Kansas City Supplemental Security Income Check Cashing Service

This describes Kansas City check cashing services article describes the how and where of Kansas City Supplemental Security Income check cashing. Waldo Financial provides Kansas City Supplemental Security Income Check Cashing services.

Are you wondering where you can cash your Supplemental Security Income check in the Kansas City area? Are you looking for a Kansas City Supplemental Security Income (SSI) Check Cashing service? If so, Waldo Financial can help you.

Waldo Financial is able to cash your SSI or disability checks. We charge a 3% fee to cash Kansas City SSI checks. You must sign the SSI check exactly as it is written. If the check is made out to you for a dependent then that is how you must sign the check.

Do not sign the check until you are at Waldo Financial. We would like to witness you signing the check. The reason for this is that we have had several recent instances where a check was deposited electronically and then brought into our location to be cashed. The other reason you do not want to walk around with a signed check is that if you lose it or it is stolen it is easier to get cashed somewhere else if it is signed.

Kansas City Supplemental Security Income Check Cashing Service

Kansas City Supplemental Security Income Check CashingTypically we do not have to get these types of checks verified. If the check is very old or looks different than similar checks that we have cashed we may call the United States Treasury Department. We to that to verify that the check is valid and that there are no stops or holds on the check.

Cash Your Kansas City SSI Check

If you come into our location to cash a SSI or disability check and you have never cashed a check with us before we will require that you have a valid picture identification card with you. One of our staff will then get you set up in the system. We will scan the identification card that you provided and fill out any pertinent information. Next, we will take a picture of you for our records. We may also have you fill out the basic information sheet. All this depends on the amount of the check that you are cashing. Once you are set up in the check cashing system you will be able to come in and cash any of the other check types that we cash.

Go to our Waldo Financial service center located at 8437 Wornall Road, Kansas City, MO for Kansas City Supplemental Security Income Check cashing services.

Kansas City Personal Check Cashing Service

This Kansas City personal check cashing service article describes cashing personal checks or “personal check cashing” in the Kansas City area.

About Kansas City Personal Check Cashing ServicesThe best kansas city personal check cashing service is Waldo Financial

Personal checks are some of the riskiest checks to cash for any business. Personal checks present a high risk for the check cashing company.

Due to the high risk in cashing personal checks, Waldo Financial charges a higher fee than when cashing business checks or tax refund checks. Personal checks are cashed at a 16% fee of the personal check amount.

Kansas Personal Check Cashing Service Verification

A personal check must be verified by 2 parties: the issuing bank, and the maker of the check.

Waldo Financial will first make contact the issuing bank listed on the check. We ask them to verify that a check can be cashed for three times the amount listed on the check.

Some banks like Bank of America will not verify the funds available on the checking account. Unfortunately we are unable to cash any check that cannot be verified by the issuing bank.

Secondly, we verify the check with the person that is listed as having written the check.

There are times when the phone number is on the body of the check and other times we have to do research to find that person’s contact information. We need a way to contact the issuer by phone to verify the check. We verify that they did in fact write the personal check to be cashed. We verify the amount of the personal check and the person that the check is made out to.

Kansas City personal check cashing services are hard to find. At Waldo Financial, we specialize in Kansas City personal check cashing and personal check cashing and business check cashing.

Contact Waldo Financial for your Kansas City personal check cashing service needs.

Kansas City Check Cashing Service: Tax Refund Checks

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This Kansas City check cashing service article describes tax refund check cashing. We answer your frequently asked questions on cashing your government tax refund.

This is the government tax refund time of year. So we’re writing to let you know the specifics for your Kansas City tax refund check cashing.

At Waldo Financial, we provided tax refund check cashing. We charge 3 to 6% of the check amount to cash your refund check. The exact amount depends on whether the check was issued by the United States Government, state or local government or whether it was issued by a tax preparing service.

Kansas City Tax Refund Check Cashing Feeskansas city check cashing service at Waldo Financial

A United States Treasury tax refund will incur a 3% charge of the tax refund check amount.

A state or local government tax refund check will incur a 3% charge on the Kansas City tax refund check amount.

US Treasury, state and local government checks usually do not require the checks to be verified. However if the check appears old or appears to be different looking than a normal check, we may call the tax refund check issuer to validate the check or ensure that there are no holds on the check.

If you are looking for a Kansas City check cashing service to cash a tax preparer issued tax refund check, we can help you. We do charge a 6% fee to cash this check type. We may need to verify the check in certain circumstances.

First Time At Waldo Financial Kansas City Check Cashing Service?

Are you a first-time check cashing user at Waldo Financial? If so, here is what to expect on your first visit to our Kansas City check cashing service center..

We require a valid picture identification card during your visit. Please present that identification card to our staff member so that we may create an account with you in our check cashing system.

Your ID card will be scanned while we briefly ask you pertinent information related to the check. We will take a picture of you for our records so be sure to smile big!

We may also have you complete a basic information sheet – depending on the check amount that you are cashing.

Once you are setup in our check cashing system, you will be able to come in and cash any of the other types of checks that we cash beyond just government tax refund checks.

