Does Food Lion Cash Personal Checks: Complete Guideline

Food Lion is a grocery store chain that operates over 1,000 stores in 10 states in the southeastern United States. The company was founded in 1957 and is currently headquartered in Salisbury, North Carolina. Food Lion provides a wide range of products, including fresh produce, meat, dairy, and bakery items, as well as household and personal care items.

One question that many customers ask is whether Food Lion cashes personal checks. The answer is yes, but there are certain policies and procedures that customers need to be aware of before attempting to cash a personal check at a Food Lion store.

Food Lion Personal Check Cashing Policies

Food Lion has a personal check cashing policy in place to protect itself and its customers.If you want to cash your personal checks, you have to purchase groceries and write the price of the groceries and additional $50. Say you buy products of $25 from Food Lion, then you can write to cash for $50+$25=$75. Food Lion does not cash personal checks written to you by a third party. It cashes only checks that are written by you and for your own accouunt. To cash a personal check at Food Lion, customers need to provide a valid government-issued photo ID, such as a driver’s license, Military ID, Tribal Photo ID or Passport (For Payroll checks only).The ID must include the customer’s name, address, and date of birth.

Process of Personal Checks Cashing at Food Lion

Once you provide a valid Photo ID, you can proceed to cash your personal check at a Food Lion store. The process is straightforward and typically takes only a few minutes.

  1. Food Lion represerntative or cashier will ask you to provide some form of government ID to verify that your identity matches the name on the check. A Passport or Driving License is ideal.
  2. Food Lion then uses a third party verification service to verify your check.
  3. The verification service will verify all the details and check the amount before authorizing the check to be accepted.
  4. If they cannot verify your details, they willl give you the contact information for the verification service so that you can conmtact and find out what the issue is.
  5. If your details are successfully verified then you will be asked to sign an electronic receipt for Food Lion’s records.
  6. Then the cashier will pay the amount( after subtracting the cash check fee from it)to you.

Alternative Options for Cashing Personal Checks

If a customer cannot cash from his personal check at Food Lion, there are other options available. One option is to go to a bank and cash the check there. Banks typically require customers to have an account with them to cash a check, but some banks will cash checks for non-customers for a fee.

Another option is to use a check-cashing service. These services are typically available at retailers such as Walmart, Kroger, and other grocery stores. Check-cashing services usually charge a fee for their services, which can be a percentage of the check amount or a flat fee.

List of Checks Cashed at Food Lion

Food Lion cashes a variety of personal checks, including payroll checks, government checks, tax refund checks, Traveler’s Checks and cashier’s checks. However, Food Lion does not cash third-party checks, altered checks, check written with pencil, counter checks, credit card checks, handwritten payroll checks, Money Order, two party checks, post-dated checks, or checks made out to businesses or corporations.

Food Lion Personal Check Cashing Limit & Fees

Food Lion has a personal check cashing limit of $1,000 per day per customer. Customers who need to cash a check for more than $1,000 will need to make arrangements with the store manager in advance.

Food Lion charges a fee for cashing personal checks, which is typically a percentage of the check amount. The fee varies by state and by store location, but it is usually around 1-3% of the check amount. For example, if a customer cashes a $100 check, they may be charged a $1-3 fee.

Precautions to Take While Using Personal Checks

While personal checks are a convenient form of payment, there are some precautions that customers should take to protect themselves from fraud and other issues. One important precaution is to never give out personal information, such as a Social Security number or bank account number etc to any unknown person, except the representative of Food Lion.

Customers should also be aware of the potential for scams, such as check fraud or fake check scams. In these scams, a person may ask a customer to cash a check and then wire them some of the money, promising to pay the customer a fee for their trouble. However, the check may turn out to be fraudulent, leaving the customer on the hook for the money.

To protect themselves from these types of scams, customers should be wary of anyone who asks them to cash a check for them, especially if they don’t know the person well. Customers should also be cautious of checks that seem too good to be true, such as unexpected lottery winnings or inheritance payments.

By following these precautions, you can help protect yourself and your business from fraud and ensure secure transaction.


What type of checks Food Lion will not cash?

Food Lion typically does not cash the following types of checks: third-party checks, altered checks, starter checks, post-dated checks, counter chercks, credit card checks, hand written payroll checks, money order, two-party checks, checks that are more than 180 days old, and checks that are written for more than the purchase amount.

Are there any restrictions for cashing personal checks at Food Lion?

Yes, there are some restrictions for cashing personal checks at Food Lion. You will need to provide a valid government-issued photo ID, such as a driver’s license, Military ID, Tribal Photo ID, or passport. Additionally, Food Lion may limit the amount of the check that they will be cashed, and may also charge a fee for the transaction.

Will Food Lion cash a two-party personal check?

No. Food Lion does not cash two-party personal checks.

What time does Food Lion check cashing close?

The exact time that check cashing services close may vary by store location. It is recommended to contact your local Food Lion store to confirm their specific check cashing hours.

Where can I cash a personal check on Sunday?

Many banks and credit unions are closed on Sundays, but there are alternative ways to cash your checks. You can check for ATM’s that accept checks, Retail stores such as Walmart, Walgreens, Kroger etc. You can take help from mobile banking and check depositing apps. You can also try Dedicated Check cashing places.


Food Lion offers the convenient service of cashing personal checks for its customers. This service is especially helpful for those who may not have access to a bank or need immediate access to funds. But it is also notable that Food Lion charges a fee for their service and you have to submit your Identification before cash hecks. Consideruing everything, it can be said that Food Lion can be a good solution for cash checks if someone wants to get money in an emergency and also like to sacrifice the cash charge fee happily.

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