Does Safeway Cash Personal Checks – Find Out

Safeway is a chain of supermarkets and convenience stores with its headquarters in California, United States. Safeway sells grocery items, food, and general merchandise and they cater to special departments such as pharmacies, bakeries, Starbucks coffee centers, fuel, delicatessen, etc. Safeway stores cash checks too. To cash checks at Safeway is easy, but you need to know the policies of check cash at a Safeway store. In this article, we will discuss the types of checks that can be cashed at Safeway stores, whether or not personal checks are accepted, check cash policy at Safeway, how to cash checks at Safeway, why Safeway does not cash personal checks, what types of checks are not accepted, other places to cash personal checks, whether or not Safeway cashes stimulus checks, and Safeway’s check cashing hours.

Various Types Of Checks Can Be Cashed at Safeway

Safeway stores offer to check cashing services for a variety of checks, including payroll checks, government checks, tax refund checks, insurance settlement checks, and cashier’s checks. These are typically considered more secure than personal checks because they are issued by a reputable source and are less likely to be forged or bounced.

Payroll checks are issued by an employer and are used to pay employees. They include the employee’s name, the employer’s name and address, and the amount of the paycheck.

Government checks are issued by a government agency and may include Social Security checks, tax refund checks, and other types of government payments. Usually, these checks have security features such as a watermark or hologram to prevent forgery.

Tax refund checks are issued by the government to taxpayers who are owed a refund on their taxes. These checks include the taxpayer’s name, address, amount of the refund, and the year for which the refund is being issued.

Insurance settlement checks are issued by insurance companies to policyholders who have filed a claim and are entitled to a payout. These checks usually include the policyholder’s name, the amount of the settlement, and the nature of the claim.

Cashier’s checks are checks that are guaranteed by a bank or financial institution. They are typically used for large transactions or to pay for items that require a high level of security, such as a car or a house. These checks have watermarks or other security features to prevent forgery.

In order to cash a check at Safeway, the check must be printed and must have a valid identification number. It is wise to check with your local Safeway store for their specific check cashing requirements and limitations.

Cash Check Policy at Safeway

Safeway has some check-cash policies. You have to follow these policies when you want to cash your checks at Safeway. Here the policies are given in brief:

Safeway cashes a variety of checks, but not all checks are cashed. Safeway does not cash handwritten checks, personal checks, starter checks, and third-party checks.

To cash a government-issued check, you must have an identity card issued by the government. Such as a driver’s License, State ID, or Passport. Your identity needs to be verified before you can cash your government checks.

Safeway does not cash checks exceeding $1500. But, there is no limit to the number of checks you cash. 

Safeway charges you $2.25 for every $200 you cash. It is around 1.125% of the total cash amount.

Does Safeway Cash Personal Checks

Safeway does not cash personal checks. Personal checks are checks written by individuals and are not considered as secure as other types of checks.

Causes that Safeway Does Not Cash Personal Checks

Safeway does not accept personal checks, because personal checks can be easily forged or altered and it is difficult for any retailer to detect these fraudulent checks before they are cashed. These can result in a significant loss of retail stores. Not only that but sometimes, genuine checks are mistakenly flagged as fraudulent.

Another reason that Safeway does not accept personal checks is that personal check processing takes a significant time. Like most other checks, such as payroll checks, government checks, and credit or debit cards, personal checks cannot be processed in seconds, it needs manual processing. It creates long lines and delays at the checkout, which is frustrating for both the customers and the employees.

For these reasons, Safeway does not accept Personal checks.

Check Cashing Process at Safeway

You can cash your checks from a Safeway store by following the steps below.

  1. Visit a Safeway store: go to your nearest Safeway store and submit your check at the Customer service area.
  2. Bring a valid photo ID: you have to provide a government-issued photo ID, such as a driver’s license, state ID, or passport. The name on the check and the name on your ID must match.
  3. Endorse the check: Sign the back of the check in the required area to endorse your check. Make sure to sign in the presence of the cashier or check cashing representative.
  4. Pay the check cashing fee: Safeway charges a fee to cash checks. Usually, you have to pay $2.25 to cash a check for $200.
  5. Input Social Security Number: You have to input your social security number when processing the check. Make sure not to give the number to any Safeway employee.
  6. Receive your cash: Once the check has been verified and processed, you’ll receive your cash.

