CVS does cash checks, but only certain types and only at locations with a MoneyCenter

CVS cashes checks at participating locations through its MoneyCenter service, but not every CVS offers this. You can cash personal checks, payroll checks, tax refund checks, and government checks at a CVS MoneyCenter. The store will charge you a fee — the amount depends on the check amount and varies by location, typically ranging from a few dollars for smaller checks to higher fees for larger amounts.

Not all CVS stores have a MoneyCenter. Smaller locations or those in rural areas may not offer check cashing at all. Before you go, call the specific CVS location or check their website to confirm they have a MoneyCenter and are currently offering check cashing services.

Key Takeaways

  • CVS cashes personal, payroll, tax refund, and government checks at locations with a MoneyCenter, but fees apply and vary by location.
  • You must bring a valid government-issued photo ID and the check itself; some locations may ask for additional identification.
  • Not every CVS has a MoneyCenter, so you need to call ahead or check online to confirm your nearest location offers check cashing.
  • CVS MoneyCenter hours may differ from store hours, so verify the service is available when you plan to visit.

What types of checks CVS will and won't cash

CVS cashes most common check types: personal checks from your bank account, payroll checks from your employer, tax refund checks, and government benefit checks. The check must be made out to you, and you must endorse it (sign the back) before presenting it to the cashier.

CVS will not cash checks that are post-dated (dated for a future date), checks made out to multiple people, checks that appear altered or damaged, or checks written on accounts that have been closed. If a check is missing information — like the routing number or account number — the store may refuse it.

What you need to bring to cash a check at CVS

Bring a valid government-issued photo ID. A driver's license, passport, or state ID card will work. Some CVS locations may ask for a second form of identification, particularly for larger checks or if you're a new customer at that location.

Bring the check itself, unsigned. Do not sign the back until you're at the counter — the cashier will ask you to endorse it in front of them. If the check is made out to you but your name appears differently than on your ID (for example, a maiden name versus a married name), bring documentation showing both names, such as a marriage certificate or court order.

Fees and limits on check cashing at CVS

CVS charges a fee for check cashing, but the amount varies by location and check size. Fees are typically higher for larger checks. A personal check for $500 might cost $5 to $10 to cash, while a $1,500 check could cost $15 or more. Call ahead to ask about the specific fee structure at your location.

CVS does not publish a maximum check amount that it will cash, but individual locations may set their own limits. Extremely large checks — over $5,000 — may be refused or require manager approval. If you're cashing a large check, call the store first to confirm they can handle it.

How to find a CVS MoneyCenter near you

Use the CVS store locator on their website and filter for locations that offer MoneyCenter services. The store locator will show you hours and services available at each location. You can also call a CVS directly and ask whether they have a MoneyCenter and whether it's currently open.

MoneyCenter hours may not match store hours. Some locations close their MoneyCenter earlier than the pharmacy or front-end registers. If you're planning to cash a check on a weekend or evening, confirm the MoneyCenter will be staffed when you arrive.

Alternatives if your CVS doesn't have a MoneyCenter

If the nearest CVS doesn't offer check cashing, your bank or credit union will cash checks for free if you have an account there. Many banks also cash checks for non-customers, though they may charge a fee. Walmart, Kroger, and other grocery stores offer check cashing services, often with lower fees than CVS for smaller checks.

Check-cashing businesses exist in most towns and cities, but their fees are typically higher than retail locations. Payday loan stores also cash checks but often charge steep fees and may pressure you into loans. If you have a bank account, depositing the check directly (through mobile deposit or at a branch) is free and usually the fastest option.

What happens if CVS refuses to cash your check

If a CVS MoneyCenter employee refuses your check, ask why. Common reasons include a missing signature, a post-dated check, a check that appears altered, or insufficient ID. If the reason is something you can fix — like signing the back — you can do that on the spot.

If the check itself has a problem (post-dated, made out to someone else, or from a closed account), you'll need to contact the person or organization that issued it and ask for a corrected check. If you believe the refusal was an error, ask to speak with a manager. If the manager still refuses, try another CVS location or use one of the alternatives listed above.

Frequently Asked Questions

Can I cash a check at CVS if I don't have a bank account?

Yes. CVS cashes checks for anyone with a valid government-issued photo ID, whether or not you have a bank account. You'll pay a fee, but you don't need to be a customer of any bank.

How long does it take to cash a check at CVS?

Most checks are cashed within 5 to 10 minutes, assuming your ID is valid and the check has no problems. During busy times, you may wait longer. The MoneyCenter employee will verify your ID, confirm the check details, and process the transaction at the register.

Can I cash a check made out to my business at CVS?

CVS typically cashes checks made out to individuals, not business names. If the check is made out to your business, you'll likely need to deposit it into a business bank account instead. Call your local CVS to confirm their policy.

What if my check is damaged or torn?

A slightly damaged check may still be cashed if all the essential information is readable — the amount, the routing number, the account number, and the signature. Severely damaged or torn checks will be refused. If your check is damaged, contact the issuer and request a replacement.

Does CVS cash checks on Sundays?

Some CVS locations are open on Sundays, but MoneyCenter hours vary. Many locations close their MoneyCenter earlier than the store itself. Call ahead to confirm the MoneyCenter is open on the day and time you plan to visit.