Banks and credit unions provide the best places for cashing checks for two big reasons. First, account holders can cash checks at no cost at any bank or credit union. Non-customers can cash checks at some credit unions without any additional fees. Second, you can cash large checks and almost any type of check at a bank or credit union.
So why would anyone want to cash a check at a liquor store for a fee? Even more so when banks do it free of charge to customers. There are shortcomings.
Free check cashing at banks and credit unions will not work for everyone. First, banks close early and have limited hours. It is rare to find a bank that opens after 6 or 7 pm. You will need to work an 8-to-5 job to be able to bank early.
There’s also the issue of the unbanked population. The FDIC estimates that approximately 7 million households (or 5.4%) didn’t have a banking account in 2019. Unbanked people don’t have access to banking services at a traditional bank.
The modern consumer is also busy and needs the freedom and flexibility to run errands and access finances under one roof. After a long day of work, you don’t want to rush to beat the normal banking hours. It makes more sense to go directly to the nearby liquor store to cash a check and get your favorite drink at one place.
Is there a liquor store that can cash checks in my area? Finding one will help you save, and an otherwise mandatory trip to the bank! It’s even worse to drive to your local bank to find out it’s closed.
Short Answer: Luckily, many grocery stores have liquor check to cash near me. Walmart, Albertsons, Safeway, Fred Meyer, and Kroger are among the top places. That means you can shop for groceries, buy liquor, and cash a check at the same place. It’s such a convenient feature!
Liquor license laws restrict most liquor stores from offering money services like cashing checks.
This article will explain the restrictions on personal check-cashing in liquor stores, and also give you a list containing financial services.
Can Liquor Stores Cash Checks?
Different states and cities have different liquor license laws. Certain laws in each state prohibit liquor stores offering any money services. This includes check cashing.
Due to a wide variation in inter-state liquor sales licenses, it becomes difficult to deal with these unfavorable laws. Only a few multi-state liquor stores chains will offer banking services. It is extremely rare to find nationwide liquor stores.
It gets even more complicated when some states are ABC States. ABC states, which are “alcohol beverages control”, means that liquor sales in the state’s wholesale market are controlled by government agencies. 17 US states are ABC, and are represented by National Alcohol Beverage Control Association.
NABCA claims that 13 ABC states regulate liquor’s retail sale via government-run liquor retailers or designated agents. Eight states do not allow grocery stores to sell liquor.
Do you see? The inter-state regulations vary when it comes to liquor license laws. It makes it difficult to find any independent liquor stores that cash checks.
Where Are Liquor Stores Near Me That Cash Checks?
Still, you can find liquor stores in your area that offer cash checks. These liquor stores are not independent. These supermarkets often have liquor stores. These supermarkets are the best option if you’re looking to buy groceries and liquor while also cashing a check.
These stores, unlike banks, offer flexible hours. Many of them are open late at night and on weekends. You can cash a check in these stores up to 11pm. Winn-Dixie and Meijer are examples. King Soopers and Walmart are just a few of the many locations that King Soopers and Stop Shop operate 24 hours a day.
Based on the laws of each state and city, the days and times you can buy alcohol in these stores will vary. You can purchase alcohol in certain stores only on Sundays, but you can cash checks!
Here’s a list the 23 best liquor shops near me that accept cash payments.
1. Food Lion
Food Lion owns over 1000 grocery stores and also offers liquor in the southeast.
- Types Personal, computer generated payrolls, stimulus, traveler’s, and refund checks
- Limit Payrolls, government and stimulus checks upto $1,000; traveler’s upto $499.99 and personal/rebate up to $50
- Fee Check Cashing Fees – These fees can vary depending on where they are located
- Requirements All ID forms must be current. We cannot accept two-party checks.
- Other services Lotto and coin counting, money order
- Hours: Open late until 9 pm at most locations, including weekends
A Food Lion in my area will cash personal checks.
2. Albertsons
Albertsons is one of the largest drug and food retailers in the US in over 35 states. They sell beer, wine and liquor with regular weekly sale.
- Types Payroll, personal and government.
- Limit Personal checks up to $250; government, stimulus and payroll limits may vary depending on the store
- Fee Variable depending on the store
- Required: Valid Id
- Services Other: Western Union money ordering, Coinstar and copies, fax, fax, stamps
- Store Hours: If it’s not a 24-hour grocery, the regular store hours are from 7: 30 am to 8: 00 pm.
