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National Check Cashiers in Memphis, TN

2.3/5

National Check Cashing in Memphis offers check cashing, cash advances, money orders, and bill payment services at their S 3rd St location.

Data compiled from public sources · Rating from CreditDoc methodology

National Check Cashiers Review

National Check Cashing operates as a check-cashing and financial services provider located in Memphis, Tennessee. The company serves the local Memphis community with a brick-and-mortar storefront at 3201 S 3rd St, Memphis, TN 38109. Based on the available listing information, they position themselves within the cash advance and check-cashing service category.

The business maintains direct phone contact at (901) 398-9957 for customer inquiries and service requests. National Check Cashing appears to be an established local provider, though detailed founding information and company history are not available from the current web listing. Their presence in the check-cashing category indicates they serve customers who need immediate access to funds or alternative financial services outside traditional banking channels.

The company operates in a service category that addresses specific consumer needs for rapid cash access and financial transactions. National Check Cashing's main business model centers on providing check cashing and related financial services to individuals who may lack traditional bank accounts or need expedited access to funds from checks. They facilitate cash advances, allowing customers to receive funds quickly rather than waiting for standard check processing.

The storefront location in South Memphis suggests they serve a local geographic market with in-person service availability. Their listing as a 'Cash & Check Advance' provider indicates their core service offerings focus on converting checks to immediate cash and providing short-term cash advances. National Check Cashing operates in a traditionally regulated industry with established compliance requirements for money transmission and financial services.

The business model provides an alternative to bank check processing and serves customers who prioritize speed and convenience over traditional banking relationships. Limited information is publicly available regarding their specific fee structures, APR disclosures for cash advances, or competitive positioning relative to other local check-cashing providers. The company's online presence appears minimal, with primary availability through a Yahoo Local business listing rather than a dedicated corporate website.

No customer reviews, ratings, or detailed service descriptions are currently displayed on the available listing.

Services & Features

Bill payment services
Cash advances
Check cashing
In-person financial transactions
Local cash access services
Money orders

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Local Memphis storefront location with in-person service availability
  • Direct phone contact line (901) 398-9957 for customer service access
  • Established presence in check-cashing category indicating market longevity
  • Offers cash advances for immediate fund access without bank delays
  • Multiple financial services beyond check cashing (money orders, bill payment)

Cons

  • No dedicated company website—only Yahoo Local listing with minimal information
  • No published fee schedule or APR disclosure visible on business listing
  • No customer reviews or ratings available to assess service quality
  • Limited transparency regarding cash advance terms and eligibility requirements
  • No information about whether services comply with CEMA or state check-cashing regulations

Rating Breakdown

Value
2.0
Effectiveness
1.5
Customer Service
2.2
Transparency
2.0
Ease of Use
3.9

Frequently Asked Questions

Is National Check Cashiers legitimate?

Yes. National Check Cashiers is a registered company, headquartered in 2628 Frayser Blvd, Memphis, TN 38127.

Quick Facts

Headquarters
2628 Frayser Blvd, Memphis, TN 38127
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No

No Website Currently Available

CreditDoc Diagnosis

Doctor's Verdict on National Check Cashiers

National Check Cashing is best for Memphis residents who need rapid check conversion or short-term cash advances outside traditional banking hours. The primary caveat is complete absence of online transparency—no fee disclosure, terms of service, or customer reviews are publicly available, making it difficult to assess whether their cash advance APR complies with consumer protection standards or how their fees compare to competitors.

Best For

  • Memphis-area residents needing immediate cash from checks without bank account delays
  • Individuals seeking quick cash advances with same-day or next-day availability
  • Customers who prefer in-person financial transactions at a local storefront
Updated 2026-04-29

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