Skip to Content

No ID, No Problem: How to Cash a Check Without ID (2023)

Cashing a check without an ID can seem daunting, but worry no more!

In this article, we’ll explore various methods to help you cash a check when you don’t have an ID on hand.

We’ll also discuss which forms of identification are typically required by banks when cashing checks and offer some valuable tips.

With these options at your disposal, you can confidently cash a check without an ID and access your funds in no time!

Let’s dive in and make this process as stress-free as possible for you!

How to Cash a Check Without ID featured image

You Can Cash a Check Without an ID!

What IDs are Generally Accepted for Check Cashing?

You might be wondering if there’s a specific list of IDs that banks accept for cashing checks.

While there isn’t a universal set of rules, you can always inquire with your bank or the issuing bank to determine which documents they’ll consider valid.

A driver’s license is the most common type of ID that banks accept.

But don’t worry, if you don’t have one, other options could work, such as a state-issued ID card or passport.

Depending on your bank’s policies, they might also accept military IDs or your Matricula card.

So, even without a standard ID, there are still ways for you to cash that check!

8 Ways on How to Cash a Check Without ID

1. Deposit at an ATM and Withdraw Later

One of the easiest methods is to deposit the check at an ATM and later withdraw the funds.

Keep in mind that the check may need time to clear, which might be a few days or overnight.

You’ll need a bank account and access to an ATM for this to work.

2. Endorse the Check to Someone You Trust

Endorsing a check to another person used to be popular.

Sign the back of your check, then write “Pay to the order of: [person’s name].”

Ensure your friend agrees to cash it, has proper ID, and has a nearby bank.

3. Utilize Your Bank’s Mobile Application

If you have a bank account and smartphone, try depositing the check through their mobile app.

Take note of daily limits and processing cutoff times.

Following the deposit, consider transferring funds to PayPal, using Zelle, or paying bills online.

4. Experience the Power of Current App

Current is a user-friendly mobile banking app packed with features and offering minimal fees.

They provide a seamless check cashing experience by opening the app, tapping on “add money,” choosing “deposit a check,” and following the steps.

5. Try GO2bank

GO2bank is an app backed by Green Dot Corporation, offering mobile check deposits, overdraft protection, credit builder options, and more.

Review their full fee schedule before signing up.

6. Deposit Checks with Cash App

If you’re a Cash App user with check cashing access, deposit your check directly into your account.

The feature is being rolled out gradually, so check your app periodically for availability.

7. Cash a Check with PayPal

In partnership with Ingo Money, PayPal now enables users to cash checks without ID.

You can deposit checks by heading to the Finances tab, tapping “cash a check,” and following the steps.

8. Explore Ingo Money

Ingo Money is a robust app designed for cashing checks, streamlining the process with minimal effort.

With quick and efficient services, Ingo Money has become a popular choice for depositing checks without needing ID.

How to Cash a Check Without ID Mobile Deposit

How to Endorse a Check

Get ready to learn the various ways of endorsing a check in a quick and efficient manner!

Follow these simple steps for different methods.

At the Bank Counter

When you’re facing the teller, flip the check over to the back.

You’ll see a vertical line that separates about a quarter of the check. This is where you’ll place your endorsement.

Just remember that your signature needs to match the name on the front, but don’t worry if you don’t have a valid ID!

Let’s explore other methods tailored to your situation.

For added security, consider writing “for deposit only” or your account number below your signature.

Depositing via ATM

Endorsing a check for an ATM deposit requires just your signature on the back.

Don’t forget to write your account number below it for added security.

Alternatively, you can write “for deposit only.”

Using Mobile Deposit

The process is similar to depositing at an ATM, but there’s a little twist.

Some checks come with a small box labeled “for mobile deposit” that you must check off.

Signing the Check Over to Someone Else

If you decide to sign the check over to a third party, simply write “Pay to the order of” followed by their name.

The recipient will then sign and cash the check at their bank.

This works for two-party personal checks as well as other check types.

Now, with these simple steps, endorsing a check becomes easy and hassle-free!

Why Do Banks Need All Your Personal Details?

When setting up a bank account, you will notice that financial institutions ask for various personal details such as your name, physical address, mailing address, and date of birth.

This is because they are required by Section 326 of the US Patriot Act of 2001 to collect this information.

The reason behind this is to aid the government in combating terrorism funding and money laundering activities.

As a result, when you open an account, whether it’s a checking account, savings account, or even applying for a credit card, the bank will need to verify your identity.

If they cannot confirm it using your personal information alone, they might also request to see your government-issued ID to fully establish your identity.

