Union City Check Cashing Services logo

Union City Check Cashing Services in Union City, NJ

2.3/5

Union City Check Cashing Services offers check cashing, money orders, wire transfers, and bill payment services at their 38th Street location in Union City, NJ.

Data compiled from public sources · Rating from CreditDoc methodology

Union City Check Cashing Services Review

Union City Check Cashing Services operates as a traditional check-cashing and financial services provider located in Union City, New Jersey. The business serves the local community by providing essential cash access and transaction services for residents and workers who may lack traditional bank accounts or need immediate liquidity.

The company offers a range of financial transaction services including check cashing, money orders, wire transfers, and bill payment processing. These services are designed to help individuals who need quick access to funds from checks or need to send money domestically or internationally without relying on traditional banking infrastructure.

The business maintains extended operating hours that cater to working individuals, staying open until 5 PM on weekdays (6 PM on Friday) and offering Saturday morning service from 10 AM to 12 PM. This scheduling accessibility is a practical advantage for customers who work standard business hours and need evening or weekend service options. The company is reachable by phone at (201) 867-4123 for customer inquiries.

As a check-cashing and money services provider, Union City Check Cashing Services fills an important niche for unbanked and underbanked populations. However, check-cashing services typically involve transaction fees that can be substantial, particularly for larger checks. Customers should understand that while the service provides convenience and speed, the cost per transaction may be higher than traditional bank services for frequent users.

Services & Features

Bill payment processing
Check cashing
Local financial transaction services
Money orders
Wire transfers

Feature Checklist

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

Pros & Cons

Pros

  • Extended weekday hours until 5 PM (6 PM Friday) accommodates working customers
  • Saturday morning service (10 AM-12 PM) provides weekend access
  • Multiple services in one location: check cashing, money orders, wire transfers, and bill payment
  • Local physical storefront in accessible Union City location (200 38th St)
  • Direct phone contact available at (201) 867-4123 for service inquiries
  • Serves underbanked populations who may lack traditional bank account access

Cons

  • Check-cashing fees typically apply per transaction and can be substantial for large checks
  • Limited Saturday hours (only 10 AM-12 PM) may not accommodate all weekend needs
  • No online or mobile service options mentioned; requires in-person visit
  • Wire transfer and money order services typically carry additional fees beyond base check-cashing costs
  • No information provided about ID requirements, hold periods, or transaction limits

Rating Breakdown

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

Frequently Asked Questions

Is Union City Check Cashing Services legitimate?

Yes. Union City Check Cashing Services is a registered company, headquartered in 200 38th St, Union City, NJ 07087.

Quick Facts

Headquarters
200 38th St, Union City, NJ 07087
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No

No Website Currently Available

CreditDoc Diagnosis

Doctor's Verdict on Union City Check Cashing Services

Union City Check Cashing Services is best for unbanked or underbanked individuals in the Union City area who need immediate check cashing, money transfer, or bill payment services. The primary caveat is that check-cashing fees can accumulate quickly for frequent users, making traditional banking a more economical long-term option if account eligibility is available.

Best For

  • Unbanked or underbanked individuals without traditional bank accounts
  • Workers paid by check who need immediate same-day access to funds
  • Customers needing to send domestic or international wire transfers quickly
  • Local Union City, NJ residents seeking convenient bill payment services
Updated 2026-04-29

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