PLS Check Cashers – 780 E Centerville Rd

PLS Check Cashers is a U.S.-based financial services chain focused on check cashing, prepaid cards, bill payment, and money transfers, aimed at underbanked and cash-dependent customers. The brand name reflects its origin as a payday-lending–style lender portfolio and expanded to multiple states since its founding in the late 1990s, emphasizing quick access to cash for those without traditional banking.

Growth highlights include expansion across several states, deployment of a store-network model, and diversification into related financial products to meet evolving consumer needs and regulatory requirements. While individual store performance varies, the company consistently markets itself as a convenient, accessible option for cash-based transactions in urban and suburban markets. For further detail, consult the company’s store locator and financial services overview at its official site and industry profiles.

Check cashing in Texas is largely unregulated by the Texas Banking Department; a state regulator does not license or supervise check cashers, and complaints are typically handled by the Attorney General’s Office. Consumers should be aware that fees can vary by operator, and banks may still charge fees for non-customers cashing checks. For federal rules, cashing max thresholds for MSBs and CTR reporting apply when applicable, and FinCEN registration may be required for larger volumes. Always verify local operator details and file complaints with the AG if issues arise.

PLS Check Cashers locations offer more than check cashing. They typically provide money orders, bill payments, money transfers, and prepaid debit services, along with basic financial convenience like paying utility bills and other small financial transactions. For precise menu at the Garland location, see the official PLS site or visit the store for a current list of services.

PLS Check Cashers’ official filings and corporate information are primarily located through state and federal business registries. Search or request records from the Texas Secretary of State for corporate status and governing documents, and check the U.S. Securities and Exchange Commission or equivalent state agencies for any additional filings if it operates as a registered entity or holds licenses. For due diligence, you can also review the company’s BBB profile and local licensing records in Texas.

Common compliance requirements for payday loan and check cashing businesses include:

- Adhere to Bank Secrecy Act (BSA) and FinCEN registration and ongoing reporting obligations; maintain a written AML program, perform internal reviews, and file Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required.
- Implement robust customer identification (KYC) procedures, verify IDs, and maintain transaction records to support audits and regulator reviews.
- Maintain accurate MSB (money services business) registration lists, independent AML reviews, and thorough recordkeeping for funds transfers, money orders, and other monetary instruments.
- Ensure OFAC screening and sanctions compliance, plus trained staff and documented procedures to detect and report suspicious activities.
- Comply with state-specific licensing, renewals, and location-based rules; establish appropriate operating procedures and audit trails to demonstrate regulatory adherence.

For more detailed guidance, consult FinCEN’s definitions and NCC/NatCNC check-cashing resources, and local city or state regulations where the business operates.