Check Cashing in Omaha & Council Bluffs

Payroll, government, insurance and tax refund checks. No bank account needed, just your photo ID.

Cash your paycheck the same day you get it, even after the banks close. Payday Express has cashed checks in Omaha since 1997, and today we have stores in Omaha, La Vista and Columbus, NE and Council Bluffs, IA. No bank account, no waiting for a deposit to clear: bring the check and your photo ID.

Checks we cash

  • Payroll checks from your employer
  • Government checks, including Social Security and other benefit checks
  • Insurance checks
  • Tax refund checks

Not sure about your check? Call the store before you come in.

How check cashing works

  1. Bring the check and a photo ID. A driver's license, state ID or other government-issued photo ID.
  2. We verify the check. For some checks we confirm the details with the issuer first.
  3. See the fee before you agree. The fee is posted at the counter and told to you up front.
  4. Leave with cash. You can also turn it straight into a money order or pay a bill in the same visit.

Why cash a check with us instead of waiting on a bank

Your hours, not bankers' hours. Most of our stores have been open on weekday evenings and on Saturdays, when many banks are closed. Hours vary by store, so check the store page and call ahead.

No account, no hold. A bank deposit can take days to clear. With check cashing you have the cash when you leave.

One stop. Cash the check, buy a money order, pay a bill or send money with MoneyGram or Western Union at the same counter.

Where to cash a check

Omaha, NE

La Vista, NE

Columbus, NE

Council Bluffs, IA

Apply online in a few minutes

You do not have to come in. Start your request online at any hour, from your phone or computer.

  1. Fill in the short form. It takes a few minutes and asks about the amount you need, your income and your bank account.
  2. See the terms first. If you get an offer, the amount, the fee, the APR and the due date are shown before you agree. There is no obligation.
  3. Get your money. If you accept, the lender explains how and when the funds are paid, often by direct deposit.

Apply Online

Approval is not guaranteed. The online form is run by a third-party lending network, not by our stores. Its lenders may offer other loan types, such as installment loans, with amounts, costs and terms that differ from our in-store payday loans and depend on your state and the lender.

Frequently asked questions

Where can I cash a check and get the money right away?
At a Payday Express store. Bring the check and a valid photo ID; once the check is verified you leave with cash. Please call the store first to confirm its hours.
Do I need a bank account to cash a check?
No. You only need the check and a valid government-issued photo ID. That is why many customers who do not use a bank come to us.
Which checks can I cash?
Payroll checks, government checks (including Social Security and other benefit checks), insurance checks and tax refund checks. Ask the store about any other kind of check before you come in.
How much does it cost to cash a check?
The fee depends on the type and amount of the check. It is posted at the counter and told to you before you agree, so you always know how much cash you will receive.
Can I cash a large check?
Larger checks usually need extra verification with the issuer, and the store needs enough cash on hand. Call the store before you come in with a large check so it can be ready for you.
Where can I cash a check that is not from my bank?
Payroll, government, insurance and tax refund checks can be cashed at our stores whichever bank they are drawn on, with no account needed.

Ready when you are

Start online now, with no obligation. You decide only after you see the full cost.

  • Free to apply
  • Short online form
  • Secure and private
  • Terms shown before you sign

Apply Online Call 402-731-5555