Types of Checks that Safeway Does Not Cash

Safeway offers to check cashing services. While they do cash a wide variety of checks, there are certain types of checks that they do not cash. These include:

  • Post-dated checks: Postdated check means a check that is dated for a future date. Safeway does not cash the checks that are postdated, because the store cannot be sure that the fund will be available on that future date.
  • Third-party checks: Safeway does not cash third-party checks. These checks are made out to a third party, meaning someone other than the person trying to cash the check. For example, if you cash a check not for yourself but for your friend, and the check does not belong to that friend, then Safeway does not cash the check.
  • Starter checks: Safeway does not cash starter checks. Starter checks are the temporary checks that are given to customers when they first open a bank account. As the Safeway store cannot be sure that the account has been properly established, they do not accept Starter checks.
  • Checks made out to a business: Safeway does not cash checks that are made out to a business, as they are not equipped to verify the legitimacy of the business.
  • Checks for exceeded amounts: Safeway refuses to cash checks for an amount more than the cash limit. That means $1500.
  • Expired checks: Safeway does not cash checks that have expired, meaning that the date is older than 6 months. This is because the store cannot be sure that the funds are still available.

It’s always a good practice to check with your local Safeway store to confirm their specific check cashing policies before attempting to cash a check.

Other Places that Cash Personal Checks

If you are looking for alternative places to cash personal checks, you can try other grocery stores, such as Walmart, Kroger, and Publix, or check-cashing services like MoneyGram and Western Union.

A personal check is a popular way for people to transfer money, but not everyone has a bank account or wants to use an ATM to cash them. Fortunately, there are several other places that cash personal checks.

Retail stores

Many retail and Grocery stores, including Walmart, Kroger, Publix, Kmart, etc, offer to check cashing services. They usually charge a fee for this service, which varies by store.

Check cashing stores

Check-to-cash stores offer cashing checks and often have been opened longer hours than banks. They may also offer other financial services, such as payday loans and money transfers. However, they often charge higher fees than retail stores.

Payday lenders

Payday lenders offer short-term loans to people who need money quickly. They often cash checks as well. Like check cashing stores, they may charge higher fees than retail stores.


If the check is drawn from a bank where you have an account, you can usually cash it at that bank for free. However, if you don’t have an account with that bank, they may charge a fee.

Online check cashing services

Some banks and financial institutions offer online check cashing services. To use their service, you need to take a photo of the front and back of the check with your smartphone and upload it to the bank’s app or website. Fees for online check cashing services vary by institution.

Credit unions

Credit unions are member-owned financial institutions that often offer check cashing services to their members. If you’re a member of a credit union, you may be able to cash a personal check for a lower fee than you could at a retail store or check cashing store.

Mobile apps

There are several mobile apps, such as Ingo Money and ACE Flare, that allow you to cash a personal check using your smartphone. To use their service, you need to take a photo of the front and back of the check, and the funds are deposited in your account within a few minutes. However, these services often charge a fee.

It’s important to note that each place that cashes personal checks has its own policies and fees. Before you go to cash a check, it is a good practice to check the company’s website and find out what their fees are and what types of checks they cash. Also make sure that you have proper identification, such as a valid driver’s license or passport, when cashing a check.

 Safeway Cash Your Stimulus Check

Safeway cashes stimulus checks for free. A stimulus check is a payment made by the government to individuals in order to stimulate the economy during times of economic hardship. The stimulus check that you want to cash from Safeway must be printed and have a valid identification number.

Safeway Also Cash Checks on Sunday

Yes, you can cash your checks on Sunday, like on other days at Safeway. Only remember that opening and closing time differs on Sunday from other days.

Safeway Check Cashing Hours

The number of hours that a Safeway store offers for check cashing depends on the location of the store. If the location is in a busy place, then the Safeway store opens its cash checking service 24/7. And in a less busy location, it may open at 8 am and close at 10.30 pm. Remember, Check cash hours differ only on Sundays.


Safeway offers a convenient service for customers who need to cash checks. With a simple process and competitive fees, Safeway makes it easy for customers to access their funds without having to visit a bank or wait in long lines. Whether you need to cash payroll, government, or stimulus checks, Safeway is a reliable option that can save you time and hassle. Additionally, Safeway’s commitment to customer service ensures that you will be assisted by friendly and knowledgeable staff who will help you through the process. So, if you’re looking for a hassle-free way to cash your checks, Safeway is definitely a good choice.

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