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Check Cashing 1% is a Glendale, Arizona check-cashing service offering flat-rate cashing on all check types plus MoneyGram services for money orders and bill payments.
Data compiled from public sources
Checks Cashed 1%, LLC operates as a check-cashing service in Glendale, Arizona, serving the Greater Phoenix area for over a decade. The business specializes in converting various types of checks into short-term cash access at a fixed fee structure. Their service model centers on accessibility and speed, marketing themselves as willing to handle check types and customer situations that larger financial institutions may decline.
The company offers check cashing for an extensive range of check types including payroll checks, tax refunds, social security income, insurance payments, personal checks, business checks, settlement receipts, inheritance payments, lottery winnings, and money orders. Beyond check cashing, they function as an authorized MoneyGram agent, providing money order services, bill payment processing, and money transfers. They advertise no limits on check amounts, claiming to cash checks ranging from $100 to $100,000.
Check Cashing 1% differentiates itself through a listed, simple fee structure: 1% of the check amount plus a flat $1.00 fee, which they claim is lower than competitors in the Phoenix area. They accept government-issued IDs, military IDs, and valid passports as identification. The company emphasizes speed, promising cash delivery within minutes, and positions itself as a lender of last resort—willing to serve customers and check types that traditional check-cashing competitors refuse.
While the listed pricing and stated willingness to handle all situations are genuine strengths for customers with limited banking access, the 1% fee structure means higher-value checks incur significantly larger costs. No comparable public verification context of their fee competitiveness is available, and the service is limited to a single Glendale location, restricting accessibility for the broader Phoenix area.
This is state-level context for Check Cashing & Money Services consumers in Phoenix, AZ. It does not confirm that Checks Cashed 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 offers 12 services including Payroll check cashing, Tax refund check cashing, Social security income check cashing, Insurance payment check cashing, Personal check cashing, and 7 more.
Checks Cashed has profile signals associated with Unbanked or underbanked individuals in the Glendale area researching short-term cash access from checks, People with personal or non-standard checks that traditional banks refuse to cash, Those requiring MoneyGram services (money orders, bill payments, money transfers), Workers receiving payroll or government benefit checks who need same-day liquidity.
Key strengths: listed, straightforward fee structure: 1% of check amount plus $1.00 flat fee with no hidden charges; Claims to accept checks up to $100,000 with no maximum limits; short-term cash access promised within minutes. Areas to consider: 1% fee structure means significantly higher absolute costs on large checks (e.g., $100 on a $10,000 check), despite claims of lowest rates; Single location limits accessibility; customers must travel to Glendale, Arizona.
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
profile signals for unbanked customers in the Glendale area needing rapid cash conversion of various check types, particularly those rejected by traditional banks. The main caveat is that while the fee structure appears straightforward, the 1% rate becomes expensive on larger checks, and the single physical location severely limits accessibility for wider Phoenix-area consumers.
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
Ria Money Transfer is a global remittance provider offering international money transfers to 190+ countries through 600,000+ locations, with online, mobile app, in-person, and WhatsApp sending options.
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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