Check Cashing Services Near Me of June 2024

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Check cashing is a financial service that allows individuals to convert checks into cash without needing a bank account. This service is typically used by those who are unbanked or underbanked, meaning they either do not have a bank account or rely on alternative financial services despite having an account. To cash a check, a person visits a check cashing store, presents their check and a valid identification card, and receives cash immediately after paying a fee. This fee varies by provider and can range from a minimal amount to a percentage of the check’s value.

Check cashing services are offered at various locations, including dedicated check cashing stores, major retailers, and some grocery stores. These services are particularly useful for cashing payroll checks, tax refund checks, government checks, insurance settlement checks, and personal checks. Unlike banks, which may impose a waiting period before the funds from a check are accessible, check cashing services provide immediate access to cash.


  1. Wide Range of Check Types Accepted. Check cashing services accept various types of checks, including payroll checks, tax refund checks, government checks, insurance settlement checks, and personal checks. This flexibility makes it a versatile option for many individuals.

  2. Convenient Locations. Check cashing services are widely available at dedicated stores, major retailers, and grocery stores. This widespread availability ensures that individuals can easily find a location to cash their checks, even in areas with limited banking options.

  3. Extended Business Hours. Many check-cashing stores offer extended business hours, with some locations open 24/7. This provides greater convenience for individuals who need to cash checks outside of regular banking hours.

  4. Fee Disclosure. Check cashing services are required to disclose their fees upfront. While the fees can vary widely, customers are informed about the cost before completing the transaction. This transparency helps individuals make informed decisions.

  5. Additional Financial Services. Besides cashing checks, many check-cashing stores offer other financial services such as money orders, prepaid cards, bill payments, and payday loans. These additional services can be beneficial for individuals who need various financial transactions handled in one place.

Pros and Cons


Immediate Access to Cash. Check cashing services provide cash immediately upon presenting a check and valid identification. This eliminates the waiting period typically associated with banks, where funds may not be available for several days.

No Bank Account Required. One of the primary benefits of check cashing services is that they do not require individuals to have a bank account. This makes it an accessible option for those who either cannot or choose not to maintain a bank account.

Availability for Unbanked and Underbanked. These services cater to individuals who do not have a bank account (unbanked) or those who have a bank account but still rely on alternative financial services (underbanked). This is crucial for those who might be unable to open a bank account due to past financial issues.


High Fees. Check cashing services often charge significant fees, which can range from a small flat fee to a percentage of the check amount. These fees can add up, reducing the overall amount of money received.

Security Risks. Walking away with cash can pose a security risk, as carrying large amounts of money increases the chance of theft or loss.

No Federal Protection. Unlike banks, check cashing services are not insured by the FDIC. This means that customers do not have the same level of protection and recourse if something goes wrong with their transaction.

How to Get Check Cashing Services

Apply for a loan

  1. Find a Check Cashing Store or Retailer. Begin by locating a nearby check cashing store or retailer that offers check cashing services. These establishments can include dedicated check-cashing stores, major retailers, grocery stores, and convenience stores.

  2. Gather Necessary Documents. Before heading to the check cashing location, ensure you have the required documents. Typically, you'll need a valid form of identification, such as a driver's license, state-issued ID card, or passport. Some places may also require additional identification or documentation, so it's best to call ahead or check their website for specific requirements.

  3. Endorse the Check. Sign the back of the check in the designated area just before cashing it. This endorsement signifies that you are authorizing the check to be cashed or deposited.

  4. Visit the Check Cashing Store. Bring your endorsed check and identification to the chosen check cashing location. Once there, you'll be assisted by a cashier or representative who will guide you through the process.

  5. Pay the Required Fee. Check cashing services typically charge a fee for their convenience. The fee may be a flat rate or a percentage of the check amount. Be prepared to pay this fee at the time of cashing the check.

  6. Receive Your Cash. Once your identity is verified, and the fee is paid, you will receive your cash immediately. Unlike traditional banks, which may impose a waiting period for funds to clear, check cashing services provide instant access to cash.


  1. Valid Identification. Borrowers must present a valid form of identification, such as a driver's license, state-issued ID card, or passport, to verify their identity.

  2. Endorsed Check. The check must be properly endorsed by the borrower before it can be cashed. Endorsing the check involves signing the back in the designated area.

  3. Verification of Identity. Check cashing services verify the borrower's identity using the presented identification documents to ensure they match the information on the check.

  4. Fees and Costs. Always inquire about the fees for cashing your check. These fees can vary significantly depending on the type of check and the amount. For example, fees can range from a flat fee of $1 to a percentage of the check amount, such as 2%.

