Cashing a check without some form of identification can be tough since most cash checking places including banks want you to produce an I.D when cashing in your check. Well, there are places where you can cash your check without an I.D. In this article, we explain cash checking places that do not require I.D near me.
Does one require an I.D to cash a check?
Yes, cash checking places require one to produce some form of identification when cashing in a check. The most common type of I.D used is the government-issued I.D for example a driver’s license or a passport.
Providing an I.D when cashing a check is a security measure to ensure that no one else can cash your check but, in some cases, other identification forms can be produced in place of an I.D.
Cash checking places that do not require I.D:
Some of the locations that may allow cashing of checks without an I.D include:
- The check’s issuing bank
- At an ATM
- Selected retail stores e.g., Walmart, Kroger’s, Publix
- Cash checking stores
- The cash checking Credit union
How to cash a check without an I.D?
If your I.D is stolen, misplaced, or lost and you are wondering how you can cash your check without an I.D. Well, there are several ways one can cash in their checks without an I.D. below thee are a few options on how you can do it:
- Cashing in at the issuing bank
On the check, the name of the bank is printed on the back. Many banks do not cash checks for non-customers but, banks will usually cash a check written by an account holder of that bank even if the recipient is a non-customer of that bank. One is required to pay a fee that is around $8.
- Cashing in at a check-cashing store
One can cash their checks at a nearby check-cashing store but they are very expensive. Some of these stores also require you to become a member or buy cash checking I.D before they agree to cash your check. These fees range between 1% to 12% of the nominal value of the check.
- Signing over the check to someone else
You can sign over the check to someone that you trust to cash it for you. This is called a third-party check and you need to make sure that the checkwriter’s bank and the bank where the check will be deposited allow these kinds of third-party checks.
On the check, you will write your name and write “Pay to the order of” and the name of the person you are signing it over to and they need to sign it. Then they can go ahead and cash the check.
- Cash check at a grocery store or retailer
There are grocery stores and retailers that offer cash checking services like Walmart,
Publix and it is not expensive to do so. The fees at these grocery stores range between $3 and $6.
- Cashing the check at an ATM
ATMs allow users to deposit their cash. Some banks allow their customers to cash their checks via ATMs. All you need to do is to insert your check into the ATM and cash it or load the cash to your prepaid debit card.
What are the forms of identification required to cash a check?
There are several types of identification that one is required to present when cashing in a check. Most banks will request you to provide a valid government-issued I.D. They include:
- United States Visa
- Military photo I.D
- Driver’s license
- State issued learner’s permit
- United States passport
Are there other forms of I.D one can use when cashing a check?
If for some reason you do not have a government-issued I.D, one can use two types of secondary I.D. Some banks and stores may allow you to use these types of secondary I.D. they include:
- Permanent resident photo card
- Employment photo ID
- Alien registration photo card
- U.S. birth certificate
- School photo I.D
Conclusion
Cashing a check without an I.D can be tough since most establishments require you to produce an I.D. Luckily there are places and ways one can cash their checks without an I.D. Some of the places include the issuing bank, your bank’s ATM, and some grocery and retailers that offer cash checking services.
Frequently Asked Questions
- Can one cash a check using a temporary I.D?
Yes, some establishments will allow you to cash your check using a temporary I.D.
- Can I cash a check using an Expired I.D?
No, you cannot. All forms of Identification used to cash checks must be valid. Cash checking placed will not accept expired I.Ds.
