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PLS Check Cashers in New York, NY

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New York, NY's 140 W 36th St. location of PLS Check Cashers offers 24-hour check cashing services in Midtown Manhattan.

Data compiled from public sources

PLS Check Cashers Review

PLS Check Cashers is located at 140 W 36th Street in Midtown Manhattan, New York, in a busy commercial corridor near Port Authority. This standalone location operates around the clock, 24 hours a day, 7 days a week, making it accessible any time you need check cashing services in New York.

At this New York location, PLS Check Cashers provides fast check cashing, money transfers, bill payment services, and more. For questions about accepted check types, fees, or other services available at the 140 W 36th St. address, call +1 212-563-5568 and speak with staff at this Manhattan location.

When visiting this New York, NY store, bring a valid government-issued ID for check cashing transactions. The 24-hour availability makes it convenient for workers with non-traditional schedules or travelers needing same-day check cashing services in the city.

Services & Features

ATM access
Bill payment
Cash and coin exchange
Check cashing
Fax and copy services
Foreign exchange
Government benefits access and payment
Money orders
Notary public services
Phone top-ups
Ria Money Transfer (domestic and international wire transfers)
Xpectations! PLUS Debit Mastercard prepaid cards

Feature Checklist

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

Pros & Cons

Pros

  • 24/7 operational hours at all locations including transportation/registration services
  • Multi-state presence across 11 states with multiple store locations
  • Comprehensive service integration including government benefits access and foreign exchange
  • Notary services available for official document certification
  • Ria Money Transfer partnership enabling domestic and international transfers
  • Branded prepaid debit card (Xpectations! PLUS Mastercard) with mobile app
  • Additional services like fax, copy, phone top-ups, and cash/coin exchange

Cons

  • Check cashing and related services involve consumer fees that reduce net cash received
  • Prepaid debit card model typically includes monthly maintenance fees and transaction costs
  • No listed pricing information available on website for check cashing fees or rates
  • Limited to alternative financial services rather than true banking (no interest-bearing accounts)
  • Business model targets unbanked/underbanked consumers, suggesting higher transaction costs than traditional banks

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in New York, NY. It does not confirm that PLS Check Cashers or this specific location is licensed.

State regulator

New York Department of Financial Services

Money services context in New York

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.

Key state rules to check

  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does PLS Check Cashers offer?

PLS Check Cashers offers 12 services including Check cashing, Money orders, Bill payment, Ria Money Transfer (domestic and international wire transfers), Government benefits access and payment, and 7 more.

What profile signals are listed for PLS Check Cashers?

PLS Check Cashers has profile signals associated with Unbanked or underbanked consumers needing immediate check conversion without a bank account, Individuals requiring 24/7 access to financial services beyond traditional banking hours, Small business owners seeking check cashing and bill payment services for business operations.

What are the strengths and weaknesses of PLS Check Cashers?

Key strengths: 24/7 operational hours at all locations including transportation/registration services; Multi-state presence across 11 states with multiple store locations; Comprehensive service integration including government benefits access and foreign exchange. Areas to consider: Check cashing and related services involve consumer fees that reduce net cash received; Prepaid debit card model typically includes monthly maintenance fees and transaction costs.

How does PLS Check Cashers compare to similar companies?

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.

Quick Facts

Headquarters
140 W 36th St., New York, NY 10018
BBB Accredited
No
Visit PLS Check Cashers

CreditDoc Profile Note

Research Note on PLS Check Cashers

PLS Check Cashers is profile signals for consumers without traditional bank accounts who need immediate check conversion, money transfers, or bill payment services, particularly those requiring 24/7 availability. The primary caveat is that all services involve fees; consumers should compare costs against traditional banking alternatives and understand that prepaid cards carry ongoing maintenance expenses that banking accounts do not.

Profile Signals

  • Unbanked or underbanked consumers needing immediate check conversion without a bank account
  • Individuals requiring 24/7 access to financial services beyond traditional banking hours
  • Small business owners seeking check cashing and bill payment services for business operations
Updated 2026-05-08

Similar Companies

10th Avenue Check Cashing Corporation logo

10th Avenue Check Cashing Corporation

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.

BBB: NR

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 logo

A & S Foreign Exchange Inc

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.

BBB: NR

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

E Z Money LLC logo

E Z Money LLC

Multi-service financial center offering check cashing, payday loans, prepaid cards, and money transfers. Licensed in Iowa, Michigan, Missouri, and North Dakota.

BBB: NR

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

Compare Your Needs With PLS Check Cashers

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Quick Summary

  • PLS Check Cashers is listed as a Check Cashing & Money Services provider in New York, NY on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

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