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Can You Cash a Check Without a Bank Account?

Prepaid debit cards, retail stores, and check-cashing services let you cash checks, but they often come with extra fees.

smiling woman hands over a check
Updated April 14, 2025
Written by Rachel Alulis
Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • You can cash a check without a bank account, but most options include fees and added steps.
  • Grocery stores, prepaid debit cards, and check-cashing services are common ways to cash your check.
  • Opening a no-fee online or neobank account can save you money and provide a more secure way to manage checks.

When you have a bank account, cashing a check is easy. You can visit your nearest branch, go to the ATM, or use your bank’s mobile deposit app.

Not everyone has a bank account. The FDIC’s Household Survey from 2023 found that 4.2% of U.S. households are unbanked. That means that no one has a checking or savings account at a bank or credit union.

You can cash a check without a bank account. The problem is that none of the options are as easy or affordable as with an account. We’ll show you how to cash a check if you don’t have a bank account and tips to avoid high fees.

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What do you need to cash a check without a bank account?

Before you cash your check, you’ll need to gather a few documents, look into fees, and decide where you want to go.

Required identification for check cashing

Most places that cash checks require a valid, government-issued photo ID. This typically includes a driver’s license, state ID, military ID, or passport. If you don’t bring proper identification, the bank may turn you away since it cannot verify that the check is yours.

Some places may ask for a second form of ID to confirm who you are. This could be a utility bill, Social Security card, or Taxpayer Identification Number.

Fees associated with non-bank cashing

Expect to pay a fee when you don’t cash a check at your bank. Check-cashing fees typically range from $3 to $10 at retail stores and can be a percentage of the check at check-cashing stores. Always ask upfront about the fees, especially for large checks where percentage-based fees can be costly.

Verifying check authenticity

The location cashing your check will often verify its authenticity to avoid scams or delays. They may contact the issuing bank or inspect the check for signs of fraud. If they cannot verify the check, they may refuse to cash it.

Also, make sure your check hasn’t expired before you try to cash it. Many checks expire within 90 days after someone writes them.

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Options for cashing checks without a bank account

When you don’t have your own bank account, your options for cashing checks are limited, but you do have choices. Here’s how to cash a check safely and efficiently when unbanked.

Cash your check at the issuing bank

Can I cash a check at the issuing bank? Often, yes, and it can be the most direct route.

Many banks will cash checks written by an account holder for noncustomers. While this is a common practice, they are not obligated to do it. Call ahead and ask if they provide this service, what the cost is, and if there are any limitations. The bank may require that the check be less than 3 months old, be under a certain amount, or that you reside in the same state.

If the bank agrees to cash the check, bring your government-issued ID. The bank will be able to verify that there are enough funds in the account and pay you out immediately.

The fee for this service varies by bank and by state. Bank of America charges $8 for checks over $50. PNC does not charge if the check is under $25, but once it’s over, the fee is 2% of the check amount. Wells Fargo charges $7.50 per check.

Use a prepaid debit card

Prepaid debit cards are becoming a go-to banking solution for people without checking accounts. Prepaid cards are similar to debit cards. You load funds onto the card and can spend up to that amount. Register your prepaid card, and you may qualify for additional protection like FDIC insurance.

Many cards allow you to deposit checks using a mobile app, ATM, or designated retail locations. You could also set up direct deposit and have paychecks automatically loaded onto your card. Once you load the check, you can use the card for everyday purchases, ATM withdrawals, or online shopping.

Be mindful of fees. Prepaid cards have various fees that add up fast. There may be activation fees, monthly service charges, reloading fees, inactivity fees, and more. The exact fees vary by provider.

Cash your check at a retailer

Retailers like Walmart, Kroger, and convenience stores often offer check-cashing services at customer service desks. These stores typically accept payroll, government, and cashier’s checks. Some have daily limits on the amount you can cash, and charged fees are generally low.

Walmart charges $4 to cash checks up to $1,000 and caps the fee at $8 for checks over $1,000. The maximum check you can cash is $7,500. The limit for cashing two-party checks is only $200, with a maximum fee of $6.

Kroger’s fees vary by state. They charge roughly $4.50 for checks under $3,000 and $7.50 for checks between $3,000 and $5,000. You get a discount if you have a Kroger rewards card.

