United Check Cashing Fees Detailed (Money Orders, Payroll Checks, etc)

United Check Cashing offers the convenience of cashing checks without requiring customers to have a bank account. Check cashing fees are based on the type of check, check amount, and each state’s regulations. For more information on United Check Cashing fees and other services available, see below.

United Check Cashing Fees Explained

Check cashing fees at United Check Cashing vary by state, but, in general, they are about 2% of the check amount, customer service representatives said. Types of checks that can be cashed at United Check Cashing include payroll, government, insurance, commercial, and rebate checks. Checks are verified prior to being cashed to ensure the availability of funds at the bank they originated from.

Below is the list of check cashing fees at United Check Cashing by check type. Since many fees vary based on state regulations, contact your local United Check Cashing for more specifics or call United Check Cashing’s customer service line at (800) 626-0787.

Cashier’s Checks

Fee: The average fee is 2% of the check amount, but fees may vary in accordance with your state’s laws.
Requirements: All checks must be accompanied by a valid government-issued photo ID.

Commercial Checks

Fee: Fees are determined by state but are usually about 2% of the check amount.
Requirements: The check stub must be attached and a valid government-issued photo ID must be shown.

Government Checks (e.g., Tax Refund Checks, Benefit Checks)

Fee: The average fee is 2% of the check amount, but fees may vary in accordance with your state’s laws.
Requirements: The check stub must be attached and a valid government-issued photo ID must be shown.

Insurance Checks

Fee: Fees vary by state but, in general, are about 2% of the check amount.
Requirements: The check stub must be attached and a valid government-issued photo ID must be shown.

Money Orders

Fee: Fees vary by money order brand, but, in general, are about 2% of the money order amount.
Requirements: You must show a valid government-issued photo ID.

Payroll Checks

Fee: Fees vary by state; rates can range from 1.75 to 2%.
Requirements: The check stub must be attached and a valid government-issued photo ID must be shown.

Personal Checks

Fee: Fees vary by state and on the risk assessed on each individual check; average fees may be higher than for other types of checks.
Requirements: All checks must be accompanied by a valid government-issued photo ID.

Rebate Checks

Fee: In general, fees are 2% of the rebate amount.
Requirements: You must show a valid government-issued photo ID.

Traveler’s Checks

Fee: Fees vary by state, but, in general, are about 2% of the check amount.
Requirements: All checks must be accompanied by a valid government-issued photo ID.

Other Services Available at United Check Cashing

Besides check cashing, United Check Cashing offers a variety of money services. Below, we have the list of services and the associated fees.

Coin Counting

Description: Bulk coins can be turned in and counted in exchange for the cash amount.
Fee: Fees vary by location; coin counting is not available at every location. Contact your nearest United Check Cashing for availability and fee information.

Copy and Fax

Description: Documents can be copied and faxed for a fee.
Fee: Copies are about $0.35 per page. Local faxes cost about $2 for the first page and $1 for each additional page. All other faxes cost about $3 for the first page and $2 for each additional page.

Electronic Bill Payment

Description: Pay your bills through a money transfer. Payments process in about two days.
Fee: Fees are about $2.50 per payment transaction.

Gift Card Buying

Description: United Check Cashing buys unwanted entertainment, restaurant, and retail gift cards in exchange for cash.
Fee: There is no fee; the amount of cash given in exchange for your gift card will vary depending on the gift card.

Jewelry Buying

Description: United Check Cashing buys gold, silver, and platinum jewelry. A free appraisal is offered; customers are not obligated to sell.
Fee: There is no fee; the offer amount will vary based on the appraisal.

Money Orders

Description: Money orders can be purchased (and cashed, as noted above).
Fee: Money order fees are $0.69 per order. Fees are subject to change and may vary by location.

Money Transfers

Description: Money transfers can be used to send or receive money.
Fee: Money transfer fees range from $5 to $12.50 based on the amount being transferred.

Notary Services

Description: For documents that need to be legally notarized, a notary public is available.
Fee: Fees vary by location; notary services are not available at all United Check Cashing locations. Contact your nearest United Check Cashing for availability and fee information.

Payday Loans

Description: Payday loans are available in Colorado, Delaware, Florida, and Ohio. You must be at least 18 to apply.
Fee: Fee and interest rates are determined during the application process.

Prepaid Debit Cards

Description: Prepaid debit cards can be loaded with any amount.
Fee: There is a $10 purchase fee.

Stamps

Description: Postage stamps are available for purchase.
Fee: Stamps are available for $0.65 each.

Transit Passes and Tokens

Description: Bus and train passes and tokens are available for purchase.
Fee: Fees vary; this service is not available at all locations. Contact your nearest United Check Cashing store for availability and fee information.

In Summary

United Check Cashing fees vary based on the type of check, the check amount, and each state’s requirements. A variety of additional money services are also featured at United Check Cashing, including coin counting, electronic bill payment, and payday loans. For more information on check cashing, see our articles on check cashing fees by state and casher, Check ‘n Go’s fees, the U.S. Bank check cashing policy, the list of places that cash starter checks and how to cash a large check without a hold.