
Where To Cash Your Tax Refund Check – It’s such a joy to get a big tax refund check in the mail from the US Treasury. But, not everyone knows how to make money for real.
Here, in this guide, we walk you through the places where you can get your tax refund checks.
Where To Cash Your Tax Refund Check
First we have the bank. If you already have a bank account, your bank will pay your tax refund checks without charging a fee.
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If you don’t have a bank account, you can still cash a check at any bank, and some banks will charge you a small fee for the service since you’re not a customer.
Second are money lending businesses. These businesses charge a fee for their services, and this fee is based on the value of the check.
The fee may be a percentage of the check, or it may be a flat fee for a certain amount that gradually increases to a larger amount.
Some waive the fee entirely if you shop in-store and then use a check to pay.
Where Can I Cash My Tax Refund Check Without A Bank Account?
Regarding prepaid cards, you can receive these in lieu of cash when you pay your tax refund check.
However, these cards are not linked to an account (unlike bank debit cards), so there is no protection in case it is stolen, and you can only use the amount of money you have loaded.
These cards are available in a number of places, for example retail stores, as well as convenience stores. Everyone has to pay tax on their income, but some people pay more than necessary during the year. The IRS sends tax refund checks to people who overpaid last tax season. Some people interpret checks as free money, while others don’t like getting these checks because it means they could pay less on tax day. With a check in hand, you have several options for cashing it and spending the money however you want.
Creating a bank account has many benefits. You can save money and create multiple accounts to classify your money. However, you do not need a bank account to cash your tax refund check. Since the U.S. Treasury backs your refund check from the IRS, it may be easier to cash your IRS check at a bank, credit union, retail store, or ATM than if you are trying to cash a personal check.
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Customers have several options for cashing their checks, but you’ll need identification to receive your cash. If this requirement didn’t exist, anyone could walk in with your tax refund check and claim to be you. Several documents count as valid identification, such as a government-issued photo driver’s license or identification card, an unexpired passport, or a permanent resident card. In some cases, you can provide a birth certificate and proof of your social security number if you don’t have a valid photo ID.
When you get your tax refund check in the mail, you want your money as soon as possible. IRS checks from the U.S. Treasury expire after one year, and if you’re late making a deposit, you can forget about the check. Life can get busy in a hurry. It is better to finish the deposit so that you can focus on other things. Below are five places to get your state tax refund check.
You should start with your bank or credit union if you already have an account. Most banks and credit unions will pay checks for free if you have an account with them.
Banks and credit unions set their own policies when issuing checks to non-customers, including fees. Although a bank or credit union may not want to cash a personal check if you are not the account holder, they may accept your state tax refund check since it is backed by the government. Banks and credit unions may limit the amount that people without an account can withdraw. Banks use these policies to encourage you to open a bank account with them.
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Many people use ATMs to withdraw money from their accounts. These convenient options can also help with state tax refund audits, but you need to have a bank account. The ATM method requires a deposit before withdrawing money. You will have to transfer the money from the tax refund check to your bank account and then withdraw it.
Check payment services help people who want quick access to money and don’t have a bank account. Some stores require you to open an account with them, and all require valid identification. Opening an account with a check-cashing service will make it easier to receive an IRS check in the future.
Most check cashing stores don’t display their fee structure online, so you’ll need to call or visit a location to find out how much it will cost to cash an IRS check. However, check cashing stores usually charge a fee based on a percentage of the check. This structure can be expensive, especially if you receive a large amount from the IRS. You can save more money if you cash a check with someone else.
Some large retailers and grocery stores will check tax returns for cash, but you may pay a fee. To cash checks at these stores, you may need to sign up for a free account and present a valid ID.
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Walmart accepts many pre-printed checks, including your federal tax refund. You don’t need to have an account, and you can check cash up to $7,500 between January and April and $5,000 the rest of the year.
Walmart’s fee is based on the face value of your check. You can expect a $4 fee for checks up to $1,000 and an $8 fee for checks up to $5,000. Check cashing services are not available in every state, so it’s best to check with your local Walmart to see if they are available. provide this service.
KMart will cash your state tax refund check of up to $2,000 for a fee of up to $1. In some states, such as Georgia or New Jersey, you do not pay a fee to cash your refund check.
You can also check the money at your grocery store. As long as you know your social security number and bring a valid ID, you can cash your tax refund check at more than 2,000 Kroger stores. Depending on the amount of the check, fees start between $3 and $5.50 with the Buyer’s Card. Publix offers check-in services in its customer service department, but you’ll need to check with your local store about required ID, check restrictions and fees.
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Not everyone wants their tax refund. Some people prefer to keep money on a prepaid card. With 7-Eleven’s Transact Prepaid Mastercard, you can deposit your tax refund check through the app using your smartphone’s camera.
Likewise, if you are an account holder with a bank or credit union, you can get your money instantly through your debit card. This feature is available if you can deposit your check through the app.
When you finally get your tax refund, you may not want to wait for the check to clear before spending your money. You have several ways to cash your federal tax refund check when you want your money now, even if you don’t have a bank account. As long as you bring the check and have valid identification, you can still find ways to get your state tax refund check.
Even if you are not the account holder, some banks and credit unions will pay federal taxes. If you don’t have a bank account, you can also withdraw your state tax refund at major retailers, grocery stores, and check cash shops.
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Walmart pays tax refund checks of up to $7,500 between the months of January and April and $5,000 throughout the year. Check with your local store to see if they offer checks, as not every Walmart offers this service.
While it is possible to cash a tax refund check at an ATM, the most common method is to deposit your government refund check through an ATM and then withdraw the money from your account.
Marc Guberti Marc Guberti is a USA Today and Wall Street Journal best-selling author with over 100,000 students in over 180 countries enrolled in his online courses. He hosts the Success Success Podcast where he teaches listeners how to grow their business and achieve personal transformation. He often writes about personal finance and covers investing on his YouTube channel.
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