FREQUENTLY ASKED QUESTIONS

Got Questions?
We Have Answers.

Everything you need to know about our services, fees, hours, ID requirements, and business check cashing — all in one place.

📋 GENERAL QUESTIONS

General Questions

Where are David’s Money Centers of Rockland located?

We have four locations across Rockland County, NY:

Nanuet — 211B NY-59, Nanuet, NY 10954 · (845) 507-0150
Spring Valley — 205 W Rte 59, Spring Valley, NY 10977 · (845) 306-5720
Nyack — 294 Main St, Nyack, NY 10960 · (845) 657-3424
West Haverstraw — 57-59 US-9W, West Haverstraw, NY 10993 · (845) 579-2553

All locations offer free parking and are wheelchair accessible.

What are your hours of operation?

Hours vary slightly by location:

Nanuet: Mon–Fri 8:30 AM–8:00 PM · Sat 9:00 AM–5:00 PM · Sun Closed
Spring Valley: Mon–Fri 8:30 AM–8:00 PM · Sat–Sun 9:00 AM–5:00 PM
Nyack: Mon–Fri 8:30 AM–7:00 PM · Sat 9:00 AM–5:00 PM · Sun Closed
West Haverstraw: Mon–Fri 8:30 AM–8:00 PM · Sat–Sun 9:00 AM–5:00 PM

Spring Valley is open every Sunday 9:00 AM – 5:00 PM — the only financial service centers in Rockland open on Sundays.

Which locations are open on Sundays?

Spring Valley (205 W Rte 59) is open every Sunday from 9:00 AM to 5:00 PM.

Do I need a bank account to use your services?

No. A bank account is never required at David’s Money Centers. We serve everyone — banked, unbanked, and underbanked residents of Rockland County. Whether you have a bank account or not, you are welcome at any of our locations.

Is there parking available at your locations?

Yes — all four locations offer free parking.

Nanuet: Dedicated free parking lot (next to Dunkin’, across from Home Depot)
Spring Valley: Accessible parking available
Nyack: Free parking lot — a significant advantage in downtown Nyack
West Haverstraw: Free parking lot on Route 9W

All locations also feature wheelchair-accessible entrances and parking stalls.

What languages do you serve?

We proudly serve our entire community:

English — all 4 locations
Spanish (Español) — all 4 locations
Haitian Creole (Krèyòl) — Spring Valley location

We are committed to making our services accessible to the diverse communities of Rockland County.

Is David’s Money Centers licensed and regulated?

Yes. David’s Money Centers of Rockland is licensed by the New York State Department of Financial Services (NYDFS) pursuant to Article 9-A of the Banking Law. All four locations operate under this license and are subject to ongoing regulatory oversight and examination by NYDFS.

Licensed by the New York State Department of Financial Services.

Do I need an appointment to visit?

No appointment is needed for standard transactions. All four locations operate as walk-in service centers. Simply bring your check and valid ID and our team will assist you.

For large business or commercial checks, we recommend calling ahead so we can have funds ready when you arrive.

💵 PERSONAL SERVICES

Personal Services

What types of personal checks do you cash?

We cash virtually every type of personal check including:

Payroll checks from employers
Government checks — Social Security, unemployment, VA benefits, state assistance
Tax refund checks — federal IRS and state
Insurance checks — auto, home, health, and life
Settlement and legal disbursement checks
Union and pension checks
Out-of-state employer payroll checks
Money orders

What ID do I need to cash a check?

A valid government-issued photo ID is required for all check cashing transactions. Accepted forms of ID include:

Driver’s license (any state)
State-issued ID card
U.S. or foreign passport
Military ID

For larger checks, a secondary form of identification may be required. If you are unsure what to bring, call your nearest location before visiting.

How much does it cost to cash a check?

Consumer check cashing fees are set by New York State Department of Financial Services:

Government checks (Social Security, unemployment, tax refunds, VA benefits): 1.5% of the check amount
All other consumer checks (payroll, personal, insurance): 2.2% or $1.00 — whichever is greater

All fees are disclosed before your transaction is completed. You always have the right to decline without penalty. A current fee schedule is posted in-store at all locations in English and Spanish.

How quickly will I get my cash?

For standard transactions, most customers are in and out in under 15 minutes. There are no holds on your cash — once your check is verified and the fee is agreed upon, you receive your full cash amount immediately. There is no waiting period.

Can I cash an out-of-state check?

Yes. We accept out-of-state employer payroll and personal checks. Additional verification may be required depending on the issuer and check amount. If you have a question about a specific out-of-state check, call your nearest location before visiting.

How do I send money internationally with Western Union?

All four David’s Money Centers locations are authorized Western Union agents. To send money internationally:

Visit any location with your valid government-issued photo ID
Provide the recipient’s name, country, and the amount you want to send
Pay in cash — or use your debit card (no tax charge on debit card transfers)
You will receive a unique tracking number (MTCN) that your recipient uses to collect funds

Funds are typically available to recipients within minutes. We serve over 200 countries worldwide.

What bills can I pay at David’s Money Centers?

