United Check Cashing vs Family Financial Centers

Franchise Comparison 2026

Both United Check Cashing and Family Financial Centers are financial services franchises. United Check Cashing requires an investment of $226K – $297K while Family Financial Centers requires $154K – $309K. Family Financial Centers discloses average revenue of $262K; United Check Cashing does not report Item 19 data. United Check Cashing has SBA lending data on file with a 25.0% charge-off rate. FranchiseVerdict rates United Check Cashing F (Bottom Quintile) and Family Financial Centers B (Above Average).

Metric	United Check Cashing	Family Financial Centers
Verdict Grade	FBottom QuintileBottom Quintile	BAbove AverageAbove Average
Investment Range	$226K – $297K	$154K – $309K
Franchise Fee	$30K	$41K
Royalty Rate	2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services	Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans.
Average Revenue (Item 19)	N/A	$262K
SBA Charge-Off Rate	25.0% (32 loans)	Limited data
Total Units	48	52
Unit Growth (YoY)	N/A	N/A
Year Began Franchising	1991	2004
FDD Year	2025	2025

United Check Cashing

FBottom Quintile

Family Financial Centers

BAbove Average

Investment Range

$226K – $297K

$154K – $309K

Franchise Fee

$30K

$41K

Royalty Rate

2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services

Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans.

Average Revenue (Item 19)

N/A

$262K

SBA Charge-Off Rate

25.0% (32 loans)

Limited data

Total Units

Unit Growth (YoY)

N/A

Year Began Franchising

1991

2004