PLS Financial Services is a nationwide provider of check cashing and alternative financial services. With locations in many major U.S. cities, PLS allows customers to cash checks quickly without needing a traditional bank account.
Short answer: Yes, PLS cashes checks at most locations, including payroll, government, tax refund, and insurance settlement checks.
This guide explains how PLS check cashing works, what checks are accepted, typical fees and limits, and what you need to bring.
Does PLS Cash Checks?
Yes. PLS Financial Services specializes in check cashing and related services such as money orders, bill pay, and prepaid debit cards. Most locations offer same-day check cashing for eligible checks.
Exact policies may vary by state and location.
Types of Checks PLS Typically Accepts
- Payroll checks
- Government checks
- Tax refund checks
- Insurance settlement checks
- Some personal checks (location dependent)
PLS generally does not accept:
- Third-party checks
- Foreign checks
- Business or corporate checks
Calling your local PLS location ahead of time is recommended.
PLS Check Cashing Fees and Limits
PLS check cashing fees and limits vary based on state law, check type, and check amount.
| Category | Typical Range |
|---|---|
| Check cashing fee | 1%–10% of the check amount (state dependent) |
| Maximum check amount | $1,000–$5,000 (location dependent) |
| Daily limits | May apply |
Compared to grocery stores, PLS fees are higher, but acceptance is broader and service is faster.
What ID Do You Need at PLS?
To cash a check at PLS Financial Services, you typically need:
- Valid government-issued photo ID
- The original check payable to you
- Proper endorsement completed at the counter
Additional verification may be required for large or unusual checks.
How to Cash a Check at PLS
- Visit a participating PLS Financial Services location.
- Present your check and photo ID.
- Pay the check cashing fee.
- Receive your cash after approval.
Most checks are processed and paid out during the same visit.
PLS Check Cashing FAQs
Does PLS Cash Personal Checks?
Some locations cash personal checks, but acceptance depends on store policy and local regulations.
Is PLS Check Cashing Instant?
Yes. Approved checks are usually cashed immediately at the counter.
Do You Need a Bank Account?
No. PLS is designed for unbanked and underbanked customers.
Final Thoughts
PLS Financial Services is a solid option for fast check cashing when banks or grocery stores are unavailable. While fees are higher, PLS offers broad acceptance, extended hours, and immediate access to cash.
For lower-cost alternatives, compare options in our check cashing guides.