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Tax Scams 2020: A Comprehensive Guide

tax scam guide

In 2018, the IRS had 649,000 confirmed cases of fraudulent tax returns from scammers trying to steal over $3 billion in tax refunds.

There are a lot of new and old ways being used to trick taxpayers and tax preparers alike. Like fake emails and phone calls, or even holding important documents they’ve stolen up for ransom. But the IRS is doing everything they can to protect taxpayer’s personal information and weed out scammers.

Protecting your information and important documents is the key to avoiding tax scams. Knowing a thing or two about what tax scammers are doing and how they’re doing it can also help you spot a scammer before you get taken advantage of.

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What are Tax Scams?

A tax scam is when someone uses tax season to steal private information. Many tax scams try and steal your personal information so they can file your taxes before you do, and claim your tax refund for themselves.

How to Tell if Something is a Scam

There’s not a worse feeling in the world than getting fooled by a scammer. Avoid letting this happen to you by first understanding what scammers want. They want to get you to pay for fraudulent services or they want your personal information. Second, learn to recognize the characteristics of a scam before it tricks you.

  • They will try and make you panic
  • They will try and get you to download something
  • They will try and get you to click on links
  • They will want you to pay in prepaid debit cards, gift cards, or wire transfers
  • They will demand immediate action and try to rush you
  • Their site won’t be secure
  • They will contact you in a way that the IRS won’t, like through emails, phone calls, or texts
  • Their promises will sound (and be) too good to be true

Common Tax Scams

The official website of the IRS is a great place to go for information and resources about tax scams. This year the IRS published a list of tax scams they call the “Dirty Dozen.” Here’s a brief recap of the tax scams you’ll want to look out for and what you should do if one of these tax scams hit you.

1. Berkheimer Tax Innovations Scam

Berkheimer Tax Administrator Services is an example of taxpayers receiving concerning letters in the mail about their taxes. They are one tax preparation company that has received a lot of flax for less than ideal business practices. Many of their customers have complained to the Better Business Bureau about receiving strange letters saying they owed delinquent taxes and asking for payment.

Be careful where you choose to file your taxes. When researching tax service providers you can always check their status on the Better Business Bureau’s website to make sure you aren’t falling prey to a scammy or fraudulent company.

2. IRS Tax Scam

Some tax scams will try and pretend they are the IRS in order to get you to pay them or give them information. This is also called phishing.

Phishing is when a tax scammer sends out emails or even creates a fake website to trick people into thinking they are the IRS. But the IRS directly states on their official website that they “will never initiate contact with taxpayers via email about a bill or tax refund.”

So if you receive an email claiming to be from the IRS, you can immediately know it’s a scam and report it. Do not click on any links or respond to any emails claiming to be from the IRS. By interacting with a fake email from the IRS you can jeopardize your computer and your personal information.

The IRS directly states on their official website that they will never do the following:

  • The IRS will not call you demanding immediate payment through a prepaid debit card, gift card, or wire transfer. If you do owe the IRS money, they will first mail you a bill, and you will never pay the IRS through prepaid debit cards, gift cards, or wire transfers. Scammers like to use these forms of payment because they are difficult to track.
  • The IRS will never threaten to have you arrested.
  • The IRS will never demand payment without allowing you to question or appeal what you owe.
  • The IRS will never ask you to give them your credit or debit card numbers over the phone.
  • The IRS will never suddenly call you about an unexpected refund for you.
3. Tax Evasion Scam

There are several forms of Tax evasion scams you should be aware of. These types of scams will try and sell programs to help you avoid paying taxes.

Offshore Tax Avoidance

One tax scam is to try and hide income offshore in order to avoid paying taxes on them. If you’ve been involved in any offshore tax avoidance, the best thing you can do is voluntarily catch up on your taxes to make things right.

Frivolous Tax Arguments

Some tax scammers will try convincing you to take part in frivolous tax arguments to try and avoid paying taxes. These cases are repeatedly thrown out in court, no matter what the tax scammer might say.

Abusive Tax Shelters

There are people who create complex tax avoidance schemes and then sell them to unsuspecting members of the public. Be aware that there are tax scammers like these, trying to peddle too-good-to-be-true schemes, plans, programs, or shelters.

4. Tax Fraud Scam

Other scammers will try and encourage taxpayers to fake information on their tax return in order to get certain benefits.

