Need to cash a check but don’t have a bank account? There are plenty of options to access your money quickly and affordably. From Walmart’s low fees to mobile apps offering convenience, here are the 8 best places to cash a check without a bank account:
- Check-Cashing Services: Widely available but charge high fees (1.5%–9.9% of check amount).
- Walmart: Affordable fees ($4 for checks under $1,000; $8 for larger checks) and over 4,700 locations.
- Grocery Stores: Chains like Kroger offer check-cashing services with fees as low as $3.
- Prepaid Card Providers: Cash checks via mobile apps like PayPal (fees 1%–5%).
- Issuing Banks: Cash checks directly from the bank they’re issued by, often for lower fees.
- Credit Unions: Some allow non-members to cash checks for small fees ($5–$10).
- Mobile Check-Cashing Apps: Deposit checks via apps like Ingo Money or Green Dot (fees 2%–5%).
- Local Retailers: Pharmacies and convenience stores offer quick options with fees around $1–$5.
Quick Tip: Compare fees and requirements before choosing. Walmart and issuing banks are often the cheapest, while mobile apps and prepaid cards are great for convenience.
| Option | Fees | Check Types Accepted | Max Check Amount |
|---|---|---|---|
| Walmart | $4 (<$1,000), $8 (>$1,000) | Payroll, government, tax refund, etc. | $7,500 (seasonal) |
| Prepaid Cards (PayPal) | 1%–5% | Payroll, government, personal (varies) | $5,000 |
| Issuing Banks | $0–$8 | Checks issued by the same bank | Varies |
| Grocery Stores (Kroger) | $3–$5.50 | Payroll, government, tax refund | $5,000–$7,500 |
Cashing a check without a bank account doesn’t have to be expensive or complicated. Keep reading for detailed pros, cons, and tips for each option.
What are the alternatives to cashing a check without a bank account?
1. Check-Cashing Services
Check-cashing services make it easy to access your money quickly by cashing payroll, government, and personal checks. They’re a practical option, especially for those without access to traditional banking.
Fees and Requirements: These services charge fees ranging from 1.5% to 9.9% of the check amount, depending on the type of check. While convenient, these fees can eat into your earnings, especially for larger checks. To use the service, you’ll need a valid government-issued ID for verification. Once the check is verified, you’ll receive your funds immediately.
Accessibility and Options: These services are widely available and handle various types of checks. They also offer flexible payout options, like cash or loading funds onto a prepaid card.
Pro Tip: Shop around and compare fees from different providers in your area to save money. Some services may have discounts for first-time users or specific check types.
Although check-cashing services are convenient, options like Walmart often provide lower fees and greater accessibility.
2. Walmart
Walmart provides one of the most affordable and accessible check-cashing services in the U.S., with fees starting at just $4 for checks under $1,000. With over 4,700 locations across the country, it’s a convenient option for those without a bank account.
Here’s a quick breakdown of Walmart’s fees:
- $4 for checks up to $1,000
- $8 for checks over $1,000
- $6 for two-party checks up to $200
The service handles a variety of check types, including payroll, government, tax refund, cashier’s, insurance settlement, and 401(k) disbursement checks. However, it does not accept third-party, handwritten, or estate checks.
To cash a check, just bring it along with a valid ID to the MoneyCenter or customer service desk. Most Walmart locations offer this service, making it a practical choice for many.
Though Walmart’s fees and availability are appealing, you might find grocery stores or other local services more convenient for everyday check-cashing needs.
3. Grocery Stores
Many large grocery chains provide check-cashing services, making it easy to cash checks while you shop. Fees are generally reasonable, and the process is straightforward.
Kroger stands out with over 2,000 Money Services locations across the country. With a Shopper’s Card, Kroger charges $3 for checks up to $2,000 and $5.50 for checks between $2,000.01 and $5,000. During tax season, their check-cashing limit increases to $7,500.
In general, fees at grocery stores range from $1 to $5.50, with cashing limits typically between $1,000 and $5,000. Most grocery stores accept various types of checks, including payroll, government, tax refund, insurance settlement, and business checks. However, they often do not accept personal, starter, or third-party checks.
