FAQ

What services does USA Checks Cashed offer?

Where is USA Checks Cashed Located?

USA Checks Cashed has convenient locations throughout Southern California. We have locations in Metropolitan San Diego, the Inland Empire, and in the High Desert. Find the store nearest you.

Can I cash insurance drafts or checks at USA Checks Cashed?

Yes. USA Checks Cashed cashes all insurance drafts and checks. We cash a lot of settlement checks also. We are experienced at getting your cash to you without the long hold that a bank will put on your funds

Can I cash my business check at USA Checks Cashed?

Yes. We can cash checks payable to your business. Please bring your Business Name Statement with you. All owners of the business must be present to cash the check.

Can I cash my Social Security Check or SSI check at USA Checks Cashed?

Yes. USA Checks Cashed cashes social security checks, SSI Checks, U.S. Treasury payroll checks, and any other type of US Treasury Check. You can also cash your Back- Pay Social Security Check, no matter the size.

Can I cash my tax return at USA Checks Cashed?

Yes. USA Checks Cashed cashes all tax returns. This includes US Treasury Checks, Cashier’s Checks, and State Checks. USA Checks Cashed can also take any amount off of your Tax Prepaid Debit Card.

What does USA Checks Cashed charge to cash my check?

USA Checks Cashed charges a small percentage of the amount of the check. Rates are posted at all branches. USA Checks Cashed has the best rates in town!

What other types of checks can I cash at USA Checks Cashed?

USA Checks Cashed cashes all types of checks. Bring your check to us and walk out with your cash.

Yes. We can cash checks payable to your business. Please bring your Business Name Statement with you. All owners of the business must be present to cash the check.

How do I repay my payday loan?

You can repay your payday loan in two ways. You can bring cash for the amount of the check to the location that you received your payday loan and we will give you your check back. Or, we can deposit your check and it will go through the banking system.

How does a payday loan work?

To receive a payday loan, all you need to do is complete a simple application and fill out a few forms. In less than 10 minutes, we will have your approval. Once you are approved, you will get cash in your hands! You will write a check payable to USA Checks Cashed for the amount of your loan plus any fee. On your next pay date, you will either “buy “ your check back at our location, or we will deposit it.

If my bank returns my check unpaid, will there be a fee?

USA Checks Cashed charges a $15 fee on returned checks used for a payday loan transaction. It is likely your bank will also charge you a fee.

What amount of cash can I borrow on a payday loan?

USA Checks Cashed issues payday loans for the following amounts: $100, $150, $200, and $250.

What are payday loans?

A payday loan is a short-term loan where you can qualify to receive cash immediately based on your next anticipated paycheck.

What are the benefits or “buying back” my check?

There are benefits to returning to the location with cash and receiving your check back:

•  If you receive your check back, it does not enter the banking system and has no chance of bouncing, which would jeopardize your good standing with us, potentially your standing with your bank, and cost you fees from your bank
• Once your payday loan is paid in full, you may receive another payday loan. If the check is deposited, we cannot give you another payday loan until the check has cleared your bank account, which could take as long as one week.
   

What are the fees on a payday loan?

Your first payday loan is interest free and there is no set up fee! If we advance you $250 on your first visit, you write us a check for $250 for that transaction. Fees will apply on your second advance and thereafter.

What do I need to apply for a payday loan?

To apply for a payday loan, please bring in your most recent bank statement, current pay stub, imprinted personal check, government issued identification, and a utility bill or something with your address.

What do I need to qualify for a payday loan?

To qualify for a payday loan, you will need to have an open checking account with checks, proof of steady income, government issued identification, and not be an active member, or a dependent of an active member, of the armed forces.

What if I cannot pay my loan when it is due?

USA Checks Cashed understands it is your intention to pay off your payday loan when it is due. Please call the branch where you received your payday loan and speak with the manager.

What if I would like to cancel my payday loan after I borrowed the cash?

You may cancel, or rescind, your loan at no cost within 24 hours of receiving the payday loan. To do so, please visit the branch where you received your payday loan.

When will my payday loan be due?

Your loan will be due on your next payday.