Return Preparer Fraud

Be careful when choosing a tax preparer or tax filing service. Make sure the website is secure and that the tax filing service is trustworthy and legitimate. Many scammers will try to pose as tax preparers to get ahold of your precious personal information and documents.

Find an established tax preparer you can trust, like Check City Tax Services, where you can file your taxes in a timely manner and know your documents and personal information are secure.

Inflated Refund Claims
Be careful if you are being promised an inflated tax refund, or if your tax preparer tries to get you to sign a blank return. When promises seem too good to be true, they often are. Trust this instinct and avoid scammers who will try and reel you in by promising larger than life tax refunds.

Falsifying Income to Claim Credits
Never trust a tax preparer that tries to convince you to falsify information on your tax record. All information on your tax return should be accurate. If someone tries to convince you otherwise, like that you received more income than you actually did, they are lying to you. Scams like these will lead you to pay large bills and penalties back to the IRS.

Falsely Padding Deductions on Returns
Again, all the information on your tax returns should be accurate. Do not inflate your deductions or expenses in order to pay less in taxes or get a larger tax refund. If your tax preparer is trying to work this way, then you should move your tax filing business elsewhere.

Fake Charities
Beware of fake charities. Sometimes you can recognize a fake charity because they will try and use similar names to well-known charities in order to confuse you. Donating to a worthy cause is a great thing to do, but not if you don’t take the time to double-check that the charity is real.

Excessive Claims for Business Credits
Be careful not to claim tax credits that you don’t actually qualify for. The fuel tax credit or the research credit are examples of tax credits you more than likely don’t actually qualify for. Make sure you fully understand each tax credit before trying to claim one.

5. Tax Scam Calls

You might receive a phone call from a person claiming to be an IRS agent. These fake IRS agents may even threaten you over the phone with legal action, police arrests, deportation, or license confiscation, but these threats are empty. They are only trying to make you think you are in trouble so that you panic and give them what they want.

If you receive a phone call from someone claiming to be an IRS agent and trying to do any of the following things, you can rest assured it is a scam and feel free to hang up and block that number.

6. Identity Theft

Some criminals will try and use the tax season to steal identities. One of the primary ways that someone can steal your identity is by getting their hands on your social security number or card. Then they can pretend to be you and try to claim your tax refund.

Keep your personal information safe by never revealing your social security number to anyone, and by keeping your social security card in a safe and secure location. It is also a good idea to memorize your social security number so that you don’t need to carry your card in your wallet where it’s more likely to get stolen.

How to Report a Scam

If you come across a Tax scam or fall prey to one, then you’re going to want to know how to report it.

First, fill out a 14039 form and send it into the IRS.

If you have any other questions about how to report any kind of tax scam you can find the information you need on the IRS website, Tax Scams – How to Report Them.

You can also visit the official website of the Office of the Inspector General (OIG) and Social Security Administration.

How Do I Know If I’ve Been Hacked?

One way to know if you’ve been hacked by a tax scammer is when you have trouble filing your taxes. Tax scammers often try and e-file your taxes before you do in order to snag your refund for themselves. You’ll then be unable to e-file your own taxes because the tax scammer already did it.

So if the IRS denies an e-file be wary, it could be a garden-variety error that you can go back and fix, but you should be able to successfully resubmit it if there was just a minor error.

 

Tax scams may seem scary but once you learn to recognize them, you’ll easily avoid being duped. Just be sure to protect your personal information and always be cautious in all your dealings. It’s always better to be overly safe than to wind up being sorry later.


The Beginner’s Guide to Filing Taxes

tax guide

Doing taxes might be one of the most procrastinated tasks we have to do each year.

But it doesn’t have to be that way.

With all the tax services available today you can get your taxes filed away with just a few clicks of a button. Some tax service places will even let you file your taxes early so you can get it done asap and cross that item off your to-do list right now. However you choose to do your taxes, there are a few things everyone should know about filing taxes.

How Do I File My Taxes?

It’s a common misconception that filing taxes is confusing and difficult to do. It really isn’t! Just follow these steps:

Step 1: Gather necessary documents

W-2 form.

You’ll get this from your place of work and it will have all the information you need on it—how much you got paid and how much you paid in taxes through your paychecks.

1099 form.

