How to Cash a Check without a Bank Account or ID

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Don't have a bank account but need to cash a check? No problem! You can still cash a check without a bank account by visiting either the bank that issued the check or a check cashing store.

Typically, people cash a check by depositing it into their bank account, cashing it at their bank, or presenting identification to cash it at the issuing bank. If you don't have a bank account, you can still cash a check by going to the issuing bank or a check cashing store. If you have lost your ID, you can still cash the check by using an ATM or endorsing it to someone else. Read on for more information.

Cash a Check without a Bank Account


Cashing a check without a bank account is possible, but it comes with additional fees and less convenience.

If you have identification, here are some ways to cash a check:

  1. Cash it at the issuing bank (as indicated by the pre-printed name on the check)
  2. Visit a retailer that offers check cashing services (such as a discount department store or grocery store)
  3. Use a check-cashing store
  4. Deposit the check into a pre-paid card or checkless debit card account through an ATM.

Keep in mind that each of these options comes with fees and may take time. Although the fees may seem small, they can quickly add up. For example, if you earn $300 per week and pay $7 to cash your check, you're losing 2% of your income just to convert it to cash. Over the course of a year, this could amount to $360 in fees.

To save yourself time and money, consider opening a checking account at a bank. This way, you can receive direct deposit from your employer or deposit your check at an ATM.

Do I need an ID to cash a check?


If you don't have identification, here are a few options to consider when cashing a check:

  1. Deposit it into your account through an ATM at your bank.
  2. If your bank offers it, use ATM check cashing.
  3. Endorse the check to someone else.

Most banks require that you present identification before they will cash a check, but there is no universal list of acceptable forms of ID. Contact your bank or the bank that issued the check to determine what type of identification they will accept.

As a final option, you can endorse the check to someone you trust and have them cash it for you. This creates a third-party check. However, many banks may require verification from the original payee that the endorsement was authorized by having the original payee present and providing identification. To learn more about endorsing a check for a friend to cash, read on.

Read More: Best Ways to Invest Your Money

7 Best Places to Cash a Check (Besides Your Bank)


If you don't have access to a bank or are not close to your bank, cashing your check may be possible at a retail store, gas station, another bank, or any of these alternative locations.

Cashing a check without a bank account can be a major hassle. In today's world, most financial transactions are conducted online.

Nowadays, even exchanging money between family and friends is done through online platforms such as Venmo, PayPal, or Zelle, which typically require a linked bank account.

This makes it more challenging for the 7% of people in the US without a bank account to manage their finances, especially when it comes to cashing checks.

However, having a bank account makes cashing a check much easier. You can simply visit the bank or use an ATM, and some banks even offer the option to deposit a check by taking a photo of it through their app.

If you don't have a bank account, you cannot simply go to a nearby branch to deposit a check. Even if they do cash your check, you will have to pay a fee each time.

If you need prompt access to your funds and don't have a bank account, consider visiting one of the check cashing locations listed.

Although it can be difficult to cash a check without a bank account, it is still possible. There are various companies that offer check cashing services, but you may have to pay a fee for the convenience.

The good news is that you can leave with cash immediately.

Each check cashing location may have different policies and criteria for cashing checks, so it's best to confirm beforehand to avoid a wasted trip. Some places may cash specific types of checks that others may not, so it's important to call ahead.

1. The Bank listed on the check

If you're seeking to cash a check without a bank account, the simplest option is to approach the bank listed on the check.

You can locate this information by checking the area above the memo line in the bottom left corner. Contact a local branch to inquire about its check cashing policy.

The bank can easily verify the availability of funds by checking the balance of the account of the person who wrote the check. Some banks may also make a security call to the account owner to confirm there is no fraud involved.

Previously, the bank listed on the check was the most cost-effective option to get cash. However, many large banks now charge fees for cashing checks if you don't have an account with them. These fees typically take the form of a flat rate or a percentage of the check amount, up to a certain limit.

Each bank may have varying terms and conditions for cashing checks associated with its institution. The most reliable way to ensure a successful check cashing experience is to call ahead and inquire about its policy and fees.

You will need one or two forms of valid identification to confirm that the check belongs to you. Ensure that you bring a driver's license, passport, or another government-issued ID card.

2. Walmart

Walmart is one of the most widespread and convenient check cashing locations on this list. With more than 5,000 branches, nearly 90% of the population in the United States resides within 15 miles of a Walmart.

Walmart also offers reasonable fees, with a charge of $4 for checks under $1,000 and $8 for checks exceeding that limit. This is comparable to the fees charged by most major banks.

One of the key benefits of cashing your check at Walmart is the availability of various options. For example, you can opt for a straight cash withdrawal or a reloadable Walmart Moneycard.

Types of checks that can be cashed at Walmart:

  • Pre-printed checks
  • Payroll checks
  • Government checks
  • Tax checks
  • Cashier's checks
  • Insurance settlement checks
  • 401k and retirement distribution checks
  • MoneyGram money orders
  • Two-party personal checks (up to a maximum of $200)

Important things to keep in mind:

  1. Walmart has recently started cashing personal checks, however, a fee of $6 is applicable and the limit is set at $200. If you need to cash a personal check, it may be wise to consider other options.
  2. Walmart has strict check limits. Usually, you can cash a check as long as it's below $5,000. However, during tax season (January to April), the limit is increased to $7,500.
  3. To cash a check at Walmart, you must bring the check and a valid form of identification to the store.
3. Ace Check Cashing

Some companies only function for this purpose. If you do not have access to a nearby bank, a check cashing establishment may be your only choice. 

However, be cautious as these establishments usually have the highest fees compared to other options. Fees can also vary among different branches of the same check cashing store, so make sure to inquire beforehand.

