Where Can You Go For Late-Night Check Cashing?

About 56% of Americans would be in trouble if they encountered a financial emergency that costs $1,000 or more. Even more frustrating is having a check in hand that you can’t cash when you need it because it’s nighttime. 

Or can you?

There are some places where you can cash a check after hours. So, if you’re in a financial bind late at night, it doesn’t have to be because the banks aren’t open. 

Here are some late-night check-cashing places that you’ll appreciate. 


You can get more than just Slurpees and Big Gulps from 7-Eleven. Most locations allow check cashing, making it particularly convenient for people without a bank account. 

The store chain has more than 70,000 locations right now, tens of thousands more locations than any bank in the United States. To cash your check at 7-Eleven, you’ll have to get a Transact card, which the store will issue. 

When you cash the check, the money will be posted to your Transact card. You can then use it to get cash from the store or through an ATM. They also allow direct deposit and mobile check deposits. 

Best of all, 7-Elevens are open 24 hours per day, seven days a week. 


Though Walmart stores are no longer open 24 hours, they’re among the best late-night shopping options. Most locations close at 11 p.m. You can go to the financial services department to cash your check. 

The store will cash your check for a small fee. All you need to do is present your ID, get cash in hand, and be well on your way. Woodforest National Bank also partners with Walmart, so you can check this out if the financial services department is closed or the line is long. 

You can cash a check after hours and buy whatever you need, all in the same place. 


Many ATMs all over the country give you the chance to cash your checks. Several financial institutions are doing away with old banking norms, such as only being able to use ATMs that you bank at or paying exorbitant fees. 

We’re seeing more surcharge fee ATMs and shared networks. You can use certain apps to find ATMs that will cash your checks for you. This way, you get 24-hour check cashing without a problem. 

Check Cashing Stores

Check-cashing stores are among the most tried and true avenues. Many are open much later than banks, and some are even open 24 hours. 

How can I find check cashing places near me? Most places today are linked to apps that let you find branches wherever you are. 

Kroger and Ralphs 

The Kroger brand is one of the most popular grocery stores in the United States and lets you cash checks late at night. 

Many Kroger locations are open as late as 2 a.m., making it one of the best places to do business. Their sister store, Ralphs, will also cash your checks and feature the same business model. 

Handle Your Late Night Check Cashing

Late-night check cashing is more prevalent than you probably think. These tips are helpful if you’re trying to exercise options and want to control your finances. 

For more tips on cashing checks, read more of our helpful content.