If you’re self-employed, a contracted employee, or a freelancer, then you’ll get a 1099 form from each of your employers instead. Since you aren’t receiving a taxed paycheck from an employer you may have to pay your taxes after filing since your taxes weren’t automatically paid throughout the year via taxed paychecks.

Step 2: Use these documents to file taxes

Give documents to a professional tax service.

The easiest way to get your taxes done is to simply submit these documents to a professional tax service. You can visit a financial store, like Check City, that offers tax services in person. Check City even offers Tax Advance Loans so you can get your refund sooner.

You can also use an online tax service to do it online. You may have to use your W-2 or 1099 forms to fill out some of the information. Using a tax professional or service will often come with some service fees.

File your taxes manually with the IRS.

You can also do it yourself by filling out a form called a 1040. Then you simply mail this form to the IRS. This route doesn’t have any service fees, besides postage, but it’s more effort on your part and takes more of your time.

Once you’ve finished filing taxes you’ll be able to see how much you owe or are owed. If you owe money you can mail it in to the IRS. If you are owed money then you can expect a check in the mail after the IRS is done processing your filed taxes.

When Do I File Taxes?

January.

You can file your taxes as soon as you receive the documents you need. These documents are your W-2 form from your employer or any 1099 forms you get from employers and contractors. You’ll usually receive these documents in January or you’ll need to request them.

This year the IRS will start accepting filed taxes on January 27th, 2020. Ideally, you’ll want to have everything ready to file by this date. That way if you are getting a tax refund, you can get your money as soon as possible.

When are Taxes Due?

April.

“National Tax Day” is usually on April 15th every year. But if the 15th of April falls on a weekend, then they’ll push it back to the 16th or 17th. This is when your taxes for the previous year are officially due to the federal government.

For example, taxes for 2019 need to be filed by Wednesday, April 15th, 2020.

When Do I Get My Tax Return?

up to 3 weeks.

When you get your tax return will depend on when and how you file your taxes. Since the IRS doesn’t start processing filed taxes until January 27th this year, you won’t receive your refund until after this date. You can check your refund status on the IRS’s website if you’re curious.

But generally, your tax refund can take up to 3 weeks to get to you after January 27th and after you’ve filed your taxes. It’s also always a good idea to keep a copy of your tax return for your own personal files.

If you want to get your tax refund quicker, you can do so by e-filing your tax return at Check City rather than mailing it in.

Why Do I Have to File Taxes?

To make sure you paid the correct amount in taxes the year before.

The main reason you have to file taxes at the beginning of each year is to make sure you paid the correct amount in taxes the previous year and didn’t over or underpay.

Income tax gets taken out of each paycheck throughout the year, but this amount isn’t always the amount you end up owing in taxes by the end of the year. By filing taxes at the start of the new year, you and the government will both know for certain whether you owe more in taxes or are owed the extra you ended up giving in taxes.

How much you pay in taxes is determined by your total income over the course of the year. How much you make will then place you in a certain tax bracket, and that percentage is how much you should have paid in taxes. But this percentage can’t be known for certain until after the year is done, that’s why taxes are always filed at the beginning of the following year.

Benefits to Filing Taxes
  • You can get a tax return if you ended up paying more in taxes then you needed to based on how much you ended up making over the year.
  • You can also end up getting tax deductions for certain things like giving to charity, nonprofits, medical expenses, or if you spend personal money on your job or business.
  • You can also get tax credits for things like education or paying for childcare so you can work.

And that’s all you need to know! See? Taxes can be a dream, not a nightmare. You can also check out the IRS’s website for any other information you may need.


The Top Tax Scam of 2015 to Watch Out For

Online scammers never sleep and it looks like that’s the case for the 2015 tax season as well. Last night local news station KSL 5 did a report about a phishing email that has been going around claiming to be from the IRS and trying to get a hold of people’s personal information with promises of “unclaimed tax money” or “hundreds of dollars in additional tax returns.” The promise of free money has already been enough to convince some victims to fall for this phishing scam.

These online scammers seem to be pros at catching people in a moment of weakness and convincing them to give up just enough information to leave themselves susceptible. In this case they’re timing their email just as people have started filing their tax returns and have made their email look just trustworthy enough to bait victims into clicking on the perilous link in the email.

With phishing emails, timing is everything. These online scammers know that it’s the time of year when people are filing their taxes and anxiously awaiting their tax refunds so they’ve changed their tactics to try to capitalize and take advantage of those that would be open to their message.

