2023 Guide to Check Cashing Without ID Life is unfair, and sometimes you can find yourself in a situation where you must cash a check but don’t have an ID just like using Cash app without card . Cheer up, guys! And remember, every problem comes with a solution.
Similarly, in such situations when you feel hopeless, especially in times of need. We feel your pain and will answer a few queries you ask when looking to understand better how to cash a check.
This article covers appropriate methods to cash a check without ID. In addition, this article highlighted the type of IDs accepted for cash checking.
Use the table of contents below to jump over the most relevant section for you.
How To Cash a Check Without ID or Bank Account? Did you get the most awaited check but unluckily do not have an ID? A multitude of audiences may be wondering how to cash their check without an ID. The good news is you can cash a check even without an ID.
This practice has increased over time; the research marked remarkable growth. This growth is sustainable because even today, most people do not have valid IDs, ultimately resulting in people opting for check cashing options.
There are tried-and-true techniques to cash a check. Those techniques are;
Method 1: Use of Third-Party Check Third-party checks can be used in case of lost or stolen identifications. These are usually written for an individual but given to a third person.
It is found that most people (with no bank accounts) use third-party checks in order to debar cashing fees. This practice is executed by contacting banks of their known and loved ones.
Once you confirm that the bank can accept your check, you can sign the check back under the line title “Endorse Check” >> write “Pay to the order of” >>receiver’s name and sign. Endorsing the checks enables the bank to convert the check into cash for the rightful payee.
Method 2: Use of ATM Check Cashing Many banks serve ATM check cashing services for free, where you can deposit the check without an ID and receive the entire value. Roam around and find an ATM that serves check cashing services.
The following steps for the same are:
Start by inserting your debit card and entering the pin. Now, select “Cash Back” or “Deposit Check.” Insert the check into the ATM and verify the amount. Note : Few ATMs allow you to get cash instantly, while, on the other hand, certain ATMs only permit you to deposit checks only.
Now, make sure to enter the correct and valid details. Otherwise, there is a possibility that they will put your account on hold or might fail the transactions. Or if you have lost your debit card, don’t worry you can easily find the debit card number without card and keep your details safe.
Method 3: Use of Bank’s Mobile App Another method to cash a check is to deposit the value through your bank’s mobile app. Nowadays, most banks come up with innovative applications to play a part in technological growth. These applications permit you to provide free checks through their bank applications. The usage of mobile apps is more convenient because you are no longer required to travel long to cash a check without ID.
Now go through the steps to learn how to cash a check without ID using your bank’s mobile app:
Step 1: First, download your bank’s app either on Android or iOS (as per your preferences)
Step 2: Now discover “Deposit Checks” from menu
Step 3: Select the deposit account, where you want to receive your fund’s
Step 4: Enter the amount
Step 5: Now take a snippet of your check’s back and front sides and upload it
Step 6: At last, submit all the above-mentioned details that bank may require
Note: The check cashing process does not require pictures of any other confidential identities.
List of banks offering free mobile check cashing:
Method 4: Use of Mobile Apps Taking advantage of mobile apps with cash-checking features is one of the best ways to cash a check without ID.
Now I am presenting the steps to cash a check via different Mobile apps:
PayPal Step 1: Run the app on your device and go to the finance tab
Step 2: Now tap on the “Cash a Check” option
Step 3: Move ahead by agreeing to the privacy policy and terms and conditions
Step 4: Fill in details like birthdate, SSN, phone , and then “confirm”
Step 5: Now, endorse the check, and enter the amount
Step 6: Take a snippet of the check’s back and front side
Step 7: Finally, submit the image and wait until you receive money on PayPal
GO2bank Green Dot Corporation offered innovative financial products. Green Dot launched an application for users to manage money named “ GO2bank ” . The services offered by GO2bank are:
Mobile check deposit $200 in overdraft protection No need for minimum balance Obtain great interest rates Get credit builder options Cash deposit at over 90,000 stores like CVS Pharmacy , Walgreens , Walmart , and many more. Current Current is believed to be one of the top-notch mobile banking applications with a cash-checking feature. Their offerings are:
Mobile check deposit Teen banking options for kids Overdraft protection up to $200 Cash advances Crypto Investing Peer-to-peer payments Amazing 4.00%APY! Zero to minimal fees No overdraft fees No membership subscription
Method 5: Use of Prepaid Card With a Check Cashing App It’s a bit hard to obtain a pre-paid card, that too without having any ID. Any outcome could occur, “Capital One Platinum Secured Credit Card” is one such card to save you. Furthermore, it does not require any identity. Just deposit the value into your prepaid card, and that will be enough.
Here are the steps for check cashing using prepaid cards:
Step 1: Connect with your card issuer, in case they support cash checking applications such as Ingo Money, Venmo, etc
Step 2: Now, “Download” and “Install” the application on your device
Step 3: Link your prepaid card
Step 4: Get a picture of your check’s back and front sides
Step 5: Submit the image
Step 6: Lastly, wait for the bank to process the check
IDs Accepted to Cash a Check (Primary & Secondary IDs) Are you struggling while cashing a check without an ID? Look above and learn methods to cash a check without using an ID.
But, it is recommended to get an ID because, while cash checking at banks, you will need to provide a government-issued ID.
