What check cashing costs, using official pages only
Few check cashers publish a price. Walmart does, as maximums. King Soopers and ACE Cash Express say their fees vary by state and tell you to ask at the store. This page puts the published prices first and quotes the rest word for word.
Check-cashing fees compared
Published fees first, lower first. A published maximum is the most the chain says it charges, not a promise of a store's till price. "Not published, call ahead" means the official page gives no dollar figure; we do not fill it with someone else's typical range.
| Where and what | Published fee | Limits | Checks accepted (as listed) | ID (as listed) |
|---|---|---|---|---|
| USPS: cashing a USPS money order | Free at a Post Office [5]. | Domestic postal money orders can't be more than $1,000 [5]. | USPS money orders only. This is not general check cashing. | Primary photo ID; sign at the counter [5]. |
| Walmart: pre-printed checks up to $1,000 | $4 maximum [1]. | "In most states" $5,000, raised to $7,500 between January and April [1]. | Payroll, government, tax refund, cashier's, insurance settlement, and 401(k) checks; Western Union and MoneyGram money orders [1]. | Present the endorsed check with valid identification. ID types are not listed [1]. |
| Walmart: pre-printed checks above $1,000 | $8 maximum [1]. | |||
| Walmart: two-party personal checks | $6 maximum [1]. | Limited to $200 [1]. | Two-party personal checks, at some locations [1]. | |
| King Soopers (Money Services desk) | Not published, call ahead. "Fees and limits vary by state so check your local Money Services Desk" [2]. | Checks up to $5,000 [2][3]. | Payroll; government; income tax refund (if payable to two people, both must be present); single-party insurance settlement; business checks payable to a person. Not checks payable to a business [2]. | Social Security or Taxpayer Identification Number, plus one of: US passport, state ID, driver's license, Resident Alien ID, military ID, Matricula Consular ID, or Tribal Nation or Reservation ID [2]. |
| ACE Cash Express | Not published, call ahead. "Each of our locations has a menu board ... Because these rates vary by state and may change, it's best to visit a store near you to ask about fees" [4]. | No dollar cap published [4]. | Payroll, personal, business (extra documents required), income tax refund, government, and insurance settlement checks; money orders [4]. | A valid government-issued photo ID; a digital copy of ID may not be accepted [4]. |
Walmart also publishes card cashing (turning card funds into cash) at $3.74 per transaction, up to $1,000 per transaction and 3 cards per day [1]. ACE also offers payday or title loans, so Check Desk does not list ACE stores in city lists. See ACE Cash Express: check-cashing policy only.
Where to cash a check in Denver
We have checked 4 Denver locations whose official store page lists check cashing. See check cashing in Denver. Many other King Soopers store pages in Denver list a Money Services desk without listing check cashing; we list only what each store page shows, so call those stores before you go.
Hours
Chain policy pages describe hours only in general terms, and those are not a specific store's hours:
- King Soopers says many stores are open seven days a week and that it is "generally open from 8am-8pm, but operating hours may vary depending on your location" [2].
- ACE says its "service hours are longer than a typical, traditional bank," without clock hours [4].
Denver store pages publish store hours, but neither Walmart nor King Soopers publishes separate money-desk hours. Our Denver pages show the published store hours and say to call ahead.
What to bring
- The check. Walmart says to present it endorsed [1]; ACE says to endorse it properly [4].
- Photo ID. King Soopers also asks for a Social Security or Taxpayer Identification Number [2].
- For a tax refund check payable to two people at King Soopers, both people [2].
- You do not need a bank account at King Soopers, which says so directly [2].
What we do not guess
- We do not publish a "typical" check-cashing percentage. When the official page has no number, we say so.
- We have not opened official rule text on whether a bank must cash a check drawn on it for someone who is not its customer, so this page does not say either way. Ask the bank.
- Cashing a check through a phone app is a different product. A separate guide is planned after this first set of pages is reviewed.
FAQ
How much does Walmart charge to cash a check?
Walmart publishes a $4 maximum for pre-printed checks up to $1,000 and an $8 maximum above $1,000. Two-party personal checks are limited to $200 with a $6 maximum [1].
How much does King Soopers charge to cash a check?
King Soopers does not publish a dollar fee. Its official page says fees and limits vary by state and to check with your local Money Services desk [2].
Can I cash a check without a bank account?
King Soopers says yes, you don't need a bank account to cash a check at its Money Services desks. ACE also says you don't need a bank account [2][4].
What is the most I can cash?
Walmart says its limit in most states is $5,000, raised to $7,500 from January to April. King Soopers accepts checks up to $5,000 [1][2].
Where can I cash a USPS money order for free?
At any Post Office. USPS says cashing a USPS money order there is free; bring a primary photo ID and sign it at the counter [5].
Sources
All sources last checked Nov 10, 2026 (America/Denver). Fees can differ by store and by state.
- Walmart, "Check Cashing": walmart.com/cp/check-cashing/632047 (last checked Nov 10, 2026)
- King Soopers, "Check Cashing": kingsoopers.com/o/money-services/check-cashing (last checked Nov 10, 2026)
- Kroger, "Money Services FAQ": kroger.com/i/money-services-faq (last checked Nov 10, 2026)
- ACE Cash Express, "Check Cashing": acecashexpress.com/check-cashing/ (last checked Nov 10, 2026)
- USPS, "Money Orders": usps.com/shop/money-orders.htm (last checked Nov 10, 2026)