Here’s how this latest scam works:

1. Scammers send out a phishing email.
The email that has been circulating in recent days says something to the effect of, “We’ve determined that you are eligible for a tax refund under section 501(c)17 of the internal revenue code.” The hope of these scammers is to build enough hope, and trust to get people to take their email seriously.
phishing_definition
2. They convince you to click on a link in the email.
Once they’ve built up trust, their whole goal is to get you to click on a link they’ve provided in the email. Sometimes links in these phishing emails will take you to a website that is made to look like an official IRS website. Once on these websites you’ll be asked for additional personal information. This tactic has been used for years because these scammers like to piggyback off the trust and credibility of the IRS. By entering your information you’ll be giving these criminals just enough information to possibly steal your identity.
In the latest case of phishing though, the scammers haven’t even tried that hard because once the victim clicked the link in the email it took them to a shady online gambling site and a virus started downloading immediately. Once this virus has downloaded, these hackers now have access to your computer.

3. Take control of your computer.
Once the virus has started downloading to your computer, it takes control of everything and disables your ability to move the mouse and shut off the computer via the start menu. The victim in this article was smart and turned his computer off manually once he saw that he lost control.
If you find yourself in this situation it’s best to disconnect your computer from the internet completely. At that point you can either start your computer up yourself and assess the damages (while still disconnected from the internet) or you can take your computer to a local computer repair technician where they can scan your computer for viruses, trojans, malware and any other programs that could be skimming information from your computer.
Remember to it’s critical to leave your computer unplugged from the internet once your computer is infected because if you’re connected to the internet the hackers can do any number of things including skim personal information and even use your computer to attack other computers.

Important Reminders:

  • The IRS Never Sends emails, texts or tweets about a refund out of the blue.
  • Make sure any email you received ends in an official @irs.gov
  • Don’t click on any links. As with this case, once the link in the email was click, it was too late.

If the email looks official, don’t click on any links or do anything further. Call or visit your local IRS branch in person.
Consider hiring a tax professional. Hiring a tax professional like those at Check City will add an extra layer of protection. Check City takes care of all the filing and can either have your return direct deposited to your account, get you a Check or we even offer tax refund anticipation loans so that you can get your money quicker.

If you know of any other tax return scams that our readers should be aware of, please leave a comment below!

Why You Really Need to Use a Tax Professional

Preparing your own taxes is a really brave thing to do. It requires a certain amount of confidence to take on a powerful institution like the Internal Revenue Service; the kind of institution that has the ability to ruin your finances and drag you down into the depths of a time-consuming audit.

But most people these days aren’t really filing their taxes themselves—they’re using software programs that guide them along and summarize the process for them. While this can speed things up, electronic filing services aren’t really prepared to cater to your specific tax needs. They have a kind of one-size-fits-all mentality.

Check City offers one-on-one tax preparation with a professional, which is really the best option if you want to get the maximum refund possible, and if you want the peace of mind that comes with trusting in our expertise.

A Tax Professional will save you time

The IRS estimates that it takes an average person 16 hours to complete the tax form 1040. With your busy lifestyle, do you really have 16 hours to spend pouring over your taxes?

With all the distractions of family life, the home isn’t really ideally suited for tax preparation. It’s more likely that you’ll miss an important detail with your kids running around the table, or blasting the television.

Our office offers you a calm place to sit down with one of our tax professionals, where you can focus on the important details that you might overlook on your own. Once we have all the information we need from you, we’ll carry on without you so you can get back to the things that really matter in your life.

A Tax Professional will save you a headache

There have been nearly 5,000 changes to the tax code since 2001—are you sure you can keep on top of all those new rules?

It’s your tax professional’s job to know all the ins and outs of the tax code, so that you don’t have to sweat it.

Changes in your life can have big tax implications

If you’ve recently moved or changed jobs, you’ll need a tax professional to help you navigate the various tax implications these events can have.

When you sit down with a tax professional one-on-one, he or she gets to know you as a unique individual. And then your return can be filed with your personal situation in mind. These are the things that tax software can’t offer you—a computer can never get to know the real you.

Using a Tax Professional gives you peace of mind

There’s a 3-year statute of limitations, excluding cases of fraud or underreporting, for when the IRS can come after you with an audit. When you trust a tax professional to prepare your taxes, you really are covering all your bases.

