10 Places Where You Can Cash a Check on Sunday

Finding a place to cash a check on a Sunday can be a challenge, but it’s far from impossible. Numerous retail stores, dedicated check-cashing services, and even mobile apps offer this service seven days a week. This guide outlines the most accessible and reliable options available across the United States.

1. Major Retail Stores

Large retail chains are often the most convenient solution for Sunday check cashing due to their extensive operating hours and widespread locations.

Walmart

With thousands of locations nationwide, Walmart is a highly accessible option. Its Money Centers are typically open on Sundays and can process a wide array of check types.

Accepted Checks: Payroll, government, tax refund, cashier’s checks, insurance settlements, and two-party personal checks.
Fees: $4 for checks up to $1,000; $8 for checks above $1,000. The check-cashing limit is generally $5,000, but it increases to $7,500 during tax season (January-April).

Kroger and Affiliates

Kroger and its family of stores, which includes chains like King Soopers, feature in-store Money Services Centers. Many of these centers operate on Sundays.

Accepted Checks: Payroll, government, tax refund, business, and insurance settlement checks. Personal checks are not accepted.
Fees: Typically range from $3 to $7.50 per check, with potential discounts for store loyalty card members.

Publix

Shoppers in the Southeast can visit Publix. Most of its over 1,300 stores are open on Sundays and offer check-cashing services for payroll and personal checks.

2. Dedicated Check Cashing Services

For those who need services beyond standard retail hours, specialized check-cashing stores provide flexible, often 24/7 solutions.

PLS Check Cashing

PLS Check Cashing operates nearly 200 locations across 12 states, all open 24/7. This makes it an ideal choice for urgent Sunday needs.

Accepted Checks: Paychecks, personal checks, government, tax refund, stimulus, business, and out-of-state checks.
Fees: Vary by check type: 1.5% for government checks, 1.99% for payroll, and up to 2.2% for others. A $1 minimum fee applies.

Pay-O-Matic

Primarily serving the New York City area, Pay-O-Matic has many locations open 24 hours, including Sundays.

Accepted Checks: Payroll, government, tax refunds, insurance settlements, money orders, lawyer, and union checks. Personal checks are not cashed.
Fees: A flat rate of 2.20% of the check’s value.

Speedy Cash

Speedy Cash offers another reliable, dedicated service with over 160 locations.

Accepted Checks: A broad range, including payroll, government, personal, stimulus, tax refund, and unemployment checks.
Fees: A minimum fee of $2, with typical rates around 2% to 2.5% for payroll and government checks.

3. Mobile Check Cashing Apps

For ultimate convenience, mobile apps allow you to cash checks from anywhere, at any time, directly from your smartphone.

Ingo Money App

The Ingo Money app provides immense flexibility. You can deposit funds into your bank account, PayPal, a prepaid card, or even receive an Amazon gift card.

Accepted Checks: Payroll, personal, and business checks.
Fees: No fee if you can wait 10 days for funds to clear. For instant access, fees range from 1% to 5% or a flat $5 charge.

Transact by 7-Eleven

Through its Transact program, 7-Eleven offers a reloadable prepaid Mastercard. Using the accompanying mobile app, you can mobile-deposit any type of check onto the card 24/7.

Cost: No per-transaction fees. A flat monthly service fee of $5 applies.

4. Other Unique Options

Pilot Flying J Travel Centers

For travelers, Pilot Flying J offers a unique benefit. Their 750+ travel centers provide 24/7 check cashing.

Special Offer: Cash a check for free (up to $200) if you purchase at least 25 gallons of fuel at the same location within two hours. Otherwise, a variable fee applies.

What You’ll Need

Regardless of where you go, always remember to bring:

A valid, government-issued photo ID (driver’s license, state ID, or passport).
The check you want to cash, properly endorsed with your signature on the back.

Get Your Money When You Need It

You no longer have to wait until Monday to access your funds. From national retailers and specialized services to innovative mobile apps, plenty of secure options are available to cash a check on a Sunday. Explore the choice that best fits your location and needs to get your money without delay.

Ready to cash that check? Find the nearest Walmart or download a check-cashing app like Ingo Money to get started today.