How To Cash A Check At ACE Cash Express

How To Cash A Check At ACE Cash Express

Cash is the most common form of payment in the world. It’s easy to do and can help you get you to make your purchases on the net amount. However, digital ways of payment surpass cash handling. But checks are used widely.

One may get his payment in check or arrears from any organization or company. Still, you have to use the checks. Once you get a check, you don’t have enough time to deposit it into your account or cash it by visiting the bank. You can save yourself from this hassle by visiting a store that provides check cashing services 24/7. ACE CASH EXPRESS is one of them that provides check cashing services without any time limitation 24/7. So in this article, we will describe how to cash a check at ACE cash express.

What type of checks does ACE cash?

At ACE, various types of checks are cashed. There is no maximum limit to cash a check. As far as possible, your check is legitimate and valid. You are good to go at ACE. The checks that ACE handles widely are:

  • Government checks
  • Stimulus and TAX refund checks
  • Money orders
  • Out-of-state checks
  • Paycheck
  • Traveler’s checks
  • Personal checks
  • Third-party checks
  • Insurance checks
  • Cashier checks

The amount written on the check can’t be altered. In such a scenario, ACE won’t cash the check. But it’s necessary to have a valid form of ID to cash a check at ACE.

Using a different form of ID To cash a check at ACE.

You can use any Valid form of ID to cash your check at ACE. These IDs include

  • State photo id
  • Driving license
  • Military ID
  • Passport
  • Visa
  • Arms license

How to cash a check at ACE step-by-step guide

To cash a check at ACE, follow the steps below to save time and hassle.


Before cashing the check, ensure it is endorsed correctly, and you have signed it.


Now present your check and valid ID to the representative at duty.


Now the representative may ask for personal information, your residential address etc. It will save you and the country from money fraud and money laundering issues.


After verification, the check amount will be paid to you after deducting the cashing fee.

Ace mobile check cashing:

You can also cash your checks 24/7 using the ACE mobile deposit app. Just take pictures of the front and back of the check and upload them on the app. After verification, the check amount will be transferred to your prepaid ACE card or registered account with the ACE app. Then you can use a debit card to withdraw the amount.

What are the check cashing fees for checking different checks at ACE?

ACE has a different check cashing fee charge policy for each type of check and the location you are cashing your check. Generally, a fee of $3 is deducted while cashing a check upto $500, which increases respectively. The fee structure for AMSCOT is below:

Check TypeFee (Percentage of Total Check Amount)
Cashier’s checks3.9% to 4.9%
Government checks2%
Insurance check3.9% to 4.9%
Payroll check2%
Personal checks2% to 6%
Tax refund checks2.5%
Handwritten checks2%
Direct deposit into ACE prepaid card2%

This table provides a quick reference guide for the fees associated with various types of checks.

  • Cashier’s checks:

3.9% to 4.9% of the total check amount.

  • Government checks:

2% of the total check amount.

  • Insurance check:

3.9% to 4.9% of the total check amount.

  • Payroll check:

2% of the total check amount.

  • Personal checks:

2% to 6% of the total check amount.

  • Tax refund checks:

2.5% of the total check amount.

  • Handwritten checks:

2% of the total check amount.

  • Direct deposit into ACE prepaid card:

2% of the total amount.

AMSCOT check cashing timings

There are specific store timings to be bound when you cash your check using the ACE service. ACE services are available 24/7 but with some time. Even on Sundays, people are entertained. The timings are as below:

Here is a table that summarizes the store timings for cashing a check using the AMSCOT service:

Monday9 am – 7 pm
Tuesday9 am – 7 pm
Wednesday9 am – 7 pm
Thursday9 am – 7 pm
Friday9 am – 7 pm
Saturday9 am – 5 pm
Sunday10 am – 3 pm

ACE extra costs

When at ACE, you may use some services from the storefront. But it would be best if you had an idea about the cost of each service you will avail of at ACE. Some of their charges are:

  • Copies:


  • Envelopes:


  • Faxes (Sent or Received):

$3 for the first page and $1 for each additional page within the U.S.; $6 and up for international faxes

  • In-store ATMs:

Fees vary

  • Money orders:

Free to purchase

  • Notary:

$10.00 per stamp

  • Prepaid ACE Mastercards:

Monthly fee of $5.95

ACE other services

In addition to checking to cash, ACE also provides many financial services that include:

Cash advance

This service offers a payday loan from ACE to fulfil your urgent cash need. You must write a post-dated check to the ACE, including the loan’s interest amount. Then you can avail of this service.

Money order

Most places will charge you a fee for the money order, but this service is free at ACE. But if I make a money order, I lose you there will be a deduction fee of around $10.

Pre paid credit

At ACE, you can use a prepaid credit card service to pay your bills and use it for online shopping. Just visit the ACE and apply for it now.

Bill payments

You can pay your local utility bills at ACE. There is no need to pay individual bills to each company. At ACE, all these services are available at your local location.

ACE check cashing policy

There are certain validations and policies for cashing checks at ACE. You must know these policies to have a much smoother experience at ACE.

  • Check you are cashing at ACE is valid and not outdated.
  • There is no bargaining policy for cashing checks; the fees are fixed.
  • As the check amount rises, the fee may increase also.
  • If a check gets bounced, the person cashing the check will be responsible and legal actions will be taken against him by the corporation.
  • It may take upto seven days to verify personal checks at ACE according to company policy to reduce risk.


We hope this article has helped you a lot with your query. If you have any questions, please let us know in the comments.


Q: Can I use the advanced cash service at ACE without a check?

No, you can’t use the service without a check because a check is collected as a form of security.

Q: What things are necessary to cash a check?

Only a valid check and a valid form of ID are required to cash a check at ACE.

Q: Can I cash my check at ACE on Sunday?

Yes, you can cash checks 24/7 at AMSCOT. But on Sunday the stores are open from 10 am to 3 pm.

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