Convenience

• Check cashing places are conveniently located at many sites in most cities. With proper identification, practically anyone can cash a check immediately. In addition, most check cashing places have more convenient hours and are open longer on weekends than most major banks.
  
  

Bad Credit

• People who have mishandled bank accounts in the past are unable to open an account at most banks. Thus, their ability to cash checks is limited. Independent check cashing places serve customers who, for whatever reason, lack a bank account.
  
  

Fees

• Most check cashing places charge a service fee for cashing a check. Sometimes the service fee is lower than the monthly fee a bank charges to maintain an account. Thus, people who need only check-cashing service can benefit by not paying a monthly bank fee and using a check cashing place instead.
  
  

Cashing Different Types of Checks

• Many check cashing places will cash a wide variety of checks, including payroll checks, government checks and even personal checks. Even people without bank accounts can access their money, regardless of the type of check.
  
  

Short-Term Loans

• Many check cashing places also offer short-term loans against paychecks or government checks. This allows them to serve customers who need cash quickly in an emergency. However, these short-term loans may carry high interest rates.