Can I do a title transfer or change of ownership?

Yes. USA Checks Cashed can process your auto title transfer, or change of ownership, transactions. We will give you your new registration with the new owner’s name on it and the new pink slip will be mailed by the DMV to the new owner. It’s the same procedure at the DMV; only you don’t have to wait in long lines when you come to us!

Can I get a duplicate title?

Yes. If your title, or pink slip, is missing or misplaced, we can submit your request for a duplicate title. It will be mailed to your address. You can get a duplicate title without making an appointment or waiting in long lines at the DMV!

Can I get replacement stickers, registration, or license plates?

Yes. If you misplace your registration, or if your sticker or license plate is stolen, come to USA Checks Cashed. We can issue replacement stickers, for the month or year, issue a duplicate registration, or assign your car new license plates.

Can I pay my renewal fees if I have not completed a required smog check or received insurance on my vehicle?

Yes. USA Checks Cashed can do a report of deposit of fees, which will prevent you from incurring late fees after your date of payment. Once you have received your smog check or received insurance on your vehicle, come back to USA Checks Cashed and we can issue your new registration and sticker.

Can I renew my California Auto Registration?

Yes. USA Checks Cashed can renew your auto registration instantly. We give you your new registration and sticker on the spot! We can renew your car tags for auto, commercial and motorcycle vehicles.

Can I renew my registration if I received a suspension from a lapse in insurance?

Yes. You must first get insurance on your vehicle. Then call the phone number on the late notice and pay the fine for the lapse in insurance, which is currently $14. Then come to USA Checks Cashed and we can renew your auto registration on the spot!

What is the fee to complete my Auto Registration or other DMV Service needs at USA Checks Cashed?

USA Checks Cashed does charge a convenience fee. We work hard to make sure our fees are competitive and the fee is posted clearly in each location. The fee is well worth the time saved by not spending hours at the DMV!!!

What methods of payment are accepted for my DMV related transactions?

USA Checks Cashed accepts cash, or you can pay with your debit card. A small service fee may apply if you pay with your debit card.

Can I add money to an inmate’s calling account through MoneyGram?

Yes. You will need the inmate’s telecom provider or 4-digit receive code, and the inmate’s phone or account number.

Can I send money to inmates through MoneyGram?

Yes. You can send money to most prisons and jails.

How do I enroll in MoneyGram rewards?

You can enroll at USA Checks Cashed when you send your first transaction. There is no additional form you have to complete to enroll in the rewards program. Just let the teller know that you would like to be enrolled in MoneyGram rewards.

How do I send money to an inmate with MoneyGram?

To send money, you will need the correctional facility’s name or 4-digit MoneyGram Receive Code, and the inmate’s Correctional ID Number and last name.

How does MoneyGram work?

MoneyGram is a money transfer company. If you send money from USA Checks Cashed, the person receiving the money transfer can pick up the cash in about 10 minutes, at any MoneyGram agent in the world!

What bills can I pay through MoneyGram?

You can pay most mortgages, auto loans, car title loans, load money on prepaid debit cards, top up mobile phones, and many other bills. You can also add funds to your reach out wireless account.

What currency will my money transfer be paid in?

Domestically, all transactions will be paid in US dollars. Internationally, there are options, which may include US dollars or the local currency. When you send the money, our professional staff will review the options with you and let you decide how you would like your transaction to be paid. To find out the options for the country where your money transfer will be received, please click on the MoneyGram link or call/visit and USA Checks Cashed location.

What is MoneyGram rewards?

MoneyGram rewards is a free program that earns you points every time you send money. You can redeem your points for a pre-paid Visa or many other gift card choices. Plus, it saves you time at USA Checks Cashed when you send money because it allows you to avoid filling out a form! We can pull up your information with your rewards number. And the more often you send, the more points you receive for each transaction.

What methods of payments can I use to send money?

You can use a debit or credit card online. You may also visit any USA Checks Cashed location where we accept cash, or can accept debit payment (a convenience fee will apply for debit payment)

What will it cost to send money?

