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Checks Cashed 1% is a check-cashing service in Glendale, Arizona charging 1% plus $1 fee per check, with no limits on check amounts and MoneyGram services available.
Data compiled from public sources
Checks Cashed 1%, LLC has been operating in the Glendale, Arizona area for over a decade as a check-cashing and financial services provider. The company positions itself as a low-cost alternative to traditional check-cashing services, targeting customers who need immediate access to funds without excessive fees. They operate from a single physical location at 5270 N. 59th Ave. in Glendale and can be reached by phone at 623-842-2610.
The company's primary service is check cashing with a flat fee structure of 1% of the check amount plus $1. They cash multiple types of checks including payroll checks, personal checks, government checks (tax refunds, Social Security), insurance payments, money orders, business checks, settlement receipts, inheritance payments, and lottery winnings. Additionally, they function as an authorized MoneyGram agent, offering money orders, bill payment services, and money transfers. The company claims no upper limit on check amounts, stating they can cash checks ranging from $100 to $100,000.
Checks Cashed 1% differentiates itself primarily through its listed, competitive fee structure and stated commitment to not charging additional fees beyond their standard 1% plus $1 rate. The company explicitly markets its refusal to turn away customers or add surprise fees, positioning this as a customer-friendly approach compared to competitors. They accept government-issued ID, military IDs, and passports as valid identification.
The primary limitation of this business is its physical location constraint—customers must visit the single Glendale storefront during business hours to access services. While the company claims rate claims to verify, the actual competitiveness of 1% plus $1 depends on individual check amounts and local market comparison. The website provides no information about check verification processes, hold policies, or what constitutes acceptable identification beyond the general categories mentioned. No online services, remote check deposit, or alternative access methods are mentioned.
This is state-level context for Check Cashing & Money Services consumers in Glendale, AZ. It does not confirm that Checks Cashed 1% or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Short-term lending status: Banned
General rate context: 36% APR cap on consumer loans; payday lending banned since 2010
Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Checks Cashed 1% offers 12 services including Paycheck cashing, Personal check cashing, Government check cashing (tax refunds, Social Security), Insurance payment cashing, Business check cashing, and 7 more.
Checks Cashed 1% has profile signals associated with Glendale-area residents and workers who receive paychecks or government checks and are researching short-term cash access, Customers cashing larger checks ($1,000+) where 1% fee becomes more competitive relative to flat-fee competitors, Individuals without access to traditional banking who need supplementary money transfer and bill payment services.
Key strengths: listed, simple fee structure: flat 1% plus $1 with no hidden or variable fees; No upper limit on check amounts—claims ability to cash checks up to $100,000; Wide variety of check types accepted including government, insurance, business, inheritance, and lottery checks. Areas to consider: Single physical location limits accessibility to Glendale-area customers only; no online or mobile check cashing options; No information provided about check hold policies, verification procedures, or acceptance criteria beyond ID requirement.
In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, Amigo Check Cashing, Ria Money Transfer - Universal Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Checks Cashed 1% is profile signals for Glendale, Arizona residents who need fast check cashing and occasional money transfer services. The main caveat is that this is a single-location, in-person-only service with limited transparency about operational details like hours, hold policies, and exact acceptance criteria—customers must visit in person or call for specifics.
760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.
Profile signals: Unbanked or underbanked consumers needing immediate access to cash through check cashing, Individuals requiring money transfer or bill payment services without traditional bank accounts
MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.
Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account
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Profile signals: Immigrants and migrant workers sending regular remittances to family in Latin America, Africa, Asia, and Europe, International business professionals needing to move funds across borders quickly and reliably
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