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What happens when you don't have a form of ID, and you need to cash a check? It's possible that you might have lost your ID or have gotten it stolen, and now everyday tasks have been interrupted. The good news is, there are ways to cash a check without an ID. In this article, we'll go over several ways you can cash a check without ID so that you can access money should you be in a situation where you don't have identification. Let's jump right in. What's In This Article
Forms of Identification Needed to Cash a CheckMany banks require you to have a form of identification in order to cash a check. The forms of ID that might be accepted by your bank include:
Your ID must also be current and not expired. Places that require ID won't let you cash a check if your ID isn't current. However, there are cases where you might not have any of these forms of identification. For example, maybe you lost your wallet with all the necessary ID to cash a check, or maybe you're in high school and don't have a driver's license yet. You also might have an expired ID and haven't had a chance to replace it. Some places may also require a second form of ID, such as a:
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There may be a limit to how much you can receive from an ATM using this method, and any amount beyond the limit will likely need to be deposited or placed on a prepaid card. Cash Your Check Without an ID Using Your Bank's Online Mobile AppIf your bank has a mobile app, you can make a mobile deposit with their mobile app without having an ID. You'll log into your account, scan your endorsed check, and soon after, you'll have access to the funds. Earn 15x The National Average With a CIT Bank Savings Connect Account Secure your savings. Save up for financial goals. Open a CIT Bank Savings Connect Account and earn 15 times the national average APY. OPEN AN ACCOUNT Affiliate Disclosure: This is an affiliate link, and we may earn a small commission if you click and make a purchase. This helps our site grow and provide you with more content. Read how we make money here. But, if your bank doesn't have a mobile app for cashing your check, you can also use a check-cashing app. One such app is the Ingo Money App, which will allow you to cash a check for a small fee and send it to a debit card or gift card. The app cashes both checks and money orders. You can use personal checks, payroll checks, business checks, and government checks. In short, this app will save you a lot of time if you need to cash a check when you're at home versus driving to the bank to do so. You can download the Ingo Money App on your phone in the App Store or on Google Play. Another option is to use your PayPal account. PayPal has a check-cashing service that may make sense for you if you already use PayPal for other things. Cash Your Check Without an ID at WalmartIt's possible to cash a check at Walmart without an ID. You can go to a Money Center in Walmart and cash your check. The Walmart Service Desk will also cash a check for you. You can choose to receive your funds in cash or on a Walmart MoneyCard. Walmart charges $4 to cash a check up to $1,000 and $8 for a check up to $5,000. If Walmart isn't an option, many grocery stores will allow you to cash a check. Manage All Of Your Finances In One Place With Personal Capital Get access to free personal finance management tools. Track your transactions and net worth in one place. Additional wealth management services available to interested users. SIGN UP FOR FREE Affiliate Disclosure: This is an affiliate link, and we may earn a small commission if you click and make a purchase. This helps our site grow and provide you with more content. Read how we make money here. Deposit Your Check and then Withdraw Funds LaterAnother option you have if you don't have an ID and want to cash a check is to deposit the check into your bank account, wait for the money to clear, and then withdraw the money with an ATM card or from your bank. You may have to wait 3-5 business days for your bank to clear your funds, but some banks will give you access to a portion of your funds right away. Where Else to Cash a Check Without IDIf you're wondering where to cash a check without ID, here are some more options:
How To Endorse a Check to Someone Else to CashIf you want someone else to cash your check for you, follow these steps:
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Affiliate Disclosure: These are affiliate links, and we may earn a small commission if you click and sign up. This helps our site grow and provide you with more content. Read how we make money here. A Mobile Check Cashing AppUsing a mobile check cashing app, you can cash a check without an ID right on your phone. Here are some mobile check cashing apps:
Using a Google SearchAnother option to find a place to cash a check without an ID is to go to Google and type “check cashing places that don't require id near me” to see what pops up. This is an easy solution if you don’t have a mobile app and can’t get to Walmart. Wrapping It UpIn this article, we went over how to cash a check without an ID so that if you're ever in a situation where your ID isn't available, you'll still have the ability to get money via cashing a check. Dave Bochichio( Founder ) Dave is a Certified Educator in Personal Finance (CEPF®) and is passionate about spreading financial literacy. He founded Clean Cut Finance in 2021 and has been featured on websites like Yahoo! Finance, MoneyGeeks, and GoBankingRates. In his spare time, Dave enjoys experimenting in the kitchen, racing simulation, and reading. How can I cash a check online instantly?How it works. Download the Money Mart app.. Sign-in or create an account.. Tap "Cash a Check". Take a photo of the front and back of your check.. Review your details and fees, and tap "Submit". Can I cash a check at an ATM without an account or ID?It's possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store. It's also possible to cash a check if you've lost your ID by using an ATM or signing it over to someone else.
Can you mobile deposit someone else's check in your account?The answer is yes, generally speaking. It's possible to deposit checks on behalf of another person into their bank account or in some cases, your own bank account. Banks and credit unions may allow you to deposit checks for someone else when certain conditions are met.
What app cashes checks instantly?With the Ingo® Money App, cash paychecks, business checks, personal checks—almost any type of check—anytime, anywhere. Get your money in minutes in your bank, prepaid card and PayPal accounts.
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