You can pay most major bills in person including:

Electric, gas, and water utilities
Cable, internet, and satellite TV
Wireless and cell phone bills
Credit card payments
Auto loan payments
Mortgage payments
Rent payments
Insurance premiums
And thousands more billers nationwide

Most payments are credited within 1–3 business days. Same-day payment is available for select billers through Western Union Quick Collect.

What is a Netspend prepaid debit card and how do I get one?

A Netspend Visa prepaid debit card is a banking alternative that allows you to shop online and in-store, pay bills, and receive direct deposit — without a traditional bank account. You can get one at any David’s Money Centers location. Bring your valid photo ID to activate and load your card. Card fees and terms are set by Netspend and are disclosed at the time of purchase.

Do you have coin counting machines?

Yes. Automated coin counting machines are available at our Nanuet, Spring Valley, and West Haverstraw locations. Bring in your coins, run them through the machine, and walk out with cash. A 12% fee applies to the total coin value counted. The Nyack location does not currently offer coin counting.

Do you sell money orders?

Yes. Money orders are available at all four David’s Money Centers locations. Money orders can be issued up to $1,000 per order and are payable to most domestic payees. Fees are disclosed at time of purchase and posted in-store.

🏚 BUSINESS SERVICES

Business Services

Can you cash checks made payable to my business?

Yes. David’s Money Centers specializes in commercial check cashing — cashing checks made payable to a business, LLC, corporation, or sole proprietorship. No bank account is required. Bring the check and your valid government-issued photo ID. Business documentation may be required for first-time commercial transactions.

What fees do you charge for business checks?

Commercial check cashing fees are not subject to the New York State consumer fee caps that apply to personal checks. Business check rates vary based on the check type, amount, issuer, and your account history with us. Typical commercial rates range from 3% to 5%. All fees are always disclosed before any transaction is completed — you have the right to decline at no cost.

Is there a maximum amount you will cash for a business?

We cash large business and commercial checks including checks in excess of $25,000. For larger transactions, we strongly recommend calling your preferred location in advance so we can confirm availability and have funds ready when you arrive.

For checks over $10,000 — always call ahead. Our team will prepare for your visit.

What types of businesses do you serve?

We serve businesses of all sizes and types including:

Contractors and construction companies
Landscaping and ground crews
Restaurants, delis, and food service businesses
Retail stores and service businesses
Sole proprietors and LLCs
Corporations
Legal and settlement recipients
Insurance and healthcare businesses

Can I set up a recurring commercial account?

Yes. Businesses with regular check cashing needs can apply for a commercial account with David’s Money Centers. A commercial account streamlines processing for recurring business transactions and may offer additional benefits for established customers. Contact your preferred location or submit a commercial inquiry through our website to get started.

Do you cash out-of-state business checks?

Yes. Out-of-state business checks are accepted. Additional verification may be required based on the issuer and check amount. Calling ahead is recommended for out-of-state commercial checks above standard thresholds.

Why do businesses use David’s instead of a bank for check cashing?

The primary reason is speed and access. Banks place holds on business checks that can last 3 to 7 business days. At David’s, there are no holds — your business check is cashed immediately and you walk out with cash. This is critical for contractors, landscapers, and other businesses that need to pay their crews on the same day they receive payment. Additionally, we are open until 8 PM weekdays and on Sundays at Spring Valley — after most banks have closed.

How do I submit a commercial inquiry?

You can submit a commercial inquiry through our Business Services page. Fill out the form with your name, business name, check type, approximate amount, and preferred location — and our team will follow up within one business hour during operating hours. For urgent needs, call your nearest location directly.

🏛 COMPLIANCE & LEGAL

Compliance & Legal

Why do you ask for my Social Security Number or ID?

Identity verification is required by federal and New York State law for licensed check cashing businesses. This includes the Bank Secrecy Act and anti-money laundering regulations. These requirements exist to protect customers and prevent financial crimes. Your information is handled securely and in accordance with our Privacy Policy.

Can David’s refuse to cash my check?

Yes. David’s Money Centers reserves the right to decline any transaction at its discretion for any lawful reason — including but not limited to inability to verify the check, insufficient funds availability, or compliance-related concerns. Presentation of a check does not guarantee service or approval. Our team will always treat customers with respect regardless of the outcome.

How is my personal information protected?

David’s Money Centers takes your privacy seriously. Personal information collected in connection with transactions is handled in accordance with our Privacy Policy and applicable federal and New York State law. We do not sell or share your personal information with third parties for marketing purposes. For full details, please review our Privacy Policy.

Are your fees posted in-store?

Yes. New York State law requires all licensed check cashers to display a fee schedule prominently in-store. At David’s Money Centers, our fee board is posted at each location in both English and Spanish, at a minimum size of 30 x 36 inches as required by the NYS Department of Financial Services. All fees are also disclosed to customers verbally before any transaction is completed.

What do I do if I have a complaint about a transaction?

If you have a concern about a transaction or service, please contact us first:

Email: info@davidsmcrockland.com
Or visit or call your nearest location directly.

Got Questions?We Have Answers.