Before cashing your check at a store of this type, make sure to inquire if they require a credit check. Some stores run a credit report before cashing the check, as they are essentially providing you with a short-term loan until the funds from the issuing bank are received.

Ace Check Express is one of the most well-known choices, with physical locations in 24 states. It can cash almost any type of check, as long as you have a valid ID.

Ace Cash Express Services:

  • Personal checks
  • Payroll checks
  • Government checks
  • Tax refund checks
  • Insurance settlement checks
  • Money orders

The significant advantage that Ace Cash Express has over stores such as Walmart is its ability to cash personal checks. Its website does not display fees, so you need to contact a local store to obtain information on the cost of cashing your check.

4. Gas station

Gas stations used to be a more favorable choice for check cashing, but many have discontinued this service due to the elevated risk of fraud. Once the check is cashed, it becomes difficult for the gas station to locate the individual responsible.

However, 7-Eleven still provides check cashing services. Many of its locations have a Vcom kiosk, which is a touch-screen station that enables you to cash checks, pay bills, and perform other financial transactions.

The more convenient option is to download the Transact by 7-Eleven app, which allows you to deposit checks using your phone. The cash is added to your reloadable 7-Eleven prepaid card, which functions like a Debit MasterCard and is accepted by most online and retail stores.

Please note that it may take approximately 48 hours for the funds to be loaded onto your card.

You can also use the 7-Eleven prepaid card to establish direct deposit from your employer and government benefit checks.

Other gas station check cashing options include:

  • Pilot Flying J
  • TravelCenters of America

Keep in mind that not all locations of these gas stations and travel centers may offer check cashing services, so it is recommended to call ahead to locate one that does.

5. Your employer

In certain circumstances, your employer may provide check cashing services for personal checks.

Check cashing is subject to specific rules and regulations, so most employers choose not to offer this service. However, some do. Employers can cash payroll checks without a limit on the dollar amount.

Employers may also cash non-payroll checks as long as the amount does not exceed $1,000 per day. Anything higher than that would subject the employer to banking regulations as an official "check casher."

6. Grocery store

Grocery stores are a reliable and convenient option for check cashing. Since you likely visit a grocery store a couple of times a week, you won't have to go out of your way if you have a store that offers this service.

Not all grocery chains offer check cashing services, but here are some that do:

  • HEB
  • Kroger
  • Publix
  • Winn Dixie
  • Albertsons ($1,000 limit)
  • WinCo
  • Stop & Shop
  • Hyvee

Note that fees and check limits may vary between stores, and all will require a valid form of government ID.

Cashing personal checks is usually not possible due to the risk of fraud, but if you are trying to cash a government check, payroll check, cashier's check, or money order, your chances of success are high.

7. Endorse your check to a friend or family member

If you don't have a personal bank account, you can endorse the check to a friend or family member who does have one. Endorsing a check is a simple two-step process:

  1. Write "Pay to the order of [Name]" on the check
  2. Sign underneath.
Endorsing a check to someone else involves writing "Pay to the order of [Name]" and signing below it. This person can then cash the check for free and give the money to you. 

However, this requires a high degree of trust and in some cases, both parties may need to be present at the bank to verify that the endorsement is not done under duress. 

It's important to consider that relying on this method of cashing checks repeatedly could strain relationships with friends and family, and it may be more convenient in the long run to open a checking account of your own.



- Can you cash a check at an ATM?

Despite a checking account, you practically can't cash a check at an ATM.

You could down payment a inspect and instantly follow it up by withdrawing cash from your account. However, if you have actually absolutely nothing in your account before depositing the inspect, you'll not have the ability to take out the funds for 24 to 48 business hrs.

Without an account, however, there's no chance to do this.

- Can I cash a inspect without an ID?

With the exemption of backing your inspect to a buddy or relative, all the inspect cashing places over will require at the very least one form of ID, sometimes 2. If your ID is expired, after that practically it's not legitimate and will not matter as a type of recognition.

If you don't have an ID, you have 3 options:

- Back the inspect to another person

- Cash the inspect online

- Register with a financial institution and use its online application

- How can I cash a inspect online?

If you do not have a checking account but have internet access or a mobile phone, there are a couple of options. Both most popular applications that do not require a checking account to be connected are PayPal and Ingo Money.

You can use Ingo money to down payment almost every type of inspect, consisting of transcribed individual inspects. You simply back the inspect by signing it and taking a photo of the front and back. Once the inspect is approved, the funds will be sent out anywhere you assign them.

With Ingo, you have a variety of options to access your money:

- Pre-paid debit card

- Get money in individual at a MoneyGram place

- gift card

- PayPal account

However, the fees for Ingo can accumulate quickly. Federal government and payroll inspects are $5 each. If the quantity mores than $250, you will pay a 2% charge. This means for a $1,000 inspect, you will pay $20. For all various other inspects, you will pay a 5% charge.

With PayPal, the fees are just slightly better. You will pay 1% for federal government and payroll inspects and 5% for all others. You can move the funds to a pre-paid debit card and after that take out the cash at most ATMs.

With both online applications, you can avoid paying these fees if you're ready to delay a complete 10 days to access the funds.

Cashing a Inspect is Easiest and Most affordable with a Financial institution

When you do not have a checking account, you will constantly be stuck paying fees to obtain your inspects cashed.

If you are sick of paying fees, driving about community, and calls places to inquire about their plans, you might want to think about opening up a checking account. The best online inspecting accounts permit you to make the highest rate of interest on your savings and obtain your inspects cashed fee-free every time.

Read More: How to Borrow from Cash App


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