EZ Money Check Cashing

What EZ Money Check Cashing does

EZ Money Check Cashing, Inc. is a privately held, family-owned and operated retail financial services business headquartered in Billings, Montana, operating since 1991 under the DBA "EZ Money Check Cashing & Tax Prep." The company runs two physical storefronts in Billings (2499 King Ave W) and Great Falls (1524 10th Ave S), Montana, and serves walk-in consumer customers needing immediate access to funds and ancillary financial services without appointments.

The company's product portfolio spans six service lines: check cashing across payroll, tax refund, cashier's, student loan, government, personal, two-party, money order, and insurance draft categories (no photo ID required); professional tax preparation with state and federal e-filing and refund transfers; Western Union money transfers (domestic and international); money order sales; electronic bill pay for specific utility and telecom providers (Northwestern Energy, M.D.U., AT&T, Century Link); and notary public services. The underlying technology stack is non-proprietary; there is no mobile app, no public API, no proprietary platform, and no disclosed data or AI capabilities. The revenue model is transaction-fee driven across all six service lines with a complementary professional services component for tax preparation, and the company employs a bundling lever (1/3 off refund check cashing fee for tax filers) to cross-sell tax prep into check cashing volume.

Go-to-market is direct-to-consumer, relying on physical foot traffic, local word-of-mouth, and a basic digital presence via Facebook (EZMONEYMT) and a static company website. Customer segments are horizontal consumer personas — unbanked or underbanked individuals needing immediate cash access, taxpayers seeking low-cost preparation with bundled refund cashing, and remittance senders using the Western Union agent relationship. Marketing is minimal, pricing is not publicly disclosed, and the operating geography is restricted to Montana with no current signals of multi-state expansion.

Name

EZ Money Check Cashing

Legal name

EZ Money Check Cashing

Website

https://ezmoneycc.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

EZ Money Check Cashing is a family-owned, Montana-based retail financial services business operating two storefronts in Billings and Great Falls that provides check cashing, tax preparation, Western Union money transfers, money orders, electronic bill pay, and notary services to walk-in consumer customers.

Ownership category

akta.pro rank

Product category

Consumer Financial Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Check Cashing with Deferred Presentment (FSAKAMAL)

akta.pro secondary industries

Cash Advance (Online & Storefront) (FSAKAMAC), Bank Bill Pay (Consumer & Small Business) (FSAMAJAC)

Keywords

• Check cashing services
• Tax preparation services
• Money transfer services
• Money order sales
• Notary public services

Headquarters

HQ city

Billings

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Check Cashing Fees: Transaction-based fees charged for cashing various types of checks including payroll, tax refunds, cashier's checks, student loans, government, personal, two-party, money orders, and insurance drafts.
2. Tax Preparation Services: Professional tax filing services for state and federal taxes with e-filing capability. Offers preparation reviews and refund transfers.
3. Western Union Money Transfers: Facilitates domestic and international money transfers through Western Union partnership, earning commission or fees on each transaction.
4. Money Orders: Sale of money orders with transaction fees, providing an alternative to checks and cash for customers needing to send money.
5. Electronic Bill Pay Services: Bill payment processing services for utility and telecommunications companies including Northwestern Energy, M.D.U., AT&T, and Century Link.
6. Notary Public Services: Document notarization services for various legal and official documents during all normal business hours.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

EZ Money Check Cashing operates two retail storefronts in Montana (Billings and Great Falls) providing walk-in consumer financial services. Core offerings include immediate check cashing for payroll, tax refund, government, personal, cashier's, student loan, and insurance draft checks, along with tax preparation and e-filing, Western Union money transfers, money orders, electronic bill pay for utilities and telecom, and notary public services. The business emphasizes fast, no-appointment-required service with no photo ID required for check cashing.

Product overview

EZ Money Check Cashing is a family-owned and operated financial services business offering a portfolio of consumer financial services. The core offering centers on check cashing for various check types including payroll, tax refunds, cashier's checks, and government checks. Additional services include tax preparation with e-filing capabilities, Western Union money transfers, money orders, electronic bill pay, and notary public services. The company operates two retail locations in Montana (Billings and Great Falls) and positions itself on fast service, affordable prices, and no-appointment-required convenience.

Differentiator

Problem solved

Functional benefit

Products and services

• Check Cashing

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Western UnioncoreTechnology or IntegrationWestern Union money transfer services offered at both locations, enabling customers to send money domestically and internationally. Company serves as a Western Union agent location.

Scale indicators2 records

Recent moves4 records

Direct peers

• Speedy Cash: Retail and online provider of check cashing, payday loans, installment loans, and money transfers. Closely mirrors EZ Money's service mix and customer segment at much larger scale.
• ACE Cash Express: National check cashing, payday lending, and bill pay chain with hundreds of retail storefronts. Direct competitor offering the same core services (payroll/government check cashing, money orders, money transfers, prepaid cards, tax prep) to the same underbanked customer segment, but at materially greater scale.
• Liberty Tax Service: Franchise-based retail tax preparation chain with seasonal storefront presence. Overlaps with EZ Money on tax preparation, e-filing, and refund transfer/advance offerings for individual taxpayers.
• PLS Financial Services: Retail financial services chain (formerly known as PLS Check Cashers) offering check cashing, money orders, bill pay, money transfers, and tax preparation across hundreds of U.S. locations — virtually identical service portfolio to EZ Money.
• Jackson Hewitt Tax Service: Retail tax preparation chain operating inside Walmart and standalone offices. Direct competitor in tax prep, e-filing, and refund advance products targeting similar low-to-middle-income customers.
• Check City: Multi-state check cashing, payday loan, and title loan operator with both storefront and online channels. Closely comparable service offering and customer base to EZ Money, with broader geographic coverage.
• Check Into Cash: Multi-state check cashing and payday lender with both storefronts and online operations. Direct competitor in check cashing, money orders, and short-term credit targeting the same demographic, with broader geographic reach.

Broad incumbents

• H&R Block: National tax preparation chain with retail offices and DIY software. Directly competes with EZ Money's tax preparation service, including e-filing, refund transfers, and refund advance products, at vastly greater scale.
• MoneyGram: Global money transfer operator that EZ Money indirectly competes with as a Western Union agent. Provides the underlying transfer rails EZ Money resells, and offers competing retail and digital money transfer services.

Emerging players

• Republic Tax: Tax-related financial product provider whose 'Easy Advance' refund advance product EZ Money resells on its Tax Prep page. An adjacent ecosystem partner whose products EZ Money distributes at the point of service.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/EZMONEYMT
• LinkedInlinkedin.com/company/e-z-money-check-cashing-center

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EZ Money Check Cashing