Check Into Cash Reviews

Pros

Its's a good resume builder, and it will give you cash handling experience.

Cons

Extremely high turnover, and awkward relationships among the managers, (they spy on each other) and no security in terms of an armed guard or glass windows.

Advice to Senior Management

You need to get better security for the centers I mean there is no means for protection for the workers whatsoever, appreciate, and hold on to the people you have working so you aren't constantly searching for new "recruits". Understand that handling all that cash, creating new accounts, approving and declining applications, cleaning the store, bank runs, check cashing, phone collections, driving to people's house to collect on past due loans, driving to people's job to collect on past due loans, organizing folders, verifying checks and money orders, going to all the store meetings, having to deal with "company approved snitches" regional manager and above taking pride in how bad they can "blow down" on the employees, all the changes in "upper" management, all the many store transfers that employees must endure time and time again, and very vague quotas and expectations, and ridiculously understaffed stores, will wear someone out FAIRLY QUICKLY. So keep in mind next time you hire someone for a managemenrt position. A fair chance at this "Manager's" position without having "termination" hanging over their head the ENTIRE time for various reasons would be highly, greatly, and unequivocally, appreciated.

Pros

plenty of hours
great for networking and working with a diverse crowd of people
great for learning leadership skills
many advancement opportunities

Cons

Long Hours
Unreasonable Deadlines and Marketing Expectations
Must travel for monthly meetings
high turnover rate
inadequate training for new employees

Advice to Senior Management

Visit the areas where stores are before providing expectations.
Provide better training for new employees.
Deadlines should be on a per store per employee basis.

Pros

Easy repetitive work. Gives you some "loan" experience. If you have a great office manager the job can be tolerable. You'll probably never need training.

Cons

You are selling for a loan shark. You make a ton of collection calls daily. There are offices that operate on minimum staff so you may work alone frequently.

Advice to Senior Management

Invest in a safe so that you are not risking lives by making your staff withdraw & deposit cash daily.

Pros

Job is easy to do. Training is good. Team environment. Benefits are okay. Gives opportunity to make bonus money, although it's not much.

Cons

Poor Pay, really poor pay. Upper management (corporate officials) tend to make decisions based on emotions rather than facts. Pay raises are based on uncontrollable events - good luck getting one. Security sucks.

Advice to Senior Management

Get out of the 16th Century. Upgrade equipment so that employees can do a more efficient job. Remember, you get what you pay for, so consider paying your employees a bit more and you might find higher quality employees.

Pros

With all the changes there will be advancement opportunites

Cons

Don't fall for the bonus program. When new managers are hired in they are promised they can make up their low pay with the bonus. Under the old system they could, but now it's being changed. The structure is being changed to have a ridiculous system of transactions combined with gross margin & it's all so that the stores where the headquarters are in KY & TN won't lose all their bonus. So those of us in profitable centers (mine nets 10-20K a month) are getting a pay cut. How do you tell someone who makes the company $ thanks, but we're cutting your pay? Oh, and to make it even better we now are rewarding the mediocre managers who have been driving away business with the ability to bonus. The managers who were making the company $ get a pay cut and those that weren't get a pay raise. Makes sense doesn't it?

Advice to Senior Management

Upper management needs to seriously reconsider this. There is going to be HUGE turnover. It's going to cost the company millions of dollars to rehire/train new management. The workers you're going to get are not going to be of the same caliber as the ones you have because the good workers aren't going to take a job where they make 22K a year to work 50 hours a week & have to deal with the headache of collections. If the company needs to make changes to make $ there are other ways to go about it. Here are a few ideas: stop sending upper management on an all expenses paid cruise every year, stop spending millions of dollars sending everyone for a week of "training" on what they already know how to do in KY, actually pursue people who don't pay so that people no longer believe they can not pay their loan back and it'll be okay. Employee morale is so low right now that in 3 months I would be shocked if you have any of your current employees left from bonusing centers. We are told repeatedly, "Your customers aren't coming in to pay Check Into Cash, they're coming to pay you." Well when all of your successful managers are gone who are they going to come pay? Certainly not the mediocre employees who are left and the new ones that aren't going to have anyone who knows what they're doing to train them. If you think you're losing $ now, just wait a few months.

