FAQ

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How do I cash a check without a bank account?

It is easy to cash a check without a bank account at CFSC. Bring your qualifying check to a CFSC store with a documented photo ID, your personal contact information including your name, address, phone number and social security number. We will verify the maker of the check and your identity as the check holder. No waiting for the funds to clear at a regular bank, and no monthly fees.

What forms of ID are acceptable when cashing a check at CFSC?

Government-issued, photo ID, such as a Driver’s License, Passport, Official Foreign Country Photo ID, Official State Photo ID, Student Photo ID, Work Photo ID and some other forms of ID may be acceptable depending upon the type of transaction.

What types of checks can I cash at CFSC?

Payroll Checks, Tax Refund Checks, Business Checks (Checks Made out to your Business), Government Checks, Insurance Checks, Benefits Checks, and some other institutional checks qualify as well.

Do I have to have a US address?

Though it is preferred to have a US address, depending upon the transaction, verification and forms of ID, a US address may not be necessary.

Can I cash a check after business hours?

Yes, CFSC stores are open extended hours for your convenience. Many are open 24 hours, 7 days per week. Please check individual locations for the hours of the stores nearest you.

Can I cash a check on the weekend?

Yes, all CFSC store locations are open on Saturdays, and many are open on Sundays. CFSC has several store locations open 24 hours, 7 days per week. Please check individual locations for the hours of the stores nearest you.

What is a Money Order?

A money order is a form of payment that is similar to paying with a check. A money order is paid in advance and a paper check is issued for payment to another person or company. You do not need a bank account to purchase a money order or to cash one.

Is a Money Order secure?

A money order can be a more secure and reliable way of paying another person or company, as well as receiving a payment from someone else. A money order provides you with a receipt and proof of payment, and is trackable should you send money to someone. It therefore can be more secure than sending or paying someone with cash.

What can a Money Order be used for?

  • To send money through the mail
  • To make payments on purchases
  • To pay bills
  • Any time you want to make a secure payment to a third party

How do I purchase and use a Money Order?

  • Bring cash to your CFSC store to cover the amount of the money order plus the fee
  • Provide the teller with the proper photo ID
  • Fill out the money order details on the form including the name of the recipient of the money order. This can be a person or company.
  • Deliver your money order in person or by mail

How can I send money to someone?

At CFSC you can send money to someone by using cash, or in some cases, using a debit card.

What do I need to send money to someone?

You’ll need:

  • Your receiver’s name as it appears on their government-issued ID
  • Your receiver’s city/province/state and country
  • Your valid photo ID

Can I send money to someone in any country?

Yes, you can send money to someone in the same or another city, state or country. Currently, we can send money through Western Union to over 200 countries including the following key countries:

  • Argentina
  • Aruba
  • Australia
  • Brazil
  • Canada
  • Caribbean Islands
  • China
  • Columbia
  • Dominican Republic
  • England
  • France
  • Germany
  • India
  • Italy
  • Israel
  • Japan
  • Korea
  • Mexico
  • Nigeria
  • Pakistan
  • Peru
  • Philippines
  • Poland
  • Russia
  • And Many Others

When will the recipient receive the money?

Depending upon how you prepare your transaction, you can send money to arrive the same day within certain guidelines or another day that you choose.

Where can the recipient go to pick up the money?

Transferred money can be sent to a bank account number or any agent location including a check cashing location near the recipient’s home or work.

What does the recipient need to pick up the money?

Your receiver will need to fill out the To Receive Money Form (TRMF) and present valid photo ID. They will also need:

  • At tracking number (MTCN)
  • Sender’s complete name
  • Sender’s country state/city/province may be required
  • Expected amount

How will the recipient receive the money?

Money can be received in cash, in a bank account, on a prepaid card or (in select countries) on a phone—ask your sender to use the delivery method that’s most convenient for you.

Can I pick up a money transfer from any CFSC location?

Yes, you can pick up a money transfer from any CFSC location.

What’s the fastest way to send money?

Visit a CFSC location and pay with cash or prepaid debit card, where available. Be sure to choose the fastest option. For example, Western Union’s Money in Minutes option.

Can I send money to someone in a correctional facility?

Yes, you can send money to someone at a correctional facility however, you will need:

  • Correctional facility name (or code city)
  • Inmate’s account number
  • Inmate’s complete name
  • Amount in cash or prepaid debit card

How do I get a prepaid debit card?

Just complete an application along with proper ID and cash to upload onto the prepaid debit card account at any CFSC location.

What do I need to complete the application for a prepaid debit card?

You will be required to provide your name, street address, date of birth and other information that will allow us to identify you. We must collect this information in accordance with The USA PATRIOT Act, a Federal law that requires all financial institutions and their third-party service providers to obtain, verify and record information that identifies each person who opens a Card Account.

Where can prepaid debit cards be used?

Valid pre-paid cards can be used anywhere Debit MasterCard or Visa debit cards are accepted – online, in stores, and over the phone.

Can prepaid debit cards be used online?

Yes, valid pre-paid cards can be used anywhere Debit MasterCard or Visa debit cards are accepted – online, in stores, and over the phone.

How long does it take to receive my prepaid debit card in the mail?

You should receive your card approximately 7 to 10 business days after you place your order.

Can I receive a prepaid debit card immediately?

You can receive a temporary prepaid debit card at time pf purchase and your permanent card will come in the mail approximately 7 – 10 business days after.

What do I do when I receive my card in the mail?

When your card arrives, activate it. Follow the printed activation and identity verification steps that are on the materials that arrive with your card.

Do I need a bank account to purchase a debit card?

No, you do not need a bank account to purchase or activate a prepaid debit card.

Can I load or unload money from a prepaid debit card if I didn’t originally get it at this store?

Yes, as long as you have proper and valid ID, and the prepaid card to do so.

How do I use a prepaid debit card?

Once you load money onto your account, you can purchase items where Visa and MasterCard are accepted as long as you have funds on the account that cover the costs of the items you are purchasing.

What do I need to pay a bill?

  1. Your bill with bill stub if applicable
  2. Your account number
  3. Cash to cover the bill and associated service fee

Is the payment for a bill immediate?

CFSC offers different bill payment options based on the billing company policy. Most companies will allow for same day and next day payments. (Additional fees may apply.)

How much does it cost to pay a bill?

Some electronic bill pay, depending upon the company, is free of charge. All others have a convenience fee. See a CFSC Customer Service Representative at the store or call your local store for details.

What do I do with unwanted gift cards?

Many people do not have use for the gift cards they receive. Either the product or service is not one that they would like to have or the place to redeem them is not conveniently located. If you find yourself in this position, you may redeem your gift card for a portion of the value and receive it in cash. Proper ID is required and other restrictions may apply. Please see store for details.

What brands of gift cards do you accept?

Almost all gift card brands are accepted including retail, online and financial brands, however some restrictions apply. Please see store for details.

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