U
USA Check Center (formerly Check Center)
Contact
BBB:
Part of the Checksmart chain · locations
CheckSmart in Tucson, AZ
CheckSmart in Tucson, AZ provides check cashing at 5504 E 22nd St Ste 100.
Data compiled from public sources · Rating from CreditDoc methodology
CheckSmart Review
CheckSmart at 5504 E 22nd St Ste 100 is a standalone check-cashing store in east Tucson, AZ. This location serves Tucson residents and visitors in a conveniently accessible commercial area. Hours are Monday and Friday 9AM–7PM, Tuesday–Thursday 9AM–6PM, and Saturday 10AM–4PM; closed Sundays.
At this Tucson-area location, CheckSmart specializes in check cashing and related financial services. Call +1 520-790-2600 for details on services available or to ask questions before your visit.
Bring a valid government-issued photo ID and your check when you visit. The straightforward process is designed for quick service without complex applications, making this location a reliable choice for residents throughout the area.
Services & Features
Bill payment processing
Check cashing
Gift card exchange for cash
Green Dot Visa Debit Card issuance
In-store customer service and financial guidance
Loan application processing with quick decision rendering
Money orders
Online appointment scheduling
Third-party lending product access and application facilitation
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended hours including early morning (8:00 AM) and evening (8:00 PM) availability on weekdays for working customers
- Online appointment scheduling available to reduce in-store wait times
- Multiple financial services under one roof: check cashing, money orders, wire transfers, bill pay, gift card exchanges, and debit card issuance
- Multiple Ohio locations (10+ confirmed stores across Columbus, Heath, Marion, Marysville, Reynoldsburg, Springfield, and Whitehall)
- Clear documentation requirements listed upfront (ID, proof of employment, phone, email, address proof)
- Quick lending decision promised with funding available once approved
- Green Dot Visa Debit Card availability for unbanked customers needing card access
Cons
- CheckSmart is not a direct lender—all loans come from unaffiliated third-party lenders, meaning rates, terms, and approval decisions are outside CheckSmart's control and not transparent on their website
- No specific information provided about interest rates, APR, fees, or loan terms for the third-party lending products they facilitate
- Limited detail on what qualifies as 'best possible options' for customers or how they vet lending partners
- Check cashing and financial services typically come with fees not disclosed on this location page
- The website focuses heavily on marketing language ('best in class,' 'exceptional') rather than concrete product details and pricing
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Frequently Asked Questions
Is CheckSmart legitimate?
Yes. CheckSmart is a registered company, headquartered in 5504 E 22nd St Ste 100, Tucson, AZ 85711.
Quick Facts
- Headquarters
- 5504 E 22nd St Ste 100, Tucson, AZ 85711
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on CheckSmart
CheckSmart is best for unbanked consumers and workers without traditional bank accounts who need check cashing, money transfers, and bill payment in one location with extended hours. The primary caveat is that CheckSmart facilitates lending from third-party lenders rather than lending directly, meaning borrowers should seek rate and term information from the actual lender, not from CheckSmart's marketing materials.
Best For
- Unbanked and underbanked consumers needing immediate check cashing and money transfer services
- Customers seeking multiple financial services (check cashing, bill pay, wire transfers) in one convenient location
- Ohio residents with flexible schedules who can visit during extended business hours for appointment-based service
- People seeking quick access to short-term lending through third-party lenders without requiring a traditional bank relationship
Updated 2026-04-29
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