Guide to Cashing a Check at ACE Cash Express

Dayton Uttinger  | 

If you don’t have a bank account and you need to cash a check now, ACE Cash Express is one option to get the money you need. However, check cashing is not their primary service, and it will cost you some of the money you are owed. It’s not an ideal option, but it might be the only one you have.

What Checks Does ACE Cash?

ACE Cash Express will cash most checks. Those include:

  • Personal checks;
  • Payroll checks;
  • Income tax refunds;
  • Government checks;
  • Insurance settlement checks;
  • Money orders.

Cash Checks Online

There is a mobile app that will allow you to cash a check online. It is called ACE Mobile Loads, and it is available on the App Store and Google Play.

However, because ACE is mainly a payday loan provider, they do not cash checks online without that app. They provide an online application for a loan, but you will have to cash your check over the mobile app if you want to use ACE.

ACE Check Cashing Pricing

ACE will cash your check, but for a price. ACE charges 3 percent of the total check amount. This might not seem like much at the time, but these fees can add up.

Banks and grocery stores like Walmart or Kroger will cash your check for a cheaper rate. But if you absolutely need the money now and do not have access to these locations, ACE will cash a check for you.

Find ACE Check Cashing Locations Near Me

Cashing a check at ACE is relatively simple, and not all that different from cashing a check at a bank or credit union. In order to make the process as efficient as possible, follow the steps below:

  1. Endorse the back of the check you want to cash. Sign your name on the dotted line provided.
  2. Provide a legal form of photo ID.
  3. Hand over the check.
  4. Take the cash remaining after ACE’s fee.

Consider opening a checking account if you do not have one. You will still receive the bulk of your money if you cash a check at ACE, but there are better long-term alternatives, such as a bank or a grocery store.


Image Source: Deposit Photos

Dayton is a chronic Wikipedia addict, which is detrimental to her social life but stellar for her writing. She resides in Boise, ID, surrounded by her own frantic outlines, highlighted encyclopedias, and potatoes. The latter was not by choice.

This post was updated November 12, 2019. It was originally published August 8, 2019.