The fee to send money will vary based on the receiving location and amount. All fees will be explained to you prior to sending the transaction. You can send a person-to-person money transfer for as little as $5!

Where are there MoneyGram agents internationally?

There are over 244,000 locations worldwide for your family, friends, and others to receive the cash you send them. To find out the exact locations where you need to send money, click on MoneyGram or call/visit any USA Checks Cashed location.

Can I earn rewards with the Netspend Card?

Yes. Enroll your card online and receive payback rewards for everyday use, RX Discounts, online budgeting tools, and anytime alerts.

Can I get my government benefits direct deposited on my Netspend Card?

Yes. With Government Benefits Express, you can get your social security, SSI, or other government benefit payments direct deposited on your Netspend Card. And you will get your funds up to 2 days faster!

Can I get my paycheck direct deposited on my Netspend Card?

Yes. There is no fee for the direct deposit and you will get your funds up to 2 days faster.

Can I use my Netspend Card for signature transactions?

Yes. You can choose to enter your pin and use it as a debit card or sign for your purchase, like you would do if you were using a credit card.

Can I withdraw cash from my Netspend Card?

Yes. You can withdraw cash at any USA Checks Cashed location or most ATMs worldwide!

How do I load funds on my Netspend Card?

You can loads funds at any USA Checks Cashed location or have your funds direct-deposited on your Netspend Card. Funds are available instantly!

How does a pre-paid debit card work?

A pre-paid debit card works just like a debit card or credit card except that you load the funds on your card before you use the card. You can use your card online, to buy groceries, pay bills, at restaurants, malls, ATMs, or anywhere else that accepts debit or credit payments. You can always spend only the funds on your card so it is a great way to manage your money!

Is the Netspend Card FDIC Insured?

Yes. You can feel safe with your money because it is FDIC Insured, backed by the full faith and credit of the United States Government.

Is there a savings account option with the Netspend Card?

Yes. The savings account is free and pays 5% APY. That’s better than any bank and it’s FDIC Insured!

Where can I purchase a Netspend Prepaid Debit Card?

You can buy a pre-paid debit card online by clicking Buy Now or at any USA Checks Cashed location.

Can I give the cashier less cash than I ordered?

If you have less cash than you expected or decide to reduce the amount of cryptocurrency you want to purchase, the cashier will be able to accept the lesser amount. Your adjusted cryptocurrency and fee amounts will appear on the screen when you return to the CoinFlip terminal to complete your order. 

Can I give the cashier more cash than I indicated at the terminal?

NO.  The amount of an order cannot be increased once placed. To purchase more cryptocurrency, you will need to initiate a new order.

Can I only buy Bitcoin? 

While Bitcoin is very popular, we offer many different options. You can purchase the following digital assets at any CoinFlip Local Bitcoin Cashier location:

• Bitcoin (BTC)
• Ethereum (ETH)
• Litecoin (LTC)
• Chainlink (LINK)
• Dogecoin (DOGE)
• Stellar Lumens (XLM)
• Tether (USDT)
• USD Coin (USDC)
• Pax Gold (PAXG)

Check out all our Crypto Offerings 

How can I learn more about CoinFlip Local Bitcoin Cashier?

For more information about CoinFlip Local Bitcoin Cashier, please call our Customer Support team at 877-757-2646. 

How do I initiate a CoinFlip Local Bitcoin Cashier transaction?

Visit a USA Checks Cashed / USA Check Center location. Find our closest store to you.  Customers can initiate a transaction by selecting the amount of cryptocurrency to purchase at the CoinFlip terminal. The customer then receives a text message with a unique payment ID to provide to the location’s cashier. The cashier then verifies the customer’s identity, accepts and deposits the cash payment. The cashier will then instruct the customer to return to the CoinFlip terminal to finalize the transaction. 

How does the cashier assist in the transaction process?

The cashier at the location will assist by accepting and depositing the cash payment for the customer. The cashier will then instruct the customer to confirm and finalize the transaction at the CoinFlip terminal. 

Is there a fee associated with CoinFlip Local Bitcoin Cashier?

Normal transaction fees apply. There are no special or added fees to utilize CoinFlip Local Bitcoin Cashier. 

