Check cashing policies vary by store, so it’s important to contact your local Kmart before attempting to cash a check.
In general, Kmart will cash payroll checks, tax refund checks, government checks, personal checks, and two-party checks.
However, the amount that can be cashed varies by check type and store.
It’s best to call your local Kmart to get specific information about their check cashing policy.
This will ensure that you know what to expect and there won’t be any surprises when you go to cash your check.
Kmart Check Cashing Policy
As per Kmart’s check cashing policy, you can cash personal checks, government checks, payroll checks, and tax refund checks.
There is a dollar limit of $500 for personal & two-party checks whereas other check types have a cashable limit of up to $2,000.
Verification Policy
In order to be able to cash a check at Kmart, you need to have a valid form of identification and most importantly, you must be a Kmart rewards member.
If you are not a member, it’s free to sign up so it would be worth doing that in order to take advantage of this check cashing service that costs way less compared to what other retail stores are charging.
Already own a Kmart Shop Your Way Rewards membership? Then, just carry a government-issued photo ID such as your driver’s license or passport or military ID, or Green Card.
This is how Kmart verifies your identity before cashing a check. To verify your check, Kmart makes use of a third-party verification software called Certegy.
Your check will be verified via Certegy and cash will be deposited into your checking account or debit card only if it is valid.
Kmart declines bad checks right away. Bad checks are checks that are written without sufficient funds in the issuer’s bank account. This is when a check gets bounced and a penalty fee will be levied.
Fees
Kmart charges a check cashing fee of just $1. This flat fee applies to government checks, tax refund checks, and payroll checks.
However, some Kmart locations may charge way less. For example, the fee is just $0.50 at all Kmart stores in Rhode Island and Illinois states.
What’s really great and awesome is – it’s free to cash checks at Kmart in these states:
- South Carolina
- Delaware
- Puerto Rico
- Connecticut
- New Jersey
- Guam
- Nevada
- Pennsylvania
- Georgia
- Washington
If you live in one of these states and have a Kmart membership, then it’s absolutely free for you to cash several types of checks.
In other states, the Kmart check cashing fee can go as high as $5. But, it’s really less compared to the fee that is being charged at other check cashing places.
Use this store finder tool to locate a Kmart near you!
Limits
According to the check cashing policy, Kmart has a check cashing limit of $2,000 on payroll checks and government checks.
If it’s a personal check or a two-party check, then you are limited to $500.
You need to contact your local Kmart to know whether the store cashes other types of checks like third-party checks, business checks, insurance checks, stimulus checks, etc, and their limits.
This is because the fee and limits of Kmart vary from store to store.
Timings
The best time to go to Kmart to cash a check is before 5 PM on a weekday.
However, it’s best to contact your local store beforehand to confirm the exact business hours and check cashing hours.
In general, Kmart stores are open from 8 A.M. to 10 P.M., but hours may vary by location. During the weekend, the business hours will be 9 AM to 9 PM.
But, during evening hours, only some stores may be able to cash checks.
And so, it would be wise to always call ahead to check if the store you’re visiting can actually cash your check.