The IDs are divided into 2 different parts. That is primary identity and secondary ID. You can find the list of primary IDs below: State-Issued ID State-issued IDs are the most critical documents. Preferably, you must own a driving license or a state identification card. State IDs can be obtained from any Secretary of State facility or Department of Motor Vehicles office.
Try not to feel terrible after hearing that banks do not accept out-of-state IDs. This means, while traveling, you would be unable to cash a check in need even. That’s sad, indeed. I can imagine how you feel. In case you own an out-of-state ID, then you may have to provide additional identification forms like a utility bill or credit card statement. Moreover, there is also an amazing feature called freezing credit card that is offered by banks to protect it from online fraud activities.
Driver’s License A driver’ license signifies one’s ability to operate a motorized vehicle. It is one of the most common forms of identification globally that can be obtained from the “Secretary of State Facility.” However, it helps to identify individuals by picture, legal name, age, and address.
Military Identification Card The defense department issues a military card. RAPIDS ID Card Offices issue military cards for active military members, retired members, and dependents. Additionally, military cards are issued in three forms i.e., Common Access Card, Uniformed Services ID Card, and Department of Defense Civilian Retiree Card.
Check cashing can be done with the help of a recent photo and identifying details available on your military card.
Passport Book A passbook is also known as a passport card. It is an official travel document. I know that most of you are unaware of how to use a passbook to cash a check. But fear not; you can use your passbook at financial institutions.
Now that you are aware of the primary identities that can be used to cash a check. Have an eye over the secondary identities to cash checks: Employment ID U.S. Birth Certificate Social Security Card Welfare photo ID Health Insurance Card Firearms Permit Photo ID Government Employee ID Auto Insurance Card
Where to Cash a Check With ID But Without Bank Account FDIC estimates available on the internet predicted that 4.5 percent of U.S. households (approximately 5.9 million) were “unbanked” in 2021 . One of the major reasons behind this could be the inability to meet the minimum balance requirements.
But wait… find yourself fortunate to hear that you can cash a check by operating several mobile banking apps. These apps have gained popularity under the tag of customer friendly with no Bank of America overdraft fees, no minimum balance requirements, and no monthly fees.
If you wish to go with the digital option, then visit a few mobile applications to cash a check. The applications are:
If you are searching for stores to cash paper checks in person, then visit:
Walmart Visit any local Walmart neighborhood market and try to cash a check. The limit for cash checks is up to $5,000, But cash checks at Walmart stores require you to pay some amount:
Up to & including $1,000: max. $4.00 $1,000 up to & including $5,000: max. $8.00 The types of checks that Walmart can cash for you include payroll checks, tax refund checks, cashiers’ checks, government checks, insurance settlement checks, and 401(k) or retirement account disbursement checks.
H-E-B H-E-B is another destination from which you can cash a paper check. The fees start at $3. Similar to Walmart, you can cash a check for your government, payroll, dividend, insurance, and Western Union Money Orders purchased at H‑E‑B.
Kroger Service Store Last but not least, the destination to cash a paper check is Kroger. Visit Kroger service stores, such as Fred Meyers, Owen’s, Smith’s, Fry’s, Dillons, Food Co, Pick ‘n Save, King Soopers, Food for Less, City Market, and Baker’s, if looking forward to cashing a paper check.
They even cash payroll checks, insurance settlements, child support checks, business checks, and income tax refunds.
Pros and Cons of Cash a Check Without ID Cash checking has a bit of a stretched list of pros. But on the other hand, the list of cons is way more stretched in comparison with the pros.
Michael Sullivan , a personal finance consultant at Take Charge America, said that “the biggest downside to check-cashing services is the cost.” This statement is true indeed. Let’s figure out how by sighting over the pros and cons of cash checking…
Pros Cons Instant access to money High fees Plays a role of financial resource for unbanked individuals No FDIC protection will be there for your funds Works for individuals who do not have traditional financial services in their area No way to build a rapport with a financial institution The service may provide more opportunities to cash a check Check-cashing outlets serve offers for high-interest loans It won’t help people struggling to pay the bills It attracts risks when you walk out of business with $1000 or more in your hand
Towards The End… Through this article, I hope you are loaded enough to know where I can cash a check without ID. Take your time, and don’t forget to implement the mentioned methods to cash a check.
Cash checking services are helpful for individuals in several means but try not to rely on them for the long haul.
Opening a bank account and getting a new ID is the only sustainable option for cash checking. Identification documents, whether primary or secondary, makes it easier to conduct financial transactions.
FAQs Ans: Various banks and credit unions allow this. The process begins by a person endorses a check so that you can deposit it into your own account. Initiate this process by having a check with your financial institution. Every check has a specified area on it for the payee to write their information and other details.
Ans: Many people witnessed that you have a maximum of six months to cash a check. In addition, few banks permit you to process cash checks that are a little older.
Ans: No, for cash checking, one needs to own a valid ID. That is because if you are visiting the bank or any check-cashing store in person, they will call for your identification.
Ans: Yes, you heard it right; you can now cash a check with your SSN on innovative pieces of technologies like PayPal and the Ingo money app. You can efficiently cash a check on apps like PayPal, Ingo, Current, etc., without having the need to upload a photo ID.
