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David's Check Cashing New York, New York — David's Check Cashing operates 26 locations across NYC offering check cashing, bill pay, direct deposits, and...
Data compiled from public sources
David's Financial Corp. has operated David's Check Cashing since 1957, establishing itself as a long-standing financial services provider in the New York metropolitan area. The company is licensed by the New York State Banking Department and operates under Article IX-A of the Banking Law, providing regulatory oversight for its operations.
The company offers a comprehensive suite of financial services beyond basic check cashing. Their core offerings include check cashing, direct deposits, bill payment services, money transfers, and various financial products. All 26 locations accept the same centralized phone number (800-707-5979) for customer inquiries, and the company maintains a physical presence across all five NYC boroughs with the highest concentration in Brooklyn (13 locations) and significant presence in the Bronx (4 locations), Manhattan (4 locations), and Queens (1 location).
What distinguishes David's Check Cashing is its extensive network of conveniently located branches throughout NYC, with many locations offering extended hours including evening and weekend service. Their longest operating hours extend to 8:00 PM on weekdays at select locations, and several branches remain open on Sundays (10:00 AM - 4:00 PM), a rarity among check-cashing establishments. The company has maintained continuous operation for over 65 years, suggesting stability and customer retention in a competitive market.
As a check-cashing service, David's operates in a traditionally high-margin, underbanked-serving market segment. While the website doesn't disclose fee structures, terms, or APR information, customers should expect standard check-cashing fees and be aware that the company's regulatory framework (Article IX-A) may limit certain consumer-protection context available at traditional banks. The lack of online fee transparency on their website is a notable limitation for prospective customers seeking upfront pricing information.
This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that David's Check Cashing 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.
David's Check Cashing offers 8 services including Check cashing, Direct deposit services, Bill payment, Money transfers, Financial products, and 3 more.
David's Check Cashing has profile signals associated with Unbanked and underbanked NYC residents needing reliable local check-cashing services, Customers seeking extended evening or weekend hours for check cashing and bill payment, NYC residents in the Bronx, Brooklyn, and Manhattan neighborhoods where David's has high branch density.
Key strengths: 26 locations across all five NYC boroughs with convenient neighborhood access; Extended hours at multiple locations, including 8:00 PM weekday closings and Sunday service; Licensed by New York State Banking Department with regulatory oversight. Areas to consider: No fee schedule or pricing information disclosed on website for check-cashing or other services; Limited to NYC metro area—no national presence or online/remote services.
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
David's Check Cashing is profile signals for NYC residents without traditional bank accounts who need convenient, reliable check-cashing and bill payment services with flexible hours. The main caveat is the complete absence of fee transparency and pricing information on their website, making it impossible to assess rate claims to verify before visiting a location.
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
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