No Waiting 5 Days for Your Cheque to Clear at a Bank!​​
 

About Sunshine Processing Group

Sunshine Processing Group is a Calgary-based cheque cashing service specializing exclusively in payroll and business cheques. We provide a reliable alternative to traditional banks by helping eligible customers access their funds without unnecessary delays or extended hold periods.

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Founded on principles of fair pricing, transparency, and compliance, Sunshine Processing Group serves individuals and businesses who need a dependable, local cheque cashing partner.

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What We Do 

We offer same-day cheque cashing for valid:

• Payroll cheques

• Business cheques

All transactions are subject to identity verification and regulatory checks in accordance with Canadian anti-money laundering requirements. 
 

We do not cash personal, government, third-party, post-dated, altered, or handwritten cheques.

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Why We Exist

Banks can place holds of up to five business days on payroll and business cheques. Our role is to provide a faster, more accessible option while maintaining strict compliance standards and responsible business practices.

 

We focus on:

• Speed without shortcuts

• Fair, clearly disclosed fees

• Respectful and private service

• Consistent regulatory compliance

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Compliance & Transparency

Sunshine Processing Group operates under applicable Canadian AML and identification requirements. Every cheque is reviewed individually, and identity must be verified before a transaction can proceed.

 

We may ask questions related to:

• The issuing employer or business

• Supporting documentation

• Transaction purpose
   

This process protects both our customers and our business. All pricing is disclosed upfront. There are no hidden fees.

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What You Need to Cash a Payroll or Business Cheque With Us (Calgary)

Sunshine Processing Group cashes payroll cheques and business cheques only. Because cheque cashing is a regulated financial service in Canada, we must follow FINTRAC anti-money laundering (AML) requirements. That means we need to verify your identity and record certain details before we can complete a transaction.

 

To keep your visit fast, please bring:

• Valid government photo ID  
  (e.g., Alberta driver’s licence or passport)

• Proof of current address 
  (utility bill, bank statement, or official document dated within the last 3 months)

• Cheque support documents (if available) 
  (e.g., pay stub, invoice, employer/business contact details, or remittance advice)

• Your phone number (for contact and verification purposes)

• And yes.. the Cheque to be cashed!

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Why We Ask Questions

You may be asked a few questions about the cheque (for example: who issued it, why it was issued, and any supporting details). This is part of our FINTRAC-compliant verification and risk-based review. It helps protect customers and reduces fraud.
 

Fees (Disclosed Upfront)

Our pricing is transparent and confirmed before any transaction is completed:
 

• Payroll cheques: 1.99% of the cheque amount

• Business cheques: 3.50% of the cheque amount

• Administration fee: $3.00 per transaction
   

All fees are clearly disclosed in advance. There are no hidden charges.

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Important Notice & Transaction Disclaimer

All cheque-cashing services provided by Sunshine Processing Group are subject to applicable Canadian laws, including anti-money laundering and identity verification requirements. The presentation of a cheque does not create an obligation to cash the cheque.

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No cheque will be processed unless and until Sunshine Processing Group has:

• physically reviewed the original cheque,

• verified the client’s identity and required information,

• completed internal validation, risk assessment, and compliance checks.

Approval of any payroll or business cheque is not guaranteed and remains subject to regulatory, verification, and operational requirements. Sunshine Processing Group reserves the unrestricted right to refuse any cheque, decline any transaction, or request additional information at its sole discretion, without obligation to provide reasons, where permitted by law.

Fees are disclosed prior to completion of any transaction and may vary based on cheque type, verification requirements, or assessed risk.
 

Our Commitment

Sunshine Processing Group operates with a compliance-first, risk-based approach to payroll and business cheque cashing in Calgary. Our commitment is not only to speed and convenience, but to lawful, responsible financial service delivery that protects our customers, counterparties, and the broader financial system.

 

We conduct every transaction in accordance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and the guidance issued by FINTRAC. This means each cheque is assessed individually using documented internal controls, including identity verification, source-of-funds review, and transaction reasonableness checks.

 

Our processes are designed to:

• Prevent misuse of cheque cashing services for fraud or financial crime

• Ensure accurate client identification and recordkeeping

• Apply consistent decision-making based on risk, not discretion

• Maintain audit-ready documentation and transparency

 

While we aim to assist eligible customers efficiently, speed never overrides compliance. Cheques that do not meet regulatory, identification, or risk-assessment standards will not be processed.

 

By maintaining strict adherence to FINTRAC requirements and clear internal procedures, Sunshine Processing Group provides a cheque cashing service that is fast, fair, and defensible—for customers who value reliability and integrity as much as access to funds.

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