To cash a check, you have several options depending on whether you have a bank account or not:
If You Have a Bank Account
- Go to Your Bank or Credit Union
- Bring the check and a valid ID (driver’s license, passport, or other government-issued ID).
- Endorse the check by signing the back where indicated.
- Present the check to the teller to cash it or deposit it into your account. You can also specify if you want some or all of it in cash
- Use Mobile Check Deposit
- Many banks and apps like PayPal allow you to deposit checks by taking pictures of the front and back of the endorsed check using your smartphone.
- The funds will be deposited into your account or PayPal balance, sometimes immediately for a fee or after a short waiting period for free
- ATM Deposit and Cash Withdrawal
- Deposit the check at an ATM linked to your bank.
- Once deposited, you may be able to withdraw cash up to your daily limit, depending on your bank’s policies
If You Do Not Have a Bank Account
- Cash the Check at the Issuing Bank
- Go to the bank that issued the check (the bank name is printed on the check).
- Bring your ID to cash the check directly
- Visit a Check-Cashing Store or Retailer
- Many grocery stores, discount stores, and dedicated check-cashing services will cash checks for a fee.
- You must endorse the check and present valid ID
- Use a Prepaid Debit Card
- Purchase a prepaid debit card and use the card’s mobile app or ATM to load funds by depositing the check.
- You can then use the card for purchases or cash withdrawals, though fees may apply
General Tips
- Always endorse the check by signing the back before cashing or depositing.
- Carry valid identification to prove your identity.
- Be aware of fees, especially when using check-cashing stores or prepaid cards.
- Consider opening a bank account for easier and less costly check cashing in the future
This variety of options ensures you can cash a check conveniently whether you have a bank account or not.
