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Check Cashing

Bummed by banks? Check cashing as
low as $2.
find a store

Bring your check to any store, leave with cash the same day.*

*Subject to verification and cash limits.
find a store

Bring your check to any store, leave with cash the same day.*

*Subject to verification and cash limits.
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NO Holding Period*

Our check cashing process is simple, streamlined, and hassle-free.

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Get cash instantly*

No need to wait for funds availability. Cash, meet hand.

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Open evenings and weekends

Don't let traditional banking hours limit your busy lifestyle.

*Subject to verification and cash limits.

How to cash a check:


Visit a store
Go to your nearest Speedy Cash check cashing store.


Provide valid ID

We'll verify your identification, the check, who wrote it, and the amount.


Get cash

You'll usually get your cash the same day without the hassle of holds.*

*Subject to verification and cash limits.
find a store

We cash all types of checks!

  • Checked

    401K and IRA checks

  • Checked

    Bank drafts

  • Checked

    Benefit checks

  • Checked


  • Checked

    Cashier's checks

  • Checked

    Government checks

  • Checked

    Insurance checks

  • Checked


  • Checked

    Money orders

  • Checked

    Payroll checks

  • Checked

    Personal checks

  • Checked


  • Checked

    Stimulus checks

  • Checked

    Student loans

  • Checked

    Tax refunds

  • Checked

    Unemployment checks

Don’t see your type of check listed or want to find a store?
Call a check cashing store near you to ask.

Competitive rates

Concerned about the fee? We'll work with you to ensure a fair fee compared with other local check cashing services. Our rates vary by location and type of check. Typically we charge 2-2.5% of the check amount to cash payroll and government checks. The minimum check cashing fee is $2.

Why Speedy Cash?

If you don't have a bank account, you’re not alone—over 7 million U.S. households don't. We're here for you and all your check cashing needs. We offer excellent Customer service, hours that work for busy schedules, and same day cash.*

*Subject to verification and cash limits.

Where can I find check cashing near me?

Call us at 1-866-91-MONEY to find a store or
use our online store locator tool.
find a store

Need a little more money?

Check out our easy loan options in your state.

Select Your State

Check Cashing Help Center

Loan Products

  • Payday Loans
  • Installment Loans
  • Payday Loans Online
  • Title Loans
  • Line of Credit
  • Online Loans
  • Cash Advance Loans
  • Fast Cash Loans
  • Loans by Phone
  • Funding Times
  • Payday Advance
  • Short Term Loans

Store Services

Contact Customer Service


Axiom Cardholders

Metropolitan Cardholders

Refer to your card to determine your issuing bank.

© 1997-2021 Speedy Cash. All Rights Reserved. 3615 N Ridge Rd. Wichita, KS 67205

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.