Check Cashing

Thanks to our convenient Check Cashing Service, you can get fast access to your money simply by visiting any ESL branch.

• No hidden fees. Once you’re registered^*, all you have to do is pay a simple, straightforward fee for each check you cash.
• It couldn’t be easier. There’s no minimum account balance requirement. In fact, you don’t even need an ESL account.
• Available throughout the Greater Rochester area. You can cash checks—quickly and easily—at any of our [current branch count] branches. They stretch from Batavia to Newark and Rochester to Geneseo.
• Save time. And get your money fast. Once you’re registered, cashing your checks is a breeze.

Check cashing from ESL. It’s another way we make money management easier and more convenient for you.

Already a member? Click here for checking cashing information.

^*Registration subject to eligibility requirements.

Register at Any Branch

• First things first: Make sure you’re eligible.
• Complete a Cash Services Registration Form.
• Provide your Social Security Number and two current forms of identification.

That’s all there is to it. For more information on the registration process, see How To Register.

Cash a Variety of Checks at Any ESL Branch

Once you’re registered, you can cash these checks at any ESL branch by paying a simple, straightforward fee based on the value of the check:

• U.S. Treasury checks
• Social Security checks
• Veterans checks
• Federal, New York State, and Local Government checks
• Official bank checks and Money Orders
• Certified checks
• Payroll checks (printed and verifiable handwritten)
• U.S. Postal Money Orders
• Annuity checks
• Checks issued by Eastman Kodak Co. and Kodak Savings and Investment Plan (SIP)
• Known business and pension checks
• Brokerage firm checks (checks issued by brokerage firms, not personal checks written against brokerage accounts)

Please remember there is a $10,000 limit per check.

Ready to get started? Stop by the ESL branch near you and register for our convenient, easy-to-use Check Cashing Service today. All you have to do is follow three simple steps. 

1. Make sure you’re eligible (see below)
2. Complete a Cash Services Registration Form—just print it out … fill it out … and bring it to any ESL branch
3. Provide your Social Security Number and two current forms of identification:
   • Your current government-issued Driver’s License OR unexpired U.S. Passport 
   • A utility bill or another official document that verifies your current address

The entire process takes only a few minutes. Then you can cash a wide variety of checks throughout the Greater Rochester area simply by visiting any ESL branch.

Eligibility

While it’s not necessary to be an ESL member to use ESL Cash Services, you must meet one of the following eligibility requirements:

• An immediate family/household member² is a current ESL member, OR
• You, or an immediate family/household member,² live, work, worship, or attend school within the geographic boundaries of the City of Rochester, OR
• You, or an immediate family/household member,² are an employee/retiree of an eligible company or member/volunteer of an eligible organization.

Any ESL representative can help you determine how easy it is to qualify.

1: Please contact us if the address on your ID is not your current address, is a P.O. Box or an address isn’t listed. Further information will be needed to process your Cash Services request.

2: Immediate family member is a spouse, child, parent, grandparent, grandchild, brother, or sister. View list of eligible companies and organizations.

For more information:

• Connect with us so we can help.

We look forward to helping you get fast access to your money. It’s all part of our effort to answer to you.