Where Can I Cash a Check on a Sunday?

By Robert Courtneidge 14 Min Read

Where can I cash a check on a Sunday? It’s a common dilemma many people face when they find themselves in need of quick access to their funds on the weekend. Fortunately, several places cater to this specific requirement, offering convenience and accessibility to those seeking to cash their checks outside of regular business hours. When it comes to finding the ideal place to cash your check on a Sunday, it’s you want to consider both your personal preferences and location. While the most straightforward option is undoubtedly a bank branch that operates on Sundays, there are also alternative avenues available for your convenience.

So, whether you’re looking for a traditional banking experience or a more unconventional approach, we’ve got you covered. Let’s dive right in and explore all the viable places you can turn to when you need to cash a check on a Sunday.

What is the best place to cash a check on sunday?

The best place to cash a check on a Sunday is undoubtedly your bank branch. Why is this? Cashing a check at your own bank branch holds several advantages. Firstly, it’s a familiar environment where you likely have an existing relationship. Secondly, in most cases, there are no fees associated with cashing a check at your bank branch, ensuring you can access your funds without any extra costs.

However, a major downside is that most major banks do not keep their branches open on Sundays, except for exclusive services reserved for private clients. This means that unless you have a private client account, cashing a check at these big bank branches on a Sunday won’t be possible.

Fortunately, there is still hope. Some smaller banks and credit unions may have select branches open on Sundays, providing a viable alternative. To find out if your bank offers this service, you can conveniently check their mobile banking app or visit their website for branch availability.

Now that we know this, let’s explore other possible ways to cash a check on a Sunday.

Where can I cash a check on a Sunday?

Where can I cash a check on a Sunday

  1. Cash checking stores

These dedicated establishments often operate on Sundays and some even provide 24/7 service. The advantage of cash checking places is that they usually do not place a hold on your check, allowing you to receive your funds quickly after verification. Additionally, there are typically no limitations on the amount you can cash.

Fees at cash checking stores can vary. Some establishments charge a percentage of the check, typically around 2-3%, while others have a fixed fee of $1 or more depending on the type of check.¹ It is advisable to inquire about the fees in advance to avoid any unnecessary expenses. The great thing about cash checking stores is their willingness to cash most types of checks. Since their primary interest lies in getting paid, they are generally more accommodating than other institutions.

The downside? Your money has no FDIC protection at a check cashing service offered at a bank. Your bank account at a traditional bank is insured for up to $250,000 per bank for each category of account ownership. So, if the bank fails, the government can cover your loss of up to $250,000 but a check cashing store can’t.

  1. Mobile Apps

The mobile check deposit feature available on many mobile bank apps allows you to deposit a check using your smartphone’s camera in just a few minutes from the comfort of your own couch.

Depositing a check via a mobile banking app is quite easy, simply open the app and navigate to the check deposit section. Follow the instructions, which typically involve taking photos of the front and back of the check and marking it as “VOID” after completion.

Depending on the bank, the funds may become available in your account within minutes or up to 10 days. However, it is advisable to check with your bank if you require urgent access to the funds.

Mobile check deposit is generally a free and speedy service. The only limitation is that you cannot withdraw cash directly from your smartphone. However, if you don’t need physical cash, a mobile check deposit is the most convenient option available, whether it’s a Sunday or any other day or night.

  1. Walmart Stores

Walmart offers check cashing services at most of its locations near the customer service desk or in the money services center. This service is available as long as the store is open, which means you can cash your checks at Walmart at your convenience.

So, whether you visit during regular business hours or in the middle of the night, you can always take advantage of their check-cashing and financial services.

You need to keep in mind the fees; $4 for checks up to $1,000 and $8 for checks greater than $1,000. Also required is your valid ID for identification. Walmart is the best place to cash a check on a Sunday where you don’t have to register to cash checks.²

  1. Kroger

Kroger operates over 2,000 check cashing stations across 31 states in the US. Not just Kroger alone, affiliated companies such as Dillons, City Market, King Soopers, Payless, QFC, and Fred Meyer are a part of this network. These outlets allow you to cash various types of checks, including payroll, business, government, insurance settlements, and income tax refunds at any time.  Customers with a shopper’s card can cash checks of up to $2,000 or $5,000 for a fee of $3 or $5.50, respectively.

To cash a check on a Sunday at Kroger, you need your social security or Taxpayer Identification Number and a valid government-issued ID for your identity verification.³

  1. Payomatic

If you’re in New York, things just got even better as you don’t have to go far to cash your check. Payomatic is an open 24/7 cashing shop with over 150 outlets littered around various locations in New York. Payomatic accepts a wide range of checks, including tax returns, government checks, paychecks, lawyer checks, and union checks, all for a modest fee of 2.20%, for example, $2.20 for a $100.00 check.⁴

So, if you’re a New Yorker, you got plenty of options to choose from.

