Taxpayers can cash their income tax refund checks at their local banks or sometimes at large retailers or check cashing services. Cashing or depositing the check at a bank where the taxpayer already has an account typically carries no cost to the customer.
Individuals without bank accounts can cash their income tax refund checks at large retailers such as Walmart or Kroger. However, these retailers typically charge fees for cashing tax refund checks and may limit the dollar amount they are willing to cash. Local check cashing companies may also cash tax refund checks, but these retailers also typically charge fees for the service.