5 Places to Cash a Check on Sunday (When Banks Are Closed)

Written By Adrian Volenik

Sunday is a terrible day to do anything financial and bank related. Most banks and credit unions are closed on Sundays, and even their mobile apps won’t process transactions until it’s working hours. 

So, where can you cash a check on Sunday?

The best places to cash a check on Sunday are ATMs that accept checks, retail stores such as Walmart, Kroger, and Walgreens, mobile banking and check depositing apps, as well as dedicated check cashing places.

Believe it or not, there are many places where you can cash a check on Sunday or even at night. Here are our best picks. 

1. Bank Branch

bank branch illustration

Cashing a check at your bank branch would be ideal. However, all the major banks, such as Bank of America and Chase, generally don’t have bank branches open on Sundays. 

The few that are open on Sundays cater only to private clients and not the general public. That means you won’t be able to cash a check in one of the big bank branches unless you have an account open as a private client. 

However, some smaller banks and credit unions might have some branches open even on Sundays. The best way to check that is via their mobile banking app or by visiting their website. 

The reason why cashing a check in your bank’s branch is the best is because it is familiar, and it’s also free, at least in the vast majority of cases. 

READ ALSO: 15 Bank Account Scams in 2022 (How to Easily Avoid Them)

2. Retail Stores 

retail store

Retail stores are an excellent choice for cashing checks – and not only on weekends. For them, it’s just another service they offer that makes them money, and that is convenient for their customers.

And it’s true, the most convenient way of cashing a check is when you don’t need to go out of your way to do it. You’re doing your shopping and you deposit a check. Easy.

The only downside is that some of the retail stores can charge plenty of money to do this, so it’s good to know upfront what the fee will be. 

Here’s an overview of some popular retail stores and their fees for cashing personal checks:

  • Walmart: Max fee of $4 for checks up to $1,000 and up to $8 for checks greater than $1,000
  • Kroger: $3 for checks up to $2,000, and $5.50 for checks $2,000 – $5,000
  • Publix: $3 to $6 to cash a check, with a limit of $75 on personal checks

If you’re wondering what about 7-Eleven, you’ll be surprised that they don’t outright cash a check. Instead, the company partnered with a third-party company called Transact to offer to check cashing services at some of its stores. You have to load the check on your Transact card. 

All the above-mentioned fees and limits can vary by state. It’s best to ask your store for exact amounts in your area. Most retailers let you cash all sorts of checks, and not just personal ones. 

That being said, fewer and fewer retailers even accept checks as a form of payment, and even fewer let you cash checks. The reason is that they’re a hassle, and not so many people use them anymore. 

3. Cash Checking Stores 

retail stores checks cashed

Alternative to retail stores and banks are dedicated cash-checking stores. Many of them work on Sundays, and some of them even work 24/7. 

Unlike banks, cash checking places don’t put a hold on your check and let you take all of your cash once the check is quickly verified. There are also no limits as to how much you can cash. 

Some of them base their fees on a percentage of the check. Mostly 2-3%. Others have a fixed fee depending on the type of check. However, it’s best to check beforehand, so you don’t lose too much money on fees.

The good thing is that they will cash most types of checks as it’s in their interest to get paid, after all. 

4. ATMs 

checking a cash at atm

ATMs are super convenient and save us the time we’d need to go into a bank. They also work around the clock, as well as on weekends and holidays. 

One of the features some ATMs have is check deposits. Depositing a check at an ATM is easy, however, you will need a bank account.

It could also take several or more days for the check to clear and for you to see the money in your account. For that reason, they’re not so great if you need to cash the check at that moment. 

If you don’t need the money urgently, ATMs are a good alternative for depositing checks. 

There’s something that’s even more convenient, though – mobile banking apps.  

5. Mobile Apps

depositing a check using mobile app

Mobile banking apps make our lives much easier as they let us move our money around without leaving our couches. They are also very intuitive to use and have many great features.

One of them is also the mobile check deposit. This enables you to deposit a check via your smartphone and its camera in mere minutes. 

Simply open your mobile banking app and go to the check deposit area. Follow the instructions, which typically include taking a picture of the front and the back of the check and writing VOID on it after it’s finished. 

Depending on the bank, the funds could be available in your account in just a few minutes or in up to 10 days. If you need the money urgently, it’s better to check with the bank beforehand. 

Generally, this is a free and fast service that would be higher on the list if it weren’t for the fact that you can’t withdraw money from your smartphone. But if you don’t need cash, this is the best and most convenient option, whether it’s Sunday or any other day or night.  

RELATED: How to Deposit Checks on Chase App (Easy Guide)

More About Checking Cash on Sunday

Does CVS Cash Checks?

Not only does CVS not cash checks, they even stopped accepting them as a form of payment as of 2022.

The higher cost of handling them and the lower number of people using them was probably the writing on the wall for checks at CVS. 

What App Will Cash a Check Immediately?

Most mobile banking apps will deposit checks anywhere from a couple of minutes to several days.

There are also dedicated cash checking apps such as Ingo Money App that promise to cash almost any type of check in minutes to your bank account, PayPal, or even a prepaid card. 

Can You Cash a Check on Cash App?

Cash App is an excellent app for cashing checks. All you need to do is to open the deposit a check option and take a photo of the font and the back side of the check. However, they may put a hold on your check.  


There are many places you can cash a check, even on a Sunday. Bank branches that work on weekends, big chain retail stores, dedicated cash checking stores, ATMs, and even mobile banking apps are all viable options for cashing or depositing checks, 

About the Author

Chief Editor at TopMobileBanks

Adrian is a fintech expert who has tested hundreds of financial apps, cards, and accounts. His love for testing digital banks, payment apps, and financial products, in general, is unmatched.

How many digital banking accounts can one man have?

Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.

On the plus side, they have enabled him to create awesome How-To Guides that you can read on our site.

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