Best Check Cashing Places Near Me – 24-Hour Options

Needing access to cash when banks are closed can be quite frustrating. Have you ever found yourself in a situation where you needed to cash a check outside of regular banking hours? It’s a common predicament, especially for those working late shifts or unsociable hours. In such cases, finding the right check cashing place becomes essential to access your funds when you need them. We understand how inconvenient it can be when your regular banking hours don’t align with your work schedule. That’s why we’ve compiled a list of eighteen different places where you can cash your checks at times that suit you best.

24-Hour Check Cashing Stores

Speedy Cash

Speedy Cash is a versatile check cashing place that also offers payday loans. They accept various types of checks, including payroll, student loans, and personal checks. While their check cashing service is convenient, be cautious about their loans, as they come with high interest rates. Speedy Cash has numerous locations across the US, many of which are open 24 hours, and they typically charge a minimum fee of $2 for check cashing.

PLS Transportation Services & Check Cashing

PLS Transportation Services & Check Cashing is a popular choice for 24-hour check cashing services. They have locations in twelve different states, making it accessible for many individuals. They cash paychecks, personal checks, and government checks, with fees varying by location but generally around $1 plus 1% of the check amount.

Community Financial Service Center

Community Financial Service Center is known for being open 24 hours at most of its locations. They offer check cashing services for various check types, including payroll, government, social security, benefit, and income tax refund checks. It’s advisable to check with your local branch for specific check cashing limits.

ATMs at Banks for 24-Hour Check Cashing

While 24-hour stores and grocery stores are limited, ATMs usually provide 24-hour access for check depositing. However, you typically need to be an account holder with the bank where you’re depositing your check. Here are some banks with 24-hour ATM access:

M&T Bank

M&T Bank operates in eight different states and offers nearly 800 check-cashing ATMs primarily for its customers. They allow the cashing of government checks, payroll checks, and more without requiring an appointment with a teller.


Citibank ATMs accept government checks, payroll checks, personal checks, and cashier’s checks. To use their ATMs for check cashing, you need to be an account holder. Citibank has over 700 branch locations in the US and numerous branches worldwide.

Bank of America

With over 4,000 branches and 15,000 ATMs globally, Bank of America is a widely accessible option. They accept checks for deposit via ATMs, but the checks must have magnetic ink. Checks printed from home may require an in-branch deposit.

U.S. Bank

U.S. Bank offers 24-hour ATM access and allows customers to cash government, payroll, personal, and some other checks. There is a limit of 30 checks per ATM transaction.

Chase Bank

Chase Bank has over 16,000 ATMs worldwide and 5,000 branches. They accept government, payroll, personal, and cashier’s checks at their ATMs. Check if your specific account allows other types of checks for deposit.

Capital One 360

Account holders of Capital One 360 can cash payroll, government, personal checks, and more at their ATMs. Capital One 360 accounts offer various benefits, including check-cashing privileges.

Wells Fargo

Wells Fargo has over 13,000 ATMs worldwide and 8,000 branch locations. They offer check cashing for payroll, government, personal, and cashier’s checks at their ATMs. The withdrawal limit depends on account terms and ATM settings.

Valley National Bank

Valley National Bank serves several states and allows account holders to cash payroll, government, and personal checks at their ATMs. Check depositing and withdrawal limits may vary by branch.

SunTrust Bank

SunTrust Bank, mainly operating in the Southeastern US, provides 24-hour ATM access for its customers to cash payroll and government checks. Always review your account terms before using an ATM for check cashing.

TD Bank

TD Bank allows account holders to deposit up to 30 checks at once using their ATMs. They have over 1,300 locations across multiple states, including Washington D.C.

Citizens Bank

Citizens Bank, with over 1,200 branch locations and 3,000 ATMs in eleven states, enables account holders to deposit checks, including payroll, government, and cashier’s checks, without an envelope.

Fifth Third Bank

Fifth Third Bank, serving the Southeastern US and the Midwest, lets account holders cash payroll, government, personal, and other checks at their ATMs. Be sure to check your account settings for specific depositing rules.

Grocery Stores for 24-Hour Check Cashing

These grocery stores may also offer check cashing services, primarily catering to government and payroll checks. Fees at these locations are typically quite reasonable, often around just a dollar per check. However, be aware that there may be limits on the amount they can cash. For additional information and specific details about check cashing at these grocery stores, visit our dedicated pages:

Feel free to explore these options and find the one that best suits your needs and location for hassle-free check cashing services.

While finding a reliable check cashing place that suits your schedule can be challenging, these options provide you with convenient access to your funds when you need them most. Whether it’s a 24-hour store, bank ATM, or grocery store, you can choose the best option that aligns with your needs and location.

Note: Please make sure to check with the specific locations and banks for their latest policies, fees, and availability before attempting to cash your checks.