Check Cashing

What kinds of checks do you cash?
Unlike many of our competitors, we cash all types of checks — personal checks, payroll checks, insurance checks, Cashier’s checks, government checks, money orders and more — and give you cash on the spot.

What do I need to bring with me to cash a check?
All you need is the check and your photo I.D.

What fee do you charge for cashing a check?
Our fees vary based on the type of check and are regulated by the State of Tennessee. Local payroll and government check cashing rates start at 1%. Fees are clearly posted in our locations, and our associates will be happy to answer any questions you have.

Money Orders

How much do you charge for a money order?
We charge no fees. We collect only the face value of the money order.

How can I pay for money orders?
Advance Financial accepts cash only. We collect only the face value of the money order, with no fees.

Where can Advance Financial money orders be redeemed?
They can be redeemed at any location money orders are accepted.

Cash Advance

What do I need to bring with me in order to get a cash advance?
Bring a photo I.D., checkbook and verifiable income. No credit check required.

How much can I receive on a cash advance?
You can receive a cash advance in increments of $25, starting at $25 up to $200.

How much does it cost?
Our fees vary by the amount of the advance. Fees are clearly posted in our locations, and our associates will be happy to answer any questions you have. For a list of our fees click here.

How long do I have before I am required to pay back my cash advance?
We hold your check until your next scheduled payday.

If I currently have a cash advance through another financial institution, can I get another one from Advance Financial?
Yes. Tennessee code allows you to have two check advances outstanding, totaling up to $500.

Western Union Wire Transfers

What do I need to bring with me in order to use Western Union?
You will need to bring a government-issued photo ID (driver’s license, military ID, or passport). You will also need to provide your name, address, telephone number, date of birth and identification number (employer identification number, Social Security number, driver’s license or passport number, etc.).

How much will it cost me to use Western Union?
Fees are determined at the terminal by Western Union at the time of the transaction. Your Advance Financial representative has all the details.

All Access® Visa® Prepaid Card from NetSpend

Do I have to fill out a credit card application in order to get a Visa prepaid card
No. You purchase the card for a one-time fee ($9.95) and then load the card with a dollar amount. The Visa prepaid card functions as a debit card.

Can I use my Visa prepaid card for online purchases?
Yes. The Visa prepaid card is safe to use for online purchases.

Will I be able to "swipe my card" and pay for gas at the pump or groceries at the store with my Visa prepaid card?
Yes. The Visa prepaid card functions just like a debit card.

What are the fees for using my Visa prepaid card?
To load the Visa prepaid card, the fee is $2 for each load (the first time is free). Other fees may apply. See your Advance Financial representative for details.

Can I get money from an ATM with the Visa prepaid card?
Yes. You can use the Visa prepaid card at over 2 million locations worldwide.

Are there limits on how much money I can load onto my Visa prepaid card?
The maximum balance is $10,000, while the minimum balance is $10.

Is there a minimum amount of money I must load on my Visa prepaid card the first time I purchase it?
Yes, you have to make a $10.00 minimum load your first visit.

How can my Visa prepaid card help me save money?
The balance on a Visa prepaid card from Advance Financial earns a 3% annual percentage yield on savings deposits with no additional monthly service fees and no minimum balance. Click here for more information.

Prepaid Wireless Minutes from Jump Mobile

How much does the service cost?
Prepaid wireless minutes are similar to purchasing a long-distance calling card. You pay for the wireless minutes up front, load them onto your account and then use them. The fee is 10 cents per minute. You can purchase minutes in blocks of 100, 200, 300 and 500. There is no activation fee, monthly fee or annual contract.

Other Services

Can I send or receive a fax from an Advance Financial location?
Yes, you can send and receive faxes at any Advance Financial location. The fee is $1 per page for in-town phone numbers, $2 per page for out-of-town numbers and $10 per page for international numbers.

Can I make copies?
Yes, you can make photocopies at any of our locations for 25 cents per copy.

Can I pay my bills at an Advance Financial location?
Yes, you can pay bills to more than 100 utilities and vendors. Fees range from $1.50 to $2.50 for regular or expedited payment posting times.

Can I pay my cell phone bill at an Advance Financial location?
You can make cellular payments for a variety of vendors — including AllTel, Cingular, Cricket, Sprint, T-Mobile and Verizon — at any of our locations for a fee of $3 each. Plus, Advance Financial is an authorized payment agent for Cricket, which means your Cricket payment posts within seconds of transmission.