Check cashers, FINTRAC handled.

You’re FINTRAC-regulated now, and banks are quick to close cheque-cashing accounts. We register you, build your AML program, and keep you banked, so you can keep cashing.

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Why check cashing businesses choose us

100% MSB approval guarantee, or your money back
Direct, known relationships with FINTRAC
Up to 50% below typical consultant fees
A named CCO who knows your sector

How we help check cashing businesses

One team, from registration to fully compliant

Get your MSB registered

We draft and submit your full FINTRAC registration and manage every regulator conversation, with a 100% approval guarantee. Most clients are approved faster than the usual 8–12 months.

A dedicated Chief Compliance Officer

We become your named, fractional CCO, running your AML program day to day for a fraction of a full-time hire. Ongoing advisory, reporting, and audit-readiness, without another salary on payroll.

Keep your bank account open

We build a bank-ready compliance file and make introductions to MSB-friendly institutions, so a de-banking notice doesn’t shut you down.

The reality for check cashing businesses

Your challenges, solved

The challenges you face

You’re newly regulated

Since April 1, 2025, cheque cashers are FINTRAC-regulated MSBs. Overnight you need registration, a compliance officer, and a full AML program, or you’re operating offside.
Banks keep closing your accounts

De-banking is now the number-one operational risk. Banks demand your FINTRAC number, written policies, and proof of training and audits, or they show you the door.
ID verification is new to you

Verifying customer ID, keeping the right records, and hitting the thresholds is unfamiliar territory, and getting it wrong is exactly what fails a FINTRAC exam.
Template AML policies don’t fit

Generic AML policies you find online don’t reflect how a cheque-cashing business actually operates. You need a program built for your model, not a template.

How Comply North helps

We register you and build the program

Full FINTRAC registration plus the five-pillar AML program cheque cashers now legally need, done for you.
We keep you banked

A bank-ready compliance file and introductions to MSB-friendly institutions, so a de-banking notice doesn’t end your business.
We set up your ID and record-keeping

Simple, compliant customer-ID and record-keeping processes, with your team trained so it holds up under examination.
Policies built for check cashing

No copy-paste templates. We draft an AML program tailored to exactly how your cheque-cashing business runs.

All of it at a fraction of the cost, usually up to 50% below other consultants.

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What you’ll walk away with

A registered, defensible, bank-ready compliance operation, run by experts, so you can get back to running your business.

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FINTRAC registration approved and defensible
A documented, operational AML program
A named CCO managing your obligations
Banking that stays open

FAQ

Check Cashing compliance questions

Do cheque cashers need to register with FINTRAC?

Yes. Since April 1, 2025, cheque cashing businesses are regulated as money services businesses (MSBs) and must register with FINTRAC, appoint a compliance officer, and maintain a full AML program.

How do cheque cashers keep their bank account?

Banks want to see FINTRAC registration, written AML policies, and proof of training and audits. We build a bank-ready compliance file and introduce you to MSB-friendly institutions so you stay banked.

What ID do cheque cashers have to collect?

You must verify customer identity at the $3,000 threshold, keep records, and watch for structuring. We set up simple, compliant ID and record-keeping processes and train your team.