All transfers/820 are sent by the US bank to each seller`s bank and the seller is responsible for retrieving this transfer from their bank. As of August 15, 2020[Update], Kroger operates 2,752 supermarkets and multi-department stores, either directly or through its subsidiaries.   Kroger`s headquarters are located in downtown Cincinnati.  It has markets in 35 states and the District of Columbia, with store formats including hypermarkets, supermarkets, supermarkets, department stores, and 170 jewelry stores (782 convenience stores were sold to the CE Group in 2018).   Kroger brand food stores are located in the Midwest and Southern United States. Kroger operates 35 food processing or production plants, 1,575 supermarkets, 2,258 pharmacies and 222 medical clinics at the Little Clinic.   Kroger Co. .