Kansas City Government Check Cashing at Waldo Financial

This Kansas City government check cashing article describes the cashing of government checks. It’s often that people will call or walk-in asking about government check cashing.

Yes, Waldo Financial cashes all kinds of checks; including government checks or government-issued checks.

U.S. Treasury Check Cashing in Kansas CityKansas City government check cashing

Waldo Financial cashes U.S. Treasury checks for those on disability or those receiving social security benefits from the government.

Waldo also cashes U.S. Treasury checks that have been issued as tax refund checks.

Cashing State Checks in Kansas City

Waldo Financial of Kansas City also cashes state government checks that have been issued as tax refund checks, state unemployment checks state retirement pension checks.

Waldo’s Kansas City location will even cash an out-of-state issued government check.

Cashing Local Government Checks in Kansas City

Do you have a local government issued check that you want to cash? Waldo Financial cashes local government checks also.

Waldo Financial provides Kansas City check cashing issued by local municipal court for refunds, bail bond refunds or local tax refunds.

Kansas City Government Check Cashing Fees

Waldo charges 3% of the government check face amount.

Just bring take your check into their 8437 Wornall Road, Kansas City, MO location, along with a valid government issued identification card. Once the check has been verified, the check will be cashed. Please be sure NOT to endorse the check prior to visiting the Waldo store Kansas City check cashing location.

Other Kansas City Check Cashing Services

In addition to Kansas City government check cashing services, Waldo cashes payroll checks.

It does not matter whether the payroll check is hand-written or computer generated. Nor does it matter whether the payroll check is local or from out of state. Nor does it matter the amount of the check. Waldo Financial all payroll checks of all amounts. The check cashing fee to cash payroll checks is 3% of the payroll check amount.

Kansas City Check Cashing at Waldo Financial

When you need Kansas City government check cashing, cashier check cashing, personal check cashing, government check check cashing or money order cashing, see Waldo Financial. The entire check cashing process takes only a few minutes. Give them a call with any questions you may have. Their friendly staff is ready to serve you. Call that at 816-333-6800 or walk into their store location at 8437 Wornall Road in Kansas City, Missouri.

Kansas City Money Order Cashing

This check cashing article describes Kansas City money order cashing and what you need to know in advance when cashing a money order.

It is often that people will walk into our WaldoFinancial Kansas City check cashing location and ask whether or not we will cash money orders in addition to check cashing.

The answer is always: Yes, of course we do!

Money Order Cashing FeesKansas City Money Order Cashing

The next Kansas City money order cashing question that comes up is usually about is the cost of cashing the money order.

We charge a fee of 10% on all money orders unless we were the company that issued the money order.

If we issued the money order ourselves and the money order is brought back to us within a 24 hour period, we will cash the money order free of charge.

If the money order was issued more than 24 hours earlier, but within a week of the purchase date, we would charge 3% of the money order amount.

When the money order is older than a week old, the check cashing charge would be the same 10% fee that we charge on all other money orders.

Needed Documentation For Kansas City Money Order Cashing

When cashing a money order, we prefer that you can provide it to us with the stub attached.

Sometimes we will cash a money order without the stub. However, we would just have to verify the money order before cashing it.

Money Order Types That Can Be Cashed

The following is a list of some of the money order types that we cash at our WaldoFinancial.com Kansas City location:

  • Money gram
  • Western union
  • RGA
  • USPS
  • Chase 
  • 7-11

First Time Customer

If you have never cashed a check with us before, we will require that you have a valid picture identification card with you. With that, one of our staff will then get you set up in our system. We will scan the identification card that you provided and fill out any pertinent information. We will take a picture of you for our records. We may also have you fill out the basic information sheet. This is dependent on the amount of the money order that you are cashing.

Once you are set up in our Kansas City check cashing system you will be able to come in and cash any of the other check types that we cash.

When you’re ready to cash a check or cash a money order in Kansas City, come into our Waldo Financial location. We are located at 8437 Wornall Road, Kansas City, MO, 64114. Our phone is (816) 333-6800.

Why Use Kansas City Check Cashing Instead of Banks

A growing number of consumers are happily remaining unbanked and underbanked, relying on alternative financial services like Kansas City check cashing and prepaid cards instead of using bank services.

Why?

Because banks tend to be more expensive for people who live paycheck to paycheck and small business owners.

Kansas City check cashing servicesKansas City banks charge high fees for nearly everything. While a checking account may be free, there may be a minimum balance to maintain to avoid a monthly fee. If the balance dips too low and a transaction goes through, there’s another hefty overdraft fee. A bank will charge an average of $29 for every transaction that overdrafts the account — even if the balance only dips below $0 by a few dollars or the transactions themselves are low dollar.

Consumers also face a host of other fees like bounced check fees and many feel like they are being nickel and dimed to use their own money.

Predictable Kansas City Commercial Check Cashing

Kansas City commercial check cashing services come with a predictable and low upfront cost. Consumers know exactly what they will pay to use Kansas City check cashing providers. They won’t be charged hidden fees when using their money. There are no overdraft fees, no minimum balances, and no bounced check fees.

