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Check It Out

"The Best Way Til Your Payday - Treat Yourself & Your Family To The Perfect Christmas - Call For More Info on Loan Options!"

About Us

Check It Out is a trusted financial services provider in Ottumwa, IA, serving Wapello County, Davis County, and surrounding communities since 2011. We offer convenient payday loans, professional tax preparation, electronic tax filing (e-file), and check cashing services designed to help meet your financial needs quickly and efficiently. Known for affordable rates and friendly customer service, we are committed to making financial services accessible and hassle-free. For added peace of mind, qualifying tax preparation clients can benefit from up to $1 million in identity theft protection through Protection Plus®. Visit Check It Out in Ottumwa today for dependable financial solutions and personalized service.

Our Story

Check It Out, founded by Ades, is a community-focused financial services provider that stands out in the local marketplace for its exceptional commitment to customer service and community engagement. Ades's journey into the business world began at the tender age of 15 when she started working at a bank, where her passion for finance took root. Growing up in a family deeply ingrained in the industry—her father dedicated 47 years to the Fareway grocery store chain—Ades learned the importance of hard work and financial literacy early on. He even taught her how to do taxes on paper, fostering her lifelong enthusiasm for numbers and financial management.

Check It Out was born out of Ades's vision to create a financial service that prioritizes accessibility and community. With her extensive experience in banking and finance, she successfully built two stores from the ground up, demonstrating her entrepreneurial spirit and dedication to providing invaluable services to the local population. What sets Check It Out apart from its competitors is not just its locally owned status or the fact that it is a woman-owned business, but also its commitment to offering the lowest rates in the area. Ades believes in making financial services available and affordable to everyone, ensuring that no one is left behind.

At Check It Out, customers can expect a fast and friendly experience. Unlike many businesses that may have waiting periods for check processing, Check It Out offers cash services on the spot, ensuring clients have immediate access to their funds. This unique aspect of the service model has garnered a loyal customer base who appreciate the efficiency and ease of transactions. The friendly, welcoming environment created by Ades and her team makes every visit enjoyable, transforming what can often be a stressful process into a pleasant experience.

Beyond providing exceptional financial services, Ades is deeply committed to giving back to the Ottumwa community that has supported her. She regularly sponsors local youth sports teams and engages in various community initiatives, reinforcing her belief that contributing positively to the community creates a ripple effect of goodwill. Ades emphasizes that her goal is to make Ottumwa a better place, and she strives to do that by ensuring Check It Out is not only a business but a cornerstone of community support and development.

In summary, Check It Out is more than just a financial service provider; it’s a local institution dedicated to serving its community with integrity and compassion. With a founder who is passionate about finance, community engagement, and customer service, Check It Out is poised to continue making a meaningful impact in Ottumwa. Whether you need cash on the spot, friendly advice, or support for local initiatives, Check It Out is your trusted partner in achieving financial peace of mind.

Areas Served

Languages Spoken

English
Spanish

What We Offer

Our Specialties include:

Check Cashing
Payday Loans
Taxes - We Can Service You from Anywhere!

Our Services include:

Copying
Faxing
Notary
Tax Preparation and E-Files
Fiduciary
Pay Day loans

Testimonials

On 5/16/2026 Muheem Khan had this to say:
She is gorgeous, hard worker , and very curious for every individual issues till make it done, I am very proud of her as a responsible part of this town as providing us tax stress free and others lot of things she does enthusiastically according to need of people

On 3/3/2026 Rachel Schneider had this to say:
Jeannie is awesome. Best place for tax preparation hands down!!

On 11/7/2025 Lisa had this to say:
The ladies here are so compassionate and friendly. Always greeted with smiles and questions about how I'm doing. #1 business in Ottumwa Iowa by far !!!! Thank You Ladies !!!!!!!

On 6/25/2025 Montana “Tana” Seibert had this to say:
The ladies here are wonderful! Very helpful and knowledgeable

On 6/24/2025 Brooke Handzlik had this to say:
Was my last stop trying to cash my check for 2 hours around town. No problems, & fast. Love the environment. Highly recommend.

Contact Us

Check It Out
303 E 2nd St Ottumwa, IA 52501
Phone: (641) 954-9000
Email: jrpayday@yahoo.com

Where To Find Us

Payment Types Accepted

Debit Cards, Personal Checks

Our Hours

Holiday Hours May Vary. Please Call For Details.

Monday: 9:00 AM - 5:00 PM
Tuesday: 9:00 AM - 5:00 PM
Wednesday: 9:00 AM - 5:00 PM
Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 2:00 PM

News

Skip the wait and get cash on the spot! 💸 At Check It Out, we make finances simple, fast, and stress-free—with friendly service you can trust. Plus, enjoy $1M identity theft protection for peace of mind! 🔒
📞 Stop by or contact us today!
#CheckItOut #OttumwaBusiness #InstantCash #MoneySolutions #IdentityProtection #LocalBusinessLove #AffordableServices #TaxSeasonReady #SmallBusinessSupport 🙌

Need cash fast? 💵✨ Check It Out in Ottumwa has you covered with quick payday loans, instant check cashing, and expert tax prep—all with the lowest rates in town! ✅ Locally owned, woman-owned, and built for the community.
📍 Serving Wapello & Davis Counties since 2011!
#CheckItOutOttumwa #PaydayLoans #CheckCashing #TaxPrep #OttumwaIA #SupportLocal #WomanOwned #FastCash #FinancialHelp #CommunityFirst

🛡️ At Check It Out, your financial security comes first — that’s why we offer $1 million identity theft protection with Protection Plus. 🔐 Whether it’s payday loans, check cashing, or tax prep, we’re here to help — and you can get up to $7,500 the first day you file if you choose the refund anticipation loan.
#IdentityProtection #SecureService #FinancialSafety #OttumwaIA #CheckItOutIA

💬 Have you used Check It Out for check cashing or taken advantage of the $1M identity theft protection plan? Let others know how our team helped you feel secure and supported — your voice matters! 🌟 Share your experience 👉 checkitoutia.com/reviews 💬
#TrustedService #CustomerVoice #IdentityProtection #CheckCashing #ReviewLink

🧾 Need reliable tax preparation & E-Filing? Check It Out offers expert income tax services to make filing quicker, easier, and stress-free. 📊 Maximize your return with confidence — and you can get up to $7,500 the first day you file when you choose the refund anticipation loan.
#TaxPrep #EFile #TaxSeason #OttumwaIA #CheckItOutIA

FAQ

What are the business hours for Check It Out in Ottumwa, IA?

Our business hours are Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 2:00 PM.

Does Check It Out place holds on checks?

We do not place holds on any checks. Once we verify your check, we can hand you the cash immediately.

How competitive are your check cashing fees at Check It Out?

We proudly offer the cheapest check cashing rates in town.

What services does Check It Out offer?

We specialize in payday loans, tax preparation and E-files, check cashing, and more. We also provide $1 million identity theft protection with Protection Plus to help safeguard your financial security.

What areas do you serve?

We serve areas around Ottumwa, including Agency, Batavia, Blakesburg, Bloomfield, Davis County, Fairfield, Ottumwa, and Wapello County in Iowa.