United Financial Service centers provide a wide array of vital services to consumers seeking an alternative to traditional banking relationships. Our franchisees operate clean, bright, safe retail centers designed to create a community-bank atmosphere, and they build strong customer relationships by providing the type of friendly service not usually associated with today’s banks.

United Financial Service centers require very few employees and virtually no inventory. Our system has proven to be safe, reliable and repeatable. United Financial Service centers are typically located in suburban strip centers or regional shopping malls. Our site selection strategy seeks highly visible locations in busy retail areas.

Our most successful operators enjoy the benefits of being in a community-based business. They understand the value of providing their customers with prompt, friendly and courteous service. They also recognize the importance of offering a full array of financial services beyond just check cashing. To get started, our franchise candidates must have a net worth of at least $350,000 with liquid cash of at least $70,000.

United provides valuable services to people who prefer to manage their money on a simple cash basis. According to the Federal Reserve Board’s Survey of Consumer Finances, nearly 13% of families in the U.S. did not have a checking account. This survey also indicated that the majority of these consumers are “un-banked” by choice. A recent report by Dove Consulting for the U.S. Department of the Treasury reveals that about 11,000 check-cashing outlets in the United States cash more than $60 billion worth of checks annually. Consumers cashing these checks are typically blue and white-collar workers that make their living in retail and service industries such as restaurants, hotels, auto repair, landscaping, daycare and line manufacturing. United centers meet this demand for convenient cash management by offering better hours and more accessible locations than a typical bank. We cash their checks, with no holds while it clears the banking system, for just a couple of pennies on the dollar. We also assist them in paying their bills, wiring money and a host of other financial transactions.

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