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CFSC Checks Cashed 111th is a community financial services location offering check cashing, money transfers, bill pay, and currency exchange in East Harlem, NYC.
Data compiled from public sources
CFSC Checks Cashed 111th operates as a branch of Community Financial Services, a multi-location check-cashing and financial services network with significant presence across New York City and the Bronx, plus one New Jersey location. The company has positioned itself as a one-stop financial hub for underbanked and unbanked consumers who need quick access to essential money services without traditional banking requirements.
The 111th Street location offers a comprehensive range of services including check cashing, money transfers, prepaid debit cards, electronic bill pay, money orders, ATM access, foreign currency exchange, transit card services, lottery ticket sales, coin exchange, tax refund services, and EZ Pass services. The location notably provides bilingual services (Se Habla Español), reflecting its East Harlem customer base. Operating hours are extended weekdays (7:30 am–7:45 pm), with weekend availability Saturday 7:30 am–5:45 pm and Sunday 8:00 am–5:00 pm.
What distinguishes CFSC 111th is its integration of multiple financial services beyond check cashing, including prepaid cellular services and government transit services, making it a true community financial center rather than a single-service provider. The extended weekday hours and weekend availability serve working populations with limited traditional banking access. The bilingual staff and multilingual service offerings cater specifically to immigrant and Spanish-speaking communities in East Harlem. The network operates 20+ locations across NYC, the Bronx, and New Jersey, suggesting operational scale and stability.
However, check-cashing services typically involve fees that are higher than traditional bank services, though this is standard industry practice for the underbanked market. The company's fees and specific APRs for any lending products are not disclosed on the website. While CFSC provides genuine value for consumers without bank accounts or those needing quick service outside traditional banking hours, consumers should compare fees with local alternatives and understand that prepaid debit cards and money transfers carry transaction costs.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed 111th or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Short-term lending status: Banned
General rate context: 16% civil usury; 25% criminal usury; payday lending banned
New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
CFSC Checks Cashed 111th offers 14 services including Check cashing, Money transfers, Prepaid debit cards, Prepaid cellular phone services, Electronic bill pay, and 9 more.
CFSC Checks Cashed 111th has profile signals associated with Unbanked or underbanked residents of East Harlem seeking convenient check-cashing without bank accounts, Spanish-speaking immigrants and communities needing bilingual financial services, Workers with non-traditional schedules requiring access outside standard business hours, Consumers needing multiple services (money transfer, bill pay, currency exchange) in one location.
Key strengths: Extended weekday hours until 7:45 pm with weekend service enables access for working populations; Bilingual services (Se Habla Español) serve East Harlem's diverse immigrant community; Comprehensive one-stop services including foreign currency exchange, transit cards, EZ Pass, and lottery. Areas to consider: Check-cashing fees and service charges are not disclosed on website, typical of the industry but not listed; No information provided about prepaid debit card fees, balance inquiry costs, or other ancillary charges.
In the Check Cashing & Money Services category, comparable providers include 10th Avenue Check Cashing Corporation, A & S Foreign Exchange Inc, E Z Money LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CFSC Checks Cashed 111th is profile signals for unbanked or underbanked East Harlem residents—particularly Spanish-speaking immigrants—who need quick, multi-service financial access outside traditional banking hours. The main caveat is that check-cashing and prepaid services carry higher fees than bank accounts, and the website provides no fee transparency, so consumers should inquire directly about costs before using services.
10th Avenue Check Cashing Corp cashes checks, processes money orders, and offers bill payment services in Hell's Kitchen, Manhattan. Open 7 days with convenient midtown location.
Profile signals: Hell's Kitchen residents needing local check-cashing without traveling to other neighborhoods, Customers who need multiple services (check cashing + bill payment + metro cards) at one stop
A & S Foreign Exchange Inc. is a New York-based currency exchange and traveler's check service operating for over 27 years, offering rate claims to verify on major world currencies.
Profile signals: International travelers departing from or returning to the New York area needing currency exchange, Customers requiring physical in-person currency exchange with immediate transactions
Multi-service financial center offering check cashing, payday loans, prepaid cards, and money transfers. Licensed in Iowa, Michigan, Missouri, and North Dakota.
Profile signals: Consumers without traditional bank accounts who need immediate check cashing without fees or holds, Unbanked or underbanked workers in covered states needing occasional emergency cash advances
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