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What Financial Services Are Available at 7-Eleven?

The front of a 7-Eleven convenience store.

The convenience store 7-Eleven is a place where you can buy snacks and soft drinks at any time of day, and some of its stores have their own gas stations as well. But 7-Eleven doesn’t just sell food, it also provides several financial services to its customers. In addition to operating ATM machines, this store offers other services that could be very useful for customers who don’t have bank accounts. Here are the financial services that are available at 7-Eleven.

Does 7-Eleven Cash Checks?

7-Eleven cashes checks but the check-cashing process is somewhat different at this store than it is at other retailers. 7-Eleven operates a fintech called Transact in partnership with Metabank, a regional bank that provides banking services to fintechs. If you open a Transact account, you can get a reloadable Mastercard and download the Transact app.

You can cash checks online with the Transact app by using your smartphone to take a picture of the check. You can also bring your checks and Transact card to a 7-Eleven store and cash them by inserting them into the store’s kiosk. Transact accepts several types of checks, including payroll checks and government checks. If you have a Transact account you can also withdraw money with no fee from 7-Eleven’s ATMs.

Does 7-Eleven Sell Money Orders?

7-Eleven sells money orders. It also has partnerships with both Western Union and MoneyGram so you can buy a money order from either service at this convenience store. Unlike supermarkets, 7-Eleven doesn’t have separate financial services desks in its stores, so it also sells money orders through its kiosks and has done so since 2008. This store’s kiosks are basically more advanced ATMs that provide additional financial services.

Can You Send or Receive Money at 7-Eleven?

Again, 7-Eleven provides both Western Union and MoneyGram services so money transfers are available there as well. You can send money to recipients there, including recipients in foreign countries, and you can also receive money transfers at this convenience store. This store’s money transfer services have also been available since 2008.

Can You Reload Prepaid Cards at 7-Eleven?

You can also reload prepaid cards with cash at 7-Eleven. While many of this store’s financial services rely on its Transact app, which has its own prepaid card, it’s also possible to reload debit cards issued by other banks and fintech apps there. 7-Eleven also sells reloadable debit cards, including Western Union’s prepaid cards. Expect to pay a small fee to reload a prepaid card at this convenience store and bring an ID such as a driver’s license.

Can You Pay Your Utility Bills at 7-Eleven?

You can also pay your utility bills at 7-Eleven. It provides bill payment services through Transact as well as PayNearMe and this store even has a cobranded 7-Eleven/PayNearMe app. While these apps both support online bill payment, you can also bring cash to a 7-Eleven store and pay your bill at the kiosk. Again, unlike many other supermarkets and drugstores, 7-Eleven stores are 24-hour stores, so the bill payment services at its kiosks are available at all times of day as well.

What 7-Eleven Alternatives Provide Financial Services?

Circle K also provides all of the most commonly used financial services that are available at retail stores. Like 7-Eleven, if you cash a check there it’ll load the balance onto a prepaid card.

CVS doesn’t cash checks but it provides all of the other commonly used financial services. Like 7-Eleven, it has many locations and some CVS stores are 24-hour stores.

Walgreens is another drugstore that provides several financial services such as prepaid card reloads and bill payment services, although like the other drugstores it doesn’t cash checks.


If you don’t have a bank account or don’t live near a bank branch, 7-Eleven is a useful place to obtain financial services. It provides all of the most commonly used financial services and it also has multiple financial service partners in several categories. It’s also a 24-hour store, unlike some of the other stores that provide financial services. If you plan to use 7-Eleven’s financial services, though, it would be a good idea to sign up for its Transact app and obtain the Transact prepaid debit card.

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