Most individuals deposit checks in their bank accounts, cash them at their bank, or present their ID and cash them at the bank that issued the check. Cashing a check without a bank account is achievable by cashing it at the issuing bank or a check-cashing business. If you’ve misplaced your ID, you may still cash a check by using an ATM or signing it over to someone else. More information is provided below.
How to Cash a Check If You Don’t Have a Bank Account
It is feasible to cash a check without a bank account, but it is less convenient and will incur expenses.
How to cash a check if you don’t have a bank account but have identification:
- Cash it in at the issuing bank (the bank name that is pre-printed on your check)
- Cash a check at a shop that accepts checks (discount department store, grocery stores, etc.)
- Cash the check at a check-cashing establishment.
- Make an ATM deposit into a pre-paid card account or a checkless debit card account.
All of these methods will cost money and take time. The costs may be little, but they add up. If you make $300 per week and spend $7 to cash your paycheck, you’ve spent 2% of your income only to convert it to cash. That works up to $360 in fees each year!
Open a bank checking account to save money and time. You can usually receive direct deposit (your employer puts your paycheck straight into your account) if you have a bank account, or you can deposit your check using an ATM.
Is an ID required to cash a check?
How to Cash a Check Without a Photo ID:
- Use an ATM at your bank to deposit it into your account
- Use ATM check cashing if your bank provides it
- Someone else should sign the check
Most banks need identification before cashing a check, but there is no standard list of accepted forms of identification. Check with your bank or the bank that issued the check to see if you have a document that will suffice as identification.
As a last option, hand over the check to someone you trust and ask them to cash it for you. This results in the creation of a third-party check. If you pick this option, take in mind that many banks may want proof that the original payee approved the signing over of the check, which can be accomplished by having the original payee present and producing their ID. Learn how to endorse a check so that a friend may cash it for you.
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