ACE Cash Express is one of the largest check cashing providers in the United States, with thousands of locations nationwide. Many people use ACE to cash checks quickly without a traditional bank account. This guide explains how ACE check cashing works, what types of checks are accepted, typical fees and limits, and what you need to bring.
Quick answer: Yes, ACE Cash Express cashes checks at most locations, including payroll, government, tax refund, and insurance settlement checks.
If you’re comparing options, see our full overview of check cashing services.
Does ACE Cash Express Cash Checks?
Yes. ACE Cash Express specializes in check cashing and related financial services. Most locations cash a wide range of checks, often with fewer restrictions than grocery stores or banks.
Policies, fees, and limits may vary by state and location.
Types of Checks ACE Typically Accepts
- Payroll checks
- Government checks
- Tax refund checks
- Insurance settlement checks
- Some personal checks (location dependent)
ACE generally does not cash:
- Third-party checks
- Foreign checks
- Business or corporate checks
Calling ahead is recommended to confirm accepted check types.
ACE Check Cashing Fees and Limits
ACE Cash Express sets fees and limits based on state regulations, check type, and check amount.
| Category | Typical Range |
|---|---|
| Check cashing fee | 1%–10% of the check amount (varies by state) |
| Maximum check amount | $1,000–$5,000 (location dependent) |
| Daily limits | May apply |
Fees at ACE are usually higher than grocery stores but comparable to other dedicated check cashing locations.
ID Requirements at ACE
To cash a check at ACE Cash Express, you typically need:
- Valid government-issued photo ID
- The original check made payable to you
- Proper endorsement completed at the counter
Some locations may request additional verification for larger checks.
How to Cash a Check at ACE Cash Express
- Visit an ACE Cash Express location.
- Present your check and photo ID.
- Pay the check cashing fee.
- Receive your cash once the check is approved.
Most transactions are completed during the same visit.
ACE Check Cashing FAQs
Does ACE Cash Personal Checks?
Some ACE locations cash personal checks, but acceptance varies by store and region.
Is ACE Check Cashing Instant?
Yes. Approved checks are typically cashed immediately at the counter.
Do You Need a Bank Account to Use ACE?
No. ACE Cash Express is designed for customers without traditional bank accounts.
Bottom Line
ACE Cash Express is a reliable option for cashing payroll, government, and other eligible checks quickly. Fees are higher than grocery stores, but availability, speed, and acceptance make ACE a popular choice for immediate cash access.
To compare lower-cost options, explore our check cashing guides.