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Check Direct Deposit

Reliable direct deposit—no bank account needed
We make it easy to set up Direct Deposit, no bank account needed. Just a fast, secure way to access your funds.

Overview

Our Direct Deposit service is ideal for payroll, Social Security, SSI, and other entitlement checks. Instead of waiting for a paper check, have your money sent to the nearest Associated Currency Exchange location, and pick it up when it arrives.

We'll hold your funds securely and notify you when they're ready, saving you trips to the bank or delays in the mail.

How It Works

Friendly staff will help with enrollment and tracking.
  • Stop in to get started. We’ll walk you through the setup process.
  • Provide the required documentation for your check type.
  • We enroll you for direct deposit and create a check cashing profile.
  • Once your deposit is received, simply come in, show ID, and receive your funds.
  • Funds are typically available on your scheduled payment date.

Benefits

  • Get your payroll or benefits faster—no mailing delays
  • Safe and secure deposit handling
  • No bank account required
  • Avoid check-cashing fees and lost checks
  • Ideal for SSA, SSI, SSDI, and payroll
  • Funds available as soon as they're received

What To Bring

To set up Direct Deposit, please bring:
  • A copy of the check, benefit award letter, or pay stub
  • For SSA/SSI: Bring the award letter or direct deposit form
  • A valid photo ID
  • The recipient’s date of birth and Social Security Number
  • Any forms required by your employer or benefits provider

Fees & Limits

Additional documentation may be required depending on the type of check. Funds are only released to the verified recipient upon deposit. Check store location for fees and requirements.