A check cashing service in Spicer refers to a large or small company that cashes one's check for a fee. A check cashing company also doubles as a short-term loan facility, offering money in advance of a paycheck for a percentage of the paycheck. The check cashing service, whether through advanced short-term or through percentage of checks cashed, makes money on each cashed check. As with a bank, here too, one would need to provide identification. Some of them offer direct deposit, where money is loaded onto an ATM card and picked up at a check cashing service store. It is a convenient service that provides an opportunity to cash a check immediately.