Shoot. That's not too bad at all. That's actually pretty reasonable. I'm looking online now for average rates and the going rate seems to be anywhere from 1-3% of the check's face value. That makes me wonder if I'm remembering things being worse than they are or if there were laws introduced to crack down on predatory fees. Edit: Looks like it's a bit of both worlds.Check-cashing centers typically charge a fee based on a percentage of the check being presented and these fees often range from 1 percent to 20 percent. In the state of Ohio, laws prevent check-cashing services from charging a check-cashing fee that amounts to more than 3 percent of the check amount. State law does not prevent centers from charging additional fees to convert proceeds from a cashed check into another form of payment such as a money order.