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CFSC operates a 24-hour check-cashing location on 145th St in Manhattan offering check cashing, money transfers, bill pay, and currency exchange services.
Data compiled from public sources
Community Financial Services Corporation (CFSC) is an established check-cashing and financial services network with multiple locations across New York and New Jersey. The 358 W 145th St location in Manhattan's Upper West Side serves the local community and surrounding areas with a focus on unbanked and underbanked consumers who need access to essential financial services without traditional bank accounts.
This specific location offers an extensive range of services including check cashing (personal and business), money transfers, prepaid debit cards, electronic bill pay, money orders, ATM access, foreign currency exchange, prepaid cellular services, lottery services, coin exchange, tax refund services, EZ Pass, and Transit/MetroCard services. The facility operates 24 hours daily, seven days a week, providing round-the-clock access to financial services. Spanish-language assistance is available to serve the diverse local population.
The 24-hour operation distinguishes this location from most competing check-cashing services, many of which operate limited daytime hours. This makes it particularly valuable for shift workers, late-night professionals, and consumers with non-traditional schedules. The breadth of ancillary services—from bill pay to lottery to transit card services—positions it as a one-stop financial hub rather than a single-purpose check-cashing outlet.
As a check-cashing service, this location serves an important but niche market. Check-cashing fees, while not disclosed on the website, are typically higher than bank fees. The service model is designed for consumers without bank accounts, but those with access to traditional banking should generally prefer bank accounts and free or low-cost check deposits. The business model relies on transaction fees rather than interest income, making it sustainable primarily for frequent users of multiple services.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed 358 W 145th 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 358 W 145th offers 12 services including Check cashing (personal and business), Money transfers, Prepaid debit cards, Electronic bill pay, Money orders, and 7 more.
CFSC Checks Cashed 358 W 145th has profile signals associated with Shift workers and late-night professionals who need 24-hour financial service access, Unbanked and underbanked consumers without traditional bank accounts, Small business owners and contractors needing to cash business checks, International money senders and currency exchange users in Upper Manhattan.
Key strengths: Open 24 hours, seven days a week—rare accessibility for late-night and shift-work financial needs; Multiple service offerings (12+ services) enable one-stop financial transactions without visiting multiple vendors; Spanish-language assistance available for non-English speakers. Areas to consider: Check-cashing fees are not transparently disclosed on website, requiring in-person inquiry; Limited information about specific fee structures or rate comparisons to competitors.
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
This location is profile signals for unbanked consumers and shift workers who need 24-hour access to check-cashing and bill-payment services, particularly those in or near Upper Manhattan. The main caveat is that check-cashing fees will accumulate over time; consumers with bank access should compare total annual costs against a free or low-cost bank account before relying on regular check-cashing 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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