1% Checks Cashed 1% offers the lowest rate check cashing in the state. We cash payroll, insurance, company, tax, goverment, and even personal checks - all for the same low rate - 1% plus $1.00! We cash insurance checks, tax checks, government checks, payroll checks, disability checks, 401K Checks, Settlement Checks. Basically, all kinds of checks for any amount for one low price. 1% plus $1.00.