Does Kroger Cash Personal Checks (2023 Facts)

Does Kroger cash personal checks? Kroger is the largest grocery store chain in the United States. It is also the third-largest retailer in the world, behind Walmart and Amazon. As of 2020, Kroger operated 2,761 supermarkets and multi-department stores under a variety of local banner names. Headquartered in Cincinnati, Ohio, Kroger employs nearly half a million people.

Kroger was founded in 1883 by Barney Kroger. The company started as a small grocery store in Cincinnati and has grown into one of the largest corporations in the world. Kroger has always been an innovator in the grocery business. In 1916, it was the first grocery store to offer self-service shopping. In 1955, it introduced its private label products. In 1983, it installed the first computerized checkout system in a grocery store.

Kroger is known for its low prices and wide selection of groceries and other products. It offers many private label brands, as well as national brands. Kroger also has its line of organic foods called Simple Truth.

does kroger cash personal checks

Does Kroger Cash Personal Checks?

Anyone who has ever gone to the grocery store knows that time is of the essence. The last thing you want to do is wait in line to cash a check when you could be doing something else, like actually buying groceries.

That's why it's so frustrating to learn that Kroger stores do not cash personal checks. However, they can cash other types of checks, such as payroll, business, income tax refund, insurance settlement, travelers, and government benefits checks.

There is a fee for this service - $4.50 for checks below $2,000 and $7.50 for checks ranging from $2,000.01 to $5,000 - but it's still better than having to go to a separate location just to cash a check. So the next time you're at the grocery store, be sure to bring along another form of payment just in case.

What kind of checks does Kroger cash?

Kroger is one of the most popular grocery stores in the United States, and it offers a variety of services to its customers, including check cashing. You can cash any type of check at Kroger, including payroll checks, government checks, income tax refund checks, insurance settlement checks, business checks, and child support checks.

In addition, you can also cash your debit card at any Kroger checkout lane. This makes Kroger a convenient option for those who need to cash a check but don't have a bank account.

What is the cost to cash checks at Kroger?

When you need to cash a check and don't have a bank account, your options are somewhat limited. You can go to a check-cashing store, but those can charge hefty fees. Or you can go to the grocery store. Many grocery stores, such as Kroger, will cash checks for customers.

Kroger does charge a fee for this service, but it's usually much lower than what you would pay at a check-cashing store. The fee varies depending on the amount of the check and whether or not you have a Kroger Shopper's card.

For example, for a check valued up to $2000, the fee is $4 with a Shopper's card and $4.50 without the card. Checks valued between $2,000.01 and $5,000 cost $7 to cash with a Shopper's card or $7.50 without one. Note that fees and limits vary by state, so you should contact your local Kroger Money Services before cashing a check at that store.

What is the maximum limit for Cash App at Kroger?

The maximum limit for cashing a check at Kroger stores is $5,000. You can visit a nearby bank to cash checks for amounts greater than $5,000, but most banks will not attend to you unless you have an account with them.

Alternatively, you can sign up for a check-cashing service like Ingo Money or Certegy, which will allow you to cash checks of any value. However, these services typically charge a fee of 1-2% of the check value. So, if you're cashing a $10,000 check, you can expect to pay a fee of $100-$200.

What do you need to cash a check at Kroger?

Cashing a check at Kroger is a simple process as long as you have the proper identification and documents with you. All you need is the check you want to cash, your social security or Taxpayer Identification Number, and a valid government-issued ID. Some examples of accepted IDs include an international passport, state-issued ID, driver’s license, resident alien ID, military ID, or Matricula Consular ID.

If you are signed up with Kroger and have the Shopper’s Card, be sure to bring that as well since it will lower the check-cashing fees by $0.50. With everything in hand, simply go to the customer service counter and they will take care of the rest.

How can you cash a check at Kroger?

Cashing a check at Kroger is quick and easy, as long as you have the right documentation. First, you'll need to visit a Kroger store with your government-issued ID and Social Security Number or Taxpayer ID Number.

Then, simply endorse the back of the check and present it to the cashier at the customer service counter. The cashier will then process the check and hand you the cash. It's that simple! Just remember to bring all of the required documentation with you to avoid any delays or issues.

Where is it possible to accept a personal check?

If you are not able to cash your check at your issuing bank or credit union, there are a few other options available to you. Some grocery stores offer check-cashing services for a small fee. You can also try looking for check-cashing stores in your area. However, these stores typically charge higher fees than banks or credit unions.

Another option is to ask a friend or family member to cash the check for you. There are also a few apps that allow you to cash personal checks electronically. These apps typically charge a flat fee or a percentage of the check amount. Ultimately, there are a few different ways to cash a personal check if you cannot do so at your bank or credit union.

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

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


In conclusion, 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.

author: patrick algrim
About the author

Patrick Algrim is a Certified Professional Resume Writer (CPRW), NCDA Certified Career Counselor (CCC), and general career expert. Patrick has completed the NACE Coaching Certification Program (CCP). And has been published as a career expert on Forbes, Glassdoor, American Express, Reader's Digest, LiveCareer, Zety, Yahoo,, SparkHire,,, FairyGodBoss,, St. Edwards University, NC State University,, Thrive Global,, Work It Daily, Workology, Career Guide, MyPerfectResume, College Career Life, The HR Digest, WorkWise, Career Cast, Elite Staffing, Women in HR, All About Careers, Upstart HR, The Street, Monster, The Ladders, Introvert Whisperer, and many more. Find him on LinkedIn.

Fact checked: Our small and dedicated team rigorously evaluates every article, guide, and reference to ensure the information is accurate and factual. Learn more.


Help us by spreading the word