United Check Cashing- Everything You Need To Know In 2024

United Check Cashing Services cashes almost all types of checks except starter checks. They charge a 2% fee for check cashing.  

In case, you don’t have a bank account then United check cashing can be a good choice for cashing checks. Because there is a high limit and they accept almost all types of checks. But how do I cash checks at United Check Cashing? 

Don’t worry, in this post, I’ll talk about United Check Cashing in detail. Moreover, I’ll also provide a United check cashing fee chart, requirements, and everything related to them. 

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Can I cash a check at United?

united check cashing

Yes, you can cash almost any type of check at United Check Cashing for a fee. 

United Check Cashing is a pioneer in the check cashing industry with over 1000+ locations nationwide. They are open seven days a week, so you can cash your checks even on weekends. 

United check cashing stores were founded so that people with no bank account can easily cash checks. Although, the fees can be high compared to grocery stores. However, they accept a wide range of checks and there is a high limit. So, what type of checks does United Check Cashing accept? 

What Type Of Checks Does United Check Cashing Accept? 

United Check Cashing accepts almost all types of checks except starter checks. Here is a list of checks that United Check Cashing accepts

  • Personal Checks
  • Payroll Checks
  • Cashier’s Checks
  • Commercial Checks
  • Government Checks
  • Insurance Checks
  • Rebate Checks
  • Traveler’s Checks
  • Refund Anticipation Loan Checks
  • Money orders

However, acceptance of certain checks might vary depending on your state. But what about the check cashing requirements? 

United Check Cashing Place Requirements 

Unlike grocery stores, United check cashing has little or no requirements for cashing checks. However, the United check cashing store still requires an ID. Here is a list of IDs they accept 

  • US issued Passports 
  • State ID Card 
  • Driver’s License 
  • Military ID
  • Tribal ID cards
  • Resident Alien ID

Although, United check cashing does not ask for SSN or ITIN. However, they might ask for Individual Taxpayer Identification Number Or Social Security Number if you cash a check larger than $5,000. 

Moreover, some United check cashing stores might also accept your Workplace ID card or College ID for cashing checks. 

United Check Cashing Fees

Most United Check Cashing stores are franchises. So, fees will differ from store to store. However, for most checks, the fee is either 2% of the check amount or less. Here is a chart of fees for different checks in the United Check cashing place 

Check TypeFee
Personal Checks3%-5%
Payroll Checks1.75%- 2%
Cashier’s Checks2%
Commercial/ Business Checks2% 
Government Checks1.5%-2%
Insurance Checks2%
Rebate Checks2%
Traveler’s Checks2%
Refund Anticipation Loan Checks1.5%-2%
Money orders2%

As we can see most checks have either a 2% or less. However, personal checks have a much higher fee. Because the risk of cashing personal checks is higher than other checks. So, not all United Check Cashing stores will cash personal checks.

On the other hand, depending on the state law and store owner the check cashing fees might increase or decrease. Moreover, United check cashing also offers check cashing services to small businesses on a subscription basis

How To Cash Checks At United Check Cashing Store

Cashing a check at a United Check Cashing Store is quite straightforward. Here is how to do it

  • Go to the Counter and tell the staff what type of check you want to cash. 
  • Provide the Check along with an ID. 
  • Let the staff verify your check. This might take some time. 
  • After verification, you will receive the check amount in cash. 

Keep in mind that, for most checks except government, United check cashing will first find out if the payer account has enough balance or not then clear your check. So, in case the check bounces, you will still be charged a fee. 

United Check Cashing Hours

All United Check Cashing Shops are open 7 days a week. So, they can help you cash checks any day. However, the store operating time will vary depending on your location. 

As most United Check Cashing shops are franchises. So, the check-cashing hours will depend on the franchisee owner. So, you will find different check-cashing hours in different stores or locations. 

United Check Cashing Limit

The best thing about United check cashing is that the limit for any type of check is higher than $5,000. As a result, if you have a high amount check and do not have a bank account then you can easily cash it to United Check Cashing. 

But some locations of United Check cashing might not accept personal checks higher than $5,000. 

United Check Cashing Near Me

Most United Check cashing stores are located near the southeastern part of the United States. However, you can find United check cashing in other parts of the United States too. Here is a store locator for United Check Cashing Near Me

By now we have found out most details on united check cashing. Now, let’s have a look at some of the related queries. 


Here are some of the frequently asked queries related to this topic. 

Does United Check Cashing Buy Gift Cards?

Yes, apart from cashing checks United Check Cashing also purchases unused gift cards, coupons, and tickets. There is no fee but the purchase price will vary depending on your location. Moreover, they also purchase Jewelleries and provide payday loans.  

Can You Send Money Using Untied Check Cashing?

Yes, United Check cashing is a Western Union agent. So, you can send money to both home and abroad at United Check cashing. The money transfer fees ranges between $5 to $12.50. Moreover, they also sell and cash money orders too. 

Do Albertsons cash checks?

Yes, Albertsons cash checks at all of their locations. However, they only accept payroll and government checks with a $1,000 limit. The fees for cashing checks at Albersons will vary depending on your location. 

In Summary

United check cashing is a great place for cashing checks in case you do not have a bank account. However, the fees at United check cashing is much higher than most grocery stores. So, it is suggested to only cash checks at United check cashing when you have a higher check and no other options. 

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