The process ensures a secure financial system, and Federal Deposit Insurance Corporation (FDIC)-insured institutions must follow these regulations.

So, the next time you provide your personal information while opening a bank account, remember that it is for the greater good and helps maintain a secure financial environment.

How to Cash a Check Without ID 2023

Where to Cash a Check with ID but No Bank Account

Cash Your Check at Walmart

Walmart is a great option for cashing a check-up to $5,000.

Head to your local store and visit the service desk.

The fees are reasonable:

  • Pre-printed checks up to $1,000: max. $4.00
  • Pre-printed checks over $1,000 up to $5,000: max. $8.00

Walmart cashes various types of checks, such as payroll, government, tax refund, cashier’s, insurance settlement, and retirement account checks.

Just make sure it’s a pre-printed check!

H-E-B Check Cashing

Drop by an H-E-B Business Center to cash your paper check or withdraw cash from your debit card. Fees start at $3.

H-E-B accepts government, payroll, dividend, insurance, and their own Western Union Money Orders.

You can receive funds in cash or loaded onto an H-E-B Netspend Prepaid VISA® Debit Card.

Meijer Check Cashing

Although there are conflicting reports about Meijer offering check-cashing services, their check acceptance policy states that they do not cash checks (payroll, tax refunds, etc).

It’s possible they may have discontinued this service.

Kroger Money Services

Kroger family stores like Fred Meyers, Fry’s, Dillons, Food Co, and Baker’s offer check-cashing services.

They accept payroll, government, income tax refunds, insurance settlements, business, and child support checks.

Bring a valid ID and possibly your SSN, depending on your location.

With a Kroger Shopper’s Card, fees start at a few dollars for checks under $2,000.

For checks up to $5,000, their competitive pricing varies by state.

Check into Cash Stores

These stores, including Check into Cash, Speedy Cash, and Ace Cash Express, are available for those with non-standard checks like personal checks, cashier’s checks, and handwritten payroll checks.

With over 300 locations in 19 states, use their store locator to find one closeby.

Call ahead to ask about fees since they don’t disclose them online.

Credit Unions

Credit unions have a reputation for being more consumer-friendly than banks, so try cashing a check at one.

Just be sure to call before you go and explain your situation.

How to Cash a Check if You’re Undocumented

Even if you’re undocumented or don’t have a Social Security number, you can still open a bank account.

Many banks, like Chase, Wells Fargo, and Bank of America, offer options that don’t require a Social Security number.

To confirm your identity, you must provide your name and birthdate.

Banks usually ask for one or two of these documents:

  • Unexpired passport
  • Government-issued driver’s license (including foreign licenses)
  • Consular ID
  • Birth certificate

In addition, you’ll need to provide proof of your address.

To satisfy this requirement, you can use:

  • Utility bill
  • Lease
  • Municipal ID

Lastly, you’ll need an identification number. This can be any of the following:

  • ITIN (Individual Taxpayer Identification Number)
  • Alien identification card number
  • Any government-issued document proving your nationality or residence, such as a passport or foreign driver’s license.

How to Cash a Check Without ID: FAQs

We know you might have questions about cashing checks without ID, and we’re here to help!

Here’s a quick FAQ to address your most pressing concerns:

Can you cash a check without ID?

It depends on the policies of the bank or check cashing service you are using.

Some may allow you to cash a check without ID if you have an account with them or if the check is from the same institution.

What are some alternative forms of ID that can be used to cash a check?

Some alternative forms of ID that may be accepted include a passport, a birth certificate, a social security card, a voter registration card, or a utility bill in your name.

Can someone else cash a check for me if I don’t have ID?

It depends on the policies of the bank or check cashing service you are using.

Some may allow someone else to cash a check for you if they have their own ID and written permission from you.

Are there any fees associated with cashing a check without ID?

It depends on the policies of the bank or check cashing service you are using.

Some may charge a fee for cashing a check without ID.

What should I do if I can’t cash a check without ID?

If you cannot cash a check without ID, you may need to contact the issuer of the check and ask if they can issue a new check or provide an alternative form of payment.

How to Cash a Check Without ID

How to Cash a Check Without ID: Final Thoughts

While it can be challenging to cash a check without an ID, several options are available.

From using alternative forms of ID to enlisting the help of a friend or family member, there are ways to get the cash you need.

Additionally, some banks and check cashing services may offer apps or other online tools that make it easier to cash a check without ID.

By understanding how to cash a check without ID and exploring your options, you can find a solution that works for you.

READ NEXT: The Check is Torn – Now What? A Guide to Cashing Damaged Checks