Kroger Check Cashing Policy In 2024 [Updated]

According to the Kroger check cashing policy, you can cash checks up to $5,000 and they only accept payroll, government, tax refund, business, and insurance settlement checks. 

Kroger can be your go-to place for cashing checks. Because they offer instant cash, and the limit is high. However, before heading to Kroger for cashing checks, you must check out Kroger check cashing policy. Otherwise, your check might get declined.

So, in this post, I will provide an in-depth guideline on Kroger check cashing policy. Moreover, I’ll also talk about their fees, hours and everything related to it. 

Let’s start with Can checks be cashed at all Kroger locations.

Find Out Food Lion Check Cashing

Does Kroger Cash Checks?

kroger check cashing policy

Yes, Kroger cashes checks at all its locations across the United States.

Kroger is one of the largest grocery retailers in the United States, with over 2,700 stores operating in 36 states. They sell various groceries, including fresh produce, meat, seafood, dairy, baked goods, deli items, frozen foods, grocery staples, and lifestyle items. 

Although Kroger products are considered expensive. However, their grocery section is quite affordable compared to other chains. Apart from these products, Kroger also offers money services which include check cashing, money orders, paying bills, and sending or picking up money.

So, What is Kroger’s check cashing policy? 

Kroger Check Cashing Policy

Compared to other check cashing places, Kroger check cashing policy is quite straightforward. Here are the Kroger check cashing policies 

  • You must carry a valid ID card for cashing checks at Kroger. 
  • The check must be from a US bank. 
  • Your check must be valid. 
  • You must provide your social security or Taxpayer Identification Number for cashing checks. 
  • The check must be in your name. 

These are the must-follow requirements for cashing checks at Kroger. But Do I need my ID to cash a check at Kroger?

Types of Checks That Kroger Accept

Kroger does not accept all types of checks. Here is a list of checks that Kroger accepts 

  • Business Checks
  • Payroll Checks
  • Government Checks
  • Income Tax Refund Checks
  • Insurance Settlement Checks
  • Child Support Checks
  • Money orders. 

These are the type of checks all Kroger stores accept. Below here is a list of checks that Kroger does not accept 

  • Personal Check
  • Cashier’s Checks
  • Travelers Checks
  • Third-Party Checks
  • Two Party Checks
  • Starter Checks 

These are the checks no Kroger store will accept. But what type of IDs do Kroger require?

Accepted IDs For Cashing Checks At Kroger

Here is a list of IDs that Kroger accepts for cashing checks

  • US-issued Passport
  • Driver’s License
  • State-issued ID
  • Resident Alien ID
  • Matricula Consular ID
  • Military ID
  • Tribal Nation or Reservation ID

Apart from these IDs, you will also require SSN or ITIN for cashing checks at Kroger. So, What is the biggest check you can cash at Kroger?

Kroger Check Cashing Limit

The best thing about Kroger check cashing is that you can cash checks up to $5,000. It is the highest amount of checks you can cash at a grocery store. However, some Kroger stores might not always accept a $5,000 check.

Kroger Check Cashing Hours

Although some Kroger stores are open 24/7. However, that does not mean they cash checks 24/7. Usually, Kroger only cashes checks during their business hours. 

Generally, Kroger Business hours are 8 AM to 8 PM. So, you can cash your checks at any Kroger store during these hours. But Kroger’s operating hours might vary depending on your Location.

Kroger Check Cashing Fees

Kroger check cashing fees vary depending on your location. According to Kroger Check Cashing page here is a chart of fees for cashing any type of check at Kroger


However, these fee is applicable for  Kroger Shopper’s Card holders. The fees might slightly increase if you do not have a card. 

How to Cash Checks a Kroger

Kroger check cashing is a fairly simple process. Here is how to do it

  • Go to the Kroger Money services desk during their operating hour. 
  • Show them your check. 
  • Provide your ID along with your SSN or ITIN. Because Kroger payroll check cashing must require these. 
  • If you have a Kroger Shopper’s Card then show that too. You will get a discount on the fees. 
  • Lastly, after verifying your check, the money service staff will give you cash for your check.   

Keep in mind that, Kroger check cashing verification system includes Certegy. So, your check along with your personal details must pass the Certegy verification system. Otherwise, your checks won’t be cashed. 

By now we have found out all about Kroger check cashing policy. Now let’s look at some of the related queries. 


Here are some of the frequently asked queries related to this topic. 

Does Kroger Cash Personal Checks?

No, Kroger does not cash any type of personal checks at any of their locations. So, if you want to cash a personal check then go to the check cashing places. 

Why Won’t Kroger Cash My Check?

There can be many reasons behind Kroger not cashing your checks. Here are some of the reasons

  • You might have given them a type of check they do not cash.
  • Your check might have failed their verification. 
  • There can be an error in your SSN or ITIN number. 
  • Your ID might have been associated with a bounced check. 

Does Kroger Cash Checks On Sunday?

Yes, Kroger does cash checks on Sundays during their operating hours. Kroger’s business hours start at 8 AM and end at 8 PM. So, you can cash your checks in between this time on a Sunday. However, business hours might vary depending on your location.  

In Summary

Kroger can be one of the most convenient places to cash checks. Although they do not accept personal checks. However, they accept almost all other checks, the fees are quite low, the limit is high and you will get a discount with a Kroger card. Just don’t forget to carry your ID and provide an SSN/ITIN while cashing a check at kroger. 

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