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CFSC at 2266 1st Ave offers check cashing, money transfers, bill pay, and prepaid services in East Harlem with extended hours from 6am-10pm weekdays.
Data compiled from public sources
Community Financial Services Corporation (CFSC) operates a check-cashing location at 2266 1st Ave in East Harlem, Manhattan, serving the local community with financial services typically used by unbanked and underbanked consumers. The company provides traditional check-cashing services alongside a broader suite of financial and utility services designed to help customers manage money without requiring a traditional bank account. CFSC's primary offerings include check cashing, money transfers, money orders, electronic bill payment, prepaid debit cards, and ATM access, making it a one-stop financial services hub for routine transactions.
The location distinguishes itself through extended operating hours (6am-10pm weekdays, 6am-8pm Saturdays, 7:30am-6pm Sundays), multilingual staff (Se Habla Español), and an unusually comprehensive service menu that extends beyond financial services to include UPS shipping, transit card services, lottery ticket sales, and phone services. CFSC operates as a network of 30+ locations across New York City and New Jersey, suggesting established operational infrastructure and brand recognition in urban markets. The honest assessment is that while CFSC provides genuine accessibility for consumers without bank accounts or those needing quick financial services, check-cashing companies typically charge fees that can be expensive relative to traditional banking, and the breadth of services doesn't imply listed experience context in any single area.
The company serves a real market need but operates in a sector that, by design, extracts costs from lower-income consumers.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed 2266 1st Ave 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 2266 1st Ave offers 12 services including Check cashing, Money transfers, Money orders, Electronic bill payment, Prepaid debit cards, and 7 more.
CFSC Checks Cashed 2266 1st Ave has profile signals associated with Unbanked and underbanked workers needing reliable same-day check conversion in East Harlem, Immigrants and non-English speakers requiring foreign currency exchange and multilingual service, Shift workers and early-morning laborers who need financial services before traditional bank hours.
Key strengths: Exceptionally early opening hours (6am weekdays) accommodate shift workers and early-morning financial needs; Comprehensive service menu spanning financial, utility, and shipping services in one location reduces customer travel; Bilingual staff (Se Habla Español) serves non-English-speaking populations in diverse neighborhoods. Areas to consider: Check-cashing fees are not disclosed on the website, but industry standard rates typically range 1-5% and represent a recurring cost burden vs. free bank checking; No mention of financial counseling or guidance; the service model extracts value rather than builds financial capability.
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 2266 1st Ave is profile signals for unbanked or underbanked consumers in East Harlem needing quick check conversion or financial services outside traditional bank hours, particularly non-English speakers. The primary caveat is that check-cashing fees and money transfer costs—while not disclosed on the website—typically exceed what customers would pay at a bank or credit union, making this a convenience service that carries meaningful recurring costs.
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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