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Western Union in Jersey City, NJ

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Jersey City, NJ – Western Union at 358 Grove St Ste 2 provides check cashing and money transfer services.

Data compiled from public sources

Western Union Review

This Western Union location sits at 358 Grove St Ste 2 in Jersey City, NJ. The standalone branch is open Monday through Friday from 9 AM to 5 PM, Saturday 9 AM to 3 PM, and closed Sundays. It's a convenient check-cashing and money transfer hub for Jersey City residents and visitors.

The Jersey City Western Union provides check cashing, money transfers, bill payments, and related financial services. For account-specific questions or to confirm services for your needs, call +1 201-432-6549 during business hours.

When visiting this location in Jersey City, bring a valid government-issued ID for all transactions. Check-cashing typically requires an ID and the check itself; money transfers require proper identification and beneficiary details. This standalone branch serves the Grove Street area with reliable access to Western Union services.

Services & Features

Bill payment services
Cash pickup at agent locations
Domestic and international money wire transfers
Inmate payment services
Mobile top-up services
Money orders (location-dependent)
Online transfer initiation via WU.com
Real-time transfer tracking
Receive money on a card
Referral bonuses
Western Union Prepaid card services
Western Union Rewards program

Feature Checklist

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

Pros & Cons

Pros

  • Extensive physical network with 150+ locations in Colorado alone, distributed across major retailers (Walmart, City Market, Safeway, Circle K, Kroger)
  • 24/7 online initiation of transfers via WU.com with flexible in-store payment options
  • Extended agent hours at many locations (some open until 11:59 PM), improving accessibility
  • Multilingual support in 6 languages (English, Spanish, Haitian Creole, Chinese, French, Vietnamese)
  • Real-time transfer tracking and multiple service options (wire transfers, cash pickup, bill payment, money orders, mobile top-up, prepaid cards)
  • Rewards program and referral bonuses for repeat users
  • Integration with major retailers reduces inconvenience of dedicated storefronts

Cons

  • Fees for money transfers and money orders are not transparently displayed on the site; customers must request estimates per transaction
  • Service availability varies significantly by location—some agents only offer money orders, not full transfer services
  • Reliance on third-party retail agents means service hours are location-dependent; 24/7 online access does not equal 24/7 cash pickup
  • No traditional banking services (checking accounts, savings accounts, CDs) despite being a major financial services provider
  • Orange Wallet payment method was temporarily unavailable during the time of these screenshots, indicating potential service disruptions

Consumer Complaint Record

Western Union received 491 consumer complaints in the past 12 months. All complaints received a timely response from the company.

491

Complaints (12 months)

1.0%

Resolved with relief

Stable

Complaint trend

Most Common Complaint Categories

Other transaction problem
22.8%
Fraud or scam
21.2%
Money was not available when promised
17.6%

Source: Consumer Financial Protection Bureau

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in Jersey City, NJ. It does not confirm that Western Union or this specific location is licensed.

State regulator

New Jersey Department of Banking and Insurance

Money services context in New Jersey

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.

Key state rules to check

  • Payday lending is banned; New Jersey does not license payday lenders.
  • Criminal usury threshold is 30% for consumer loans.
  • Licensed consumer lenders under the New Jersey Licensed Lenders Act.

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 Western Union offer?

Western Union offers 12 services including Domestic and international money wire transfers, Cash pickup at agent locations, Money orders (location-dependent), Bill payment services, Real-time transfer tracking, and 7 more.

What profile signals are listed for Western Union?

Western Union has profile signals associated with Consumers sending money internationally to family or contacts in countries with Western Union infrastructure, Individuals needing cash pickup services without maintaining a traditional bank account, Multilingual speakers, particularly Spanish, Haitian Creole, Chinese, French, or Vietnamese speakers in underserved communities, Customers who value convenience of agent locations embedded in grocery stores and major retailers they already visit.

What are the strengths and weaknesses of Western Union?

Key strengths: Extensive physical network with 150+ locations in Colorado alone, distributed across major retailers (Walmart, City Market, Safeway, Circle K, Kroger); 24/7 online initiation of transfers via WU.com with flexible in-store payment options; Extended agent hours at many locations (some open until 11:59 PM), improving accessibility. Areas to consider: Fees for money transfers and money orders are not transparently displayed on the site; customers must request estimates per transaction; Service availability varies significantly by location—some agents only offer money orders, not full transfer services.

How does Western Union compare to similar companies?

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.

Quick Facts

Headquarters
358 Grove St Ste 2, Jersey City, NJ 07302
BBB Accredited
No
Visit Western Union

CreditDoc Profile Note

Research Note on Western Union

Western Union is profile signals for consumers without traditional bank accounts who need to send money domestically or internationally, or who require cash access at convenient retail locations. The primary caveat is that service hours and available offerings vary significantly by agent location, and transfer fees are not transparently displayed online—customers must obtain estimates for each transaction to understand true costs.

Profile Signals

  • Consumers sending money internationally to family or contacts in countries with Western Union infrastructure
  • Individuals needing cash pickup services without maintaining a traditional bank account
  • Multilingual speakers, particularly Spanish, Haitian Creole, Chinese, French, or Vietnamese speakers in underserved communities
  • Customers who value convenience of agent locations embedded in grocery stores and major retailers they already visit
Updated 2026-05-08

Similar Companies

CFSC Checks Cashed Bergen Ave Jersey City logo

CFSC Checks Cashed Bergen Ave Jersey City

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.

BBB: NR

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

Check Cashing Services Inc logo

Check Cashing Services Inc

United Check Cashing operates 40+ locations across the Northeast and select markets, providing check cashing, money orders, and bill payment services.

BBB: NR

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 logo

Kwik Check Cashing

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.

BBB: NR

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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Quick Summary

  • Western Union is listed as a Check Cashing & Money Services provider in Jersey City, NJ 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.

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