No, you must have an ID to cash a check. States allow us to accept a variety of documents as a valid form of ID including:

• US Issued Passport
• State Issued ID
• Driver’s License
• Resident Alien ID
• Military ID
• Matricula Consular ID
• Tribal Nation or Reservation ID

There’s typically an expiration date printed on the check, but in most cases, personal or business checks are usually valid for 180 days or six months. It’s worth cashing a check as soon as you can after receiving it, just in case the account number changes or the sender spends the money on something else.

If you lose a check, you need to cancel it as soon as possible. Contact the person who issued the check to stop the payment so no one else can cash it. If you have written a check that you suspect has been lost or stolen, you need to contact your bank to see whether it has been cashed. If it hasn’t you should request them to stop payment.

The decision on whether you need to use a check or money order depends on what you’re trying to do and your financial circumstances. Some people may be hesitant to accept a personal check because the funds aren’t guaranteed. For things like bills, rent, or services, a money order may be the preferred choice.

Yes, a bank account is not necessary to cash a check. You can cash in your money at a Money Services Desk then load the value onto a prepaid card.

Cashing a check literally means changing a check into cash. You’ll be charged a fee to convert the check into cash that you can take away and spend as needed.

Check cashing with Money Services is simple and hassle-free, and we can accept checks up to the value of up to $5,000.

You can cash your check on Sunday at many Money Services locations. At Money Services, we find it important you have the freedom to cash your checks at a time and place convenient for you. That’s why many of our stores are open seven days a week and during most holidays, too. We are generally open from 8am-8pm, but operating hours may vary depending on your location.

With Money Services, many billers provide a confirmation number as proof of payment. However, you will need to contact your biller to check when your payment has been credited to your account, as we don’t have access to this kind of information.

The amount of time it takes your bill to post varies by biller. Some bills paid at Money Services post the same day the payment is processed and arrive with your biller almost immediately. Others can take up to three business days. Check with us at Money Services for delivery options on your specific bill.

Money Services associates do not have access to your account information, so if you want to check that your payment has been applied to your account, you’ll need to contact your biller directly.

Many billers provide a confirmation number on the receipt as proof of payment, which you’ll need to keep hold of in case you need to refer back to your bill at a later date.

If you need to contact your biller once you’ve paid your bill through Money Services and don’t know where to start, visit your billers website to find more details on how to get in touch with the right department.

The payment stub from the biller and cash or debit (limited billers allow checks for payment – checks are made payable to the BILLER, fees must be paid with cash or debit)

• If you have your account information memorized, you may complete a counter slip in the store
• If you are making a payment on your credit card bill, you must bring the credit card to the store

Loyalty cards are not required however fee discounts are offered when you use your card.

Yes. The easiest way to track your money transfer is to sign up for SMS alerts. This way you’ll receive a text notification when your funds have been paid out – message and data rates may apply. You may also visit your local Money Services Desk to request a status update (Western Union – MTCN is required to track, Ria – order number or PIN is required).

• If you’re transferring with Ria, you can track your money transfer using your order number or pin number. Just head to the website or download the Ria Money Transfer app. If you are using a prepaid phone, usage rates may apply.
• If your payment is through Western Union, you can track your money transfer using your MTCN on their website or app too. If you are using a prepaid phone, usage rates may apply.

Refunds depend on select circumstances, visit your local Money Services Desk to find out if your transaction may be refunded.

Yes, there are certain reporting requirements as part of the Bank Secrecy Act. Money transfers over certain thresholds, whether a single or multiple money transfers, may require additional customer information in order to process the money transfer.

The best way for you to send money will depend on how much you want to send, how quickly it needs to arrive, and how you want the funds to get there. Speak to our in-store team and they’ll be able to help you with your money transfer.

• Western Union – (800) 325-6000
• Ria – (844) 297-1287

No, to deposit a money order you’ll need to put your name on and endorse the money order.

Money orders can be replaced if they are damaged, lost or stolen, but fees are associated. Please contact Western Union for assistance.

Some money orders can be cancelled, please complete the refund request on the back of the money order or contact Western Union for assistance; fees apply.

Yes, fees will apply.

No, they don’t. However, you may have a non-refundable service charge deducted from the total amount if you don’t use the money order within a certain timeframe. Usually, that period is between one and three years. Any penalties depend on the laws in the state where the money order was purchased.

You can find the terms and conditions of your money order listed on the back, so make sure you check any limits placed on yours to avoid paying a charge.

If your money order is subject to a non-refundable service charge, you won’t be able to present the order for payment after the specified time. Your order will come back to you unpaid, and you’ll need to request a refund for the balance remaining.

A prepaid debit card is a useful way to pay for things without needing to carry cash around. It’s not like a credit card – you are using money that you already have. Bank accounts aren’t necessary and having a poor credit history shouldn’t prevent you from having one.

There are several ways to load money onto your reloadable prepaid card. You can buy and reload some prepaid debit cards online or go into your nearest Money Services Desk to get a reloadable Prepaid Card.

There is normally a small fee to activate and reload a Prepaid Card. Look out for promotions and offers to save money.

Most Prepaid Cards are accepted anywhere in the US that accepts debit cards. You can use them online and in stores, though fees may apply.

The right reloadable Prepaid Card for you depends on your priorities and how you want to use it.

If you’ve been the victim of a scam online, contact your local police authority and provide as many details of the scam as you can. Then, you can report any fake websites you visited or emails you have received to the Internet Crime Complaint Center (IC3). If you think this is an international, rather than a US online scam, please report this through econsumer.gov.

If someone has taken your money without your permission, or you have given someone money and suspect false pretenses, this could be a sign you have been a victim of fraud. You should contact your local law enforcement and file a report, as soon as possible.

You can contact your local police authority and provide evidence of the fraud that has taken place. You can also report it to your state consumer protection office. You can inform the federal government about fraud too. Simply contact the Federal Trade Commission to file a scam online.

There are many common consumer scams to look out for when sending money.

• Being asked to send money to an unknown person or business, sometimes as an emergency.
• Someone asking you to deposit a check they have sent, then telling you to send them back some of that money.
• A person or business contacting to say you have won a prize draw, then asking you to send money to cover fees and taxes, to claim your winnings.

Online money transfers are safe, as long as you know who you are sending the money to and the exact amount. It’s much more secure to make a transaction through an approved money transfer service, bank or credit union, who will have their own security protocols to keep money transfers safe.

Money orders are secure for both buyers and sellers. That’s because the name of the recipient and institution that issued the money order are recorded. Because you write this on your money order form, it makes it harder for fraudsters to steal money.

At Money Services, we keep your money transfers safe and ensure you can send and receive funds securely. We will always ask for ID whenever someone sends or collects money, whether by check, money order or online transfer. So should any fraudulent activity occur, we have a record of that transaction. It is important for you to verify the person receiving your money, so you can keep your money safe.

Gift cards are secure and should only be used as gifts. They should never be used as a way to pay bills, fees, fines, or anything other than gifting. If someone asks you to purchase a gift card to help a relative in need or someone else, it’s probably a scam. Only ever buy a gift card to give as a present to someone you know and through a trusted provider.

Our biggest tip to avoid fraud is to only transfer money to friends, family members or businesses that are legitimate. Never make a money transfer or buy gift cards to:

• Claim lottery/prize draw winnings
• Pay federal, state or local government taxes or fines
• Donate to charity, especially non-registered organizations
• Resolve immigration matters
• Pay for a purchase already made online