Finance

How to Cash a Check Without a Bank Account or ID [Updated 2021]

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Are you looking for tips to cash a check without a Bank Account or ID? Sometimes what happens is someone hands us a check from the bank but the problem arises when you dont have a similar bank account to deposit the check and you dont have any ID (identity) to withdrawal the amount. We dont know what to do, we get confused but dont worry there are always alternative ways to fix some problem. Similarly, if you dont have a bank account or any ID that is valid then still you can cash a check.

To Cash a check without a bank account or ID card is not a simple task still, there are different ways to cash a check but we dont remember. Some of the ways are; you can cash it from the retailer, from the issuing bank, from the check-cashing outlet, load cash to a prepaid debit card, or trust someone who is close to you and ask them to cash a check.

If you still didn’t understand what I mean then dont worry because today in this article we will guide you on 5 ways to cash a check without a bank account or ID card with detailed information. So, stay with us and read the full article mentioned below.

5 Ways to Cash a Check Without a Bank Account

So, if you dont have a bank account then someone following the 5 ways mentioned below you can cash a check. You can follow the ways mentioned below to cash a check without a bank account.

Cash your check at a retailer

If you dont have a bank account then you can go to the grocery store or departmental store and purchase a product worth the check price and you can give it to the counter. Because they will have a bank account of their store or the varied ID so that they can cash your check or deposit it on their account.

But the store will deduct some amount as a charge to cash the check. [For example: if you have a check worth $200 dolor then the store will charge $2-$4 dolor, so won’t be able to shop all the amount, be aware of it.

Load funds onto a prepaid debit card

Sometimes people who dont have a bank account use their prepaid card to deposit the check and cash their check. A prepaid card is like a debit card, you can use the money which is limited in your card. And the prepaid card has a different option to cash your check. [For example; you can capture the picture of the check and load it into your account with the help of the application or you deposit the check in your card.

Cash your check at the issuing bank

As we all know even we dont have a bank account, if the check is issued by the owner of the check who has an account in the bank then we can easily cash it we dont need any bank account and IDs but the amount should be minimum, and if the amount on the check is high then you have to provide ID or your need a bank account in the same bank to deposit the check. Afterward, you can withdrawal from your ATM card.

And if you want to cash the check then the account holder should have enough money to cash the check, otherwise, your check won’t be validated. And make sure you cash the check within 6 months otherwise your check might get declined.

Cash your check at a check-cashing outlet

Cash your check at a check-cashing outlet is quite an expensive and difficult way to cash your check because you should have a member account or IDs to cash your check. And they can charge you some amount for the membership which is not for free.

And they might charge up to 12% depending on the amount in the check. So, if you dont have any alternative then you can use this way to cash your check.

[Note: This process is a bit at risk of deceptive practices. So, you have to be alert and use it as a last resort.]

Sign your check over to someone you trust

If someone provides you the check, but you dont have a bank account or no ID cards then you can sign your check to someone you can trust but take the help of someone who has verified IDs and can cash a check and provide you the cash. And who has a bank account and the bank accept to cash the check then they can deposit the check to their account and give you cash after deposit.

If you take the help of random people then they can cash your check and take all the money and won’t provide you the cash. So, you should be careful while signing your check to someone.

Do I Need an ID to Cash a Check?

Yes, if the amount on the check is high then you should show your IDs which are verified by the government and the small amount can be cash without IDs but in case if they ask you for the ID, you have to show them to verify that’s you.

But there are some ways to cash your check if you dont have any IDs mentioned below.

How to Cash a Check Without an ID card

Two best ways to cash a check if you dont have an ID card, to do so follow the tips mentioned below.

If your bank offers, Cash your check through ATM

Go to the bank and try to check your cash, if they ask you for the IDs then confirm them that you dont have any card and ask them what can they do instead, and if your bank offers you to cash your check through ATM then you can agree to do so.

After they deposit your check to your ATM you can go to the ATM and take cash.

Deposit the Check on your Bank account

If you have the check and the amount in the check is high but you dont have any IDs to cash the check then you can simply fill up the voucher of the bank to deposit the check on your bank account.

Once your check is deposited in your bank account you can have the access to the amount when every you want by your check or the ATM provided by the bank.

In Conclusion

Lastly, if you dont have any bank account or verified ID card then dont worry somehow you can cash your check. And above in this article, we have mentioned 5 ways to cash a check without a bank account or ID this might be helpful for you, you can read the full article to cash your check if you dont have a bank account or ID.

Besides if you have any queries or suggestions regarding this article then you can comment below in the comment section. We are always here to solve your problem.

And f you want more helpful guidance on finance, then you can go to the Finance category from our official website Online Help guide.

Thank You.

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