Retail locations can be a quick, convenient option, especially if you’re already shopping there.

Transfer your check to someone reliable

If you trust someone with a bank account, you can sign the check over to them. They deposit the check into their account and give you the cash.

Call their bank ahead of time to confirm that they will cash it. The bank will likely require you to go to the bank with your friend. You must both bring government-issued identification like a driver’s license or state ID.

While this isn’t an official way to cash a check without an account, it’s a practical workaround. Best yet, it should be completely free.

Use a check-cashing service

Check-cashing services specialize in providing quick access to cash. Besides cashing checks, they often offer payday loans and other forms of fast, short-term loans. They tend to be open late or on weekends, making them convenient.

Check-cashing services accept most types of checks. You should be able to cash government, tax refund, payroll, and even personal checks. Many other options reject personal checks, especially large ones.

The problem is that they charge absurdly high fees. Some require you to become a member and buy a check-cashing ID before using the service. The exact fee structure varies by state, store, and check.

Amscot, for example, charges a minimum fee of $3.50. Tax refund checks only cost 2.75% of the check amount, but a personal check costs 9.9%. If your check is $500, you’ll pay $49.50 for the service.

This fast but often costly method is best used when you need immediate cash and have no other options.

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Where is the easiest place to cash a check?

The easiest and cheapest place to cash a check depends on the type of check and what services are near you. For many, large retail chains like Walmart are often the most convenient and accessible option. They typically provide fast service, extended hours, and have relatively low fees.

Don’t discount the issuing bank if there’s a location near you. Many banks have lower fees and are willing to help noncustomers.

If you’re looking for a more long-term solution, consider opening a checking account with no credit check. Most banks and credit unions do not conduct a credit check. Many even offer second-chance bank accounts. Banks designed these accounts for people who have had banking issues or trouble opening an account in the past.

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Opening an account at an insured financial institution means managing your money will be easier overall. You’ll have access to direct deposit and skip the check-cashing process altogether. You’ll be able to deposit checks via your phone or visit your bank and not pay a fee. It is the cheapest and easiest way to conduct banking.

A lot of online banks and neobanks offer accounts with few fees. Look for an account with low to no fees and no minimum account balance. You will have greater protection for your money, be able to earn interest, and it won’t cost you a penny to cash a check.

Frequently asked questions

1. Where can I cash a personal check?

You can cash a personal check at the issuing bank, check-cashing stores, or by using a prepaid debit card. Some major retailers like Walmart cash personal checks up to a certain amount. Note that some places may not accept large personal checks because of the higher risk of insufficient funds.

2. Can you cash a check at an ATM without a bank account?

You typically can’t cash a check at an ATM without a bank account. ATMs are linked to bank accounts, so you need an account to deposit or cash a check.

3. What’s the cheapest way to cash a check without a bank account?

The cheapest place to cash a check without a bank account is often a major retailer like Walmart, which charges a flat, low fee. Some issuing banks will also cash checks for free or at a minimal fee. Prepaid cards may be cost-effective if used frequently, but always check for hidden fees.

4. Where can I cash my tax refund check without a bank account?

You can cash a tax refund check at large retail stores like Walmart, at a check-cashing service, or through the issuing bank. You can deposit it onto a prepaid debit card that accepts mobile check deposits.

5. Do I need an ID to cash a check?

You need a valid, government-issued photo ID to cash a check. This helps verify your identity and prevent fraud. Some places may also require a second form of ID or proof of address.

Bottom line

Cashing a check without a bank account is entirely possible. But while these methods can work in a pinch, they often come with fees and fewer protections. In the long run, opening a bank account is the smarter move.

Major financial institutions now offer second-chance bank accounts. Online banks and neobanks are popping up with fewer fees, making their accounts more accessible. Opening a bank account helps you cash checks without extra costs and provides added security. You won’t walk around with cash in your pocket, and your funds will be insured.

If you’re regularly cashing checks, opening an account can save you money and hassle over time. It’s a safer, more convenient way to access your money and a step toward building financial stability.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
2. Paycheck Advance is an earned wage access service and is not a loan or credit product.
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9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.
11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
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16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
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20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
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23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
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28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
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30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
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35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
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38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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