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CheckSmart

CheckSmart is a brand within the Community Choice Financial family of companies, offering short-term cash solutions, check cashing, and prepaid debit cards through neighborhood stores and online.

Last updated September 15, 2026

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Overview

CheckSmart is a brand within the Community Choice Financial family of companies. Its stores offer short-term cash solutions, check cashing at competitive rates, and prepaid debit cards usable anywhere Visa is accepted, with cash withdrawal and balance checks at ATMs worldwide. Services are available in-store or online, and customers can apply via an app or find one of nearly 500 locations nationwide. Community Choice Financial brought together CheckSmart, California Check Cashing Stores, and Cash Central under its name during 2011–2015.

History

Community Choice Financial's history began with a single check-cashing store in Ohio in 1986. During 2011–2015, the company brought together CheckSmart, California Check Cashing Stores, and Cash Central under the Community Choice Financial name, strengthening its coast-to-coast presence and launching an omnichannel strategy with licensed online lending. By 2020, the company was operating hundreds of locations nationwide, and in 2021–2023 it added Check Into Cash, Speedy Cash, Rapid Cash, and Avío Credit to its family of brands.

Products and positioning

Neighborhood-based financial services brand offering fast, accessible short-term cash solutions with customer service in safe, convenient locations.

  • Short-term cash solutions

  • Check cashing

  • Pre-paid debit cards

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