![]() Once deposited, you can withdraw cash from an ATM or complete transactions using your card. All you have to do is download the app, follow the prompts and take photos of your check. Visa’s Netspend card, for example, offers this feature. The best way to do this is to use a prepaid debit card that allows mobile deposits. But if you have a prepaid debit card, you may be able to cash a check online without a bank account. Many of the options above require you to go into a bank or store to cash a check. How To Cash a Check Online Without a Bank Account There are plenty of free business checking accounts that will make depositing business checks much more convenient and a number of other reasons to have a dedicated bank account for your business. If you’re having trouble cashing a business check, consider opening a business checking account. But they may place limits on the size of the business check you can cash. Certain retailers-like Kroger, for example-can cash business checks. You can try cashing a business check using the same methods listed above, but you might have a harder time. How To Cash a Business Check Without a Bank Account ![]() For these reasons, only use this option as a last resort. Plus, the Consumer Financial Protection Bureau has warned of scams originating from these types of services. You can end up paying a good portion of your check’s total in fees just to cash it. Bring Your Check to a Check-Cashing StoreĬheck-cashing stores, often doubling as payday lenders, might be convenient, but they’re not cheap. Then accompany your friend or family member when they deposit the check in case the teller has questions or needs to see your ID. They can deposit the check into their account and withdraw the funds for you.īefore you try signing over a check, call your friend or family member’s bank to ensure they’ll accept it-and ask about fees for this service. If you’re struggling to cash a check without a bank account, you may be able to sign it over to someone else, like a trusted friend or family member. Keep in mind that prepaid cards may charge monthly fees, transaction fees, ATM fees and more. Visa’s Netspend card, for example, allows you to deposit a check in minutes with your mobile phone. You can load money via direct deposit, mobile check deposit or ATM deposit then swipe it like a debit card or use it to withdraw cash. With a prepaid debit card, you can often use checks to reload your card. If you use a store’s check-cashing service, look up its policies before heading there. It also has a check-cashing limit of $5,000 ($7,500 between January and April of each year) and charges a fee of up to $8 depending on the type and size of the check you’re depositing. For example, Walmart limits two-party check cashing to certain locations. However, retailers tend to set limits on this service. Stores like Walmart, Kroger and HEB offer check-cashing services. Cash Your Check at a Grocery Store or Retailer The bank may also enforce limits on the total amount of money you can cash.Ĭall ahead to ask if a bank will cash your check, and if so, whether you need to bring additional verification-like an ID-along with you. However, banks aren’t legally obligated to cash checks for non-customers, and if they agree, they may charge you a fee. The bank that issued the check may be willing to cash it for you, even if you’re not a customer. The best method depends on the type of check you need to cash, the check amount and how accessible different check-cashing locations are to you. When you need to cash a check without a bank account, you have several options. How To Cash a Check Without a Bank Account
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