Kroger Check Cashing Policy Guide

Daniel Bagley  | 

Like many grocery stores across America, Kroger stores do cash checks. Kroger check cashing is convenient if you don’t have a bank account, or you need to cash a check after bank hours. It’s also convenient for cashing checks when you’re needing to do some quick shopping and your bank is out of the way.

Before you head out to cash your check, there are some things you need to know about the Kroger check cashing policy.

What Type of Checks Will Kroger Cash?

If cashing a check is a high priority, you’ll definitely want to read this first. Here are the types of checks you can cash with Kroger money services:

  • Payroll checks: Paychecks from your employer;
  • Government benefits checks: E.g. Social security benefits, Temporary Assistance for Needy Families, Low Income Energy Assistance;
  • Income tax refund checks: Refund checks from the IRS;
  • Insurance settlement checks: Check from an insurance company in response to a claim;
  • Business checks: Any check issued by a business, including rebates, refunds, business-to-business payments, research study payments, as well as payments for blood and plasma.

This means you can cash the following types of checks:

  • Cashier’s checks: Issued directly by a bank for an amount that you specify based on how much you have in your account or how much cash you have on hand;
  • Traveler’s checks: An alternative to cash, meant specifically for traveling, issued directly by a bank for an amount that you specify based on how much you have in your account or how much cash you have on hand;
  • Money orders: Purchased at the Post Office, a bank, or other financial institution;

Kroger doesn’t cash the following:

  • Personal checks: Checks other people address to you;
  • Starter checks: Temporary checks from a bank in lieu of the arrival of personalized checks;
  • Third-party checks: A check addressed to somebody else that they sign over to you;

Make sure Kroger will accept your check before you rush off to the store to try and cash it.

How Much Does Kroger Charge to Cash a Check?

To cash a check, Kroger charges:

  • $3.50 for checks $2,000 and under;
  • $6 for checks valued between $2,000.01 – $5,000.

There might be local or state taxes that change this fee. Be sure to call your local store to find out.

How Big of a Check Will Kroger Cash?

Kroger will cash checks valued up to, but not more than, $5,000.

Kroger Money Services Hours

Kroger money service hours are typically 8 AM – 9 PM, 7 days per week. Search for a store near you to find out whether the hours are different.

Kroger Stores

Wondering whether a store near you qualifies for Kroger check cashing? Here is a list of Kroger stores that do:


  • Kroger;
  • Ralphs;
  • Dillons;
  • Smith’s;
  • King Soopers;
  • Fry’s;
  • QFC;
  • City Market;
  • Owen’s;
  • Jay C;
  • Pay Less;
  • Baker’s;
  • Gerbes;
  • Harris Teeter;
  • Pick ‘n Save;
  • Copps;
  • Metro Market;
  • Mariano’s.

Department Store (Grocery and Home Goods)

  • Fred Meyer.

Warehouse Store (Discount Grocery)

  • Food 4 Less;
  • Foods Co.

How to Cash a Check at Kroger

Here’s how to cash a check at a participating Kroger store:

  1. Search for a store near you;
  2. Locate a relevant form of ID, e.g. driver’s license, passport, state-issued ID;
  3. Make sure you can provide your Social Security Number or Taxpayer ID number;
  4. Head to the store and bring the check with you;
  5. Endorse the back of the check so you can cash it;
  6. Cash the check at the customer service counter.

You’re all set! Now you can enjoy convenient check cashing on the go without having to make an extra trip to the bank.

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