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Nearest Check Cashing Place To My Location
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Even exchanging money between family and friends is now done through online apps like Venmo, PayPal, or Zelle. Most of these require a linked bank account.
That means if you’re one of the 7% of people in the U.S. who don’t have a bank account, managing your money, especially cashing checks, is a little trickier.
When you have a bank account, cashing a check is very easy. You can withdraw from the bank or use an ATM. With some banks, you can use their app to take a quick picture of the check and deposit it from your phone.
Without your own bank account, you can’t go to 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 money, visit one of the check cashing locations on this list.
Although cashing a check when you don’t have a bank account is difficult, it’s not impossible. There are several companies that will cash a check for you, but you may have to pay a small fee for the service.
Each check cashing location has different rules and requirements for cashing your check. Some places will cash certain 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 the bank at which you’re trying to cash the check.
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To find this information, look above the memo line in the lower left corner. Contact a local branch to find out its check cashing policy.
You can easily check the check writer’s account balance to see if it has funds. Some banks will phone the account holder on the spot as a security measure to ensure fraud does not occur.
The bank listed on the check was the cheapest option to receive your money. Now, many big banks are starting to charge fees for cashing your check if you don’t have an account with them. Many charge a flat fee or a percentage of the check amount up to a certain maximum.
Each bank has different terms and requirements for cashing checks that are bound to their institution. The most foolproof option is to call ahead and ask about its policies and rates.
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You will need 1-2 pieces of valid ID to verify that the check is yours, so be sure to bring a driver’s license, passport, or other government-issued ID.
Walmart is one of the most global and accessible check cashers on this list. With over 5,000 locations, nearly 90% of the US population lives within 15 miles of a Walmart.
Walmart also has fair fees of $4 for a check under $1,000 and anything over that limit. This is in line with the fees charged by most major banks.
The biggest advantage of cashing your check at Walmart is that it has a number of options. For example, you can get direct cash back or a reloadable Walmart Moneycard.
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A number of businesses operate just for this purpose. If you don’t have access to a local bank, a check cashing location may be your only option.
Be careful as these stores usually charge the highest fees of all the options on this list. Many check cashing stores have different fees, even among their own branches, so be sure to call ahead and ask.
Before you cash your check at a store like this, be sure to ask if they require a credit check. Some stores will run a credit report before cashing the check because they are giving you a short-term loan until the funds are reimbursed from the issuing bank.
Ace Check Express is one of the most popular options with physical locations in 24 states. It will cash any type of check as long as you have a valid ID.
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The big advantage Ace Cash Express has over Walmart and other stores is that it cashes a personal check for you. It doesn’t list fees on its website, so you’ll have to call a local store to get information on how much it will charge to cash your check.
Gas stations used to be a better option for cashing checks, but many places have stopped offering this service due to the high risk of fraud. Once the check is cashed, there is little the gas station can do to track down the person responsible.
However, 7-Eleven still cashes checks. Most places have Vcom kiosks. This is basically a touchscreen center where you can cash checks, pay bills and handle other financial tasks.
The easiest option is to download the transaction 7-Eleven app. You can deposit checks with your phone. Funds are added to the reloadable 7-Eleven prepaid card, which works like a Debit MasterCard. Most online and retail stores will accept them.
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Along with gas stations and travel centers, not every location will be able to cash a check, so call ahead to find one that will.
There are specific rules and regulations for check cashing, so many employers avoid offering this service. However, some do. There is no daily limit on the dollar amount of checks an employer can cash as long as they are payroll checks.
Employers can cash unpaid checks as long as you don’t exceed $1,000 per day. Anything above that and they would be subject to bank regulations as official “check cashiers”.
Retail stores are one of the most reliable and convenient options for cashing a check. You already go to the store several times a week, which means you don’t have to go out of your way if there is a store that offers this service.
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Fees and check limits vary from store to store, but all require a government ID.
Most people won’t let you cash personal checks because of the risk of fraud, but if you’re trying to cash a government check, paycheck, cashier’s check, or money order, your odds are good.
If you don’t have your own bank account, you can endorse the check to a friend or family member.
This obviously requires a deep level of trust, and in some cases, you both need to be with the bank so they can prove to them that you are not being pressured or coerced into doing this. You will be asked to fill out a form to confirm your consent.
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Depending on how often you need to cash a check, you may find it easier to open your own checking account and avoid this remedy. The last thing you want is money getting in the way of your relationships with friends and family.
You can deposit a check and immediately follow it up with a withdrawal from your account. However, if there is nothing in your account before the check is deposited, you may not be able to withdraw the money for 24 to 48 business hours.
Except for endorsing your check to a friend or family member, all of the check cashing locations above require at least one ID, sometimes two. If your ID has expired, it is technically invalid and will not count as a form of identification.
If you don’t have a bank account but have internet access or a smartphone, there are several options. The two most popular apps that don’t require linking a bank account are PayPal and Ingo Money.
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You can use Ingo Money to deposit almost any check, including handwritten personal checks. You endorse the check by signing it and taking a picture of the front and back. Once the check is approved, the funds will be sent to wherever you designate them.
However, fees may be added to Ingo
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