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Western Union in Memphis, TN

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1620 Madison Ave, Memphis, TN features a Western Union location offering check cashing and money transfers, open daily 9AM-6PM.

Data compiled from public sources

Western Union Review

Western Union operates at 1620 Madison Ave in Memphis, TN as a standalone check-cashing and money transfer center. The location welcomes customers seven days a week with consistent 9AM-6PM hours, making it accessible whether you need services on a weekday or weekend.

This Memphis location offers full check cashing services, domestic and international money transfers, bill payment options, and money orders. Call +1 901-272-0171 to confirm specific services available, ask about transfer rates, or discuss payment methods accepted at this TN branch.

For Memphis residents, bring a valid government-issued ID when you visit to cash a check or send money. The daily 9AM-6PM hours mean you can stop by during work breaks or on the weekend, and the standalone location makes parking and access straightforward.

Services & Features

Bill payment services
Delivery method updates
Direct deposit to receiver's card
In-store cash pickup at agent locations
Inmate payment services
Mobile top-up services
Money orders
Online money transfer (domestic and international)
Price estimation tool
Real-time transfer tracking
Western Union Prepaid card services
Western Union Rewards loyalty program

Feature Checklist

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

Pros & Cons

Pros

  • 24/7 online money transfer initiation through WU.com
  • Extensive agent network with 150+ locations across the US
  • Partnership with major national retailers (Walmart, Safeway, City Market, Kroger) for accessibility
  • Multilingual support in 6 languages (English, Spanish, Haitian Creole, Chinese, French, Vietnamese)
  • Real-time transfer tracking capability
  • Multiple service options including bill payment, mobile top-up, and prepaid cards
  • Loyalty rewards program (Western Union Rewards)

Cons

  • Service hours vary by location and depend on retail partner hours, limiting late-night/weekend access
  • Website provides no listed pricing or fee information for cost comparison
  • Some agent locations offer limited services (e.g., money orders only), creating inconsistent availability
  • No indication of rate claims to verify or fee structure compared to alternatives
  • Website mentions temporary service unavailability (Orange wallet feature), suggesting potential system reliability issues

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 Memphis, TN. It does not confirm that Western Union or this specific location is licensed.

State regulator

Tennessee Department of Financial Institutions

Money services context in Tennessee

Short-term lending status: Legal

General rate context: 24% for consumer finance loans; payday loans regulated under Deferred Presentment Act

Tennessee allows payday lending with a $500 cap and 15% fee limit. Borrowers are limited to two simultaneous loans. The Department of Financial Institutions regulates all consumer lenders, and complaints can be filed with the Department or the Attorney General.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of 15% of the advance.
  • Maximum loan term is 31 days.
  • Borrowers limited to two outstanding payday loans at a time.

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 Online money transfer (domestic and international), In-store cash pickup at agent locations, Real-time transfer tracking, Bill payment services, Money orders, and 7 more.

What profile signals are listed for Western Union?

Western Union has profile signals associated with Customers sending money domestically or internationally with flexible pickup timing, Unbanked or underbanked individuals preferring in-person transactions at familiar retail locations, Multilingual speakers needing support in languages beyond English, Users who can access locations during standard retail operating hours.

What are the strengths and weaknesses of Western Union?

Key strengths: 24/7 online money transfer initiation through WU.com; Extensive agent network with 150+ locations across the US; Partnership with major national retailers (Walmart, Safeway, City Market, Kroger) for accessibility. Areas to consider: Service hours vary by location and depend on retail partner hours, limiting late-night/weekend access; Website provides no listed pricing or fee information for cost comparison.

How does Western Union compare to similar companies?

In the Check Cashing & Money Services category, comparable providers include Checks Cashed, Easy Cash Solutions, ERnet Envìos. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1620 Madison Ave, Memphis, TN 38104
BBB Accredited
No
Visit Western Union

CreditDoc Profile Note

Research Note on Western Union

Western Union is profile signals for consumers who need accessible money transfer services through physical retail locations and prefer in-person transactions, or those sending international remittances. The main caveat is that service depends on agent location hours and availability varies by location, plus the company provides minimal pricing transparency on its website.

Profile Signals

  • Customers sending money domestically or internationally with flexible pickup timing
  • Unbanked or underbanked individuals preferring in-person transactions at familiar retail locations
  • Multilingual speakers needing support in languages beyond English
  • Users who can access locations during standard retail operating hours
Updated 2026-05-08

Similar Companies

Checks Cashed logo

Checks Cashed

This is an Exxon gas station location in Memphis, TN offering convenience store services and fuel rewards—not a check-cashing business.

BBB: NR

Profile signals: Drivers needing 24/7 fuel access in Memphis, Commercial fleet operators with diesel requirements

Easy Cash Solutions logo

Easy Cash Solutions

Easy Cash Solutions offers check cashing services in Nashville, TN. Located on Murfreesboro Pike with extended hours.

BBB: NR

Profile signals: Customers researching short-term cash access conversion outside standard banking hours, Unbanked or underbanked individuals without access to traditional checking accounts

ERnet Envìos logo

ERnet Envìos

ERnet Envíos is a check-cashing and money transfer service in Nashville, TN offering financial transaction services to the local community.

BBB: NR

Profile signals: Nashville-area residents needing local check-cashing services, Customers preferring in-person transaction verification

Compare Your Needs With Western Union

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Quick Summary

  • Western Union is listed as a Check Cashing & Money Services provider in Memphis, TN 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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