How can you cash a personal check without a checking account?
If you don't have an open checking account, cashing a personal check will not be easy for you, unlike the persons having bank account. Have a look at the below given topics to how to cash a personal check without a checking account.
How to cash personal check without having a bank account
Below are some of the options which help you cash a personal check even if you don't have a bank account.
- Go to the bank the check was drawn at: If you do not have a bank account, your best possible option is to go to the bank where the personal check was drawn at. Even though you do not hold an account at the bank, they will cash your check since it was drawn at that bank. You'll need to provide the bank with some sort of ID, like your picture ID, credit card, etc. to prove your identity. However, you may have to pay a certain amount of fees, which could be a percentage of the check amount or a flat rate. This is supposed to be one of the easiest options for a non-account holder to cash a check.
However, if you've received a check from someone living out of the state and there's no branch of that particular bank in your area, this option will not work. Then, you'll have to look for some other options. - Get your relative or friend's help: If you do not have a bank account in your name, you can get help from your relatives or friends to cash the personal check. You can ask your friend or relative, who has an account with a bank, to deposit the check in his/her account. Then, he/she can withdraw the money from the bank account and give it to you.
- Cash the check at a check cashing store: There are check cashing stores or currency exchanges where you can cash the personal check.
- Get help from a payday loan center: Some payday loan centers can also help you cash personal checks. They will also charge you a certain amount of fees for cashing the check. However, you need to be careful while cashing checks from a payday loan center because chances are that they could be owned by predatory lenders. If this is the case, then you may get into a payday loan trap. So, this should be your last option.
- Open a bank account in your name: The best way to avoid any such difficulty in cashing personal checks is to open a bank account in your name. The banks require you to deposit a certain amount when you open the account. Once you have a bank account in your name, you can cash your checks at the bank you opened the account with.
Where can you cash a personal check?
The aforementioned points can help you cash a personal check without having a bank account. However, if you already have a bank account and are thinking "Where can I cash a personal check", then the following points can help solve your query:
- Grocery shop
- Bank in which the check was drawn from
- Gas stations
- Check cashing places
What to do if a check is drawn on a bank you owe money
If you have a check drawn on a bank you owe money, then it would be wise to sign it over to someone who have an account there. The bank officials wouldn't even know that you owed them any money. However, you can do that when you don't have a checking account in that bank.
If you do have an account at the bank, then you can go to the bank to cash the check. Generally, the bank officials will check whether or not there are funds in the account. They may want to check your ID, but are less likely to run your name through anything. They won’t know that you owe any money to the bank.
What kind of information do check cashing stores ask for?
You'll only be required to produce a photo id such as your driver's license or state id. You may also be required to prove your present address. Find out more…
Can you open a checking account if you are in ChexSystems?
It depends on the bank at which you want to open a checking account. Usually, banks use ChexSystems before opening a savings account. They may refuse to open an account if they find that you're in ChexSystems. However, there are some banks that don't run through ChexSystems. You can easily open an account there.
Can you cash a personal check with Walmart?
Several consumers have asked in the DebtCC forum as to whether Walmart can encash personal checks. Like most people, if you’re wondering "Does Walmart cash personal checks", then you should know that Walmart cashes certified checks. However, they cash only government and payroll checks. They charge around $3 for these services. Know more…
Posts: 1620
Credits: 12471 Send message to Morningstar
Go to the bank it was drawn from.
Go to a grocery store (this is getting rare, though).
Go to a check cashing/payday loan storefront location.
You'll need to provide ID, and there may be some sort of fee involved, too. The bank may charge a single amount, a check cashing business may charge a percentage of the check.
-John E. Southard
Posts: 286
Credits: 14315.4 Send message to spanisheyes
Your best bet is to go to the bank the check was drawn from. They will ask for two types of IDs and they will ask for your thumb print that is all!
Posts: 77
Credits: 5302.65 Send message to scooter
Wouldn't go to a payloan place unless it was your last resort. First, if they'll cash it, they'll probably charge 10% of the check, that is, if they will cash it. When I worked at Cashland in 1999, for a personal check we had to call the person that wrote the check to verify that they indeed had written the check to the person trying to cash it. Then we had to call the bank the check was drawn on to make sure there were funds available. If you couldn't verify either of the above, wouldn't cash it.
I recently tried to cash a payroll check at Cashland. They had to call the bank it was drawn on to verify funds and then told me the funds weren't available so they wouldn't cash it. I've worked for this company for a year and never had a problem. Found out I could go to Wal-Mart and cash it for $3.00 so that's what I do now, but think they only cash payroll checks.
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Credits: 45225.255995464 Send message to 2nband
Most places I am aware of, except banks, will only cash payroll checks and they do charge a fee. Your best bet may to go to the bank and cash it there. They usually ask for a picture ID and a credit card. but usually a debit card will do with your picture ID.
Posts: 7813
Credits: 122044.6 Send message to goudah2424
Why don't you just open a checking account? That way you don't have to pay the fees to cash a check. If you are on chexsystems or telecheck there are still banks that will open accounts for you.
There is a state by state list of banks here.
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
Posts: 77
Credits: 5302.65 Send message to scooter
A couple other questions on this topic:
If you have a check that is drawn on a bank you owe money to and are in ChexSystems, will they cash it?
Can you put on the back: Pay to the order of .... and sign it over to someone else?
Thanks!
Posts: 7813
Credits: 122044.6 Send message to goudah2424
You could sign it over to someone, but as long as you do not have an account at that bank still (which you wouldn't) they wouldn't even know you owed them money.
When you take a check into the bank that it is written on to cash it, they make sure the funds are available in the account the check is drawn on. They do ask for ID, but they don't run your name through anything, so unless you knew the teller, they wouldn't know you owed the bank any money. They would only know you are on chexsystems if you ask to open an account and they run you.
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
i have a personal check made to me for $900.00 and i only have i form of i.d. and i dont have a bank account how can i cash it .also is there a way to verify funds without going to the bank itself,to check if funds are available on a check written to me?
Posts: 1532
Credits: 7487.65 Send message to puddlejmpr
You could call the bank and tell them that you have a check and you just want to make sure the funds are available. They will ask how much the check is for and then they will just say yes or no. Most places will not cash a 2 party check only a payroll check. So you will either have to sign it ouver to someone that does have a checking account so they can cash it for you or you can go to the bank it was written from and cash it there like the others said. But there are also check cashing places around now, but you will have to pay a % of the check for the fee to have them cash it for you, so lets say they charge 10-15% it can cost you from $90-$135 to cash a check there.
I am on chexsystems and am in need of cashing my payroll check. The bank on which it is written is out of state so I cannot go to that bank to cash it. Who will cash this payroll check for me?
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