Locate an Albertsons in my area that has liquor check cashing.
3. Benny’s Package Store
Benny’s is an Atlanta-based liquor store. It sells quality wine and beer.
- Types Income tax refunds, payroll, insurance, government, lottery, settlement checks
- Hours Mon-Thu: 10 am – 7 pm; Fri – Sat: 10 – 9 pm
Learn more about Benny’s Package Store. It sells alcohol.
4. Cork Bottle Check Cashing Liquor Store
Cork Bottle Liquors offers a wide range of domestic and imported beers, as well as a selection of spirits and wine in Laurel Maryland.
- Types Insurance, court settlements and federal and state tax refunds. Retirement benefits, lottery, payroll and personal checks.
- Fee: Check cashing prices are $1 for $100 or less, 1.25% for $101-$799, $800-$2999 for 1.5%, and 2% for $3,000 or more.
- Requirements Proper Identification is Required
- Other services: Bill payment, sells prepaid cards, notary service, ATM, lotto
- Hours Monday – Saturday from 9 a.m. to 10 p.m.
Learn more about Cork Bottle Liquors here.
5. Fred Meyer
Fred Meyer is present in over 130 US locations that sell apparel, home decor items, groceries and consumer electronics.
- Types: Government and payroll checks
- Limit: $5,000
- Fee Checks up to $2,000 are $3. Checks between $2,001- $5,000 get $5.
- Prerequisites: Valid ID (driver’s license and state ID), resident alien, US passport, and matricula visa consular.
- Additional services: Petrol stations, flowers and stamps, as well as sells money orders
- Hours Open Monday-Saturday from 9pm to 6pm and Sunday from 10am to 6pm
Instead of using their gas station for cash checks, you can go into the grocery market.
Fred Meyer near me has liquor stores that cash payroll checks.
6. Giant Eagle
Giant Eagle operates more than 210 locations across Indiana, Pennsylvania and Ohio.
- Types Personal checks, government, stimulus, payroll and traveler’s checks
- limit: $30 limit to personal and traveler’s checks, when you are eligible for cashback on your purchases
- Fee: Prices vary from store to store
- Requirements To cash checks, you must have a Giant Eagle card. The Giant Eagle customer service desk gives you a card with a valid photo ID.
- Other services
- Hours: Normally 7 am with a late-night close at 10 pm.
Here’s a link to a Giant Eagle liquorstore.
7. Hannaford
Hannaford operates more than 180 locations across the northeast, including most Maine grocery stores.
- Types Payroll and government, stimulus and pension checks must all be preprinted, not handwritten.
- Limit One check up to $1,000, two checks up to $1200 total
- Fee It is usually a flat $1 fee. However, it can vary
- Requirements A check cannot be cashed at Hannaford immediately. For financial services, customers must apply in person. This can take up five days. Cashback is available immediately by submitting a personal payment. There is no waiting period.
- Other services Pharmacy, gift certificates, order groceries online. DVD rental. Coin counting machine. Postage stamps. Party balloons. Floral arrangements. Liquor.
- Hours of Operation: Most stores open from 10 to 10.
Here’s a link to a Hannaford liquor store.
8. Hy-Vee
Hy-Vee currently has more than 261 retail stores across the Midwest. This includes Iowa, Illinois, Kansas and Missouri. Each store is an independent business and each store has different check cashing policies.
- Types Only payroll checks preprinted (not handwritten).
- Limit $2,000-$5,000 in most stores
- Fee Flat $3 for checks upto $1,000, and $6 for any check greater than that
- Requirements In-state Identification is Required
- Additional services: Flowers, cheap meats, pharmacy and wine and spirits, Western Union Money Transfer and Money Orders, Western Union money order and Western Union money orders, postage stamps, dry cleaning and Rug Doctor rental
- Hours Some locations provide 24-hour check cashing during normal business hours
Find a Hy-Vee liquor store that cashes payroll checks 24-hours a day here.
9. King Soopers
King Soopers boasts 110 grocery and liquor stores located mainly in Colorado and one Wyoming.
- Types Payroll, government stimulus, child maintenance, insurance, tax refund and corporate checks
- Limit Variables based upon location
- Fee: $3-$5
- Requirements: Socialsecurity or Taxpayer Identification number (TIN) and approved ID. This includes passports, state-issued drivers licenses, resident alien IDs, matricula visa IDs, military IDs, or tribal country IDs. Without an ID, they will not cash checks.
