Simple, transparent pricing

Know what you'll pay
before you snap

One flat fee. No surprises. No hidden percentages.

Standard Rate
$5 flat
or 1% of the check amount — whichever is greater
What's included
  • Treasury verification (TCVS)
  • FedNow instant disbursement
  • Fraud screening
  • Debit card payout
  • KYC identity verification
Start Cashing

Fee transparency

Here's exactly how fees work based on check type.

Check Type TreasurySnap Fee Notes
US Treasury Check Tax refunds, Social Security, federal payments
$5 flat or 1% — whichever is greater
Full guarantee — verified by Treasury directly
US Government Check IRS, state, or agency payments
$5 flat or 1% — whichever is greater
TCVS verified — standard processing
Payroll / Business Check Employer or business-issued checks
$5 flat or 1% — whichever is greater
TCVS verified — standard processing
Personal Check Individual-issued checks
$5 flat or 1% — whichever is greater
TCVS verified — standard processing

All checks are verified through the Treasury Check Verification System (TCVS) before funds are released. Minimum fee is $5 per check. No monthly fees, no setup fees, no per-check minimum beyond the flat rate.

Common questions

Why is there a 1% floor if the fee is $5 flat?

The $5 flat fee applies to most checks. If your check is very large (e.g. $10,000+), the 1% rate means you pay $100 — still a fraction of what you'd pay cashing it elsewhere.

Is the fee taken from my check amount or charged separately?

The fee is charged separately — you receive the full check amount plus the fee is deducted at submission. You'll always see the exact fee before confirming.

What if the check is void or rejected?

No fee is charged. Treasury verification happens before any funds are released. If a check is flagged as invalid or void, you owe nothing.

What checks are NOT accepted?

We do not cash third-party checks, starter checks, or checks that fail Treasury verification. Foreign checks and checks payable to a business are reviewed on a case-by-case basis.