If you find that you are in need of check cashing services there are a few things you should know prior to using one. Many of the check cashers have very high fees so it pays to shop around.
If you are borrowing a personal check it is in your best interest to go to the bank that issued the check to cash it. You can do this even if you do not have an account with that bank. Some banks will charge a small fee to cash a check if you are not an account holder, but it is much less than a check cashing business. Check cashing companies charge very high fees to cash personal checks because of the risk for fraud. You may also find when cashing a personal check at one of these establishments that the process can take a long time. This is because they are verifying the validity of the check prior to cashing.
Payroll checks can be cased more easily at a check cashing business. There is a percentage charged for this service and it will be based on the amount of your check. Again, if your business banks at a local bank you may wish to take it there first. Another thing to keep in mind is that many grocery stores and some box stores will cash your payroll checks for a very small fee. They offer this service as a way to encourage you to spend money at their store.
Government checks can be cashed just about anywhere. Banks will charge a fee if you do not have an account. Check cashing outlets and grocery stores will cash these checks for a fee. Some post offices will also cash a US government check.