Check cashing usually averages 2 percent or less in the east. Many people cashing small payroll checks say for $300, will pay around $5. So for about $20 per month they avoid bounce fees. My bank charges $35 twice for a check that bounces, or $70 each time. That's 2.5 months worth of check cashing fees! Then you add in the fact that people tend to spend 20 percent or so more with a debit card, when they don't see the dollars go out of their wallet. Check cashing serves a purpose for some people. Most people who are able to manage their money can't grasp this concept.