger is a good alternative when you can’t find a To cash a check, a bank must be open on Sunday..

See our guide on Near me, there are liquor stores that accept checks.

What Are the Kroger Check Cashing Hours? 

Kroger begins checking cash at 8 a.m. and ends at 9 p.m. On the other hand, some food stores have reduced holiday hours, which vary by region. Each day of the week, you can cash your check at the Kroger money services counter.

Kroger Cash Personal Checks Summary

Kroger does not accept any personal checks at its Money Service or the checkout. They also won’t accept third-party checks, over $5,000, handwritten or starter checks. However, Kroger can cash your government checks, payroll checks, insurance checks, and printed checks.

You’ll get denied if you don’t bring the check, valid ID, and know your Social Security Number or Taxpayer Identification Number to cash a check at your local Kroger Money Services desk.

Kroger money services desk and store offer things like carpet cleaner rentals, Coinstar kiosk, and sells dry ice, bags of ice, wonton wrappers, and cheesecloths.

See our guide on Grocery stores that hire people between the ages of 14 and 16.

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