ACE Cash Express is a major US check-cashing storefront network. RMO Check Cashing at retail centers cashes checks at member rates — or open RMO Bank checking and deposit via mobile app for free. Here’s how they compare.
Both cash checks. Long-term cost differs hugely between storefront fees and free mobile deposit.
Storefront check-cashing fees typically run 2-12% of the check amount. Over a year, switching to mobile deposit at any bank usually saves hundreds.
RMO Check Cashing vs. ACE Cash Express on fees and alternatives.
| Feature | RMO Check Cashing | ACE Cash Express |
|---|---|---|
| Check-cashing fee | Member rate, substantially lower | 2-12% of check amount typical |
| Mobile deposit option | Yes — free with RMO Bank account | No (storefront only) |
| Storefront network | RMO retail centers | Nationwide ACE network |
| Supported check types | Payroll, government, qualifying personal | Payroll, government, personal, money orders |
| Path to banked status | RMO member services helps open checking | No |
| Member-rate pricing | Yes | Standard storefront |
| ID requirements | Standard valid ID | Standard valid ID |
| Speed | Same-day cash at center | Same-day cash |
| Cost over a year (frequent use) | Free with mobile deposit | Several hundred dollars typical |
| Best for | Anyone — especially as bridge to banked status | Non-banked individuals in unlicensed markets for RMO |
If you cash checks regularly, opening a free checking account with mobile deposit typically pays back in weeks. Member services helps non-banked individuals through the transition.
If you cash checks regularly, the highest-impact change is opening a free checking account. RMO Bank checking includes free mobile deposit; ACE storefront fees compound fast over a year.
Best option: open RMO Bank checking and use mobile deposit free of charge.
Bring the check + valid ID. RMO retail centers cash payroll, government, and other qualifying checks at member rate.
Member services helps non-banked individuals transition to a checking account if interested.
Banks make money on accounts holistically (lending against deposits, card transactions, etc.) and offer mobile deposit free as an account service. Storefront check cashers’ only revenue is the fee, so they have to charge.
Often yes — member services has helped many previously-unbanked individuals open checking accounts. Some require alternative documentation; ChexSystems issues sometimes need addressing.
Direct deposit setup works with any employer that runs payroll. Bring a bank account number and routing number to your employer’s HR/payroll.
Typically next business day for most deposits; some immediate availability for trusted payees. RMO Bank standard funds-availability policies apply.
Mobile deposit means you don’t need to visit a center at all once you have an RMO Bank account. Account opening can be done online.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Member-rate check cashing at RMO retail centers, or skip the fee entirely by opening an RMO Bank account with free mobile deposit.
