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PLS Cash is a convenient option for those in need of financial services. They offer a wide range of services, including check cashing and money orders.
You can cash a money order at PLS Cash, but it's essential to check their fees and policies first. Some locations may have specific requirements or restrictions.
PLS Cash has a user-friendly process for cashing money orders, and most locations have extended hours to accommodate different schedules.
If this caught your attention, see: Walmart Money Check Cashing
What Is Check Cashing?
Check cashing services like PLS Check Cashing offer a convenient financial solution for individuals seeking to quickly cash their checks. They provide a seamless process that saves both time and energy.
With multiple branches nationwide, PLS stands as a hassle-free choice, granting easy access to funds without the typical banking formalities.
Related reading: How to Check If You Have Money in 401k
Types of Checks
At PLS, you can cash a variety of checks with ease. They accept payroll checks, which are commonly issued by employers to their employees.
Explore further: Does Pls Cash Personal Checks
PLS also cashes tax refund checks, government checks, and insurance checks. These types of checks are often used for specific purposes, but at PLS, you can access your funds quickly and conveniently.
Some other types of checks you can cash at PLS include personal checks and pre-printed money orders. Personal checks are often used for everyday transactions, while pre-printed money orders are a convenient way to send money to others.
Here are some examples of the types of checks PLS accepts:
- Payroll checks
- Tax refund checks
- Government checks
- Insurance checks
- Personal checks
- Pre-printed money orders
Check Types
At PLS, you can cash a variety of checks, making it easy to access your funds quickly and conveniently.
Their check cashing services cover payroll checks, which are a common type of check many people receive.
Tax refund checks are also accepted, which can be a welcome surprise after filing your taxes.
Government checks, such as Social Security checks, are another type of check that PLS accepts.
Insurance checks are also accepted, which can be a relief for those who need to cash them.
Personal checks are also accepted, giving you more options for accessing your funds.
Pre-printed money orders are also accepted, which can be a convenient alternative to cash.
Here are some examples of the types of checks PLS accepts:
- Payroll checks
- Tax refund checks
- Government checks
- Insurance checks
- Personal checks
- Pre-printed money orders
The Issuer
You can visit a location of the money order issuer to cash a money order without a bank account. Try visiting a post office to cash a USPS money order, or a Western Union office to cash a Western Union money order.
Working directly with the issuer can help you minimize fees, and increase your chances of getting 100% of the cash quickly. Some offices won't cash your money order even if they sell them.
Curious to learn more? Check out: How to Fill Out Western Union Money Orders
Fees and Costs
You'll typically pay a fee when cashing a money order at a store like PLS, and these fees can add up quickly. The fee for cashing a money order at PLS can vary based on the type and amount of the check.
For smaller checks, like payroll checks and government benefits, the fee at PLS is 1% + $1, but for larger checks and other types of checks, the rate will be higher. In New York, PLS lowered their check cashing rates to 1.99% for cashing payroll checks, recurring government benefits, and PLS Money Orders.
Some stores, like Walmart, have a maximum fee for cashing money orders, which is $4 if the value is $1,000 or less, or $8 if the value is $1,001 to $5,000.
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Fees and Costs
Cashing a check or money order can come with some fees, so it's good to know what to expect. PLS, a popular check cashing service, charges a fee of 1% + $1 for payroll checks, recurring government benefits, and PLS money orders up to $1,000.
However, fees can vary depending on the type and amount of the check. For larger checks or money orders not issued by PLS, fees may be higher. In New York, PLS lowered their check cashing rates to 1.99% for cashing payroll checks, recurring government benefits, and PLS Money Orders.
Walmart, on the other hand, has a maximum fee of $4 for cashing a money order issued by MoneyGram if the value is $1,000 or less. This fee increases to $8 for money orders valued between $1,001 and $5,000.
To cash a check at PLS, you'll need a valid, government-issued photo ID. It's a good idea to check with a store associate for more information on fees and what to expect.
Here's an interesting read: How Long Are Federal Money Orders Good for
Here's a breakdown of the fees you might encounter at PLS:
- Payroll checks, recurring government benefits, and PLS money orders up to $1,000: 1% + $1
- Larger checks and money orders not issued by PLS: variable fees
- New York: 1.99% for cashing payroll checks, recurring government benefits, and PLS Money Orders
If you receive multiple money orders per month, it might be worth considering opening an account at a bank or credit union to avoid high fees.
Shelf Life
Money orders don't expire, but locations that cash them may have their own policies. Huntington will cash money orders up to one year from the issue date for customers.
Locations that cash money orders may have different policies, so it's essential to check with them beforehand. Huntington will not cash money orders for non-customers.
If your money order is older than a year, you'll need to take it to the place that issued it to cash it.
How to Cash a Check
Cashing a check at PLS is a straightforward process. You'll need a valid government-issued photo ID, such as a driver's license or passport, to verify your identity.
To get started, sign the back of the check in the presence of the cashier. This is a required step to ensure the check is legitimate.
You'll also need to bring your ID and the endorsed check to the cashier for verification. They'll review the check and your ID to ensure everything is in order.
The associated fee for cashing a check at PLS will be indicated by the cashier. You can choose to cover the fee as part of the process.
Once the check is verified and the fee is covered, the cashier will hand you the cash. That's it – you'll have your money in hand.
Here's a quick rundown of the steps to cash a check at PLS:
- Bring a valid government-issued photo ID and the check to the cashier.
- Sign the back of the check in the presence of the cashier.
- Verify the check and your ID with the cashier.
- Cover the associated fee for cashing the check.
- Collect your cash from the cashier upon completion.
Frequently Asked Questions
Can a money order be cashed anywhere?
Money orders can be cashed at Post Offices, most banks, and some stores, but not all locations accept them. Check with the specific business before attempting to cash a money order.
Can you cash a money order at a grocery store?
Yes, you can cash a money order at a grocery store, but check with them first to see if they offer this service and if they charge a fee. Some grocery stores may cash money orders, but it's not a guarantee.
Does Walmart cash money orders?
Walmart cashes Western Union and MoneyGram money orders, but check cashing fees may apply. Check with your local Walmart for specific details.
Sources
- https://orderific.com/blog/pls-check-cashiers/
- https://www.thebalancemoney.com/cash-a-money-order-315049
- https://www.westernunion.com/us/en/money-order.html
- https://www.prnewswire.com/news-releases/pls-lowered-check-cashing-rates-in-new-york-during-these-challenging-times-301518515.html
- https://www.huntington.com/learn/checking-basics/cash-money-order
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