Need cash from a check at 2 a.m.? You're not alone — millions of Americans rely on after-hours check cashing every year, and the check cashing market continues to expand steadily, per Dimension Market Research. Whether it's an emergency payroll check or a late-night government payment, knowing where to go matters. If you're also looking to stretch every dollar, check out our guide to free coin counting locations or tips on turning gift cards into cash. Here are the best 24-hour and extended-hours check cashing options available now.
Quick Answer
For 24-hour check cashing, visit Walmart Money Centers (open until midnight), Kroger, or a 24/7 ATM with mobile deposit. Dedicated check cashing stores like ACE Cash Express offer extended hours. Many Walgreens and CVS locations also cash checks late. Fees typically range from 1%–3% of the check amount.
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Summary Table
| Item Name | Price Range | Best For | Website |
|---|---|---|---|
| ACE Cash Express | 2%–6% of check amount | No bank account, multiple check types | Visit Site |
| Walmart Money Centers | $4–$8 flat fee (up to $1,000) | Low fees, payroll & government checks | Visit Site |
| PLS Check Cashing | 1%–5% of check amount | Extended hours, unbanked customers | Visit Site |
| Regions Bank | Free–$10 per check | Account holders needing after-hours ATM access | See details |
4 Trusted 24-Hour Check Cashing Spots Near You (2026)
Below you'll find detailed information about each option, including what makes them unique and their key benefits.
1. ACE Cash Express
ACE Cash Express is one of the most widely available options for finding 24-hour check cashing near you, with hundreds of locations across the U.S. offering extended or round-the-clock service. They cash payroll, government, tax refund, and personal checks, making them a practical stop when your bank is closed.
Key details:
- Fees typically range 1%–4% of the check amount depending on type
- No bank account required
- Many locations open until midnight or later; select stores run 24/7
2. Walmart Money Centers
Walmart Money Centers offer late-night check cashing inside Walmart Supercenters, many of which stay open until 11 p.m. or operate 24 hours — making them a convenient alternative when dedicated check-cashing stores are full or unavailable. They accept payroll and government checks up to $5,000 (up to $7,500 during tax season).
What you get:
- Flat fee of $4 for checks up to $1,000; $8 for larger amounts
- Funds loaded to a Walmart MoneyCard or paid in cash
- No membership or account needed
3. PLS Check Cashing
PLS Check Cashing operates dedicated financial service stores with some of the longest business hours in the industry, including locations open until midnight or beyond — filling a real gap for people searching for late-night or around-the-clock check cashing. PLS cashes a broad range of check types including payroll, insurance, money orders, and two-party checks.
Notable perks:
- Fees vary by location and check type; generally competitive with other check cashers
- Loyalty program available for repeat customers
- Over 300 locations primarily in Midwest and Southern U.S.
4. Regions Bank
Regions Bank offers check cashing services to both account holders and non-customers, making it a practical option when you need around-the-clock access to funds. While full 24-hour branch access varies by location, Regions ATMs and select extended-hours branches allow customers to deposit and access check funds outside standard banking hours. Non-customers can cash Regions-issued checks at any branch during operating hours with a valid government-issued ID.
Key details:
- Non-customer check cashing fee: typically $5 per check for Regions-issued checks
- Account holders can access funds faster through mobile deposit with immediate availability options
- ATM network available 24/7 for deposited check access
Final Words
Your best bet depends on whether you prioritize convenience, lower fees, or extended hours near your location. From bank ATMs to retail check-cashing counters, each of these four options serves a different urgent need — or explore fast ways to get cash without fees altogether.