- Additional services: Bill payment, send money and Coinstar kiosk.
- Hours 7am to 9pm – This is dependent on the location
Fina a King Soopers liquor store department that cashes checks here.
10. Kroger
Kroger is one of the largest grocery stores with over 2,700 locations across the US.
- Types Government, tax refund, payroll, insurance, government, and stimulus
- Limit Varies
- Fee: $5 to $5
- Requirements: Know your SSN or TIN and bring ID such as driver’s license, state-issued ID, passport, military, resident alien, tribal nation, or matricula consular ID.
- Services: ATM and money order.
- Opening Hours: Most stores open between 7 AM and 9 PM.
Find a Kroger store near you with a liquor division here.
11. Market Basket
Market Basket supermarket has around 80 locations in New England.
- Types Payroll
- Limit Maximum $50
- Charge: 1.25% (varies depending on where you are)
- Requirements There are two forms of ID
- Additional services: Bill payment, Western Union money orders and fund transfers
- Hours 7 a.m. to 8 p.m.
You can find a Market Basket near a liquor store here.
12. Meijer
Meijer operates over 240 stores throughout six Midwest states. They sell clothing, home electronics as well as beauty products.
- Types Payroll, personal and government checks, as well as traveler’s check.
- Limit Minimum $1,000 for payroll and maximum $1,999.99 Government checks
- Fee:
- Requirements Meijer customers have to be approved using Certegy verification, and a valid photo identification. For approval to cash a check or pay a payroll, it can take up 7 business days.
- Services: Gift cards, Shipt and other services, Gas stations, Shipt, Shipt, Pharmacy, Western Unions Money Orders, 48-hour rental of BISSELL carpetcleaner, stamps, and party shop that cash checks
- Hours Stores are open 7 days a semaine, with the store opening at 6 AM. Many locations are open from 6 am to midnight. Many Meijer gas station are open 24 hours.
Here’s a link to a Meijer that has a late-night liquor shop.
13. Mel’s liquids
Mel’s Liquors and Check Cashing has various beer, spirits, and wine, along with lottery and financial services.
- Types Insurance, court, state and federal tax refunds, 401k distributions and retirement benefits, such as accident settlements, payroll, personal checks, and lottery tickets, are all available.
- Fees $100 flat fee or less; up to 22% for anything more; higher rates available for business, commercial, tax refunds, insurance settlements
- Required Proper Identification is required. Management may decide to waive this requirement.
- Other services Bill payment and lotto, ATM, and money orders
- Hours Monday to Saturday, 7 am to 10 p.m.; Sundays, 9 am to 9 p.m.
Click here for details on Mel’s Liquor.
14. Safeway
Safeway owns more than 260 grocery shops in Northern California, Hawaii. They collectively own more than 1300 stores, and are the parent company of 21 supermarket chains.
- Types Governmental, stimulus and payroll checks should be preprinted.
- Limit: Up to $1,499
- Charge: $2.25 per $200
- Requirements Current ID Forms: Driver’s License, State ID or Passport
- Other services Rug Doctor rental money order, ATM service, dry ice
- Hours: Open until might at most locations with some closing between 9 pm or 10 pm.
Find a Safeway close to you that stocks liquors and can cash payroll checks.
15. Publix
Publix supermarkets have over 1,250 locations across the Southeast US, most of them on the Florida coast.
- Types Payments and Personal Checks
- Limit: Up to $500 per day for payroll checks and up to $75 per day for personal checks
- Fee $3-$6 will differ by location
- Requirements You must have a valid driver’s licence, photo ID issued by the state, or military ID.
- Other services Order money, Western Union money Transfer, Retail gift Cards, Make photocopies and Sell stamps
- Hours of Operation: Most stores close between 9-10pm.
Locate a Publix near you that sells liquor.
Please see our guide, “Can You Cash A Check at Publix?” Money Order Policy Guide.
16. Shaw’s
Shaw’s supermarket has over 130 locations in Maine, Massachusetts, Rhode Island, New Hampshire, and Vermont.