Don’t forget: Tax Professionals get you more $$$!!!!

A tax professional knows all the little deductions and tax breaks that add up to a bigger refund. You can even deduct any tax preparation fees on next year’s taxes, so there’s really no reason not to seek out our tax preparation services.

Walk into any Check City office today, no appointment necessary, and sit down with one of our tax professionals. You’ll be surprised how much money, and anxiety, we can save you this tax season.

Having a Positive Attitude about Taxes

As tax time comes around again, no doubt you’ve heard a lot of grumbling. Perhaps you’ve done some complaining yourself. But instead of making this year’s taxes a miserable experience, here are a few tips to keep your attitude positive and your spring care-free!

Do Taxes Early

First, the quicker you can get the whole process over with, the better. Putting off taxes makes you think/worry about them longer, drags down your spirits, and results in more last-minute panicking if you run into troubles on April 15th. If you’re not sure how to do your taxes, don’t let that stop you from taking action, seek out a tax professional to help you get them done quickly.

Stay Organized

Another preventative measure is to keep all your financial documents in one place. Don’t let all your receipts, bankbooks, W2 forms, etc., scattered around your home and/or office. If you have everything you need in one place and have kept track of all your finances throughout the year, you should have no problem getting your taxes done quickly and pain-free.

Get Help

If just thinking about doing your taxes stresses you out, consider getting help with your taxes this year. Turn to a parent, a sibling, a neighbor or community organization that is capable and willing to help you out with your taxes. Schools, cities, AARP, and other organizations offer free tax-help to their demographics. See if you qualify for their help. Or, hire a professional tax worker to do them for you.

Accept It

Rather than getting angry or annoyed about having to do taxes again, simply accept it as a part of life. Sometimes that’s all it takes. Just like having to eat to live or sleep to rest, change your attitude to accept taxes as a natural part of life. Once you do, you won’t feel so imposed upon or aggravated. Sure, it is a little unpleasant and troublesome, but hey – it’s life!

Dig Into Your Patriotic Soul

If what bothers you is all that money that’s being taken away from you – stop and think about why those taxes are there. Perhaps some of them don’t make sense to you, but think about the others. You pay taxes to help keep roads nice, to provide neighborhood security, to help kids get a good education, and so on.

Think about all the financial trouble our country is in, and be grateful that you can do something to help out. Try to set aside your anger or disagreements with whatever political battle is going on, and remember that we’re all trying to get through this mess together.

Be Grateful

Be grateful that you have to pay taxes. Why? Because it means you have an income, a home, or whatever else. Some people aren’t lucky enough to have those things. And also remember that you’ll be getting some tax returns! Hooray! Try not to remember that it was taken away from you to begin with, and just think of it as free money for being a good citizen. Sure, it’s just a mind trick – but for lots of people, it works!

If you have any other ideas for making tax season a little easier, share with us below!

Top 4 things every tax payer forgets

Every year, taxes come around and just one little thing was forgotten. These little things tend to actually make a big difference, and it’s a good idea to get a head start on your taxes now while you still have time to correct any accidental mistakes. Here are a few of the most commonly made mistakes. If you’re not sure if any of these apply to you, remember that there are trained tax professionals at all of our Check City locations can help.

Unemployment

If you have been released from a position within the past year and have been receiving unemployment benefits in compensation for a lack of salary, a portion of that is still considered taxable. There are two ways to avoid the shock when taxes come around. Before you receive any benefits you can opt to automatically lose 10 percent of every check to the IRS by filling out a Voluntary Withholding Request (W-4V). If, when the time comes, you don’t feel that you can part with all of the tax money you owe from unemployment, you can pay estimated taxes.

Alimony

Often with the stress of divorce, taxes seem like little to no importance and you forget that the alimony you receive must also go towards taxes. To prevent all of your alimony and other untaxed income to go to the IRS in a big chunk in April, look into estimated tax filings. If you also receive child support in addition to your alimony, those are not taxable and you do not have to worry about losing a cent of it to the IRS.

Prize Winnings

How fair would it be if you won a competition and got all of the prize money? Well, it does seem fair but the IRS doesn’t play that way. That money is still considered taxable, and in all the hubbub you are likely to forget how much of it you are really due. This also applies to any property you win, and you have to pay taxes on the fair market value of it. Whoever you won the prize from will give you a form declaring how much the prize is worth and you must report it in your taxes. If you are caught underreporting what you earned, you will most likely become subject to an investigation.

