Does WinCo Cash & Take Checks (Personal & Payroll)?

WinCo Foods is a retail chain of supermarkets across the US and is based in Boise Idaho. It offers a variety of money services in states such as Arizona, California, Montana, Idaho, Oklahoma, Nevada, Texas, Utah, Washington, and Oregon.

In this article, we will tell you whether WinCo does cash checks and whether they accept checks as a payment method.

Does WinCo Foods Cash Checks?

Let’s say you have a check and would like to convert it into cash. Can WinCo convert that check into cash?

Yes, WinCo does cash checks in most of its outlets across the US. However, it should be noted that at the moment the store does cash payroll checks only.

WinCo Check Cashing Policy

WinCo check cashing policy provides that the check must not exceed $1000, and it should be a payroll check for it to be accepted.

Also, the customer must have valid identification documents such as a driver’s license, or military ID.

WinCo Foods check cashing
WinCo Foods Store

Insofar as the identification is concerned, WinCo state that the company should be able to verify the customer’s employment with the issuer of the check.

WinCo Check Cashing Hours

The check-cashing services are handled at the customer care desk between 8 am and 9 pm daily in most stores.

WinCo Check Cashing Fees

WinCo Foods has a unique arrangement in place when it comes to charging for check cashing services.

At WinCo check cashing fees are $5 for checks valued below $500 and $10 for checks valued at more than $500.

The fees are charged in the form of redeemable tokens which customers would redeem when they make a purchase at the store.

The $5 token is redeemed by purchasing commodities totaling $25 whereas the $10 token is redeemed by making a purchase worth $50.

Checks not Accepted at WinCo Foods

While WinCo does cash many payroll checks as already discussed here above, there are a number of checks that are not accepted at their outlets.

Some of the checks that are not accepted at WinCo include:

  • Two-party Checks
  • Finance company loan checks
  • Non-WinCo money orders
  • Manually handwritten payroll checks
  • Deposit slips
  • Checks with unreadable magnetic ink numbers
  • Post-dated checks
  • Checks totaling over $1000
  • Insurance settlement checks
  • Checks without a preprinted name
  • Out-of-trading area checks
  • Checks older than 30 days
  • Computer-generated checks
  • Counter checks

Does WinCo Take Checks as Payment?

Now that we have seen that Winco does cash checks, you may still be wondering whether you can use checks as a form of payment for your merchandise purchased at WinCo stores.

Well, you will be happy to learn that: Yes, WinCo takes checks as a form of payment during checkout at their stores. The commonly accepted checks as a form of payment are personal and payroll checks.

Please note for personal checks, you must accept the precondition that WinCo may have to deduct the value of the check plus some predetermined fee from your checking account in case it is returned unpaid.

FAQs on WinCo Check Cashing

Under this section, we revisit some of the commonly asked questions concerning cashing of checks at WinCo Foods.

Does WinCo cash personal checks?

Unfortunately, WinCo does not cash personal checks. For these, you would have to check other retail stores that do cash personal checks.

Does WinCo cash stimulus checks?

No, WinCo does not cash stimulus checks in any of its stores. That means you would have to go for any of the alternative check-cashing retail stores nearby.

How long does it take for a check to clear at WinCo?

At WinCo Payroll checks clear within two business days. This means if you deposit a check for cashing on Monday (for example), it would have cleared by the end of the day on Wednesday the same week.

Does WinCo cash handwritten checks?

No, WinCo does not cash handwritten checks or checks whose names are not preprinted. This means for checks to be cashed at WinCo Foods stores, everything on them must be machine printed.

Does WinCo cash 2-party checks?

No, WinCo does not cash 2 party checks in any of their store outlets. this means you would have to look for alternative stores that can cash 2-party checks.

Does WinCo give cashback on personal checks?

No, WinCo does not give cash back on personal checks. You would need a payroll check to qualify for cash backs on purchases made using checks according to the specific store cashback policy.

READ: Does Kroger cash two-party checks?

About Nelkwob

Nelson K. is a former banker with experience in providing financial solutions to a variety of customers (individual and commercial). His background makes him the best go-to individual for information on money services offered by banks, credit unions, gas stations, and stores.

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