In case you do not have a bank account at your disposal, or for some reason you have it blocked and you are looking to cash a check for sure, you have heard of Check cashing services. This specialized service cashes checks for a fee that depends on the service.
This is a really useful option for people who don’t have access to an account or who have had financial problems in the past. So if you have ever wondered, “Is there a check cashing near me open now?” we will give you the proper answer to your uncertainty.
Check Cashing near me in Philadelphia
Among the Check Cashing centers we present you in Philadelphia we find a selection of ten options that will assist you in the following areas: bill payment, business check cashing, installment loans, money orders, and more.
[wpdatatable id=266]Check Cashing nearest me in Dallas
In Dallas, we also made a selection of ten places to cash your checks. The special feature is that some of them are open 24 hours a day to serve you, even in check cashing emergencies.
[wpdatatable id=267]Best check cashing near me in the United States
Each check cashing service has its policies, including fees. It is, therefore, essential for each service to clarify what the policy they work with is before delivering our checks. Thus ensuring that this offer is the best in comparison to others available in the area.
Money Express Check Cashing Center
📍 Address: 108 E Lake St Minneapolis, MN ✆ Phone Number: (612) 824-2274 🌐 Website: https://locations.cfsc.com/cfsc-new-money-express-4f511e0b2f68
California Check Cashing Stores
California Check Cashing Stores is a service of stores spread throughout the San Francisco area characterized by their 24/7 check cashing capabilities. This has made them a popular location in the area where dozens of unbanked people come daily to cash checks.
📍 Address: 1098-B Market San Francisco, CA ✆ Phone Number: (877) 237-1540 🌐 Website: https://www.ccfi.com/
Payomatic
Payomatic is a service that specializes in fast check cashing for a small fee. In their business they aim to make the service feel like a bank, taking and accelerating processes that would otherwise take time away and delay your day.
📍 Address: 590 8th Ave New York, NY 10018 ✆ Phone Number: (212) 719-2115 🌐 Website: https://www.payomatic.com/stores/ny/New-York/590-8th-Ave/308/
ACE Cash Express
ACE Cash Express seeks to provide a solution to any kind of financial inconvenience you may have, including cashing checks to cash. They offer a fee-based cashing service not only for cashing checks but also for zip codes and even pawning items.
📍 Address: 461 Ponce De Leon Ave NE Atlanta, GA 30308 ✆ Phone Number: (404) 888-0890 🌐 Website: https://www.acecashexpress.com/locations/georgia/atlanta/816
Check Into Cash
Established in 1993, Check Into Cash is a check cashing chain that offers a specialized and secure service. Considered one of the national leaders in this field, they present the ability for anyone to cash a check under their service.
📍 Address: 1812 E 165th St Hammond, IN 46320 ✆ Phone Number: (219) 800-4102 🌐 Website: https://local.checkintocash.com/us/in/hammond/1812-165th-street-suite-a/
Rapid Cash
Las Vegas is the city of money, and that’s what Rapid Cash relies on for its check-cashing cash withdrawal service. For a fee depending on the total amount of the check to be cashed, in a 24-hour cashing format.
📍 Address: 2710 S Maryland Pkwy Las Vegas, NV 89109 ✆ Phone Number: (725) 696-7514 🌐 Website: http://www.speedycash.com/find-a-store/nevada/las-vegas/maryland-and-karen/
Advance America
Advance America is one of those locations that not only focuses on check cashing but also on all kinds of economic activities. Thus being an ideal option in the area to get cash for a set fee.
📍 Address: 2602 E Fletcher Ave Tampa, FL 33612 ✆ Phone Number: (813) 631-8289
Check Cashing USA
Check Cashing USA in the Miami area is a check cashing center where a percentage fee is charged in exchange for providing the total amount in cash. Thus, they are an option to consider when you do not have a bank account available.
📍 Address: 6356 SW 8th Street Miami, FL 33144 ✆ Phone Number: (305) 262-3801 🌐 Website: https://www.checkcashingusa.com/
How many check cashing businesses are there in the United States?
It is somewhat complicated to get an exact number of check-cashing businesses open in the United States because the industry is in constant change. This is due to the annual opening and closing of different companies that offer this service throughout the nation. What does complicate the analysis, however, is that this is a business that is on the rise and that delivers results.
We are talking about a financial industry that generates billions of dollars in revenue each year. This is because these businesses are typically located in urban and suburban areas where thousands of people without access to a bank account can take advantage of them.
Likewise, in recent years these types of services have been on the rise due to the ever-increasing demand. This is because more and more people are leaving traditional bank accounts aside or simply prefer not to have one open in a functional way.
How much does it cost to cash a check?
While the costs for using a check cashing service may typically stay within a set range, they can change depending on the provider and the state. The average fee itself will be based on the state laws that these entities must follow, generally ranging from 1% to 12% of the value of the check.
So for a $1000 check, the standard fee would be from $10 to even $120 for giving you the entire check’s worth in cash. However, according to the Consumer Federation of America, the national average percentage is set at 4.1% of the total amount of the check. However, it should be clarified that in certain cash exchange companies, the policies could vary according to the total amount of the check.
Thus, many retailers tend to be more reasonable about what they will charge for cashing a check in full. Larger companies, as is the case with Walmart, present their check cashing policies with a set amount that will not depend on a percentage. A technique that at a certain point could be very favorable to the person who the intention to cash the check.
What are the alternatives to cashing checks?
If you are not convinced about having to pay a percentage for the cashing of a check, you will have several alternatives to these services that could help you especially if you are looking to avoid paying high fees for the entire check.
One of these options could be to open a bank account, which would directly give you access to free check cashing services. In some cases, they even offer lower and personalized rates if you are looking for something different from traditional banks. Such is the case with credit unions, which are another option to consider.
Another option is to ask the check writer if they can provide cash in lieu of a check. This may not always be possible, but it is worth asking in an effort to take check cashing a step further. Finally, some employers offer payroll cards that can be used as debit cards to access wages without the need for a bank account or check-cashing service.