Money earned from gambling is taxable as well, however you can subtract any losses you may have sustained gambling from your winnings, which may even out how much you have to pay in taxes.

Social Security Benefits

If you are receiving Social Security benefits as the only source of your income, you have nothing to worry about and the money isn’t taxable. But if you have another source of income, those benefits are considered fair game to the IRS. They can tax up to 85 percent of your Social Security
checks. Much like the unemployment checks, you have two options. Either automatically have the tax money deducted from the check when you get it, or pay estimated tax payments.

If you have any questions about your taxes and how much you owe, talk to a professional. All of our Check City locations offer tax services so don’t be the one to make the mistake that will cost you big time when tax season comes around.

Filing for a Return

If you are looking for a bit of extra money, filing for a return on your taxes may be something you may want to consider. This process is quick and easy to do, and it can easily get you back a sizable amount of cash.

Filing for a return is what you do if there is an excess of taxes paid for your bracket, along with a host of other factors, you may want to talk to an expert if you are unsure of whether you will qualify for a return. You can visit your nearest Check City location in order to access some of our financial services to help. If you think you might be qualified to get a return, use of tax preparation services in order to be sure. Our in house experts should be able to aid you in the process and give you the best overview of what you will qualify for.

If you do qualify for a return, then the government can send you a check which gives you back some of the funds which you have paid over the year. The money is yours to sped as you will. In a lot of ways, getting a return is like getting a mid year bonus, which can help you to take care of whatever financial situations you are looking at.

This is especially helpful for those who have been working and are in a situation where they do not meet the limit for filing, and would benefit greatly from getting a return. Given how much is taken out for taxes from each paycheck, the money you can get back truly will make a difference.

Come visit any Check City location to let us help you with your taxes. Our financial experts should be able to give you individualized attention, so you know the best approach to personally take.

10 Awesome Things To Do This Weekend

Winter is here but the good news is so far there has not been much snow and it has been as cold as past winters. Thinking about things to do this weekend? Well here is a list of ideas Check City has put together to help you get through the weekend as well as making it a great and enjoyable one.

  1. Clean and get organized: During the week you might not have time to clean. You are always in a rush to get to work or to school. This is the perfect time for you to put your house in order. Don’t forget that your home represents your life. A cluttered home  means a very disorganized life.
  2. Check out some podcast: Podcasts are wonderful things; top-notch audio programs available for you to listen to for free. Give some a sample,  and you can do it easily by using iTunes. Visit the Podcast section of the store and check a few out.
  3. Go grocery shopping for the week: Plan in advance what you would like to eat during the week and go grocery shopping. If possible cook some food in advance to save you time and money.
  4. Check out the community calendar: Go to your community website and check out some events. Get involved in your community and provide services for those who need it.
  5. Meet your neighbors: If you just moved into a new neighborhood, go out of yoru way and meet your neighbors. That way you know who to go to when you need help.
  6. Play board games: When you done cleaning and want to relax, one great way is to play board games. It helps you relax at the same time freshens and sharpens your mind.
  7. Learn a new hobby: There is always something new to learn. Explore other talents and hobbies and find out what interests you. You will be amazed at how better you can become if you put in the time. Also along the same lines, you can choose a new topic and learn the basics about it.
  8. Teach yourself how to change the oil in your car: If you’re due for an oil change, just bring the oil you need home with you and teach yourself how to do it. All you really need is an old pan to catch the wasted oil and a funnel to pour the old oil back into the canisters for later disposal. Just use your car manual as a guide for the procedure and you might just find that not only is it a lot easier than you thought, but it’s a useful skill to have and it’s cheaper than taking your car into the shop.
  9. Start a blog of your interest: It is amazing what writing can do to you. When feeling depressed or happy or whatever emotions you feel, express it on your blog. You don’t necessary have to blog about you. Find somethingyou love and are passionate about and write about it. You can start for free at blogger.com or wordpress.com
  10. Take some digital photos: Take your camera one day and go out and explore. Take photos.

To explore most of these ideas, you do not need money but under any circumstance if you are in need of money, Check City has got your back. All you need to do is visit us online or in store and we will be happy to help you.

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