Check Cashing Stores in Florida

If you are searching for check cashing in Florida, then you’ve come to the right place.

We’ve created a handy directory of check cashing places in Florida so you can find one near you. In fact, today there are even apps linked to prepaid debit cards that allow you to cash your check to the card and then use a nearby ATM to withdraw the money.

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Most people in Florida cash their checks at the bank and think nothing of it. Still, small though a significant portion of the population are what are known as unbanked and underbanked and do not have access to such facilities. Where do they turn when they need to cash a check?

The good news is Florida is home no many check cashing services that allow anyone with ID to cash their check and receive the money right away in cash.

These check cashing stores might be dedicated to check cashing, part of a larger loan and financial store, or even part of the services provided by retail outlets like Kmart.

First, let’s focus on traditional check cashing methods, their pros, cons, and how you can easily get started.

Why do people need check cashing services?

Despite the modern world tending to move away from checks, there are many employers and other entities that still issue checks. In fact, if you are unbanked, a check might be the only way you can receive your wages if they can’t give you cash directly.

Perhaps you’d usually cash your check at the bank but need the money quickly and there isn’t a branch of the bank nearby. A check cashing service is ideal in this situation.

Types of checks include everything from payroll (your wages), insurance pay-outs, tax refunds, gifts from friends and family, or business-related checks.

How does check cashing work in Florida?

Like most states, check cashing in Florida is relatively simple. Just take the check to the cashier, endorse/sign for it, they’ll do some verification checks, and if all is above board, you’ll get cash in hand.

Note: Because there is a level of risk for a cashier, you will be charged a fee that will come out of the cash you receive. This can vary based on the policies of the store, but local Florida state law has some limitations to protect your payroll checks.

Some check cashing stores will offer a membership program by which they verify your identity once, issue you a personal ID card, and you can then cash checks quickly at the same store just by showing said ID. Legally you should only be charged once for membership.

Florida check cashing laws

Check cashing is governed by federal and local Florida state law under the Florida Office of Financial Regulation. The check-cashing store must be licensed under Chapter 560.1401 or the Florida Statutes. This legislation stipulates that all check cashing stores must clearly display the forms of ID required to accept your check, as well as a breakdown of the fees associated. You must agree with all before endorsing the check.

In Florida, you can be charged no more than 5% of the check’s value (6% without ID) or $5 – whichever is highest if you’re cashing in your wage check.

If you are cashing a state public assistance check or federal Social Security check, it’s 3% (or 4% without ID) or $5 (whichever is highest).

Personal checks or money orders can come with higher fees up to 10% as per Statutes § 560.309.

Of course, these fees are higher than at a bank, but in most cases, those using the service do not have a bank account. The benefit is that you get the cash right away while it can take days for checks to clear at a bank account.

For example, if you are cashing a $300 check from a friend, the most you can be charged in fees is $30, though it will often be lower as different stores try to offer the best service to remain competitive.

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Check cashing alternatives in Florida

If you are unbanked in Florida, there are a few alternatives that will also allow you to cash your checks. The main one is a credit union, which is a bank and financial services group owned and operated by members of the community.

This could be purposefully to benefit the less well off or as an endeavor of a group or club who want to work together and help each other out.

They usually have lower fees and less stringent checks than banks, but they are not as common, and you might not have one near you or one where you meet their requirements. For example, some credit unions are reserved for employees of the same company.

Online banks are also on the rise allowing you to deposit checks via an app and make transfers without ever having to go to a physical bank branch.

Our check cashing directory

Below our directory of check-cashing services is fully vetted to ensure they are licensed and accredited to provide check cashing in Florida.

Many will also offer other financial services such as payday loans, currency exchange, and more. Simply browse through to find a solution that suits you or use our tool and we’ll attempt to connect you in a matter of minutes.

The good news is that your credit history has no bearing on your ability to be accepted to cash a check as all US citizens have the right to such banking facilities.

However, if you use another service such as payday loans you may face a credit check, even if those with bad credit are routinely approved by lenders.

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