- Types Government and Payroll checks
- Limit: $1,500
- Requirements A valid driver’s license or state-issued ID, passport or Native American Tribal PhotoID are required
- Other services: Wedding flowers, pharmacy, money order, liquor department ATM
- Hours The Store is open 7 days a weeks, from 9 – 10 p.m. in most locations
Find a Shaw’s nearby supermarket that offers liquor.
17. Southwest Check Cashing Liquor Store
Southwest Check Cashing and Liquor Store carry a large variety of wine, beer and premium spirits in Baltimore, Maryland.
- Types: Payroll, personal, tax refund, insurance, accident settlements, 401k distributions, court settlement checks
- Limit The claim to be the “largest single-store cashier in Maryland”
- Requirements Proper ID required. Subject to verification and manager discretion
- Other Services: Photo ID Cards, Prepaid Visa Cards, Notary Public, Money orders, Lottery and Direct Deposit
- Hours Monday through Saturday is usually open from 9 am to 8pm.
Click here to learn more about Southwest Check Cashing and Liquor Store policies.
18. Steve’s Discount Liquors
Steve’s Discount Liquors Wilmington, Delaware, offers check-cashing, utility payment service, and sales of lottery tickets. They view themselves as an alternative to cashing a check at a bank.
- Types Payments, tax refunds, insurance, government, and benefits, as well as rebate checks
- Additional services: Tax return, restaurant, and liquor stores
- Hours Monday through Thursday 9-10pm, Friday and Saturday 9-11pm, Sunday 12-6pm.
Steve’s Discount Liquors provides information about their policies regarding instant cash for checks and how to get it.
19. Stop by the Shop
Stop Shop operates over 400 supermarkets in New York Metro, New England and beyond.
- Types Payroll, government and stimulus checks
- Limit Up To $500
- Fee: Flat fee of $0.50
- Requirements Customers must apply to a check cashing account and be approved prior to cashing a check
- Other services: Sell stamps, gift cards, pharmacy, ATM, floral, pet goods, and save money on diapers
- Hours Some locations have 24 hour check cashing, others open late at night and close at midnight
Find a nearby Stop Shop with liquor stores that are still open.
20. Vons
Vons has more than 320 grocery store locations in Southern California or Southern Nevada.
- Types: Payroll and government checks
- Limit: $1,000, but subject to each store’s available cash
- Fee: $2.25 per $100 check
- Requirements You must preprint your checks and not have them handwritten. Cashing third-party checks, state issued ID, or driver’s license is not allowed.
- Also offers other services: You can order Western Union or MoneyGram money for a very low price. You will get keys with a kiosk and stamps.
- Hours Most locations open late until 11pm or midnight
Here’s a list of Vons liquor stores that are open late.
21. Walmart
Walmart has over 5,000 retail stores nationwide with a vast amount of financial services at each location.
- Types Payroll, government stimulus, tax and insurance, cashier’s checks, and retirement checks
- Limit $2,000-$5,000 depending on type of check and store
- Fee: $3 on checks over $1,000, and $6 for checks above $1,000
- Identification Required
- Other financial services: Walmart cashes MoneyGram money orders that are purchased from a Walmart. Walmart offers $20 cashback for customers who use personal checks to purchase items.
- Other store services: Wheel alignment, stamps, buy kerosene, Coinstar, cheap haircuts, make keys, cheap trendy clothes, and party store that cash checks
- Hours The majority locations were open 24-hours per day up until COVID. These hours will most likely be resumed in the future
See our guide about Walmart check cashing policy and money services with a MoneyCard or Walmart carpet rental guide.
Find a Walmart that has a liquor department close to me.
22. Winco
WinCo Foods is present in over 100 locations across 10 states in the West and Southwest US.
- Types Payment checks
- Limit: $1,000
- Charge: $5 to get checks upto $500 or $10 up to $1,000
- Requirements Please use preprinted checks
- Other services Western Union money transfers to up $1,000, ATM instant cash withdrawals. Coinstar
- Hours Most locales are open 24-hours
Locate a Winco that has a liquor shop that remains open 24 hours.
23. Winn-Dixie
Winn-Dixie owns approximately 500 grocery shops in Alabama, Florida Florida Georgia Louisiana Louisiana Mississippi.
- Types: Payroll Checks only at Accepted Locations
- Limit $1.000; cash up to 2 checks in 7 days
- Fee $5 Flat Fee for Checks Below $500, and $10 for Checks Between $500-$1,000
- Requirements Handwritten checks are not accepted.