Check cashing is also provided by a locally-owned, small business. Many consumers have more trust in visiting a neighborhood storefront to conduct financial business rather than walking into an intimidating bank. Consumers today want customer service and neighborhood-based services, something that is lacking when it comes to big banks.

Waldo Financial is a leading Kansas City check cashing service provider with an affordable, honest pricing structure for Kansas City commercial check cashing services. Consumers can expect friendly service with a range of financial solutions that make it easy to pay bills, cover business expenses, and more. Get your Kansas City check cashing services here.

3 Reasons to Use a Check Cashing Service Instead of a Bank

This describes the three most common reasons Kansas City residents turn to  neighborhood check cashing services instead of banks.

There are more than 11,000 neighborhood financial services stores throughout the United States that cash over $180 million in checks every year. While traditional banking services can make more sense for many Americans, tens of thousands of consumers turn to check cashing services instead for a variety of reasons.

The following are the three of the most common reasons Kansas City residents turn to their neighborhood financial services center.

#1. Avoid the high costs of a bank
It’s estimated that 17 million people in the United States are “unbanked” while 45 million are “underbanked.” Banks are often an expensive solution for these consumers who may face bounced check fees, overdraft fees, insufficient balance fees, and monthly fees for failing to maintain a minimum balance. Banks only deposit funds 5 days per week but make withdrawals seven days a week. Bank checking account fees are also anything but transparent.

A check cashing Kansas City provider, on the other hand, offers a service with a clear, upfront, and affordable fee. Consumers using cash don’t have to worry about hidden costs, how much is in their checking account, and recurring charges.

#2. Fees to cash a check are reasonable
While some criticize the industry for charging a fee for what banks do for free, it’s important to remember that banks make up for this by charging for fees on many other services, including simply having a checking account. Cashing a check at a financial services center is generally very affordable with an upfront fee of 2-3% of the check amount. This means cashing a $1,000 check would cost $20 to $30.

Compare this to the upfront fee of 3-5% for a credit card cash advance and an interest rate of 20-29.99% and it’s easy to see the value of this service.

#3. More personal service
Many consumers who use a check cashing Kansas City storefront do so for the personal service. Banks can be very intimidating to some people, especially those who do not speak English fluently or have been turned down for banking services in the past. A neighborhood financial services store is often operating and staffed by people from the area who may speak the consumer’s language for a more comfortable transaction.

Financial services centers offer a valuable service to consumers who are underbanked or unbanked with predictable, low fees to cash a check. Waldo Financial is a leading provider of check cashing and payday loans with affordable solutions for Kansas City residents.

In summary, these are the three most common reasons why Kansas City residents turn to  neighborhood check cashing services instead of banks.

Why People In Kansas City Prefer Check Cashing

This article describes Kansas City check cashing services. Learn why most people prefer check cashing services over traditional banking.

A growing number of consumers in the United States are “unbanked” or “underbanked” for a variety of reasons. It’s estimated that one-third of the U.S. population is underbanked with no checking account, although it’s usually not for lack of qualifying but a preference for more personal or less expensive financial services.

Why do consumers in Kansas City prefer check cashing services over a traditional bank? Here are some of the biggest reasons behind this trend.

#1. Bank services are expensive
A checking account can be very expensive, especially for people who cannot maintain a minimum balance, live paycheck-to-paycheck, or have irregular income. While banks do not charge a fee to cash a check, they do charge hefty fees for almost everything else.

Average banking fees in the U.S. include:

$12 monthly maintenance fee
$4.52 ATM surcharge
$35 overdraft fee
$15 minimum balance requirement fee per month

Cashing a check at a Kansas City Check Cashing Service Center, on the other hand, has a transparent, upfront fee of 2-3%, or $20 to $30 per $1,000 cashed. Consumers do not need to track a checking account balance or worry about fees for their balance dropping below a threshold or recurring charges incurring an overdraft fee.

#2. Personalized customer service
Many people who use neighborhood check cashing Kansas City stores do so because they find banks intimidating, cold, or unfriendly. Some customers of financial services stores do not speak English fluently and prefer working with someone who looks and speaks as they do, while others have been treated poorly by banks in the past or turned down for services. Kansas City neighborhood check cashing storefronts offer a more personalized and comfortable transaction for many people.

#3. Cost to cash a check is reasonable with no hidden costs
Critics argue that charging a fee to cash a check is taking advantage of consumers, but the fact is banks charge much higher fees for a range of services they provide, including monthly fees just to keep a checking account open. When consumers walk into a check cashing Kansas City storefront, they know exactly what to expect: a fee of 2-3% of the check amount. There are no hidden costs, no maintenance fees, and no “gotchas.” This can make it far easier for a consumer to manage their finances and the fee is far more affordable than alternatives like a checking account or a credit card cash advance for thousands of consumers.

While financial services stores aren’t the right choice for everyone, they fill an important need for millions of Americans who do not use banks for a myriad of reasons. Waldo Financial offers payday loans and check cashing service to Kansas City residents with competitive fees and friendly service.