To cash a check, you’ll need a valid ID. Some stores also offer loyalty programs that can help lower fees.
Helpful tip: Call your local store ahead of time to confirm their check-cashing policies, as fees and limits can vary by location and state.
While grocery stores are a convenient option, especially for in-person transactions, their fees and limits can differ. For those looking for a digital solution, prepaid card providers might be worth exploring.
4. Prepaid Card Providers
Prepaid card providers make it possible to cash checks without needing a traditional bank account. They combine digital tools with quick access to your money.
| Provider | Check Cashing Fee | Max Check Amount |
|---|---|---|
| PayPal | 1% (payroll/gov’t) | $5,000 |
| NetSpend | Up to 2% | $2,500 |
| GreenDot | 2-5% | $5,000 |
To use these services, you’ll typically need a government-issued ID for verification. Once you’re set up, you can deposit checks through their mobile apps by simply snapping a photo.
Benefits to Know:
- Deposit checks from your phone
- Access extra features like bill payments and money transfers
- Funds are protected by FDIC insurance
"Prepaid cards provide a safe, convenient way for unbanked individuals to manage finances", says Lauren Saunders of the National Consumer Law Center.
Things to Keep in Mind:
- Watch out for fees like monthly maintenance or ATM withdrawals
- Check which types of checks are accepted (personal checks are often excluded)
- Compare fees if you want faster access to your money
- Look into their ATM network to avoid extra withdrawal fees
Most prepaid card providers charge between 1% and 5% for check cashing. While not free, this option is often cheaper than traditional check-cashing stores, especially if you use other features they offer.
Pro Tip: If you get regular payments, consider setting up direct deposit with your prepaid card. Many providers waive check-cashing fees for direct deposits.
Prefer handling things in person? Visiting the bank that issued the check can sometimes be a simpler, low-cost alternative.
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5. The Issuing Bank
Using the issuing bank (the bank that wrote the check) is often the easiest way to cash a check if you don’t have a bank account. It can also be more affordable compared to check-cashing services or prepaid card providers.
Here’s a quick look at what some major banks charge for non-customer check cashing:
| Bank | Fee | Minimum Check Amount |
|---|---|---|
| Citibank | Free | Under $5,000 |
| Bank of America | $8 | Over $50 |
| Wells Fargo | $7.50 | Any amount |
| Fifth Third Bank | 1% of check amount ($4-$25 max) | Any amount |
| PNC Bank | 2% of check amount ($2 minimum) | Over $25 |
To cash a check at the issuing bank, you’ll need a valid government-issued ID.
"Not all banks cash checks for non-customers", say banking experts. It’s always a good idea to call ahead and confirm the bank’s policies.
Things to Keep in Mind:
- Call first: Verify the bank’s requirements and fees before heading over.
- Check age matters: Most banks won’t cash checks older than six months.
- Verification process: Banks will confirm the check writer’s funds and ensure you’re the named recipient.
- Large checks: Extra verification steps may apply for high-value checks.
If the issuing bank’s fees or rules don’t work for you, consider checking with a local credit union. They often provide more personalized services.
6. Credit Unions
Credit unions provide an affordable option for those without a bank account to cash checks. These member-owned institutions usually charge lower fees than traditional check-cashing services.
Here’s a quick look at typical fees charged by major credit unions:
| Check Type | Member Fee | Non-Member Fee |
|---|---|---|
| Government Checks | Free-$3 | $5-$10 |
| Payroll Checks | Free-$5 | $5-$15 |
| Personal Checks | $3-$5 | Not Available |
While credit unions mainly cater to their members, some also cash checks for non-members, especially if the check is issued by their institution. For instance, Navy Federal Credit Union and Alliant Credit Union offer these services, though fees and policies differ.
To cash a check, you’ll need a valid ID, the original check, and sometimes proof of address or additional documents for larger amounts. Credit unions often cash checks on the spot if they come from a known issuer but might hold funds for larger checks or those from out-of-state or unfamiliar issuers.
According to the National Credit Union Administration (NCUA), 71% of credit unions provide check-cashing services. With over 3,400 credit unions serving 130 million members across the U.S., they’re widely available.
