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CFSC is a check-cashing storefront in Manhattan offering financial services including check cashing, money transfers, bill payments, and prepaid cards with extended weekday hours starting at 6:15 AM.
Data compiled from public sources
CFSC (Community Financial Services) operates a check-cashing location at 518 W 145th Street in the Harlem neighborhood of Manhattan. The company is part of a larger network of CFSC branches across New York City and New Jersey, with over 20 locations visible on their website, indicating an established regional presence in underbanked communities. This particular location has been positioned as a convenient financial services hub for residents who may lack traditional bank accounts or need quick access to cash services.
The 518 W 145th location offers a comprehensive suite of transaction-based financial services beyond basic check cashing. Their advertised services include money transfers, check cashing, prepaid debit cards, prepaid cellular phone services, electronic bill pay, money orders, ATMs, foreign currency exchange, transit card services (MetroCard), lottery ticket sales, tax refund services, and EZ Pass. The store operates Monday through Friday from 6:15 AM to 7:15 PM and Saturday 6:15 AM to 5:30 PM, with Spanish language support available ("Se Habla Español").
This location distinguishes itself through early morning availability (opening at 6:15 AM on weekdays), making it accessible to customers with work commitments before standard business hours. The combination of services in one location—from basic check cashing to bill payments to transit services—positions it as a one-stop financial services provider for customers who may not have easy access to traditional banks. The network structure also suggests reliability and consistent service standards across locations.
As a check-cashing business, CFSC serves an important function for unbanked and underbanked populations but operates in a market segment where fees are typically higher than traditional banking. Customers should expect to pay per-transaction fees for services like check cashing and money orders. The business model targets convenience and accessibility rather than offering the lowest-cost financial services, making it best suited for urgent or after-hours needs rather than primary financial management.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed 518 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 518 W 145th offers 12 services including Check cashing, Money transfers, Prepaid debit cards, Prepaid cellular phone services, Electronic bill pay, and 7 more.
CFSC Checks Cashed 518 W 145th has profile signals associated with Unbanked or underbanked individuals without traditional bank accounts needing quick check cashing, Customers requiring early morning or evening financial services outside standard banking hours, Residents in Harlem and Upper Manhattan needing local convenience for bill payments and money transfers, Spanish-speaking customers who benefit from bilingual service at this location.
Key strengths: Very early opening hours (6:15 AM on weekdays) accommodates customers before work; Comprehensive one-stop services including check cashing, bill pay, money transfers, and prepaid cards; Spanish language support available for bilingual customer service. Areas to consider: Check cashing and money order services carry per-transaction fees typical of the industry; No services on Sunday, limiting weekend access.
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 at 518 W 145th is profile signals for unbanked or underbanked customers in Upper Manhattan who need quick access to check cashing, bill payment, and money transfer services during extended hours, particularly early mornings before 6:15 AM when banks are closed. The main caveat is that check-cashing services carry per-transaction fees and do not build credit history, making this suitable for convenience and urgent needs rather than long-term financial management.
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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