Where to cash a check? You need a bank account to cash checks. Not necessarily. You can use a check-cashing service, which is often more convenient than going to the bank. If you have a government or tax refund check and need more money in your checking account, here’s what you need to know about getting paid with a check but no bank account.
Getting Paid with a Check But No Bank Account
There are still ways to cash if you don’t have a bank account or cannot deposit your check. You can use a check cashing service, which will charge a fee but is generally easier than going through the bank of issue. Check cashing services are available at many grocery stores and other businesses. Another option is to take the check to your local branch of the bank that issued it and ask about “cashier’s checks,” which may be less expensive than using a service but still require identification and verification before they can be cashed for cash.
Cashing a Check at the Bank of Issue
You can cash a check at the bank of issue, but it can be challenging. Depending on the bank’s policies, you’ll need to bring your ID, proof of address, and possibly even more information. You can request this information if you need clarification on what they require; they may have a website or pamphlet explaining their policy to help you prepare.
You may want to seek out a nearby branch rather than trying to cash your check at an ATM if possible—they tend to be less complicated than ATMs when it comes to cashing checks (and are also less likely to be crowded). “One more thing to keep in your mind is the timing of your deposit,” as SoFi experts say.
Use the Check-Cashing Service at the Issuing Bank
The next option is to use a check-cashing service at the bank that issued your check. It’s possible that this isn’t an option for you, or it could be that you’ve already tried it and found out it was too inconvenient or expensive. If so, continue reading!
This method requires you to visit a physical branch location of the issuing bank where they can verify your identity and cash your check. For example, you might have to wait in line while this happens, which means missing out on valuable time if you’re working on other things like getting groceries or taking care of other errands.
Cash a Government or Tax Refund Check
To cash a government or tax refund check, you need to bring the following documents with you:
- The check-in question. You’ll also want to bring your ID.
- Proof of address. This can take many forms, such as bank statements or utility bills.
If all goes well, the teller should give you cash rather than depositing it into an account at their bank (if they even have one).
The most important part of cashing a check is finding a way to do it that works for you. There are lots of options out there, so take some time to explore what they are and decide which one will be best for your needs. If you still need help understanding how any of these work, don’t worry! Many experts online are happy to help.