No stored Google rating available.
ACE Cash Express provides check cashing, money orders, bill payment, and money transfers at retail locations. No bank account required—only a valid government-issued ID.
Data compiled from public sources
ACE Cash Express is a financial services retailer operating multiple locations across the United States, including a downtown Baltimore location on W Baltimore St. The company specializes in alternative financial services for consumers who may lack traditional bank accounts or need access to cash-based money services. ACE has partnered with Pathward, N.A. (Member FDIC) to offer banking products alongside their core check-cashing business.
The Baltimore location offers a comprehensive suite of money services: check cashing for personal, tax refund, and business checks; MoneyGram money transfers to over 200 countries; money orders; bill payment for rent, utilities, and credit cards; and ATM services. They also offer prepaid debit card products (ACE Elite Visa Card), mobile banking accounts (Porte), and online checking accounts (Flare Account). Extended hours—8 AM to 6 PM weekdays, 8 AM to 7 PM Friday, and 8 AM to 5 PM Saturday—provide access beyond typical bank hours.
ACE distinguishes itself through accessibility: no bank account requirement for check cashing, same-day cash availability for various check types including large business checks, and extended operating hours compared to traditional banks. Their business services explicitly welcome business check cashing with documentation verification. The company emphasizes convenience and cash availability as competitive advantages.
ACE Cash Express operates as a traditional check-cashing and money services retailer. While they partner with FDIC-insured banking institutions for deposit accounts, the core business model relies on transaction-based fees for check cashing and money services. Consumers should note that specific fee structures are not disclosed on this location page, and fees may apply to most services. The service is most suitable for unbanked or underbanked consumers researching short-term cash access.
This is state-level context for Check Cashing & Money Services consumers in Baltimore, MD. It does not confirm that Check Cashing or this specific location is licensed.
State regulator
Maryland Office of the Commissioner of Financial Regulation
Consumer protection
Short-term lending status: Banned
General rate context: 24% for consumer loans under $6,000 (33% for under $1,000); payday lending banned
Maryland effectively bans payday lending through strict interest rate caps that make the business model impractical. The state has strong consumer protection laws including the Maryland Consumer Protection Act. Consumers can file complaints with the Commissioner of Financial Regulation 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.
According to CFPB data (2023-present), Check Cashing has a 100% response rate to consumer complaints, with 100% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Check Cashing offers 12 services including Check cashing (personal, payroll, tax refund, business checks), MoneyGram money transfers (domestic and international to 200+ countries), MoneyGram money orders, Bill payment services (in-store and online for rent, utilities, credit cards), ATM services and cash withdrawals, and 7 more.
Check Cashing has profile signals associated with Unbanked consumers without a bank account who need immediate check cashing, Business owners needing business check-cashing timing claims to verify with cash on hand, Workers receiving tax refund checks and researching short-term cash access conversion, International money transfer senders using MoneyGram services.
Key strengths: No bank account required—only valid government ID needed to cash checks; Extended hours: Open until 7 PM Friday and 8 AM Saturday (beyond typical bank hours); Cashes all check types: personal, tax refund, business, and large amounts with cash on hand. Areas to consider: Check cashing fees not disclosed on website—consumers must contact store or visit in-person for pricing; Money services are transaction-based and likely carry per-service fees (typical for check cashers).
In the Check Cashing & Money Services category, comparable providers include Check Cash Depot, EZ Cash Check Cashing, GAW Check Cashing. 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 needing immediate check cashing without a bank account, business owners requiring same-day check processing, and those needing international money transfers. Primary caveat: specific fee structures are not listed on the website; fees apply to most services and should be verified before use, particularly for frequent transactions where a traditional bank account may be more economical.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-04-24
Check Cash Depot offers check cashing and financial transaction services at their Baltimore location on South Broadway, operating extended hours six days a week.
Profile signals: Unbanked individuals needing quick check conversion without a bank account, Workers with non-standard schedules requiring weekend or evening check cashing services
EZ Cash Check Cashing offers check cashing and related financial services in Edgewood, MD with wheelchair-accessible facilities and onsite service.
Profile signals: Local Edgewood and Harford County residents needing in-person check cashing, Customers with mobility needs who require wheelchair-accessible facilities
GAW Check Cashing is a Baltimore-based check cashing service located at 225 N Eutaw St. Contact them at 410-528-8808 for check cashing and related financial services.
Profile signals: Baltimore residents who need basic check cashing services in the downtown area, Customers seeking a local, established check cashing business with a physical location
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 Check Cashing 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.