If you’ve ever considered using a check cashing service, you may have heard some negative stories or confusing information. From fears about legality to worries about fees, it’s easy to feel unsure about whether these services are right for you. The truth is, many of the myths surrounding check cashing simply aren’t true — especially when you use a licensed, trustworthy provider like Pro Check Cashing in Meriden, Connecticut (License # CC‑1395273).
Here, we’re busting five of the most common myths about check cashing services, and setting the record straight.
Myth 1: Check Cashing Services Are Illegal
One of the most persistent myths is that check cashing is somehow “illegal.” This idea likely comes from stories about scams or unlicensed businesses.
The reality is very different. Licensed check-cashing businesses in Connecticut are regulated by the Department of Banking. Pro Check Cashing operates in full compliance with the law, providing safe and legal financial services to the local community. When you use a licensed shop, you can trust that your transactions are handled responsibly and securely.
Myth 2: You’ll Be Charged Absurd Fees
Many people avoid check cashing because they’ve heard stories about outrageous fees. While it’s true that fees exist, legitimate businesses are transparent about them.
At Pro Check Cashing, fees are simple and clear:
Standard checks: 2%
State and welfare checks: 1%
These fees cover operating costs and help ensure secure, reliable service. Unlike rumors of “hidden charges,” a licensed provider will always disclose the fee upfront. Comparing fees across licensed providers can help you make an informed choice, but “absurd fees” are simply not the norm.
Myth 3: Only Small Checks Can Be Cashed
Another common misconception is that check-cashing services only handle small amounts. The truth is, Pro Check Cashing accepts checks of any size. There’s no minimum or maximum, making it convenient for everyone, whether you’re cashing a small payroll check or a larger government or insurance check.
The only exception? Pre-signed checks cannot be accepted. This policy protects both the business and the customer from fraud. Other than that, you can cash payroll, government, insurance, tax refund, and Social Security checks with ease.
Myth 4: Check Cashing Services Are Unsafe or Untrustworthy
Some people worry that check-cashing services aren’t secure. This is far from the truth for licensed providers.
Pro Check Cashing follows strict regulations and employs trained staff to verify identification and check authenticity. Every transaction is conducted safely, giving customers peace of mind. Using a licensed check-cashing service is not only safe but also a transparent and reliable way to access your money quickly.
Myth 5: Using Check Cashing Services Hurts Your Financial Reputation
A final myth is that using a check-cashing service might damage your credit score or financial standing. In reality, your use of a check-cashing service has no impact on your credit or banking history.
For many people, check cashing is simply a convenient alternative for handling finances without a traditional bank account. It’s a practical option for managing payroll checks, government payments, or any situation where cash is preferred.
The Bottom Line
Check-cashing services are legal, transparent, safe, and accessible, especially when you choose a licensed, local provider. At Pro Check Cashing in Meriden, CT (License # CC‑1395273), we’re proud to offer reliable check cashing for payroll, government, insurance, tax refunds, and more.
If you need a trustworthy place to cash your check or want to learn more about how our services can help you, visit us today or check out our services page. We’re here to make handling your money simple and worry-free.