Does Kroger Cash Checks? – Learn More

Kroger was founded in 1983 by Bernard Kroger in Cincinnati, Ohio. Kroger has over 2700 retail stores under its banner and various divisions in 35 States and the District of Columbia. Its subsidiaries include hypermarkets, supermarkets, superstores, department stores, jewelry stores, and convenience stores. Kroger allows its customers to cash different types of checks at over 2 stores all across the nation. Cashing a check is a convenient way of getting cash if you don’t have a bank account or if there is no ATM close by and it is outside of banking hours. Kroger however does not cash personal checks as of 2022. 

Does Kroger Cash Checks? - Learn More

The Types Of Checks Kroger Cashes

Below are the types of checks that can be cashed at any location across the country:

  • Child support checks
  • Insurance settlement checks
  • Government checks
  • Business checks
  • Income tax refund checks
  • Payroll checks 

Kroger Fee For Cashing Checks

For checks up to $2000, Kroger will charge a $4 fee for people with a shoppers card and $4.50 for those without a card to cash the check-in.

For checks between $2000 and $5000, a fee of $7.00 will be charged to people with a shoppers card and a fee of $7.50 for those without.

You can only cash a check at Kroger with a maximum limit of $5000. The charges and the limit vary from state to state so it is best to find out before you go and cash your check.

How To Cash A Check At Kroger 

  1. You must locate a Kroger store that is close to you. 
  2. You then will have to tell the cashier that you would like to have a check cashed.
  3. You must give the cashier the required documents. Kroger will then analyze the check and the identification provided. Proof of identification includes:
  • International passport
  • Drivers license
  • Military identification
  • State-issued Identification Number
  • Resident alien identification
  • Matricula consular Identification
  1. To endorse it, you will need to sign the back of the check
  2. After the check has been processed, the cashier will give you your cash

How To Avoid A Bounced Check

First, you must find out from the writer of the check if they have enough money in their account for the check to get cashed.

If you’re depositing the check, it is best to wait a few days before spending the money to make sure the check has been cleared.

If it is a tax refund or government it will clear faster as these are usually safer.

Why Are Personal Checks Not Cashed By Kroger?

Personal checks are not cashed by Kroger because they have a high-risk factor. Personal checks can be fraudulent and they are more likely to bounce because they are not backed by a financial institution. Its policy was put in place to protect both the company and the customer.

Places You Can Cash A Personal Check

  • A local bank
  • Credit unions
  • Gas stations
  • Walmart
  • Check-cashing stores
  • Check to cash apps

How To Protect Yourself From Check Fraud

Scan you send a higher amount than expected to a person and ask them for the difference back. Checks take a few days to clear so the scammer hopes you will send actual money back before the check bounces. The best way to avoid this is by only accepting checks from people you know and you should catch them it’s a recognizable bank check cashing service. Another way is to only endorse a check once you are at the check cashing service as scammers may rob you before you get there and can cash your check without an ID.

Other Kroger Money Services

Pay Bills

Kroger offers a bill-paying option to its customers. For some bills same day payment is available And they offer discounts on fees to its shopper’s card owners. The bills that can be paid through Kroger are:

  • Electricity bill
  • Gas bill 
  • cable bill
  • cell phone bill

Card Cash

A debit card can be used to get money from a Kroger money service. You can get cash up to $5000 and at the checkout lanes, you can get up to $300 cashback away for only a $3 fee.

Money Orders

A money order can be bought through Kroger’s money service. The maximum amount is $1000 but you are allowed to buy more money orders if you need more. they charge $0.69 per money order when you have a shoppers card.

Send And Pick Up Money

Kroger offers customers the service of sending money to people across the country and all around the world. They have a partnership with Western Union which makes this possible. You can also get money sent to you from any Western Union.


Kroger offers a check cashing service that has a good reputation across the nation. They charge very low fees when cashing a check and they offered different services as well to make it more convenient for its customers.

Frequently Asked Questions

1 Can a check be cashed without an ID through Kroger?

No, you cannot cash a check without an ID as you need to give Kroger a valid form of identification for cashing or check.

2 Can you cash a check at Kroger for someone else?

No, a check can not be cashed for someone else.

Does Kroger Cash Checks? – Learn More

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