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Unread 10-15-2008, 05:16 PM
 
10,834 posts, read 12,970,237 times
Reputation: 3052
Default How do check cashing places work?

Will a check cashing place cash a payroll check drawn on a recognized NY bank? I know they charge a big fee but I called a place near my house and they told me they would have to verify my employer; another place (a more recognized check cashing chain in the area) said all i need is a govt id but that they ultimately couldn't guarantee the cash

I ask because i am starting to cash my checks due to immediate funds availability

Do they usually ask for a verification of employer? My employer is not a state or federal govt agency
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Unread 10-15-2008, 05:50 PM
 
Location: Central, NJ
1,895 posts, read 2,514,094 times
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Did you try the bank that the payroll check is coming from?
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Unread 10-15-2008, 06:31 PM
 
10,834 posts, read 12,970,237 times
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Default No it's too far

from me
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Unread 10-15-2008, 06:32 PM
YBF
 
Location: Atlanta, Ga
1,260 posts, read 1,913,393 times
Reputation: 553
get direct deposit
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Unread 10-15-2008, 07:03 PM
 
Location: Nassau, Long Island, NY
15,136 posts, read 14,199,665 times
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I agree with the suggestion to get direct deposit as the fastest way to get your pay. I am assuming your employer does not offer it.

As for check cashing places, they have to be careful these days because anyone with a laser printer and computer could print out what looks like a good check. You should make your first visit to a check cashing store during business hours so that they can call your employer and/or the bank the check is drawn on if they need to. From what I remember (and I haven't used them in a long time), they usually put your details (employer, etc.) in their system and/or give you a customer ID card for subsequent visits.
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Unread 10-15-2008, 07:12 PM
 
10,834 posts, read 12,970,237 times
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Default Sounds good

you explained it to me thanks
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Unread 11-30-2008, 11:35 PM
 
3 posts, read 10,136 times
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Can anyone with an inkjet printer and a computer print out what look like good checks, too? How? Thanks.
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Unread 12-01-2008, 01:30 PM
 
2,742 posts, read 4,577,325 times
Reputation: 483
Ekko, no. checks has water marks, no printer can do that, is part of the paper.

rlrl, if you have a bank account, they should give you the funds.
I never had problems with my check from another bank, if the bank is from NY the funds are available the when I deposit it.
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Unread 12-01-2008, 10:17 PM
 
Location: Queens
536 posts, read 1,424,657 times
Reputation: 157
I'm sure if you give them one bad check that gets by their teller you get blacklisted by all the check cashing places owned by the same guy and/or that share an information system.
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Unread 12-03-2008, 07:05 AM
 
Location: Living in Hampton, VA
499 posts, read 923,168 times
Reputation: 178
I think the check cashing fee is about 0.1 percent for example for a $500 check the fee is 5 Dollars.
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