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Macclenny Western Union at 1436 FL-121 offers check-cashing and money transfer services daily from 7AM to 10PM.
Data compiled from public sources
Located at 1436 FL-121 in Macclenny, FL, this standalone Western Union provides essential financial services to Baker County residents. The branch is open every day from 7AM to 10PM, giving Macclenny customers flexible access to check-cashing services. This location in Macclenny serves as a reliable resource for quick financial transactions.
The Western Union in Macclenny, FL handles check-cashing, money transfers, and other financial services. Customers can reach the location at +1 904-259-7386 to ask about specific services or confirm availability. The knowledgeable staff is ready to assist with your financial needs.
When visiting this Macclenny Western Union, bring a valid government-issued photo ID and your check. The extended hours (7AM-10PM daily) make it convenient for working professionals and families. This location provides the quick, reliable service you expect from Western Union.
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
This is state-level context for Check Cashing & Money Services consumers in Macclenny, FL. It does not confirm that Western Union or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Short-term lending status: Legal
General rate context: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Western Union offers 12 services including Domestic and international money transfers, Cash pickup at agent locations, Online money transfer initiation (WU.com) with in-store completion, Money orders, Bill payment services, and 7 more.
Western Union has profile signals associated with Immigrants and international workers sending remittances to family members in home countries, Unbanked and underbanked consumers without access to traditional checking accounts, Consumers in rural or underserved areas where traditional banks are unavailable, Businesses requiring bill payment solutions through retail locations.
Key strengths: Extensive physical agent network (150+ locations visible in single state search) providing accessibility for unbanked/underbanked consumers; 24/7 online transaction initiation through WU.com with flexible completion methods (in-store pickup or card delivery); Multilingual platform support across six languages including Spanish, Haitian Creole, Chinese, French, and Vietnamese. Areas to consider: Transaction fees are higher in listed context than digital-only competitors like Wise, PayPal, or Google Pay; Requires physical agent location visit for cash pickups (not available 24/7 everywhere—many agents close overnight).
In the Check Cashing & Money Services category, comparable providers include Check Cashing Store, Check Cashing USA, Check Cashing USA. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Western Union is profile signals for consumers in underbanked communities, international remittance senders, and those without traditional bank accounts who need reliable money transfer services. The primary caveat is that fees are significantly higher than modern digital alternatives, making it suitable mainly for users prioritizing physical location access and multilingual support over cost optimization.
The Check Cashing Store offers check cashing, payday loans ($100-$1,000), money orders, and MoneyGram services across Florida with over 30 years of operating history.
Profile signals: Consumers needing immediate check cashing with same-day access in the Miami area, Short-term borrowers seeking payday loans with flexible repayment periods (7-90 days) rather than standard 2-week terms
Check Cashing USA Hallandale Beach, Florida — Check Cashing USA offers check cashing, money orders, and wire transfers at their Hallandale Beach, FL loc...
Profile signals: Unbanked and underbanked individuals who are researching short-term cash access without a bank account, Workers with irregular pay schedules who need check cashing outside standard banking hours
Check Cashing USA offers check cashing, payday loans, installment loans, prepaid debit cards, money orders, and wire transfers at their Hialeah, FL location with extended hours.
Profile signals: Unbanked or underbanked workers needing immediate paycheck access without a bank account, Individuals without access to credit who face genuine emergencies requiring short-term cash access
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