Can You Cash a Check at a Bank

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Trying to cash a bank check when you don't accept a banking concern account is a huge pain.

These days, the bulk of fiscal transactions take identify online.

Fifty-fifty exchanging coin between family and friends is at present done through online apps like Venmo, PayPal, or Zelle. Most of these require a linked bank account.

That means if you're one of the 7% of people in the U.s. without a banking concern business relationship, and so managing your money, particularly cashing checks, is a bit trickier.

When you have a banking concern business relationship, cashing a cheque is super easy. You can drop by the banking company or use an ATM. With some banks, y'all can even use their app to accept a quick motion picture of the bank check and deposit information technology from your phone.

Without your own bank business relationship, you can't just walk into a local branch to deposit a check. Even if information technology does cash your check, you'll have to pay a small fee every time.

If you don't accept a depository financial institution account, simply you still need quick admission to your cash, then head to one of the bank check cashing places on this list.

7 Places Where You Tin can Cash a Personal Check

person cashing a check

Fifty-fifty though information technology tin can be tough to greenbacks a check when you don't accept a bank account, it'southward not incommunicable. There are several companies that will permit you lot cash a cheque, but you lot'll probably have to pay a pocket-sized fee for the service.

The good news is that you tin can walk out with cash in your pocket today.

Every check cashing place will accept different rules and requirements for getting your check cashed. Some places will greenbacks certain types of checks that others won't, so exist sure to call alee before making a special trip.

i. The Banking company listed on the check

If you're trying to cash a check without a bank business relationship, the easiest identify to get-go is with the banking concern on the cheque you lot're trying to cash.

To detect this data, only await higher up the memo line in the bottom left corner. Telephone call a local branch to find out its check cashing policy.

It can easily verify the availability of funds by checking the account residuum of the one who wrote yous the bank check. Some banks will even give the account owner a phone telephone call on the spot equally a security measure out to ensure there is no fraud taking identify.

The banking concern listed on the check used to exist the cheapest option to become your cash. Now, well-nigh of the big banks have started implementing fees to get your check cashed if you do not have an account with them. Nearly charge a flat rate or a percentage of the check amount up to a certain maximum.

Every bank volition have dissimilar terms and requirements to greenbacks checks that are tied to its institution. The most foolproof option is to telephone call alee and ask about its policy and fees.

You'll need i-two forms of valid ID to confirm the bank check is yours, so brand certain to bring a driver's license, passport, or another government-issued ID carte du jour.

2. Walmart

Walmart is one of the near global and accessible check cashing places on this listing. With over 5,000 locations, close to 90% of the population in the United states of america lives inside fifteen miles of a Walmart.

Walmart also has reasonable fees at $four for a check under $1,000 and $8 for annihilation over that limit. This is right in line with the fees almost of the major banks charge.

The biggest reward of cashing your check at Walmart is that information technology has a number of options. For case, you can become direct cash back or a reloadable Walmart Moneycard.

Walmart bank check cashing options:

Pre-printed checks
Payroll checks
Regime checks
Tax checks
Cashiers' checks
Insurance settlement checks
401k and retirement distribution checks
MoneyGram coin orders
Two party personal checks ($200 max)

Two Important things to exist aware of:

Walmart recently started cashing personal checks, but there is a $6 fee and a bank check limit of $200. If you're looking to greenbacks a personal check, you may want to look at other options.
They accept strict cheque limits. For most of the twelvemonth, you tin can cash a cheque as long as it's under $5,000. During tax season (Jan-April), this limit is raised to $7,500.

Yous'll need to bring the check and a valid ID with you to the store.

3. Ace Cheque Cashing

A number of businesses operate solely for this purpose. If y'all don't have access to a local banking concern, then a cheque cashing place may be your only option.

Be conscientious though because these stores generally accuse the highest fees of all the options on this listing. Nigh check cashing stores have varying fees fifty-fifty amid their own branches, then be sure to phone call and enquire beforehand.

Before you greenbacks your check at a shop similar this, make sure to ask if they crave a credit check. Some stores will run a credit report before cashing the check because they are finer giving you a brusk term loan until they are reimbursed with the funds from the issuing depository financial institution.

Ace Check Limited is ane of the nearly popular options, with concrete locations in 24 states. It will cash almost whatsoever kind of cheque as long as you accept a valid class of identification.

Ace Cash Limited Options:

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

The big advantage Ace Greenbacks Express has over Walmart and other stores is that it volition cash a personal cheque for you lot. It does not take fees listed on its website, so y'all'll take to call a local store to become information on how much it will charge to cash your check.

four. Gas station

Gas stations used to exist a much better option for cashing checks, only many places have stopped offer this service because of the loftier risk of fraud. Once the cheque is cashed, at that place is almost nothing the gas station tin do to track downward the person responsible.

