Chicago’s Top Check Cashing Services: A Comprehensive Review

Are you a Chicago resident in need of a trustworthy check cashing service? Whether you’re new to the city or just looking for the best option, you’ve come to the right place. In this comprehensive review, we’ll explore the top check cashing services in Chicago, Illinois, to help you make an informed decision.

Why Use Check Cashing Services in Chicago?

Check cashing services in Chicago play a vital role for those who may not have access to traditional banking services or need immediate access to funds. These services provide a quick and convenient way to cash checks, pay bills, and manage finances without the need for a bank account. They are especially valuable for people who receive paper checks, such as payroll or government assistance.

Criteria for Our Review

To identify the top check cashing services in Chicago, we considered several factors, including:

  1. Fees and Rates: The cost of check cashing is a significant concern. We evaluated the fees charged by each service to ensure transparency and affordability.
  2. Locations: Convenience is crucial, so we looked at the number and accessibility of service locations throughout Chicago.
  3. Customer Service: Friendly and efficient customer service can make your experience more pleasant, so we examined this aspect.
  4. Additional Services: Some check cashing services offer additional financial services, like money orders and bill payments. We noted these offerings as well.

Now, let’s dive into the top check cashing services in Chicago:

1. Check Into Cash

Fees: Check Into Cash offers competitive rates, with fees starting at 3%. They also offer a Preferred Customer Card that can help you save on fees over time.

Locations: With multiple branches throughout the city, Check Into Cash provides easy access for Chicago residents.

Customer Service: Customers praise their friendly and knowledgeable staff, making the experience hassle-free.

Additional Services: Check Into Cash provides additional services such as payday loans and prepaid debit cards.

2. PLS Check Cashing

Fees: PLS offers competitive rates, with fees starting at 1%. They are known for their transparent fee structure.

Locations: PLS has numerous branches in Chicago, making it convenient for most residents.

Customer Service: They are praised for their friendly and efficient customer service.

Additional Services: PLS Check Cashing also offers money transfers, bill payments, and prepaid debit cards.

3. Currency Exchange

Fees: Currency Exchange offers competitive rates, and their fees typically range from 1% to 2%.

Locations: With multiple locations across the city, Currency Exchange is easily accessible.

Customer Service: They are known for their helpful and accommodating staff.

Additional Services: In addition to check cashing, Currency Exchange offers a variety of financial services, including currency exchange, money orders, and utility bill payments.

4. Neighborhood Stores

Fees: Neighborhood Stores provide affordable check cashing services, with fees starting at 1.5%.

Locations: While not as widespread as some other options, they have locations in various neighborhoods throughout Chicago.

Customer Service: Customers appreciate their personalized service.

Additional Services: In addition to check cashing, Neighborhood Stores offer money orders and bill payments.

5. ACE Cash Express

Fees: ACE Cash Express offers competitive rates, with fees typically starting at 2%.

Locations: They have several branches in Chicago for convenient access.

Customer Service: Customers often highlight their friendly and helpful staff.

Additional Services: ACE Cash Express offers various financial services, including payday loans, bill payments, and prepaid debit cards.


Choosing the right check cashing service in Chicago is essential for your financial well-being. The top services we’ve reviewed all offer competitive fees, convenient locations, and excellent customer service. Depending on your specific needs and location, one of these options should suit you best.

Please keep in mind that fees and services may vary, so it’s always a good idea to verify the most up-to-date information with the service provider before making your choice.

Make an informed decision and enjoy the ease and convenience of check cashing services in Chicago, IL.