Check Cashing FAQs

Speedy Cash is more than just a payday loan lender. We provide a variety of services for your financial needs, including check cashing. Speedy Cash cashes a variety of types of checks in any amount from a variety of sources, including payroll checks, personal checks, government checks, money orders and cashier checks. Keep reading to learn more about our checking cashing services.

A: Rates to cash checks vary by market. Contact your local Speedy Cash for applicable rates in your state.
A: Speedy Cash has stores in cities all over the country. To find the nearest Speedy Cash, visit our store locator page.
A: Check cashing services at Speedy Cash are a great alternative to cashing a check at a bank. We cash a variety of checks including personal checks, employment checks, government checks and money orders.
A: If you don’t have a bank account, stop in to one of our stores and a helpful Speedy Cash representative can help with our check cashing services. We’ll just need to verify your identification, the check, who wrote it, the amount and ensure that the check has not been altered in any way. There is a minimum $2 fee for check-cashing and our rates vary by location.

Speedy Cash is always willing to work with you to help you get the most cash out of your check. Whether it’s a payroll check, government check, personal check, money order or any other type of check, your local Speedy Cash team is here to help you! Find the closest check cashing store location to you for quick and reliable check cashing services!
A: If you're wondering where to cash personal checks without going through the hassle of traditional banks, look no further than your local Speedy Cash store! Speedy Cash offers excellent Customer Service and is willing to work with Customers to ensure a fair fee that's competitive against other check cashing services.

You can cash your check and put your funds on a prepaid opt+® Visa® debit card (a prepaid card exclusively offered by Speedy Cash), so you don't have to worry about carrying large sums of money. You can even arrange for your paychecks to be automatically deposited to your prepaid opt+® Visa® card. And if the check you just cashed isn't quite enough to cover the bills you need to pay at home, our helpful staff can walk you through our various loan programs to help you get the cash you need!
A: To cash a check at Speedy Cash, there are a few things you need to bring with you to the store. You will need to provide identification and your check to take advantage of Speedy Cash check cashing services.
A: Speedy Cash stores are easily accessible and offer fast check cashing services. Simply swing by a Speedy Cash store when you are ready to cash your check. Visit our store locations page to find a Speedy Cash near you.
A: Speedy Cash currently only cashes checks in stores. Find out more about check cashing services or locate a Speedy Cash store near you.
A: Rates to cash a check at Speedy Cash are competitive and vary from location to location. We never let a good check walk out the door and are willing to work with you to ensure you get the most cash from your check.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

In 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

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.

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.

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: Free 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 is a trademark of Google Inc. 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.