However, seven-Eleven still cashes checks. Many locations take a Vcom kiosk. This is basically a touch on-screen station where you tin can cash checks, pay bills, and handle other fiscal tasks.

The easier selection is to download the Transact by 7-Eleven app. You can deposit checks with your phone. The cash gets added onto your reloadable vii-11 prepaid carte, which functions just similar a Debit MasterCard. Near online and retail stores will take them.

The funds take virtually 48 hours to be loaded onto your card.

You lot tin even use it to set straight eolith from your employer and government benefit checks.

Other gas station cheque cashing options:

Pilot Flight J
TravelCenters of America

With gas stations and travel centers, not every location volition be able to cash a check, then call alee to find one that does.

5. Your employer

In some cases, your employer can actually cash personal checks for you lot.

In that location are specific rules and regulations on check cashing, and so virtually employers avoid offering this service. All the same, some do. There is no daily limit to the dollar corporeality on the checks that an employer can greenbacks as long as they are payroll checks.

Employers can also cash not-payroll checks equally long as y'all don't exceed $1,000 per day. Anything above that and they would be subject to banking regulations every bit an official "bank check casher."

six. Grocery store

Grocery stores are 1 of the most dependable and convenient options for cashing a cheque. You probably already go to the store a couple of times a week, which means you don't have to go out of your way if you have a store that offers this service.

Not every grocery chain does this, but here are some that do:

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

Fees and check limits will vary from shop to store, but all volition require a class of government ID.

Virtually won't let yous cash personal checks because of fraud chance, but if yous're trying to cash a authorities check, payroll check, cashier's bank check, or money club, then your odds are expert.

Related: 35 Stores That Give Cash Back on Your Debit Card Purchases

7. Endorse your check to a friend or family member

If yous don't accept a bank account of your ain, then you could endorse the bank check to a friend or family fellow member who does.

Endorsing a check is a simple two-step process:

You write "Pay to the order of [Name]"
Sign underneath

They can then cash the check for free and requite the funds to y'all.

This evidently requires a deep level of trust and, in some cases, yous both take to exist nowadays at the bank so they can bear witness that you are not being pressured or forced to exercise this. You'll likely be asked to fill up out a grade to certify your endorsement.

Depending on how oftentimes you lot need to cash a check, it may be much easier for yous to open a checking business relationship of your own and avoid this workaround. The last thing you want is for money to get in the way of your relationships with friends and family.

Check Cashing FAQs

Can you cash a bank check at an ATM?

Fifty-fifty with a bank account, you technically can't cash a check at an ATM.

You could deposit a check and immediately follow it upwardly by withdrawing greenbacks from your account. Withal, if yous take zero in your account prior to depositing the check, y'all will not be able to withdraw the funds for 24 to 48 business hours.

Without an account, though, in that location is no manner to do this.

Can I greenbacks a bank check without an ID?

With the exception of endorsing your cheque to a friend or family fellow member, all of the check cashing places above will crave at least one grade of ID, sometimes two. If your ID is expired, then technically it is non valid and won't count equally a form of identification.

If you lot do non take an ID, you have three options:

Endorse the cheque to someone else
Cash the cheque online
Sign up with a depository financial institution and utilize its online app

How can I cash a bank check online?

If you don't accept a banking company business relationship simply have internet access or a smartphone, there are a few options. The two most popular apps that don't require a bank account to be linked are PayPal and Ingo Money.

You tin use Ingo money to deposit almost every kind of check, including handwritten personal checks. You merely endorse the check by signing it and taking a picture of the front and back. One time the check is approved, the funds will be sent wherever you designate them.

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

Prepaid debit card
Pick upwards cash in person at a MoneyGram location
Amazon gift card
PayPal account

However, the fees for Ingo can add upward quickly. Government and payroll checks are $5 each. If the amount is over $250, you'll pay a 2% fee. This ways for a $1,000 check, yous'll pay $twenty. For all other checks, y'all'll pay a 5% fee.

With PayPal, the fees are merely slightly amend. You'll pay 1% for regime and payroll checks and v% for all others. Yous tin transfer the funds to a prepaid debit carte du jour and then withdraw the cash at most ATMs.

With both online apps, yous can avoid paying these fees if you are willing to wait a total 10 days to access the funds.

Cashing a Cheque is Easiest and Cheapest with a Bank

When you don't have a banking concern business relationship, yous'll always be stuck paying fees to go your checks cashed.

If y'all're tired of paying fees, driving effectually town, and calling places to enquire about their policies, you might desire to consider opening a bank account. The best online checking accounts allow y'all to earn the highest interest rates on your savings and become your checks cashed fee-free every time.

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