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Check Cashing Place Personal Checks
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Check Cashing Store Locations Near Me
Even money transfers between family and friends are now done through online apps like Venmo, PayPal or Gel Most of these require a linked bank account
That means if you’re one of the 7% of people in the U.S. without a bank account, managing your money, especially cashing checks, is a bit trickier.
Cashing a check is very easy when you have a bank account You can drop by the bank or use an ATM With some banks, you can use their app to quickly take a picture of a check and deposit it from your phone
Without your own bank account, you can’t just walk into a local branch to deposit a check Even if it cashes your check, you’ll pay a small fee each time
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If you don’t have a bank account, but you still need quick access to your cash, visit one of the check cashing locations on this list.
Although cashing a check can be difficult when you don’t have a bank account, it’s not impossible There are many companies that will let you cash checks, but you may have to pay a small fee for the service
Each check cashing location will have different rules and requirements for cashing your check Some places will cash certain types of checks that others won’t, so be sure to call ahead before making a special trip
If you’re trying to cash a check without a bank account, the easiest place to start is with the bank on the check you’re trying to cash.
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To find this information, look above the memo line in the lower left corner Call a local branch to find out its check cashing policy
You can easily check the availability of funds by checking the account balance of the person who wrote you the check Some banks will even make a phone call to the account owner as security to ensure that no fraud has occurred.
The bank listed on the check was the cheapest option to get your cash Now, most of the big banks have started charging a fee if you cash your check Most charge a flat rate or a percentage of the check amount up to a certain maximum
Each bank will have different terms and requirements for cash checks that are tied to its institution The most fool-proof option is to call ahead and ask about its policy and fees
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You’ll need 1-2 forms of valid ID to confirm the check is yours, so be sure to bring a driver’s license, passport or other government-issued ID card.
Walmart is the most universal and accessible check cashing location on this list With more than 5,000 locations, nearly 90% of the U.S. population lives within 15 miles of a Walmart.
Walmart also has reasonable fees of $4 for checks under $1,000 and $8 for anything over that limit. This is in line with the fees charged by most major banks
One of the biggest advantages of cashing your check at Walmart is that there are so many options For example, you can get direct cash back or a reloadable Walmart Money Card.
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Many businesses work for just this purpose If you don’t have access to a local bank, a check cashing location may be your only option
Be careful because these stores usually charge the highest fees of all the options on this list Most check cashing stores have different fees even within their own branches, so be sure to call and ask.
Before cashing your check at such a store, make sure they require a credit check. Some stores will run a credit report before cashing the check because they are effectively giving you a short-term loan until they get the funds back from the issuing bank.
Ace Check Express is the most popular option with physical locations in 24 states It will cash almost any type of check as long as you have a valid form of identification
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Ace Cash Express’s big advantage over Walmart and other stores is that it will cash a personal check for you. It doesn’t have a fee listed on its website, so you’ll need to call a local store to find out how much it will charge to cash your check.
Gas stations used to be a great option for cashing checks, but many places have stopped offering the service because of the high risk of fraud. Once the check is cashed, there is almost nothing the gas station can do to track down the person responsible
However, 7-Eleven still cashes checks Many places have a Vcom kiosk It’s basically a touchscreen station where you can cash checks, pay bills and manage other financial tasks.
The easiest option is to download the transaction through the 7-Eleven app You can deposit checks with your phone Cash is added to your reloadable 7-Eleven prepaid card, which works like a debit MasterCard. Most online and retail stores will accept them
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Not every location will be able to cash a check, including gas stations and travel centers, so call ahead to find one.
There are specific rules and regulations on check cashing, so most employers avoid offering this service However, some do There is no daily limit on the dollar amount on the check that an employer can cash as long as they pay the check.
Employers can also cash non-paychecks as long as you don’t make more than $1,000 per day. Anything above that and they would be subject to banking regulations as a government “check casher”.
Grocery stores are the most reliable and convenient option for cashing checks You probably go to the store twice a week, which means you don’t have to go out of your way if you have a store that offers this service.
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Payment and check limits will vary from store to store, but all will require a form of government ID.
Most won’t let you cash a personal check because of the risk of fraud, but if you’re trying to cash a government check, paycheck, cashier’s check or money order, you’re better off.
If you don’t have a bank account of your own, you can endorse this check to a friend or family member
It definitely requires a deep level of trust and in some cases, you both need to be present at the bank so they can prove that you are not being pressured or coerced into doing this. You will be asked to fill out a form to certify your endorsement
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Depending on how often you need to cash checks, it may be easier for you to open a checking account and avoid this workplace. The last thing you want is for money to get in the way of your relationships with friends and family
You can deposit a check and follow it up with immediate cash withdrawals from your account However, if there is nothing in your account before depositing the check, you will not be able to withdraw funds for 24 to 48 business hours.
Except for endorsing your check to a friend or family member, all of the above check cashing locations require at least one type of ID, sometimes two. If your ID has expired, it’s technically not valid and doesn’t count as a form of identification.
If you don’t have a bank account but have internet access or a smartphone, there are a few options Two popular apps that don’t require a bank account to be linked are PayPal and Ingo Money.
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You can use Ingo Money to deposit almost any type of check, including handwritten personal checks You endorse the check by simply signing it and photographing the front and back Once the check is cleared, the funds will be sent to wherever you designate
However, Ingo may add fees
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