United Check Cashing


For more than 30 years, United has owned and operated multiple check cashing centers in the Philadelphia area. In 1992, the company decided to expand its profitable business model through a formal franchising system. To date, United has helped more than 100 independent entrepreneurs establish and operate more than 140 United Check Cashing centers in 17 states. United has recently been named the #2 check cashing company in the U.S. by Entrepreneur Magazine 500 for 2010, GI Jobs Magazine top 10% franchise friendly companies, The largest check cashing franchise in the U.S.

United’s proven franchise system is an integrated program designed to make the entrance into the money service business easier than doing it on your own.

From assistance with real estate acquisition and construction to licensing and vendor relations to training on all aspects of business to ongoing operations support and guidance, United has assembled the check cashing puzzle pieces for our franchisees.

Our professional, bank-like centers are conveniently located where our customers work and shop. For just a few pennies on the dollar, consumers’ checks are cashed. There are no holds while waiting for funds to clear. The process is fast, convenient and available to everyone.

United stores provide check cashing, (pay day loan, in states that this is . . . . . . allowed) wire transfer, money order, bill paying services, phone cards, cell phones, notary services. United offer customers a convenient and inexpensive alternative for managing finances and circumventing credit problems, while the expense of maintaining a formal bank account is eliminated.


Year Established: 1977
Year First Franchised: 1992
Franchised Units: 100+
Actual number of units: 142
Projected New Units (12 months): 20

States referrals are accepted in:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Avail. in Canada: Masters/Area Developer: No


Financial / Terms

Cash Investment: $80,000
Minimum Investment: $80,000
Minimum Net Worth: $400,000
Franchise Fee: $30,000


  • Vet Fran

Royalty: 0.2% of 1%
Average # of Employees: 1-4
Passive Ownership Allowed: Yes
Earnings Claims: No


Total Investment: $229,500 - $282k
Royalty: 0.2% of 1% of the face amount of the check


Franchise Sales

Single Unit: Yes
Multiple Units: No
Area/Master Developer: No
Resales: No


International Expansion

International Expansion Opportunities: No
Single Unit Availability Outside U.S.: No
Multiple Unit Availability Outside U.S.: No
Area Development or Master Avail.: No


Support & Training Provided

Financial Assistance Provided:Yes
Site Selection Assistance: Yes
Lease Negotiation Assistance: Yes
Co-operative Advertising: Yes


8 day training at Corporate Headquarters in Philadelphia, PA. This would occur 2 weeks prior to the grand opening.


Get Started!

Freddy O'Pry

Franchise Development