- Paynes check Cashing is a locally owned business in Culpeper. Our goal as a company is to provide fast service, a friendly atmosphere, and the cheapest rates to our customers. We have many financial services available to help you out today! br br We cash all types of checks for a small fee. We get you in and out quickly without the long lines you get at a bank. All we need is a state or federal picture ID and the check. br br Our Bill Pay offers a safe convenient way to pay your bills without the worry of your payment getting lost in the mail.