Does Kroger Cash Personal Checks? (All You Need To Know)

Cashing a personal check is a convenient way to get cash if you don’t have a bank account, there isn’t an ATM nearby, or you need to cash a check outside bank hours.

Since Kroger allows its customers to cash a variety of checks at its 2700+ stores nationwide, you may be wondering if Kroger will cash your personal check as well? Here is what I’ve discovered about this!

Does Kroger Cash Personal Checks In [currentyear]?

Unfortunately, Kroger does not cash personal checks as of [currentyear]. However, Kroger stores cash other kinds of checks such as payroll, business, income tax refund, insurance settlement, travelers, and government benefits checks. Kroger charges $4.50 for checks below $2,000 and $7.50 for checks ranging from $2,000.01 to $5,000.

If you want to know more about the maximum check amount that you can cash at Kroger, what other stores allow you to cash personal checks, and much more, keep on reading!

What Type Of Checks Does Kroger Cash?

Kroger will cash the following types of checks at any of its locations around the U.S.:

  • Payroll checks
  • Government checks
  • Income Tax Refund
  • Insurance Settlement
  • Business checks
  • Child Support Checks

Other than these, you can also cash your debit card at any Kroger checkout lane.

How Much Does Kroger Charge To Cash Checks?

For checks valued up to $2000, Money Services at Kroger will charge you $4 with a Shopper’s card and $4.5 without the card to cash the check.

Similarly, if your check is valued between $2,000.01 and $5,000, you will pay a fee of $7 with a Shopper’s card and $7.5 without it.

Note that the fees and limits vary across states, so you should contact your local Kroger Money Services beforehand using Kroger’s Store Locator and ask about the fees charged for cashing checks at that store.

What Is The Maximum Limit For Cashing A Check At Kroger?

You can only cash a check with a maximum value of $5,000 at Kroger stores.

As noted above, the limits may vary across states so confirm the limit in your state before you head over to cash your check.

Alternatively, you can visit a nearby bank to cash checks for amounts greater than $5,000, but keep in mind that most banks will not attend to you unless you have an account with them.

What Do You Need To Cash A Check At Kroger?

What Do I Need To Cash A Check At Kroger Stores?

To cash a check at Kroger, you need to bring the following items and documents with you:

  • The check you want to cash
  • Your social security or Taxpayer Identification Number

Along with these, you must also bring a valid government-issued ID such as:

  • International Passport
  • State-issued ID
  • Driver’s License
  • Resident Alien ID
  • Military ID
  • Matricula Consular ID

If you are signed up with Kroger and have the Shopper’s Card, you should bring that card along with you as well since it will lower the fees charged for cashing a check by $0.50.

How Can You Cash A Check At Kroger?

Here are the important steps you need to take to cash your check at Kroger:

  • Visit a nearby Kroger store with all the required documents (including a government-issued ID, and Social Security Number or Taxpayer ID Number)
  • Endorse the back of the check
  • Cash the check at the customer service counter desk

Where Else Can You Get A Personal Check Cashed?

If you must cash a personal check, your best bet is your personal or issuing bank. Besides the possibility of getting the service for free, you are also likely to get the cash immediately.

Another convenient option to cash your personal check is to visit a nearby credit union because these charge much lower fees as compared to banks.

Additionally, you can cash a personal check at any of the following stores in the U.S.:

  • Walmart
  • Food Lion
  • Giant Eagle
  • H-E-B
  • Market Basket
  • Publix
  • Schnucks
  • Wegmans

To learn more, be sure to see our related posts on using EBT at Kroger, whether or not Kroger accepts Apple Pay, and getting cash back at Kroger.


Kroger does not cash personal checks at any store, however, it does cash several other kinds of checks such as starter checks and third-party checks, as well as payroll, business, income tax refund, insurance settlement, travelers, and government benefits checks. You will be charged $4.50 for checks below $2,000 and $7.50 for checks ranging from $2,000.01 to $5,000.

Photo of author

Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

Leave a Comment