No stored Google rating available.
CFSC operates a multi-location check-cashing network across NYC, New Jersey, and Queens offering no-ID-required check cashing, money transfers, and financial services.
Data compiled from public sources
Community Financial Services (CFSC) is an established check-cashing and financial services company operating multiple locations throughout the New York metropolitan area, including Manhattan, Brooklyn, Queens, and New Jersey. The company has built a presence as an alternative to traditional banking for unbanked and underbanked consumers seeking convenient access to financial services without lengthy processing times or account requirements.
CFSC offers a comprehensive suite of services beyond basic check cashing, including money orders, money transfers to over 80 countries, prepaid debit cards (Yes! Debit Account), electronic bill pay, foreign currency exchange, ATM access, and specialty services like tax refund cashing, Transit MetroCard purchases, EZ Pass sales, and lottery services. The Avenue C location at 99 Loisaida Ave operates Monday-Friday 7:30am-8:00pm and Saturday 7:30am-6:00pm, with multilingual support (Se Habla Español) available.
The company distinguishes itself through extended operating hours (some locations open as early as 6:30am and stay open until 9:30pm), no bank account requirement for check cashing, eligibility claim to verify for prepaid debit card accounts, and acceptance of multiple government-issued photo ID types. CFSC's network model provides customers with 13+ visible locations in the metro area, enabling convenient access regardless of neighborhood. The company explicitly markets to consumers handling paycheck cashing, family money transfers, and bill payments without traditional banking infrastructure.
As a check-cashing service, CFSC fills a legitimate market gap for unbanked populations but operates in a traditionally high-margin industry where fees for services like check cashing and money transfers are standard and typically higher than bank alternatives. The company does not appear to offer credit-building products or financial counseling services. For consumers with banking access, traditional bank services typically cost less; however, for those without accounts or seeking immediate fund access, CFSC provides a practical alternative.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that CFSC Checks Cashed Avenue C 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 Avenue C offers 12 services including Check cashing (personal and business checks), Money orders, Money transfers (international to 80+ countries), Prepaid debit cards (Yes! Debit Account), Electronic bill pay, and 7 more.
CFSC Checks Cashed Avenue C has profile signals associated with Unbanked workers who receive paychecks and need immediate access to funds without a bank account, Immigrants and international communities needing to send money abroad and exchange foreign currency, Underbanked individuals with poor credit or no credit history seeking prepaid card alternatives, Self-employed and small business owners requiring business check-cashing services outside traditional bank hours.
Key strengths: No bank account required for check cashing—immediate access to funds without waiting for bank processing; Extended hours at multiple locations (some open 6:30am-9:30pm), accommodating shift workers and busy schedules; Accepts multiple government-issued photo IDs including passport, foreign country ID, student ID, and work ID. Areas to consider: Check-cashing and money transfer fees not disclosed on website—consumers must inquire in-person, typical industry fees often significantly higher than bank alternatives; Prepaid debit card (Yes! Debit) likely includes monthly maintenance or per-transaction fees common to prepaid products, with no fee details disclosed.
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 is profile signals for unbanked and underbanked consumers in the NYC metro area who need fast, no-account-required access to check cashing and money transfer services. The primary caveat is that while CFSC solves the immediate accessibility problem, its service fees (not disclosed online) are typically higher in listed context than traditional banks, making it a convenience premium rather than a listed-cost long-term financial solution.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Cash advances are expensive. Here are cheaper, faster ways to cover an emergency expense without getting trapped in a debt cycle.
Read guide →Balance transfer cards can save you money on interest, but fees to verify and deadlines catch people off guard. Here's how to use them the right way.
Read guide →A parent's guide to teaching teenagers about money, credit, and financial decisions before they leave home — covering the skills schools skip.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to CFSC Checks Cashed Avenue C and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.