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P & S Check Cashing provides check cashing and financial services at a single Jersey City location. Open weekdays 9 AM–6 PM and Saturdays with extended Friday hours.
Data compiled from public sources
P & S Check Cashing is a traditional check-cashing service located in Jersey City, New Jersey, serving the local community since an unspecified founding date. The business operates from a single physical location at 523 Bergen Ave and can be reached at (201) 984-0320. Like other check-cashing establishments, P & S serves customers who need immediate access to funds without maintaining a bank account or who prefer the convenience of cash transactions over traditional banking channels.
Based on available information, P & S Check Cashing offers core financial services typical of the check-cashing industry, though specific service details beyond the category classification are not detailed in the provided source material. The company maintains consistent operating hours across most days, with extended evening service on Fridays until 7 PM, suggesting accommodation for working customers. Saturday hours indicate accessibility beyond standard weekday banking.
The company's longevity as a standalone, locally-operated check-cashing service in Jersey City distinguishes it from larger national chains. Single-location businesses often provide personalized service and familiarity with regular customers compared to corporate operations. The specific address and phone number indicate a brick-and-mortar presence rather than online-only operation, allowing customers to conduct transactions face-to-face.
Without detailed fee schedules, service menus, or customer reviews available from the source material, a complete assessment of competitive advantages cannot be provided. Consumers considering P & S Check Cashing should inquire directly about fee structures, service offerings beyond basic check cashing, and compare rates with competing providers in the Jersey City area to ensure fair pricing and suitable services for their needs.
This is state-level context for Check Cashing & Money Services consumers in Jersey City, NJ. It does not confirm that P & S Check Cashing or this specific location is licensed.
State regulator
New Jersey Department of Banking and Insurance
Consumer protection
Short-term lending status: Banned
General rate context: 30% for consumer loans (criminal usury); payday lending banned
New Jersey bans payday lending and maintains a 30% criminal usury threshold. The Consumer Fraud Act provides broad protections against predatory lending practices. Consumers can file complaints with the Division of Consumer Affairs or the Department of Banking and Insurance.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
P & S Check Cashing offers 4 services including Check cashing, Money orders (presumed based on category classification), Wire transfers (presumed based on category classification), Bill payment (presumed based on category classification).
P & S Check Cashing has profile signals associated with Jersey City residents needing immediate check cashing without a bank account, Unbanked or underbanked customers preferring cash transactions, Workers seeking extended Friday evening hours for financial services.
Key strengths: Extended Friday hours until 7 PM accommodates working customers; Saturday operating hours provide weekend access; Established brick-and-mortar location at 523 Bergen Ave, Jersey City. Areas to consider: Single location limits accessibility for customers outside Jersey City; No website or online presence documented—requires in-person visit or phone contact.
In the Check Cashing & Money Services category, comparable providers include CFSC Checks Cashed Bergen Ave Jersey City, Check Cashing Services Inc, Kwik Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
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CreditDoc Profile Note
P & S Check Cashing is profile signals for unbanked or underbanked residents of Jersey City who need same-day cash access to checks without opening a bank account. The main caveat is that detailed service offerings, fee schedules, and rate claims to verify are not publicly available online, requiring direct phone or in-person contact to make informed decisions.
CFSC Bergen Ave is a check-cashing and financial services center offering no-bank-account check cashing, money transfers, bill pay, and prepaid cards in Jersey City.
Profile signals: Unbanked and underbanked individuals who need immediate check-cashing without a bank account, Spanish-speaking residents in Jersey City seeking accessible financial services with language support
United Check Cashing operates 40+ locations across the Northeast and select markets, providing check cashing, money orders, and bill payment services.
Profile signals: Unbanked consumers without access to traditional bank accounts, Small business owners and merchants needing quick check conversion and related financial services
Kwik Check Cashing in Newark, NJ offers check cashing, wire transfers, money orders, and prepaid debit cards for individuals and businesses needing fast access to funds.
Profile signals: Unbanked or underbanked individuals needing same-day check cashing without bank account requirements, Small contractors and construction workers managing project-based cash flow and rapid payment cycles
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