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Places Where You Can Cash A Check
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Can You Deposit Someone Else’s Check?
Even money exchanges between family and friends are now 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 bank account, it’s a little harder to manage your money, especially check cashing.
When you have a bank account, cashing a check is very easy. You can come to the bank or use an ATM. With some banks, you can even use their app to quickly take a picture of the check and deposit it from your phone.
Without your own bank account, you can’t just walk into your local branch to deposit a check. Even if it comes onto your check, you’ll have to pay a small fee each time.
How To Write A Check In 7 Simple Steps
If you don’t have a bank account, but still need quick access to your money, visit one of the collection sites on this list.
Even though it can be difficult to cash a check when you don’t have a bank account, it’s not impossible. There are some companies that will allow you to pay by check, but you will likely have to pay a small fee for the service.
Each check cashing location will have different rules and requirements for cashing the check. Some places will collect certain types of checks that others won’t, so be sure to call ahead before making a special trip.
If you’re trying to cash a check without a bank account, the easiest way to start is with the bank of the check you’re trying to cash.
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To find this information, simply look above the memory line in the bottom left corner. Call your local branch for its billing policy.
It can easily verify the availability of funds by checking the account balance of the person who wrote you the check. Some banks will even call the account holder on the spot as a security measure to ensure no fraud occurs.
The bank listed on the check used to be the cheapest option to get your money. Now most of the big banks are starting to implement fees to get your check cashed if you don’t have an account with them. Most charge a flat fee or a percentage of the check up to a certain maximum.
Every bank will have different terms and requirements for cashier’s checks that are tied to their institution. The dumbest option is to call ahead and ask about its policies and fees.
When Do Checks Expire?
You’ll need 1-2 forms of valid ID to verify that the check is yours, so be sure to bring your driver’s license, passport, or other official ID.
Walmart is one of the most international and accessible check cashing locations on this list. With over 5,000 locations, close to 90% of the US population lives within 15 miles of a Walmart.
Walmart also has reasonable fees of $4 for a check under $1,000 and $8 for anything over that limit. This is in line with the fees charged by most of the big banks.
The biggest advantage of cashing your check at Walmart is that it has a number of options. For example, you can get straight cash back or a reloadable Walmart Moneycard.
Can You Print A Check?
A number of companies operate exclusively for this purpose. If you don’t have access to a local bank, check deposit may be your only option.
Be careful, though, because these stores generally charge the highest fees of all the options on this list. Most check-cashing stores have different fees, even among their own branches, so be sure to call and ask ahead of time.
Before you cash your check at a store like this, be sure to ask if they require a credit check. Some stores will run a credit report before they cash the check because they are essentially giving you a short-term loan until they are repaid with the money from the issuing bank.
Ace Check Express is one of the most popular options, with locations in 24 states. It will cash almost any kind of check as long as you have a valid ID.
The Difference Between Banks And Check Cashing Places
The big advantage Ace Cash Express has over Walmart and other stores is that it will cash a personal check for you. There are no listed fees on their website, so you will have to call your local store to find out how much it will cost to cash your check.
Gas stations used to be a much better option for cashing checks, but many places have stopped offering this service due to the high risk of fraud. Once the check is cashed, there is almost nothing the gas station can do to track down the person responsible.
However, 7-Eleven still accepts checks. Many locations have a Vcom kiosk. It’s basically a touchscreen terminal where you can cash checks, pay bills, and handle other financial tasks.
The easier option is to download the Transact by 7-Eleven app. You can deposit checks with your phone. The money is added to your reloadable 7-Eleven prepaid card, which works just like a Debit MasterCard. Most online and retail stores will accept them.
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With gas stations and travel centers, not all locations will be able to accept checks, so call ahead to find one that does.
There are specific rules and regulations for check cashing, so most employers avoid offering this service. However, some do. There is no daily limit on the dollar amount of checks an employer can cash as long as they are payroll checks.
Employers can also cash non-payroll checks as long as you don’t exceed $1,000 per day. Anything beyond that and they would fall under banking regulations as official “cheque cashers”.
Grocery stores are one of the most reliable and convenient options for cashing a check. You probably already go to the store several times a week, which means you don’t have to go out of your way if you have a store that offers this service.
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Fees and check limits vary by store, but all will require some form of official ID.
Most people won’t let you cash personal checks because of the risk of fraud, but if you’re trying to cash a government check, paycheck, cashier’s check, or money order, your chances are good.
If you don’t have your own bank account, you could endorse the check to a friend or family member who does.
This obviously requires a deep level of trust and in some cases you both have to be present at the bank so they can prove that you are not being pressured or forced to do this. You will probably be asked to fill out a form to confirm your endorsement.
Convenient Places To Cash A Check Near Me For Free Or Cheap
Depending on how often you need to cash a check, it may be much easier for you to open your own checking account and avoid this solution. The last thing you want is for money to get in the way of your relationships with friends and family.
You could deposit a check and immediately follow it up by withdrawing cash from your account. However, if you don’t have anything in your account before you deposit the check, you won’t be able to withdraw the money for 24 to 48 business hours.
With the exception of endorsing your check to a friend or family member, all of the check cashing locations listed above will require at least one form of identification, sometimes two. If your ID has expired, it is technically not valid and will not count towards authentication.
If you don’t have a bank account but have internet access or a smartphone, there are several options. The two most popular apps that do not require a bank account to be linked are PayPal and Ingo Money.
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You can use Ingo Money to deposit almost any type of check, including handwritten personal checks. You simply confirm the check by signing it and taking a photo of the front and back. Once the check clears, the funds will be sent to wherever you designate them.
However, the fees for Ingo can add up
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