We have tried to list the most frequently asked questions below, but if you don’t see an answer to your own question here, PLEASE email us (we answer emails!), call us toll-free, drop by or call the location closest to you to have your question answered by a check cashing professional.

Q: What do I need to bring to setup a cash advance account with Chextop?
Starting in 2016 ChexTop raised the top limit on personal checks cashed up to $900.00! Call us to see how much you may qualify for.NOTE: Chextop does not offer payday loans in the State of Maryland. However, Chextop will cash your personal check for 10% (the fee permitted by state law) and hold it until your next direct deposit date at no additional charge.

A: You must bring a valid, local (DC,MD, VA) state issued ID or DL, a supporting work ID or SS card, and a transaction history with a running balance for the last 60 days that has been signed or stamped by the bank to verify its authenticity that shows a regular direct deposit into your personal checking account. You also need your most current pay stub, and YOUR CHECK BOOK! Don’t forget your wallet or purse (to carry the cash)!

Q: How long does it take to set up an account?

A: Chextop prides itself on providing fast, friendly service, and we can usually get you out of our store with cash in your hand in 10 minutes (depending on the line in front of you)!

Q: What do I need to bring to be able to cash a check?

A: In most cases all you need is the check, and a valid ID. Please call to see if we may need further documentation to cash your particular check.


Q: What are the rates to cash a check?

A: Our rates are based on the inherent risk of the check you present to be cashed. This rate starts as low as 1% (that’s $1.00 on $100.00!) for a local payroll check, and goes as high as 4% for an insurance check. Personal checks are cashed for 10%.   The vast majority of the non-personal checks we cash are done for 2% or less. Please call us to find out the rate to cash your specific check.

For General information about the check cashing industry refer to our blog section.