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CFSC on 45th St offers check cashing, money transfers, bill payments, and prepaid cards without requiring a bank account. Located in Midtown Manhattan with extended weekday hours.
Data compiled from public sources
CFSC (Community Financial Services) operates a check-cashing location at 158 E 45th St in Midtown Manhattan, positioned as a convenient alternative to traditional banks for customers who lack bank accounts or prefer faster cash access. The company is part of a larger CFSC network with over 20 locations across New York, New Jersey, and Queens, indicating established infrastructure and multiple service points.
The 45th St location offers a comprehensive suite of financial services beyond basic check cashing, including money transfers to over 80 countries, electronic bill pay, prepaid debit cards, money orders, ATM access, foreign currency exchange, prepaid cellular services, Transit/MetroCard purchases, and tax refund check cashing. The business model targets unbanked and underbanked consumers who need fast, accessible financial services without account requirements or waiting periods for checks to clear.
This location distinguishes itself through extended weekday hours (8:00 am–6:30 pm Mon-Fri, 8:00 am–5:00 pm Sat), multilingual staff (Se Habla Español), and centralized Midtown location convenient to office workers and commuters. The company accepts multiple forms of government-issued photo ID and requires only personal contact information and SSN verification, streamlining the check-cashing process compared to traditional banks.
However, the website provides no fee schedules, APRs for prepaid cards, foreign exchange rates, or pricing comparisons—critical information for cost-conscious consumers. The company's fee structure for check cashing (typically 1-5% depending on check type) is not disclosed, and there are no customer reviews, ratings, or transparency about regulatory compliance visible on the location page. This is a transactional service provider rather than a credit-building or wealth-management solution.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed 45th St 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 45th St offers 12 services including Check cashing (personal and business checks), Money orders, Electronic bill pay, Money transfers (international and domestic), Prepaid debit cards, and 7 more.
CFSC Checks Cashed 45th St has profile signals associated with Unbanked or underbanked individuals without access to traditional bank accounts, International workers and immigrants needing fast money transfers to 80+ countries, Gig economy workers and contractors requiring same-day check cashing without bank delays, Midtown Manhattan office workers and commuters seeking convenient, after-hours financial services.
Key strengths: No bank account required to cash checks—only valid photo ID and personal information needed; Same-day access to check funds without clearing period delays typical at banks; Extended weekday hours (8:00 am–6:30 pm) accommodate working professionals and commuters. Areas to consider: No fee schedule or pricing information disclosed on website—check cashing costs opaque to consumers; No customer reviews, ratings, or third-party verification of service quality visible.
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
profile signals for unbanked or underbanked consumers in Midtown Manhattan who need fast check cashing and multi-service financial access without a bank account. Primary caveat: no fee transparency, no customer reviews, and opaque pricing structure make cost comparison difficult—consumers should ask about check cashing percentages and prepaid card fees 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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