I had some problems with my bank account in the past and I cashed my check at Walmart a number of times.
Rules: (basically)
1. Max $1,000 payroll or gov't check per week.
2. Max 1 check cashed per week. (No two checks totally less than $1,000. Learned that the hard way.) If you forget to cash your check until Saturday morning then you can't cash next weeks check until Saturday morning. Very important to cash ASAP if you gotta use it for a number of weeks in a row.
3. Show a drivers license and enter your S.S.# into keypad.
4. They pay you whats on your check minus $3.00.
I was denied one time during Christmas when my check was $900 or so because of store activity. I came back the next day and they cashed it.
I would still use it if I needed more than my ATM would give me and my bank closed... and of course, I hadn't already deposited my check at my bank.