The evidence shows that situations like yours are not how payday check cashing businesses are usually used. Often people get into a revolving door of debt. Sure, there are situations where they can be used for good. Generally however, they are not. Rather than accepting, and let's call them what they generally are, predatory check cashing loans, for the VERY limited good that they do, why not work on improving the clearing house system so that your check can get through a real bank in a reasonable amount of time?