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 local Kroger fueling stations.

In addition to groceries and pharmacy services, Kroger also offers such as check cashing, bill payment, a book of stamps, card cashing, complete a money order, accept EBT, Western Union money transfers, and rewards debit cards with the highest cashback, up to $300.

And whether Kroger will accept a personal cheque from a customer. Our expert will explain the check-cashing policy at Kroger.

Will Kroger Cash a Personal Check?

No, Kroger won’t accept personal checks for cash. The grocery chain does, however, cash other forms of checks, including printed checks, wage checks, government benefits checks, and checks for insurance settlements.

The amount will determine how much it costs to cash a check at Kroger. Check cashing fees start at $4.50 and go up to $7.50 for checks over $5,000.

You should visit your local bank or other stores that immediately cash personal checks.  

How Much Does Kroger Charge to Cash a Check?  

will charge you $4 if you use a shoppers Plus Card to cash a check up to $2,000 in value. Without a Kroger Plus Card, you will be charged $4.50 to cash a check for up to $2,000 though.

If you have a Plus Card, the fee at Kroger to cash a check between $2,000 and $5,000 is $7; if you don’t, it’s $7.50. The easiest way to learn about the prices in your state is to get in touch with your neighborhood Kroger Money Services.

Check the to find a nearby grocery store.

What’s the Kroger Check Cashing Limit? 

At Kroger, you can cash checks up to $5,000. Any check you try to cash at Kroger must be for $5,000 or less. As a result, the food store won’t let you cash a cheque worth more than $5,000.

However, the check limit may vary by state. So double-check your state’s limit before heading over to your neighborhood supermarket open 24/7 to cash a check.

For sums greater than $5,000, visit your local bank. However, the majority of banks won’t cash it if you don’t have an account with them.

How Big of a Check Will Kroger Cash? 

A check can only be cashed by Kroger up to $5,000. However, each state may have a different cap. So, before attempting to cash a check at Kroger, check your state’s restrictions.

When you cash a check that is over $5,000, it is referred to as a large check, and the procedure can change depending on your circumstances. You’ll have to go to your bank to cash a big check close by.

What Checks Does Kroger Cash?

Kroger will accept a variety of cheques, including the following:

Government Checks

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

Tax return checks, welfare checks, social security checks, disability checks, stimulus benefits, and more are a few examples of government checks that Kroger will cash.

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 bank is 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 fueling stations accepting cheques.

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 direct deposits at your bank or credit union..

Printed Business Checks

A printed business check complies with Federal Reserve banking requirements and employs magnetic ink. In your neighborhood grocery store, Kroger will cash printed business checks but not handwritten personal checks.

What Checks Can You not Cash at Kroger?

Several types of checks fall under the exclusions from the Kroger check cashing policy, including:

• Personal Checks – Personal checks are any type of check that is not related to government benefits, payroll, or your business. It also includes check cashers, 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 a 24-hour check-cashing facility close by.
• Starter Checks Starter checks have a bank routing number and are designed to resemble regular checks. Your name and address are the only pieces of personal information that are missing. It also most likely has a printed low check number, a sign that the account is fresh. Starter checks cannot be cashed at Kroger.
• Cashiers checks are a specific kind of check that are written by a bank or credit union and paid with bank funds rather than with money from the customer’s account. The check can only be cashed by the payee, and it clears considerably more quickly than a personal check. Cashiers checks are not accepted at Kroger.
• Handwritten Checks To avoid fraud, the majority of food businesses don’t accept handwritten checks.
• Checks that are postdated Checks that are postdated are any checks with a future date on them. Postdated checks cannot be cashed at Kroger.

See our guide on locations that accept cheques without a photo ID.

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.

Customers at Kroger can save $0.50 when cashing a check while using their Plus Card.

How To Cash a Check at Kroger?

At Kroger, cashing a check is a simple procedure. First, go to the Kroger customer service counter or checkout line with your check and ID, then request that the cashier cash your check.

Before scanning your check, the cashier will ask to see some form of official identification to make sure your identity matches the name on the check. The cashier will then give you cash for the check’s amount less any processing fees.

What Time Does Kroger Stop Cashing Checks? 

Every day of the week from 8 am to 9 pm, Kroger is open for business. Typically, Kroger will cease cashing checks around 9 o’clock at night. The best course of action is to call your neighborhood grocery shop and find out when they offer a money service and cash checks from Kroger.

If you need to cash a check on a Sunday or are running late on a Saturday, Kroger is open.

See our guide on Nearby banks are open on Saturday.

Does Kroger Cash Checks on Sunday? 

Yes, Kroger accepts checks on Sundays at the checkout or at the customer service counter. It is, however, wise to call your neighborhood shop to confirm the hours for check cashing.

Kroger is a good alternative when you can’t find a Sunday hours of the bank for check cashing.

See our guide on Nearby liquor stores that accept checks.

What Are the Kroger Check Cashing Hours? 

Around 8 am, Kroger begins checking cash, and by 9 pm, it is finished. On holidays, some grocery stores, depending on region, operate shortened hours. 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 supermarkets that hire between the ages of 14 and 16.