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, aren’t near an ATM, or need to cash a check outside of bank hours.

Because Kroger allows customers to cash a variety of checks at its 2,700+ stores across the country, you might be wondering if Kroger will cash your personal check as well? Here’s what I discovered about it!

Will Kroger Cash Personal Checks in 2022?

Unfortunately, as of 2022, Kroger stopped cashing personal checks. However, Kroger keeps cash from other types of checks, such as Kroger charges $4.50 for checks under $2,000 and $7.50 for checks between $2,000.01 and $5,000.

If you want to learn more about the maximum amount of checks you can cash at Kroger, which other stores you can cash personal checks at, and more, read on!

What kind of checks does Kroger cash?

Kroger cashes the following types of checks at all of its U.S. locations:

  • payslips
  • Government Controls
  • Income Tax Refund
  • insurance settlement
  • corporate audits
  • Child Support Review

Aside from these, you can also redeem your debit card at any Kroger lane.

How much does Kroger charge for cashing checks?

For checks up to $2000, Money Services at Kroger will charge you $4 with a shopping card and $4.5 without the card to clear the check.

If your check is between $2,000.01 and $5,000, you pay a fee of $7 with a Shopper’s Card and $7.5 without it.

Note that fees and limits vary from state to state. Before doing so, contact your local Kroger Money Services using Kroger’s Store Locator and inquire about the fees charged for cashing checks at that store.

What is the maximum limit for cashing a check at Kroger?

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

As mentioned above, limits can vary from state to state. Therefore, confirm the limit in your state before cashing your check.

Alternatively, you can visit a nearby bank to cash checks for amounts over $5,000, but remember that most banks won’t deal with you unless you have an account with them.

What do you need to cash a check at Kroger?

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

  • The check you want to cash
  • Your social security or tax identification number

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

  • International Passport
  • State-issued ID
  • driver’s license
  • Resident Alien ID
  • military ID
  • Consular Registration ID

If you are registered with Kroger and have the Shopper’s Card, be sure to bring that card as well, as it reduces check cashing fees by $0.50.

How do you cash a check at Kroger?

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

  • Visit a nearby Kroger store with all required documentation (including a government issued ID and a social security number or tax ID)
  • Confirm the back of the check
  • Cash the check at the customer service counter

Where else can you cash a personal check?

If you need to cash a personal check, it is best to contact your personal or issuing bank. Aside from being able to get the service for free, you’re also likely to get the money right away.

Another convenient way to cash your personal check is to visit a nearby credit union, as they charge much lower fees compared to banks.

In addition, you can cash a personal check at any of the following stores in the United States:

  • Walmart
  • eating lion
  • Huge eagle
  • HEB
  • market basket
  • Publix
  • Schnucks
  • Wegmans

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


Kroger does not cash personal checks at any store, but it does cash various other types of checks, such as . You will be charged $4.50 for checks under $2,000 and $7.50 for checks between $2,000.01 and $5,000.