Do Kroger Cash Checks? (Money Services Explained)

Do Kroger Cash Checks

Have you ever wondered if Kroger does cash checks? Well, look no more. We´ve got you covered.

Bernard Kroger founded Krogers all the way back in 1883 and today Krogers is the second-largest retailer in the USA behind Walmart. Krogers also offers their Money Services department which offers a variety of financial services such as cashing checks. 

So, do Kroger cash checks? Yes, Krogers will cash most kinds of checks including government checks, child support checks, tax refunds, insurance checks, and payroll checks. They offer secure facilities to cash your check besides cash starter, personal, and third-party checks. 

Krogers offer competitive check cashing fees and a secure environment that operates after hours and on weekends when you might need your cash most.

If you have a check and wish to try Krogers Money services at your nearby store, here’s the process explained. 

What Types of Checks Does Kroger Cash?

Payroll Checks

Kroger’s money services offer a convenient and secure place to cash your payroll checks. Krogers does not require enrollment to cash your paycheck at their local Money Services.

They offer extended opening hours and offer low fees for cashing your check. 

Government Benefits/ Government Checks

If you have received funds from the government in check form whether it’s benefits or any type of government checks, Kroger’s Money Services will cash it for you.

They provide safe and convenient facilities with no need to register, and they offer competitive cashing fees.

Their Money Services open in the evenings and on weekends for greater customer convenience.

Tax Refund Checks

If you are lucky enough t receive a tax refund from the government, Krogers will cash the check for you for a nominal fee.

The secure and convenient facilities are open in the evenings and on weekends and you may find them in over 2,000 stores in the US.

Insurance Settlement Checks

Krogers many Money Service departments located in the Kroger store offer to cash your insurance settlement checks should you require their services.

They offer enrollment-free, quick, and secure insurance settlement checks to cash at extended operating hours for your convenience.

Business Checks 

Krogers money Services will exchange your business checks for cash in their secure facilities located in over 2000 Kroger Stores across the US.

They do not require enrollment and offer competitive transaction fees.

Child Support Checks 

Kroger’s Money services have secure facilities to cash your child support checks. If you show your Kroger hopers card you will receive discounts on both groceries and transaction fees. 

Debit Card Cashing

If you need cashback from your payroll, benefits, or PIN debit card, Krogers provides secure and enrollment-free facilities at their Money Services facilities. 

Read also: Can You Take Money Off a Discover Credit Card (ATM Locator)

How Much Does Kroger Charge To Cash Checks?

Krogers offers competitive rates on cashing in a variety of check types at their Monet services departments. Their maximum cash limit for checks is $5,000 and their fees are less if you use Kroger’s Shopping Card for your transaction.

The fees are as following:

Without a Shoppers card:

$4.50 for transactions up to$2000

$7.50 for transactions over $2000.

With a Shoppers Card:

$4 for transactions up to $2000

$7 for transactions over $2000.

What Do I Need To Cash  Check at Krogers?

The process of cashing a check at Kroger’s is straightforward. You merely need to provide the check that you wish to cash and your social security or Taxpayer Identification Number.

Kroger’s accepts a variety of ID types including:

  • Your US-issued passport
  • Your State Drivers license 
  • State-issued ID
  • Resident Alien ID]
  • Military ID
  • Matricaula Consular ID
  • Tribal Nation or Reservation ID. 

Krogers Check Cashing Services FAQs

When Can I Cash my Check at a Krogers?

Krogers opening hours are normally:

  • 8 am to 9 pm 
  • Seven days a week
  • Most public holidays.

However as these times may vary between Kroger Money Services locations, you should check the opening and closing times of the particular store that you wish to visit,  

What Is The Maximum I Can Cash For My Check?

Krogers Money Services cashes checks up to the value of $5,000. Cash transaction fees below $2,000 carry a $4 fee with a Shoppers Card and $4.50 without a card.

Transactions over $2,000 cost $7 for Krogers Shpooer cardholders and $7.50 for shoppers without the card.

How Long does it Take Krogers To Cash a Check?

As a general rule of thumb, Krogers takes an average of two days to cash your check but certain factors may increase the waiting time.

Krogers uses Certegy for check verification who specializes in third-party risk assessment. If Certegy approves your check, Krogers will release the funds in two to three days.

 The time to clear may differ between:

  • Banks may clear your check within hours or larger amounts may take longer to clear
  • Credit unions sometimes offer same-day clearance but typically follow bank clearance schedules
  • Third-party services such as Money Services as Krogers also follow bank protocol so how long it takes to clear your check may depend on the amount, where it is from, and what it is for. 

Where can I Find My Nearest Krogers Money Services to Cash a Check?

Krogers offers a handy portal on their website to locate the nearest Kroger Money services to your location.

There are over 2000 Kroger stores in the US for you to choose from and you may find them on the Kroger Site

What Checks Will Krogers Not Cash?

Krogers accepts most check varieties but there are some checks that they will not redeem for cash in their Money Sevices. These checks include:

Third-Party Checks

Krogers do not cash checks made out to another person. This includes situations when a check is not payable to the holder directly and the person named on the check has endorsed or sign the check over to the holder.

This means that Krogers will not endorse checks made out to someone else or allow you to cash checks on someone else’s behalf.

The person who is named on the check must be the one to conduct the transaction and sign for the cash. 

Personal Checks

Krogers Money Services will not cash personal checks at their facilities. Personal checks, unlike bank checks, are not bank-guaranteed funds.

A personal check is drawn from an account that is not guaranteed until cleared by a banking institution when it is presented to them.

Cash Starter Checks

Krogers Money Services will not endorse cash starter checks. Cash starter checks appear similar to regular checks but are typically given out by banks when you open a new account to allow new account holders to write checks before their printed checks are issued. 

These checks don’t include personal information such as customers’ names and addresses and usually have a low cheque number in the upper right-hand corner indicating a new account.

Is Krogers Money Services Secure?

Krogers was recently implicated in a data security breach regarding 3.82 million pharmacy customers and Krogers employee data in a software vendor breach.

This breach affected certain pharmacy and money services records and landed Kroger paying a hefty five million dollars claims payout.

However, data breaches are not uncommon in the retail industry and Krogers has subsequently improved its online security to prevent the possibility of further breaches.  


Krogers has a great reputation and offers s secure and convenient way to access funds from your checks with a competitive transaction fee structure.

Their operating hours are also convenient for when you need cash after hours or on weekends. 


Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

Recent Posts

error: Content is protected !!