- Other services: Discount event tickets, lotto, retail gift cards, floral arrangements, Western Union money transfers
- Hours Late hours, which range from 10pm to midnight
Find a Winn-Dixie which is open late and that sells alcohol.
Baker’s
Baker’s is the perfect place to buy your favorite alcohol and to get your check cashed at the same time. Baker’s has a high transaction limit, which is one advantage to cashing your checks.
Additionally, there are more than 2000 outlets in the country. Financial services are also available every day from 8 am to 8pm.
Baker’s can cash checks of up $5000, unlike most other stores. The transaction fee for checks of up to $2000 and $5000 is $3.50 and $5.50, respectively.
If you have a shopper’s card, you can also get $0.5 cashback on every check you cash.
Here’s a list of the types of checks they cash:
- Government check
- Payroll checks
- Refund of tax
- Insurance checks
- Business checks
Before you cash your check at Baker’s, make sure you have a valid Social Security Number or Tax ID Number.
BI-LO
BI-LO does offer cash checking services but they do have some limitations.
These are the things you should keep in mind when cashing your check from Bank of America
- The maximum check amount allowed is $500
- The chosen BI-LO location and the branch of the bank must be in the exact same state
- You cannot cash handwritten checks
Personal, traveler’s, and insurance checks cannot be redeemed at BI-LO.
That said, BI-LO is perfect for your emergency cash-checking needs. There are locations all across the south-eastern United States.
Dillion
Dillion offers an impressive selection of beer, wine, and other beverages. Add to that its cash checking services, and you have a great location for both your grocery and finance needs.
Dillion’s network of over 2000 stores ensures flawless service. It doesn’t require enrollment or registration. Just bring your check and social security number along with a government ID and you can cash your check at any one of their stores.
Shopper’s Cardholders are required to pay $3 to cash a check worth up to 2000. The fee for checks above $5000 is $5.50.
Here is a list of acceptable checks in Dillion
- Payroll check
- Government Check
- Refunds of income tax
- Cashing debit cards
- Child support check
- Insurance settlement
- Business checks
They also accept various government IDs such as driver’s licenses, military IDs, and US passports. All are eligible to use their check cashing services.
Food City
Food City might be unable to assist you with your money orders. However, their cash checking services can help. You can cash checks of up to $1000 for a flat fee $3 per check. This service is not available for payroll, government and rebate checks.
Wait! There’s more: Food City has a list approved financial institutions and banks, and they only cash checks issued from these approved institutions. For confirmation, call your closest Food City outlet.
Food City locations are open daily from 6 a.m. to 12 a.m. However, store timings might vary depending on a particular outlet’s location.
The Best Liquor Shops With Cash Checks Near You Summary
You can cash checks of any type at banks and credit unions without paying any fees. This is only true if you have an account and are able to visit during regular bank hours.
Groceries can offer more conveniences and flexible hours than banks. Finding a liquor store that can cash checks in your area is a good option if there are no banks nearby.
It is more difficult to find independent liquor stores that cash check, but it is possible to find grocery chains that have liquor stores within that offer financial services.
Find a nearby place that offers alcohol, groceries, cashes checks, and other services.
Guide for Using a Debit card Without a PIN
Going to the bank and ATMs every day can be time-consuming and costly. Banks, credit cards unions, as well as other financial institutions, issue debit card to facilitate cash payments. Debit cards are preferred over credit cards with chip-and-signature.
Does Walgreens Accept EBT, WIC, or SNAP Food Stamps
Walgreens accepts EBT in-store and online. It’s a common question among EBT cardholders who live in areas with no traditional farmer’s markets, grocery stores, or supermarkets nearby. SNAP recipients often have this question, as Walgreens is practically everywhere.
Where can I cash a third-party check? 17 Places Nearby
Are you searching for a bank or credit union that can cash third-party checks near you? Cashing a third-party cheque at any bank, credit union, or check-cashing store across the United States is possible. These are the top banks, credit unions.
Can Aldi Sell Flowers Cost, Restocking, Delivery and Seasonal
Aldi, a German supermarket chain with more than 2,000 grocery shops across the US, is Aldi. It is best known for its limited hours and store size, shopping cart-rental system and private-label brand, as well as its low prices and no-frills grocery store with limited stock.