United Check Cashing Franchise FDD, Costs & Fees (2026)
United Check Cashing is a financial services franchise offering check cashing, bill payment, money transfers, and related services, serving underbanked and convenience-focused consumers, and known for community bank–like storefronts, extended hours, and streamlined alternatives to traditional bank accounts.
KEY FRANCHISE STATS
Franchisees
?
48
+
-25%
-25%
Franchise fee
?
$30,000
Investment
?
$226,000 - $297,000
Revenue (AUV)
?
Undisclosed
$0
+
n.a.
n.a.
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United Check Cashing is a U.S. financial-services franchise that provides check-cashing and essential money-service solutions. The brand was founded in 1977, with its first location opening in Philadelphia, Pennsylvania. It has grown steadily by serving customers who rely on accessible, cash-oriented financial options.
The company remains headquartered in Philadelphia, where it oversees both company-owned and franchised locations. United Check Cashing began offering franchise opportunities in the early 1990s, allowing the brand to expand its retail footprint beyond its original market. Its stores follow a retail banking model, designed for speed, convenience, and familiarity.
United Check Cashing sells services rather than products. Its offerings include check cashing, money transfers, money orders, bill-payment services, and prepaid financial services. These services target under-banked and cash-preferred consumers seeking simple, fast financial transactions.
What differentiates United Check Cashing is its accessible, customer-friendly retail format and its ability to provide immediate cash services without the delays associated with traditional banking.
Initial investment
The initial investment required for a United Check Cashing franchise is
$226,000 - $297,000.
That is the total cost you would need to finance if you were to start this franchise.
These costs are provided by the franchisor in the Franchise Disclosure Document.
United Check Cashing offers a structured training program for its franchisees to prepare them for the successful operation of their Centers:
Initial Training for Franchisees: United provides an initial training course that must be completed by the franchisee or their designated principal before the Center opens. This training is typically held at the company’s headquarters but may also be conducted at the franchise location or online. The training covers operational, managerial, and procedural aspects necessary to run the business.
Manager Training: Any manager employed to operate the Center must complete training to United’s satisfaction. The franchisor retains the right to require such managers to attend the initial training course as a condition of employment. This ensures consistent management standards across all franchise locations.
Ongoing and Transfer Training: United also provides continued training and support, including training for individuals taking over an existing Center through transfer. In such cases, the transferee must attend and satisfactorily complete the required training course before assuming operations, with part of the transfer fee allocated to this purpose.
Field Training and Opening Support: A United representative assists on-site for approximately one week immediately before or after the Center opens. This support includes guidance and practical help in launching operations effectively. This hands-on assistance ensures that franchisees start off with real-time operational support.
Territory Protection
United Check Cashing provides territory protection to its franchisees through what it calls a “Protected Area.” When a franchise agreement is signed, both parties agree on a specific territory where the franchisee can locate and operate their Center. The Protected Area is typically defined as a circular zone centered at the front door of the franchisee’s location.
Within this Protected Area, United Check Cashing agrees not to license another full-service franchise, helping to limit direct competition. However, this protection does not necessarily apply to all forms of business activity, such as sales through alternative distribution channels. Franchisees must remain in good standing to retain this protection, as violations of the franchise agreement may lead to its forfeiture.
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