  5. Compliance with Regulations. Borrowers must adhere to all applicable regulations and guidelines governing check cashing transactions, including providing accurate information and complying with anti-money laundering laws.


  1. Immediate Access to Cash. Check cashing services provide instant access to cash upon presenting a valid check and identification.

  2. Flexible Hours. Many check-cashing stores offer extended business hours, with some locations open 24/7, providing convenience for customers with varying schedules.

  3. Wide Range of Accepted Checks. Check cashing services accept various types of checks, including payroll checks, tax refund checks, government checks, insurance settlement checks, and personal checks.

  4. Transparent Fee Structure. Check cashing services disclose their fees upfront, ensuring customers are aware of the cost before completing the transaction.

  5. No Bank Account Required. Individuals can utilize check cashing services without having a bank account, making it accessible to those who cannot or choose not to maintain traditional banking relationships.

Ways to Get the Money

  1. Cash Payment. The most common method of receiving funds from a check cashing service is in cash. Upon verification of identity and payment of applicable fees, customers are handed the cash equivalent of the check amount immediately.

  2. Prepaid Debit Card. Some check cashing services offer the option to receive funds on a prepaid debit card. Customers can choose to load the funds onto a prepaid card provided by the service, which can then be used for purchases or ATM withdrawals.

  3. Money Order. In certain cases, customers may opt to receive the funds in the form of a money order. This is particularly useful if the customer needs to send money through the mail or make a payment that requires a money order.

  4. Cashier's Check. In situations where customers need a secure form of payment, such as for large purchases or to guarantee funds, they may request to receive a cashier's check from the check cashing service. This ensures that the funds are guaranteed by the issuing institution.

Best Places to Get Check Cashing Nearby

  1. Moneytree offers check cashing services with a straightforward fee structure. They charge 2.99% of the check amount, plus an additional $2.49 fee for checks over $20. This makes Moneytree a viable option for those needing to quickly convert their checks into cash without dealing with the complexities of a traditional bank.

  2. Amscot employs a tiered fee system for cashing local payroll checks, starting at $3 and going up to $14.95 for checks just under $1,000. For checks exceeding $1,000, the fee is 2% of the check amount. This tiered approach allows Amscot to cater to a variety of check sizes, providing flexibility for its customers.

  3. PLS offers a competitive fee structure for in-state payroll checks and government benefit checks, charging 1% of the check amount plus $1 for checks up to $1,000. Fees for other types of checks vary. PLS aims to provide a cost-effective solution for cashing checks, particularly for those with payroll and government checks.

  4. United Check Cashing serves consumers seeking an alternative to traditional banks, offering a professional and welcoming environment. Customers can get instant cash for a variety of checks, including payroll, government, tax refunds, and insurance checks. There are no holds while waiting for funds to clear, making the process fast and convenient. United Check Cashing prides itself on providing reasonable rates and easy access to cash without needing a bank account.

Things to Pay Attention To

  1. Identification Requirements. Ensure you have a valid form of identification, such as a driver’s license, state-issued ID card, or passport. Some check cashing stores may require two forms of ID. Be prepared for the service to verify your identity thoroughly, which might include checking the details on the check against your ID.

  2. Service Limitations. Verify which types of checks the service accepts. Some may not cash personal checks or may have different fees for different check types. Check for any limitations on the amount that can be cashed in a single transaction. Some stores may have a maximum limit, particularly for personal checks or two-party checks.

  3. Additional Services. Consider if the store offers additional financial services that might be useful, such as prepaid debit cards or money orders. Some check-cashing stores also offer bill payment services, which can be convenient if you need to pay bills immediately after cashing your check.

  4. Operating Hours. Check the store’s operating hours. Many check-cashing stores offer extended hours, including evenings and weekends, which can be convenient if you need to cash a check outside of regular banking hours.

  5. Service Reputation. Look for reviews and ratings of the check cashing service to ensure they have a good reputation for customer service and fair practices. Ensure the service complies with local and federal regulations, providing a secure and legitimate transaction process.

How to Repay Check Cashing Services?

  1. Understand Your Repayment Terms. Carefully read the terms and conditions of your loan agreement. Pay attention to the repayment schedule, interest rates, and any fees or penalties for late payments.

  2. Know the Due Dates. Make a note of all due dates for your repayments. Ensure you have a clear understanding of when each payment is expected to avoid late fees.

  3. Set Up Automatic Payments. If your check cashing service offers automatic payment options, consider enrolling. This can help ensure that payments are made on time, directly from your bank account. Some services may allow repayments to be made via a prepaid debit card, which can be set up for automatic deductions.

