OPEN
No hold times · Cash in hand
1.89%

flat rate · every check · every time

No hidden fees. No hold times. Cash in hand in under four minutes. The only number that matters is yours.

4 minavg cash time
$0hidden fees
14 yrsin business
7 daysa week, open
Live RatesUpdated daily · Always 1.89% flat

Every Service. Every Fee. Right Here.

Tap any tile to see the exact cost on a $500, $1,000, and $2,000 check. No calculator required. No surprises at the window.

Payroll Checks

Employer-issued · Direct deposit alternative

1.89%Today's rate locked

Walk in with your paycheck, walk out with cash. We verify in 60 seconds. Works for all employers — hospitals, contractors, staffing agencies.

Available 7 days · Open until 10 PM

Exact fee breakdown · no surprises

AmountFee (1.89%)Cash out
$500$9.45$490.55
$1,000$18.90$981.10
$2,000$37.80$1962.20

Government Checks

SSI · Tax refunds · Benefits

1.89%No ID hassle

Social Security, tax refunds, unemployment — we cash them all. Bring a valid government ID. No second account required.

IRS refunds welcome

Exact fee breakdown · no surprises

AmountFee (1.89%)Cash out
$500$9.45$490.55
$1,000$18.90$981.10
$2,000$37.80$1962.20

Contractor & Business Checks

Day labor · Gig payouts · Small business

1.89%Zelle not required

General contractor won't do Zelle? We cash business checks on the spot. Day laborers, delivery drivers, freelancers — bring your check.

Business checks up to $5,000

Exact fee breakdown · no surprises

AmountFee (1.89%)Cash out
$500$9.45$490.55
$1,000$18.90$981.10
$2,000$37.80$1962.20

Payday Advances

Bridge the gap · Rent due Friday

From $15per $100 borrowed

Rent's due Friday. Payday's Wednesday. We bridge the gap. Bring your most recent pay stub and a valid ID. Repay when your check clears.

Up to $500 · Same visit

Advance amount · exact cost

AmountCostYou get
$100$15.00$100.00
$250$37.50$250.00
$500$75.00$500.00

Money Orders

Issue & cash · No bank required

$1.25flat per order

Issue or cash money orders up to $1,000. Pay rent, utilities, or anyone who needs a guaranteed instrument — no checking account needed.

Up to $1,000 per order

Exact fee breakdown · no surprises

AmountFee (1.89%)Cash out
$100$1.25$100.00
$500$1.25$500.00
$1,000$1.25$1000.00
Find Your Nearest Window

Open 7 days a week · No appointment needed

See What You'll Pay

No form. No sign-up. Just move the slider and pick your check type. Your exact cost — before you walk through the door.

$500
$50$5,000

Check Amount

$500

Our Fee

$9.45

1.89% rate

You Receive

$490.55

cash · right now

Bank hold: 3–5 business days · Same money, longer wait
Cash in 4 min ✓

Rates shown are for standard checks. Business checks and large amounts may vary. All fees disclosed at the window before any transaction.

Radical Transparency

We Already Made the Comparison

Every question you'd Google at 11 PM — answered before you ask.

Cash Window

Open now · Always ready

Time to cash
< 4 minutes
Fee transparency
Shown before transaction
ID requirement
One valid government ID
Hours
7 days · Until 10 PM
Account needed
None
Night shift workers
Always open for you

Your Bank

Closed nights · Slow holds

Time to cash
3–5 business days
Fee transparency
Varies by account type
ID requirement
Account + 2 forms of ID
Hours
Mon–Fri · Closes at 5 PM
Account needed
Yes — and a minimum balance
Night shift workers
Closed when you work

“Dignity and speed aren't mutually exclusive.”

We move hard cash — and we do it with respect.

Live Locations

Find Your Nearest Window

Four locations across Chicago. All open late. All staffed with people who move fast and ask nothing except your ID.

Call the Nearest Window

Chicago Metro Area · 4 Locations

Downtown Financial District

142 W Adams St, Chicago, IL 60603

0.4 mi
Mon–Sat 8AM–10PM · Sun 9AM–8PM
(312) 555-0182
Night shift friendly · Open late
Get Directions

South Side Community

8801 S Cottage Grove Ave, Chicago, IL 60619

1.2 mi
Mon–Sat 7AM–10PM · Sun 8AM–9PM
(773) 555-0247
Contractor checks welcome
Get Directions

West Loop Express

2340 W Madison St, Chicago, IL 60612

2.1 mi
Mon–Sun 7AM–11PM
(312) 555-0391
Open latest · Gig workers
Get Directions

Logan Square

3122 W Fullerton Ave, Chicago, IL 60647

3.5 mi
Mon–Sat 8AM–10PM · Sun 9AM–8PM
(773) 555-0158
Spanish-speaking staff
Get Directions

Ready to walk in?

Cash in hand in under four minutes.

Bring your check and a valid government ID. No appointment. No account. No waiting.