Atlanta, Georgia, is a bustling city with a wide array of financial services available for residents and visitors alike. For individuals who don’t have a bank account, or for those who need quick access to their funds, cashing checks can become a challenge. Fortunately, there are numerous check-cashing locations in Atlanta that can help you cash checks, whether they are payroll checks, government checks, tax refund checks, or personal checks.
This article will provide an overview of various check-cashing options available throughout the city, including banks, check-cashing stores, retail locations, and alternative services. Knowing where to cash checks in Atlanta can save check cashing locations in Atlanta you time and effort, ensuring that you can access your funds when you need them.
Banks That Offer Check Cashing in Atlanta
While many unbanked individuals may not have an account at a traditional bank, some banks still offer check-cashing services for non-account holders. However, the process and fees can vary depending on the bank and the type of check you’re attempting to cash. In most cases, banks will charge a fee to cash checks if you’re not a customer, and they may impose additional restrictions on the size of the check.
In Atlanta, some banks that offer check-cashing services to non-customers include:
- Wells Fargo
Wells Fargo offers check-cashing services for non-account holders, although fees typically apply. Wells Fargo branches are widely spread throughout Atlanta, and they offer the convenience of extended hours at some locations. - Regions Bank
Regions Bank provides check-cashing services for customers and non-customers alike. For non-customers, fees may apply depending on the check type. Be sure to check the specific branch’s policy on check cashing. - Bank of America
Bank of America allows non-account holders to cash checks at its locations in Atlanta, although there are fees involved. The fees for cashing checks without an account vary based on the size of the check and other factors.
Before going to any bank, it’s advisable to call ahead or check online for the most up-to-date information about their policies, fees, and any restrictions on check types or amounts.
Check-Cashing Stores in Atlanta
For those without bank accounts, check-cashing stores offer a reliable and efficient way to access funds from various types of checks. These specialized businesses cater to individuals who need to cash checks quickly and without the requirement of a bank account. In Atlanta, some well-known check-cashing locations include:
- ACE Cash Express
ACE Cash Express is one of the most popular check-cashing services in Atlanta. They cash a variety of checks, including payroll, government, and personal checks. ACE also offers payday loans, money transfers, and bill payment services. Locations are conveniently spread across the city, with many offering extended hours. - Check Into Cash
Check Into Cash is another widely recognized check-cashing provider in Atlanta. They accept payroll checks, government checks, and tax refund checks. In addition to check cashing, they offer payday loans, title loans, and prepaid debit card services. Their fees are typically a percentage of the check amount, and they have several locations around Atlanta. - Moneytree
Moneytree is a popular chain that offers check-cashing services and other financial products, such as payday loans and money orders. They are known for providing cashing services with minimal paperwork and for having locations throughout Atlanta. Their fees depend on the size of the check being cashed, and they offer a straightforward and quick process.
Retail Locations Offering Check Cashing in Atlanta
Some retail chains in Atlanta also offer check-cashing services. These retail locations generally charge lower fees than check-cashing stores, making them an affordable option for those looking to cash smaller checks. Common retailers in the area include:
- Walmart
Walmart is one of the most affordable and accessible places to cash checks in Atlanta. Walmart offers check-cashing services for various types of checks, including payroll checks, government checks, tax refund checks, and even some personal checks. Their fees are typically lower than check-cashing stores, and they offer the convenience of extended hours. Walmart’s check-cashing service can be found at several locations throughout the city. - CVS
While CVS is not traditionally known for check-cashing, many CVS locations in Atlanta now offer this service, particularly for payroll and government checks. These services are often provided in partnership with other check-cashing networks, so it’s best to contact your local CVS to confirm availability and fees. - Rite Aid
Similar to CVS, Rite Aid is another retailer that may offer check-cashing services in some locations in Atlanta. Not all Rite Aid stores provide this service, so it’s advisable to call ahead or check online to see if the one near you offers check-cashing options.
Money Transfer Services in Atlanta
In addition to check-cashing stores and retail locations, money transfer services like Western Union and MoneyGram are widely available in Atlanta. These services can help you cash checks, especially if the check is from a government source, such as a tax refund or unemployment check. They typically charge a fee based on the size and type of the check.
- Western Union
Western Union locations in Atlanta offer check-cashing services, especially for government checks, tax refunds, and money orders. Western Union is also a convenient option if you need to send or receive money, as they have many locations across the city. - MoneyGram
MoneyGram is another money transfer service that offers check-cashing services in Atlanta. They are known for their wide network of locations, and many of them offer check-cashing services along with money transfer, bill payment, and prepaid card services. MoneyGram’s fees for check cashing can vary, so it’s a good idea to confirm with your local agent before cashing a large check.
Prepaid Debit Cards and Mobile Check Deposit Options
For those who don’t have access to a bank account, prepaid debit cards can offer a practical alternative for cashing checks. Several prepaid card companies, such as Green Dot and NetSpend, offer check-cashing features. You can deposit checks onto your prepaid card via mobile apps or at participating retailers in Atlanta.