  4. Make Manual Payments. You can repay the amount owed by visiting the check-cashing store in person. Bring the required amount in cash or use a debit card if the store accepts it. If the service offers an online portal, log in to your account to make a payment. This can be done via a bank transfer, debit card, or another approved method.

  5. Pay by Phone. Some check cashing services allow you to make payments over the phone. Call the customer service number provided by the service and follow the instructions to make your payment.

  6. Mail Payments. You can send a check or money order via mail to the address provided by the check cashing service. Make sure to include your account number and other required information to ensure your payment is correctly applied.

  7. Mailing Time. Allow sufficient time for your payment to arrive before the due date to avoid late fees.

Reasons for Getting Rejected for Check Cashing Services

  1. Insufficient Identification. Most check cashing services require valid identification to verify your identity. If you don't have a government-issued ID, such as a driver's license or passport, your check may be rejected. Even if you have an ID, it must be current. Expired identification is generally not accepted.

  2. Unacceptable Check Types. Some check cashing services do not accept personal checks due to the higher risk of insufficient funds. Checks made out to two people or endorsed over to a third party may be rejected because they are considered higher risk.

  3. Out-of-State Checks. Checks issued by banks from different states might be rejected due to the difficulty in verifying funds.

  4. Check Issues. If the check has any visible alterations, such as changes to the amount or payee name, it may be rejected. Checks that are more than six months old (stale-dated) are often not accepted. Checks dated for a future date cannot be cashed until the date on the check.

  5. Insufficient Funds. If the check issuer’s account does not have enough funds to cover the check amount, the check cashing service will reject it. Checks from accounts with a history of bounced checks may be flagged and rejected.


  1. Bank or Credit Union Accounts. Depositing your checks directly into a bank or credit union account is often free and provides access to additional services like online banking and debit cards. Many employers offer direct deposit, which automatically deposits your paycheck into your bank account, eliminating the need for check cashing. Banks and credit unions often offer mobile apps that allow you to deposit checks using your smartphone by taking a picture of the check.

  2. Retailers and Grocery Stores. Walmart offers check cashing services for a low fee. They charge $4 for checks up to $1,000 and $8 for checks over $1,000, with a maximum of $5,000 (or $7,500 during tax season). Kroger stores and their affiliates also cash checks for a small fee, usually less than $5 per check.

  3. Prepaid Debit Cards. Load your check onto a prepaid debit card at participating retailers or through mobile apps. These cards can be used like regular debit cards for purchases and ATM withdrawals. Some prepaid cards allow you to reload funds through direct deposit, making it a useful option for regular income streams like paychecks.

  4. PayPal and Other Digital Wallets. Deposit checks via PayPal’s mobile app by taking a photo of the check. Funds can be used for online purchases, transferred to your bank account, or withdrawn at ATMs with a PayPal debit card. Services like Venmo or Square Cash also allow mobile check deposits, providing quick access to funds.

Editorial Opinion

Check cashing services play a significant role in providing financial accessibility to individuals who are either unbanked or underbanked, offering a convenient and immediate solution for converting various types of checks into cash. While these services meet an essential need, especially for those without traditional banking access, they often come with high fees that can be burdensome, particularly for low-income users. The debate on check cashing services hinges on balancing the necessity and convenience they provide against the financial cost and potential for perpetuating a cycle of dependency on costly financial products.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional resources


Where can I cash my check without a bank account?

For individuals without a bank account, there are several options to cash checks. Check cashing stores are a primary choice, offering services to cash various types of checks, including payroll checks, government checks, tax refund checks, and personal checks. Retailers such as Walmart and Kmart also provide check cashing services for a nominal fee. Additionally, some grocery stores and major supermarkets offer these services at their customer service desks. Another option is to use prepaid card services, which allow you to load the check amount onto a card and access cash through ATMs or retailers participating in the card's network.

Where is the easiest place to cash a check?

The easiest place to cash a check often depends on convenience and accessibility. Major retail chains like Walmart are a popular choice due to their widespread locations and extended hours, which make it easy to cash checks outside regular banking hours. These retailers typically offer straightforward check-cashing processes and charge relatively low fees. Additionally, dedicated check cashing stores are designed to provide quick and hassle-free services, making them another convenient option for those who need immediate access to funds.

Can you cash a check at Walmart?

Yes, you can cash a check at Walmart. Walmart offers cashing money services at their customer service desks or MoneyCenters. They accept a wide range of checks, including payroll checks, government checks, tax refund checks, cashier's checks, and insurance settlement checks. The fees are relatively low, with a maximum fee of $4 for checks up to $1,000 and $8 for checks over $1,000. Walmart's extensive network of stores and convenient hours make it an accessible option for many individuals looking to cash their checks without a bank account.