  1. TravelCenters of America

With over 270 gas stations in 43 states, TravelCenters of America allows you to conveniently cash checks of up to $300 for free. However, there are specific conditions you must meet to be able to cash checks for free.

You must make a minimum purchase of 60 gallons of diesel fuel, spend at least $50 on non-fuel items, or invest a minimum of $250 on vehicle maintenance or repairs. So if you’re an avid gear head, your hobby will net you some free check cashing at any Travel Centers of America location near you. You’ll need a valid driver’s license for identification.⁵

  1. Speedy Cash

While Speedy Cash doesn’t offer 24-hour service at all locations, it’s still a great option for cashing a wide range of checks that may have been turned down elsewhere. So, it doesn’t matter whether you have cash orders, settlements, government, payroll, student loans, or insurance checks, Speedy Cash will accept them for cashing. The only thing is that its check cashing fees are not standard across the board, so just budget a minimum fee of at least $2 for cashing your check.

  1. Publix

Publix provides a reliable and accessible solution for those in need of check cashing services on Sundays. While they offer check cashing services, note that Publix does cash personal and payroll checks at all stores. You need your driver’s license, state-issued photo identification card, or military identification.⁶

Depending on the specific location and region, Publix charges a fee ranging from $3 to $6 to cash a check. Additionally, there is a limit of $75 for cashing personal checks.

  1. Pilot Flying J

If you’re traveling out of state by truck or RV, the 750 Pilot Flying J gas stations spread across 44 states nationwide can be extremely helpful for check cashing since they are available 24/7. It is simply the best place to cash a check on a Sunday at a gas station.

Additionally, if you purchase at least 25 gallons of gasoline, you can cash a check for less than $200 without any fees. You can also cash checks of up to $999.99 at any of their stations.

Meanwhile, you can always use just your Cash App to pay for gas.

  1. ATMs

These machines are available 24/7, including weekends and holidays, making them the best place to cash a check on Sunday. Some ATMs even provide the functionality to deposit checks. However, please note that this option requires a bank account, and it may take several days for the check to clear and for the funds to become available.

Therefore, if you need immediate access to cash, ATMs may not be the best choice. Nevertheless, they are a viable alternative for depositing checks when urgency is not a concern.

  • Citibank ATMs

Citibank allows you to cash different types of checks, such as payroll checks, government checks, personal checks, cashier’s checks, and checks from other parties, at any of their 2,400 ATMs.

However, there are certain caveats to note; Non-Citibank clients can cash a check at a Citibank ATM, as long as the check is written on a Citibank account. Furthermore, there is a $500 cap on non-Citibank accounts, and the maximum amount that can be deducted from a customer’s account is $5000.

Read also: fund PayPal with your Visa gift card now

Cashed check on Sunday
Just cashed on a Sunday…

What app will cash a check immediately?

There are some dedicated cash checking apps such as Brinks’s Money Prepaid, Netspend, Ingo Money App, and others, which allow you to cash almost any type of check to your bank account, prepaid card, or even PayPal account in just a matter of minutes or days

Where is the easiest way to cash a check?

The easiest way to cash a check is to use the mobile banking app on your smartphone. Most mobile banking apps have a mobile check deposit feature that allows you to deposit a check using your smartphone’s camera in just a few minutes from the comfort of your own couch.

Can I deposit my check at the ATM on Sunday?

Yes, you can. All you need is a bank account and a bit of patience because it may take several days for the check to clear and for the funds to become available.


There you have it, all the best checking cashing methods for a Sunday. Just make sure to pick the best place to cash a check on a Sunday most suitable for you. Remember that there are different fees, terms, and conditions associated with each option. So it’s best to do a little bit of research on any option you feel is the most convenient for you.

Read also: cashing a credit card with little to no fees


  1. What Is Check Cashing? InCharge
  2. Check Cashing. Walmart
  3. Check Cashing. Kroger
  4. Check Cashing. Payomatic
  5. Check Cashing Services. TravelCenters of America
  6. Customer Service. Publix
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Independant Industry Expert in Payments and the Digital Future of Money, Co-Editor of The PAYTECH Book, top Payments Lawyer and voted No. 1 in Payments Power 10 at #PayExpo What do I do? I solve the problem of moving payments firms into the new era of money. Traditional financial services businesses risk getting left behind as Generation Z leapfrogs the banks, opting instead for big techs, challengers, and social commerce propositions. Ignoring blockchain technology and the widening knowledge gap between the financial services and digital sectors puts businesses at risk of falling behind their competitors, compromising their competitive edge, and ultimately becoming redundant.
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