Where Can I Cash a Check Without a Bank Account?

Cashing a check can seem daunting if you don't have a bank account. But a vast array of common places now cash checks, usually for a fee. If you wonder, “Where can I cash a check without a bank account?” the list below is a starting point. Read on to understand how to cash a check and where to cash a check near you that balances cost and convenience. 

Go to the Check-Issuing Bank

If you live near the check issuer’s bank, the simplest solution is to visit the bank that issued the check to cash it. The bank will have a record of the account holder and the account, making this a straightforward option for cashing checks. 

You may need to show identification, depending on the bank. The issuing bank is usually the best option if you need to know how to cash a check without ID. Most banks will accept international IDs like a passport or driver’s license. 

Some banks may charge a fee for nonaccount holders, but many smaller banks will cash checks issued by account holders for free. If fees are important to you, you can call ahead and ask. 

Visit a Retailer

Major retailers and supermarkets often offer check-cashing services for a fee. Major supermarkets that cash checks include:

• Kroger and its subsidiaries like Gerbes and Food Co
• Publix
• Giant Eagle
• Safeway
• Albertsons
• Winco
• Ralphs
• Hy-Vee
• H-E-B
• Fred Meyer
• Dillons
• Food 4 Less
• Food City
• Food Lion
• Fry’s Food Stores
• Homeland
• Jay C Food Stores
• King Soopers
• Wegmans Food Markets

Check with your local supermarket, as many subsidiaries of larger chains also offer this service. The fees vary by location but usually average from $3 to $6 depending on the amount of the check

Other retailers that cash checks include: 

• Walmart
• 7-Eleven 
• Pilot Flying J
• TravelCenters of America

Consider a Prepaid Debit Card

A prepaid debit card provider allows users to deposit checks onto the card and use it for transactions. This can be a convenient option for those without bank accounts. With the debit card, you can withdraw cash or make payments directly on the card, both in-store and online. 

Look at Check-Cashing Stores

Dedicated check cashing stores specialize in cashing checks and related services like loading cash onto gift cards or debit cards. Popular options include Check Into Cash, ACE Cash Express and The Check Cashing Store. 

Some will run a credit check, so double-check that the location you choose doesn’t require a Social Security number or perform a credit check. Dedicated check-cashing stores are often more willing to cash personal checks than other options on this list, offering a convenient choice. 

Sign Over the Check

Another option is to endorse the check to a friend or family member. To endorse a check to someone else, write “Pay to the order of [Name]” on the back and sign underneath. The person you endorse the check to can then cash the check at their bank or another location and give you the cash.

Of course, endorsing the check to someone else means you trust them to give you the cash. If they choose not to for any reason, you have no recourse. Because of this necessary trust, in some cases, the bank will require you both to be present at the bank to cash the check. 

Endorsing a check can also mean delays while you wait for the other person to go to the bank. In many cases, it’s simpler to open a checking account. 

Payday Loan Centers

Payday loan centers are an option for check cashing, but they usually charge high fees. And if you take on a payday loan, you’ll face both high fees and interest rates associated with payday loans. Only use this option if you know the terms and costs involved and can’t use another option on this list. 

Mobile Check-Cashing Apps

Technology makes it easier than ever to cash checks from anywhere. Mobile apps like Ingo Money and PayPal allow users to deposit checks by photographing them.

The cost for check cashing with Ingo Money varies by the source of the check and the plan you have. Standard pricing is $5 for checks of $250 or less for preprinted or government checks and 2% for checks of more than $250. For all other checks and money orders, the fees are $5 for checks up to $100 and 5% for checks over $100. While this is a convenient option, you’ll pay high fees. 

Check-Cashing Kiosks

Check-cashing kiosks in various locations such as convenience stores and retail outlets, make it easy to cash a check. Most check-cashing kiosks appear similar to ATMs with a touchscreen and offer additional options like loading the funds onto a gift card or prepaid debit card. Check-cashing kiosks use third-party verification systems to ensure checks are genuine and signed. 

You will need an official form of photo ID, such as a driver’s license or other state-issued ID. Check-cashing kiosk fees vary from 1% to 7% or more, so check fees before using these services. 

Additional Considerations for Cashing a Check

There are some basic considerations to take into account when cashing a check. These include:

Identity Verification

Before cashing a check, you’ll likely need to provide valid identification, such as a driver’s license, passport or government-issued ID. This helps verify your identity and ensures that you are the intended recipient of the funds. Make sure your ID is current and matches the information on the check. Note that it could be an international passport if you don’t have a U.S. government-issued ID. 

Endorsement

Properly endorse the back of the check before cashing it. This typically involves signing your name on the designated line. If the check is made out to multiple people, ensure all parties endorse it. Improper or missing endorsements can lead to delays or rejection when cashing the check.

Choice of Location

Decide where you want to cash the check. You have several options, including:

Your bank: If you have a bank or credit union account, you can cash the check there. It may have a more straightforward process and lower fees, especially if the check is drawn on their institution.

Check-cashing stores: These establishments specialize in cashing checks for a fee. Be aware that costs can vary widely, and it’s essential to compare rates.

Retailers: Many large retailers offer check-cashing services for a fee. Check whether the nearest retailer provides this service and inquire about its fees.

Mobile banking apps: Some banks offer mobile check deposit services through their apps, allowing you to deposit the check electronically into your account.

Fees and Costs

Different cashing locations may charge fees for their services. Be aware of these fees and factor them into your decision. Banks and credit unions may offer more favorable fee structures for account holders. Check-cashing stores and retailers often charge a percentage of the check amount or a flat fee. Compare fees to minimize costs.

Check Verification

Ensure that the check is valid and not counterfeit. Examine the check for signs of tampering, and verify the authenticity of the issuer. If you have doubts about the check’s legitimacy, contact the issuing party directly to confirm its validity before attempting to cash it.

Balancing Costs and Convenience When Cashing Checks

Cashing a check without a bank account is simple. The key is balancing costs with convenience. With major retailers, supermarkets and check-cashing kiosks, you should have an option near you. Compare prices and fees, as a 5% fee can significantly cut into your monthly budget, especially if you need to cash paychecks. With some research, you can find a low or no-cost option to cash checks. If you’re ready to open a bank account, find the best free checking accounts or savings accounts here.

Frequently Asked Questions