What is a CoinFlip Local Bitcoin Cashier?

CoinFlip Local Bitcoin Cashier is the latest offering from CoinFlip, a trusted leader in digital asset technology. With an innovative cashier-assisted program, customers can effortlessly purchase digital currency at their favorite local spots. 

What is a cryptocurrency wallet and why do I need one? 

When buying cryptocurrency with CoinFlip, you will need a place to store it or in industry terms a wallet to ‘self-custody.’ A cryptocurrency wallet is a digital application that acts as a ‘bank account’ for your cryptocurrency. You should only use a cryptocurrency wallet that you trust and have sole ownership/access to when purchasing cryptocurrency with CoinFlip products. CoinFlip recommends CoinFlip wallet for all transactions.

What is Bitcoin?

Bitcoin is a digital currency that allows for people to securely send and receive money around the world based on principles of mathematical cryptography. It allows for financial freedom that isn’t reliant or attached to traditional financial institutions or monetary systems.

What is CoinFlip?

CoinFlip is the world’s premier Bitcoin ATM operator, offering live, 24/7 customer support and competitive fees. With CoinFlip, you can use Bitcoin ATMs for cash transactions, or opt for CoinFlip Preferred for instant bank transfers, wires, or ACH transactions. Additionally, the CoinFlip Wallet is available on both iOS and Android platforms. Sign up now to stay updated with the latest news and exclusive CoinFlip deals! 

Why should I trust CoinFlip?

CoinFlip has been around since 2015 and processed transactions for over 300,000 loyal customers. CoinFlip has exceptional customer service that always picks up the phone.  Call our Customer Support Team at 877-757-2646.

Can I withdraw cash from debit card?

Yes. You can withdraw cash from your debit card. You need to know your pin, just as you would to complete a cash withdrawal at an ATM. USA Checks Cashed also has ATMs in most of our store lobbies.

Can I withdraw cash from my credit card?

We cannot do cash withdrawals from your credit card; however, you can use your credit card to pay for services. When you use your credit card to pay for services, we cannot give you cash back on the credit card. The credit card transaction must be for the exact amount of the product/service fee.

Can I withdraw cash from my EBT card?

Yes. You can withdraw the cash benefits from your EBT card at USA Checks Cashed. You can do cash withdrawals for any amount that is available on your EBT card.

Can I withdraw cash from my prepaid debit card or tax check debit card?

We cannot do cash withdrawals from your credit card; however, you can use your credit card to pay for services. When you use your credit card to pay for services, we cannot give you cash back on the credit card. The credit card transaction must be for the exact amount of the product/service fee.

What is the fee for a cash withdrawal?

We charge a small percentage of the total transaction. The fees are posted in each location.

What is the maximum amount of a cash withdrawal?

Unlike an ATM, there is no imposed limit by us on the amount of cash you can withdraw from your debit card. You can withdraw as much cash as your bank will allow you to withdraw per day.

What services does USA Checks Cashed offer?

All USA Checks Cashed Locations offer Payday Loans, Auto Registration and other DMV Services and MoneyGram. All branches, with the exception of Mira Mesa, offer check cashing, money orders, utility bill payment, sell and load Netspend Pre-Paid Debit Cards, offer Direct Deposit on to your Netspend Pre-Paid Debit Card, buy gift cards, and select stores offer Notary Public Services. The downtown San Diego Branch also exchanges foreign currency.

Where is USA Checks Cashed Located?

USA Checks Cashed has 28 locations in Southern California. There are 15 branches in Metropolitan San Diego, 9 branches in the Inland Empire, 7 branches in the High Desert, and a store in Carson and Costa Mesa.

Why choose USA Checks Cashed?

USA Checks Cashed has been helping Southern California with its financial service needs since 1982. USA Checks Cashed is licensed and audited by the State of California, so you can be confident that our practices are fair and responsible. USA Checks Cashed is a member of CFSP, the California Financial Service Providers Association, and abides by the best practices set up by the Association. We are open extended hours, flexible, and willing to work with you to meet your financial service needs!