We are gradually diving into a new era.
New banking methods have been introduced in the banking sector to facilitate financial transactions.
Following that, it's now very easy to cash a check nowadays unlike in the past years — the best is, you can do so from the comfort of your home.
While modern technology has brought much convenience in the financial industry, it has, however, come with a plethora of downsides, such as frauds and scams — as 2.4 million customers reported losing nearly $8.8 billion to fraud in 2022, according to a press release from the Federal Trade Commission.
Following these numerous cyber crimes occurring in the banking sector, people believe carrying out financial transactions such as cashing checks without ID is what's best to maintain a healthy financial.
With that said, if you want to cash a check but don't have an ID or you simply don't want to use your ID to cash a check, you've come to the right place.
To help you out, we've compiled the best possible ways to cash a check without ID.
Table of Contents
Do I Need An ID To Cash A Check?
In general, you'll always need an ID to cash your check be it at your bank or credit union. However, a study done by the Brennan Center confirmed that over 21 million adults in the US did not have a government-issued ID. These statistics include not issued, expired, or lost identity documents.
Some banks accept different types of ID documents besides the identity card, such as utility bills, and depending on the amount you're looking to cash from the check, you might be asked to present an ID document or not.
However, finding and getting to convince them isn't always easy. If the bank lets you cash the check without ID, you'll need to present proof to show that you're authorized to cash the check.
Thankfully, there are a couple of legal ways to cash a check without ID, and believe it or not, it is possible in this new era.
Can You Cash A Check Without ID?
Financial institutions such as banks and credit unions are required by banking regulations to get information about their customers and impose some verifications at crucial steps so as to reduce or avoid fraudulent transactions.
Following that, you might suggest it's not possible to cash a check without ID. Of course, that's from a direct point of view.
However, you can cash a check without ID through a couple of legal processes other than the normal procedure you'll use to cash a check, which is visiting your bank branch.
How To Cash A Check Without ID
Believe it or not, cashing a check without ID nowadays is very possible — in fact, it is very easy.
All you need is the ideal method that works best for you. Fear not, there's nothing illegal in what we'll be seeing. The methods I'll show you are just some walkaround to visiting your bank with your ID to cash your checks.
With that said, if you're looking to cash a check without ID, you might find the options below very handy and useful.
1. Call Your Bank And Inquire
Calling your bank ahead of time and inquiring about what's required to cash a check is a primordial step to take when looking to cash your check without an ID. You can call them and tell them that you don't have ID but want to cash your check. Ask them if they can take any other form of ID that you can present to show you're authorized to cash the check.
If you're lucky enough, they'll ask you to come along with the check and some papers other than your identity document.
2. Sign Over The Check To Someone Else
Signing over a check to someone else is one of the best ways to cash a check without ID. You'll typically be endorsing a check you received or simply transferring your paycheck's ownership to someone else called the third party. This check, in this case, will become a third-party check.
In some cases, you'll need to be present whenever the third party wants to cash the check. However, you can always provide them with a photo ID of you for them to show you authorized the endorsement.
3. Use ATM Check Cashing
As earlier mentioned, modern technology has come with a plethora of benefits in the banking sector. With that said, most banks offer ATM check cashing services which allow customers to cash their checks at supported ATMs.
Doing so is very easy — all you'll need to do is enter your bank card into the ATM machine together with your check and cash its amount into the bank card.
You can also cash the check directly into your bank account through the ATM.
Some banks such as Regions Bank make things even easy — you can cash your checks at the bank's ATMs by inserting them into the ATM machine and cashing up to $3,000 into your Regions Bank checking account.
The best is, you don't need an ID document to do so, all you'll need is a checking account with Regions Bank and your debit card.
It is also worth mentioning that you don't need a bank account to cash a check at Regions Bank. It is one of the only banks that offer this service in this convenient condition.
4. Use Your Bank's Mobile App
Using your bank's mobile app is one of the most straightforward ways to cash a check online. Most banks nowadays offer a mobile banking platform or a mobile banking app with all of the crucial banking services that customers need to manage their day-to-day transactions.
Check cashing is one of the services you'll find in your online banking app (if offered by your bank). You just need to follow the steps in this section to cash your check online, which include taking photos of the check and uploading them to the banking app. The best is, you won't need an ID to cash your check through your bank's mobile app.
The check in this case will be deposited in your bank account.
5. Use Check Cashing Apps
For most of us, banks aren't the most convenient options for managing finances, and following the increasing popularity of financial apps, there's no doubt these apps will completely revolutionize the banking sector in the near future.
These apps act as instant check cashing apps that don't require much verification to cash checks — that is, you won't forcefully need to show an identity document to cash your check — making them some of the top places to cash a check without ID.
6. Cash The Check Where You Are Best Known
Cashing your check where you are best known is another great way to cash a check without ID. Suppose you are a frequent customer of a local grocery or check cashing store maintaining a good relationship with the cashier or store owner, you shouldn't find it difficult to use your check at this store since they already know and trust you.
Where Can I Cash A Check Without ID?
You can cash a check without ID at the issuing bank if they accept other forms of ID besides the government-issued ID. However, if you're not willing to use your ID at all, you can cash the check at ATMs that offer check cashing or at a check cashing store that knows you well.
What App Can I Use To Cash A Check Without ID?
PayPal, Venmo, Cash App, and Netspend are the most popular apps you can use for cashing a check without ID. They offer this service through a "Cash a Check" feature that allows you to take photographs of your check and cash them to the account you have with them.
Can I Cash A Check Without ID Online?
Yes, you can cash a check without ID online.
You can do so by using your bank's mobile app or third-party check cashing apps. They'll offer you the experience you should expect when cashing a check online without an ID. You'll typically need to take pictures of the check and sign VOID on the check to show that you've cashed the check.
Frequently Asked Questions
What bank can I cash a check at without an account?
Regions Bank is one of the best banks where you can cash a check without having an account with them.
Can someone deposit a check for me without my signature?
No, someone cannot deposit a check for you without your signature. This will be required to show that you authorized the check to be cashed.
How do I cash a check for someone else?
Write 'Pay to the Order of' and the third party's name below your signature. It's important to write the name of the person that you are signing the check over to in the endorsement area under your signature. This signals to the bank that you are endorsing the transfer of ownership for the check.
Cashing checks nowadays is very easy.
You can even cash a check without ID — you can do so at ATMs that offer check cashing services, endorsing the check to someone else, using your bank's mobile app, or using third-party check cashing apps.
However, before cashing your check through any of these methods, I recommend reading their terms and checking the fees for the service.