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USA Check Center (formerly Check Center)
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Vigo in West New York, NJ
Western Union agent network offering money transfer, check cashing, and bill payment services through 46+ Colorado locations including grocery stores and specialty shops.
Data compiled from public sources · Rating from CreditDoc methodology
Vigo Review
Western Union is a global money transfer and financial services company that operates through a network of agent locations rather than company-owned branches. The Vigo website appears to be a Western Union agent locator serving Colorado and surrounding regions, displaying 46 active agent locations where consumers can access Western Union services. The company has been a dominant player in international and domestic money transfer for decades, leveraging third-party retail partners to distribute its services widely.
Western Union's agent model allows it to reach underbanked and unbanked populations through convenient neighborhood locations like grocery stores, check-cashing shops, and small markets. The services available through these Colorado agents include sending and receiving money domestically and internationally, cashing checks, paying bills, purchasing mobile top-ups, and accessing prepaid card services. Consumers can track transfers in real-time, manage receivers, and access their transaction history online or through mobile apps.
The agent network approach provides accessibility but means service hours and capabilities vary by location. Compared to traditional banks, Western Union charges fees for transfers and transactions, making it more expensive for routine financial services but valuable for fast international remittance and cash access in underserved areas.
Services & Features
Bill payment services
Check cashing
Domestic money transfer (send and receive cash in the US)
Inmate payment services
International money transfer
Mobile top-up (prepaid phone credit)
Money orders
Multi-language support for financial transactions
Prepaid card delivery options
Transfer tracking and history management
Western Union Prepaid card services
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extensive agent network with 46+ Colorado locations in neighborhoods, making services physically accessible
- Multiple service options including domestic/international money transfer, check cashing, bill payment, and mobile top-up
- Real-time transfer tracking and online account management through web and mobile platforms
- Multi-language support including English, Spanish, Haitian Creole, Chinese, French, and Vietnamese
- Extended service hours at many locations, with some agents opening early (8:00 AM) and staying open late
- Western Union Rewards program and referral incentives for frequent users
- Ability to receive money directly on prepaid cards for recipients without bank accounts
Cons
- Transaction fees for money transfers and check cashing are significantly higher than banks or credit unions
- Service availability and hours vary substantially by agent location (e.g., 8:00 AM to 11:00 AM opening times)
- Limited financial services compared to banks—no deposit accounts, lending products, or investment services
- Agent locations are third-party retailers with varying service quality and customer service standards
- Competitive disadvantage versus digital transfer apps and peer-to-peer payment platforms for domestic transfers
Rating Breakdown
Value 2.0
Effectiveness 1.0
Customer Service 2.2
Transparency 2.0
Ease of Use 3.7
Frequently Asked Questions
Is Vigo legitimate?
Yes. Vigo is a registered company, headquartered in Lucy Group Inc, 444 W 61st St, West New York, NJ 07093.
Quick Facts
- Headquarters
- Lucy Group Inc, 444 W 61st St, West New York, NJ 07093
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Vigo
Western Union is best for unbanked or underbanked consumers, international remittance senders, and non-English speakers needing convenient access to money transfer and cash services through neighborhood agent locations. The primary caveat is that transaction fees are substantially higher than banks or digital alternatives, making Western Union expensive for routine financial needs but justified for fast, reliable international transfers and cash access in underserved areas.
Best For
- Unbanked and underbanked consumers needing fast cash access and money transfer services
- International remittance senders supporting family abroad who need reliable, traceable transfers
- Non-English speakers in Colorado's Latino and immigrant communities using multilingual support
- Consumers without credit cards or bank accounts needing bill payment and check cashing services
Updated 2026-04-29
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