ACE Check Cashing is one of the most widely used options for people who need fast access to their money. Whether you’re cashing a paycheck, government check, or personal check, ACE Cash Express offers same-day cash with extended hours and no bank account required. This guide explains how ACE check cashing works, which checks they accept, fees, ID requirements, and what to expect at your local ACE location.
What Is ACE Check Cashing?
ACE Check Cashing is a service available at ACE Cash Express stores nationwide. Customers can cash a variety of checks and receive their funds immediately. It’s a convenient choice for anyone who needs quick access to money without waiting for a bank deposit to clear.
Why People Use ACE Check Cashing
- Instant cash — no waiting period.
- Extended hours — many locations are open late and on weekends.
- No bank account needed — ideal for unbanked or underbanked customers.
- Clear fees — ACE shows the cost upfront before completing the transaction.
How ACE Check Cashing Works
- Bring your check to any ACE Cash Express store.
- Show a valid ID such as a driver’s license, state ID, or passport.
- ACE verifies the check using their internal systems.
- Review the fee based on the type and amount of the check.
- Receive your cash instantly once approved.
Types of Checks ACE Cashes
- Payroll checks
- Government checks — Social Security, unemployment, tax refunds
- Tax refund checks
- Personal checks
- Money orders
- Insurance checks
- Business checks
ACE Check Cashing Fees
Fees vary by location, check type, and state regulations. ACE always displays the cost before completing the transaction. Typical fee ranges include:
- Payroll checks: Around 2% or more
- Government checks: Often 1%–2%
- Personal checks: Higher fees (approximately 2%–5%)
Note: Fees differ by store and state. Contact your nearest ACE location for exact pricing.
Requirements for ACE Check Cashing
- Valid government-issued ID
- Successful verification of the check details
ACE Check Cashing Locations
ACE Cash Express has more than 900 locations across the U.S. You can find a nearby store using ACE’s official store locator.
Frequently Asked Questions
How long does ACE check cashing take? Most transactions take only a few minutes once your ID and check are verified.
Does ACE require ID? Yes, all customers must present a valid government-issued ID.
Why was my check declined? Reasons may include verification issues, insufficient funds, or store-level risk policies.
Can non-U.S. citizens cash checks at ACE? Yes — as long as they have valid government-issued identification.
Is ACE Check Cashing a Good Option?
ACE Cash Express is a reliable choice for anyone who needs fast, convenient check cashing without a bank account. With extended hours, instant cash, and clear pricing, ACE is one of the most accessible check-cashing providers available.
For more check-cashing options, see our Alternatives to Check Cashing guide.