Pro Tip: If you cash checks often, consider joining a credit union. Membership usually requires a small deposit, and you’ll enjoy lower fees along with access to other financial services.
Lastly, credit unions are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), offering the same level of protection as banks. If a credit union isn’t an option, mobile check-cashing apps can be a convenient alternative.
7. Mobile Check-Cashing Apps
Mobile check-cashing apps offer a convenient way to deposit checks without visiting a bank or check-cashing store. Apps like Ingo Money and Green Dot let users deposit checks by taking a photo with their smartphone. They cater to people without traditional bank accounts, offering different fee options and processing times.
Here’s a comparison of some popular apps:
| App | Standard Fee | Express Processing Fee | Maximum Check Amount |
|---|---|---|---|
| Ingo Money | 2% (payroll/government) | 5% (other checks) | $5,000 |
| Green Dot | $3.74 (Walmart deposit) | Varies by service | Varies by check type |
| PayPal | Free (government/payroll) | 1% (immediate access) | $5,000 |
By 2020, 71% of Americans had adopted mobile deposit services, according to the American Bankers Association. To use these apps, you’ll need a smartphone with a camera, internet access, a valid ID, and the original check.
Processing times depend on the app and type of check. Standard deposits usually take 2–3 business days, but most apps offer faster options for a fee if you need immediate access to funds.
"Mobile deposit has become a staple of digital banking, offering consumers a convenient and secure way to deposit checks from anywhere", says Jim Marous, Co-Publisher of The Financial Brand.
For the best results, use good lighting, place the check on a dark background, and double-check the details before submitting. While these apps are convenient, they’re ideal for users comfortable with digital tools.
If you prefer in-person services, many local retailers also provide check-cashing options.
8. Local Retailers
Local retailers like grocery stores, pharmacies, and convenience stores often provide check-cashing services through their Money Services centers. These services are a handy option for people without bank accounts, offering flexible hours and accessible locations.
Fees typically range from $1 to $5, depending on the type and amount of the check. Some retailers even offer partial fee refunds as store discounts, which can be a nice perk. With their extended hours, these locations are especially helpful for those working irregular schedules.
To cash a check at a local retailer, you’ll need:
- A valid government-issued photo ID
- The original, unaltered check
- Cash for any applicable fees
Most retailers process checks on the spot, giving you immediate access to your money. While payroll, government, and insurance checks are usually accepted, personal and third-party checks are often excluded. Keep in mind that check-cashing limits and policies can vary by location.
What to Keep in Mind:
- Processing is typically instant
- Some stores have extended or even 24-hour service
- Maximum check amounts differ by retailer
- Certain check types may require extra verification
Pro Tip: Call ahead to confirm the store’s fees and check-cashing limits, as policies can vary widely.
For those without traditional banking options, local retailers offer a practical solution for quick access to funds. However, comparing fees and policies across different locations can help you find the most suitable option.
Conclusion
Check-cashing services provide quick access to money but often come with steep fees. Walmart offers a lower-cost alternative, with fees starting at just $4.
When choosing the best option, keep these factors in mind:
- Compare fees from different providers.
- Consider the convenience of the location and its operating hours.
- Check the documentation required to cash your check.
Mobile check-cashing apps are available 24/7, while retail options like Walmart have extended hours and seasonal check-cashing limits ($5,000 from May to December and $7,500 from January to April).
For a long-term solution, think about opening a traditional bank account. Banks usually offer more services at a lower cost, which can help you manage your finances more effectively over time.
FAQs
Where is the easiest place to cash a check?
Here are some convenient and affordable options to consider:
- The issuing bank: If you don’t have an account, this is often the cheapest choice. For instance, Citibank doesn’t charge for checks under $5,000. Meanwhile, Bank of America charges $8, and Wells Fargo charges $7.50.
- Major retailers: Walmart is a popular option with low fees, as mentioned earlier.
- Grocery stores: Chains like Kroger also provide check-cashing services at reasonable rates, as previously noted.
Things to keep in mind:
- Bring a valid ID
- Compare fees, operating hours, and location convenience
- Look out for limits or seasonal changes
It’s best to steer clear of traditional check-cashing stores, as their fees can go up to 12%.