Pros

It's a job, which is hard to find in today's economy. Some of the customers are pretty cool. Free pens.

Cons

Low pay. They expect you to be okay with the fact that they are too cheap to even put a freaking gate up at most centers to keep someone from coming behind the counter, blowing your brains out, and stealing the cash on hand. Incompetent managers. They pay attention to nothing but the "latest big trend." If corporate wants checks cashed, then screw everything else, you had better get 50 new check cashing customers all of a sudden...Okay, finally, 50 new customers...Oh, they don't care about check cashing anymore??? No, now it is Western Unions that they want.
You never get a pat on the back for a good job, only a threat for what will happen if you don't do a good job. The person was spot on that said that they try to "scare" you into doing a good job. That is the story of this business. STAY AWAY, DO NOT TAKE A JOB HERE NO MATTER HOW DESPERATE YOU ARE, IT IS NOT WORTH IT. It may seem okay for the first month or two...maybe three, and then it will hit the fan.

Advice to Senior Management

Actually give a crap about your employees. Privately ask the opinion of employees at each center, as how their work experience is or if they are having any issues with any fellow employees or customers harassing them or degrading them or belittling them, etc. PAY DECENT WAGES. Take SECURITY into account...we can spend $50.00 a month on "customer appreciation" but we can't have a freaking gate to keep people from casually walking behind the counter to kill out asses?!?!?! Oh yeah, and we handle thousands of dollars each day and only get paid 8 dollars an hour....instead of bitching at us all of the time, tell us we are doing a good job for once.

Pros

Been here a while so i know how everything works. Bonus is good money. Pretty relaxed on hours as long as you are fully staffed. My immediate boss is GREAT. Im in souther california.

Cons

Hourly pay is a JOKE> i would leave if i could afford it but am stuck for now. UPPER UPPER management is a joke always using threats to get stuff done. Trying to scare you into hard work. Hard to take off weekends if EVER. Owner is a joke as well brags about how much money he has yet we are "loosing money" as a company. My store NETS over 15k a month after all bills and we are loosing money my a$$.

Advice to Senior Management

GIve the employees that RUN YOUR COMPANY what they deserve actual INCOME. I have been here 3+ years and only make $10+n hour its crap. My bonus is on me and i make it stick. Employees leave cause safety is non existant and pay is horrible. Terrible combination.

Pros

Laid back atmosphere as long as work is done properly.
Very flexible towards schedule.
Good people working around you.
Upward mobility

Cons

Pay is not what it should be in certain positions.
Employee praise is not present.
Upper management does not listen to low end employees.

Advice to Senior Management

Make sure you treat your employees with respect. A lot of times a thank you or you did an incredible job can go a long way. Find ways to motivate

Pros

Management is easy to work with and good to you as long as you work hard. The benefits are good.

Cons

Pay is horrible! When I was hired I was promised that the bonus program would make up for the low pay. After more than 4 months of literally working 50+ hours a week trying to get this center bonusing it still hasn't happened. We've come very close twice which doesn't count. I'm still making less than I could working at a fast food restaurant.
Security is ridiculous. Managers are expected to go to the homes and work of people who don't pay to get the money. Showing up at someones office to try and collect money does not make them happy or get them to pay.

Advice to Senior Management

Employee turnover and finding good, intelligent, hard working employees is a constant concern. If the employees were paid a decent wage it would be much easier to recruit the employees with the qualitites the company wants. Paying a college graduate less than what they could make at McDonald's is not going to retain your employees. Honestly the economy being the way it is is the only reason I've stayed. I continue to look for a higher paying position and will take it once it comes up.
And the christmas card? It's extremley offensive to barely make enough money to pay your bills and get a christmas card from the owner bragging about the multi-million dollar home he just built.

Pros

The people I work with and the customers.

Cons

Low pay, crappy hours, most of all going to peoples houses to collect. doesn't work and makes them mad!

Advice to Senior Management

Learn about your employees and stop micromanaging them!