Have you ever wondered how to cash a personal check when you don’t have a bank account? Or where you can cash a check right now and what the charges would be?
You might need to cash a check from a friend because you’re traveling out of state, or you could have an online bank or you may simply not have a bank account at all.
If someone writes you a check and you don’t have access to your own bank, you may have a problem.
Don’t fret, there are several ways you can cash a check without a bank account.
Here’s how you can do it.
Places That Will Cash a Personal Check
There are a number of places that will cash your check.
It is a bit risky for them because if the check bounces due to insufficient funds they will have to come after you to collect the money.
They all will ask for some form of ID and keep that info on file until the check clears.
Most of these locations and banks do charge a fee to cash your check. Some fees are minimal (like Kmart and a few Banks) but others can really charge huge amounts (up to 5 percent of the value of the check).
If you’re careful and ask the right questions, you can minimize the fees you pay and maximize the amount of money you’ll get to keep.
Below is our list of 11 places that WILL cash a check (some with minimal fees).
At the bottom of the article is a list of stores that will cash other types of checks for you (payroll, money orders, and government), but will NOT cash a check written to you by a friend.
A. Retailers & Grocers THAT Cash Personal Checks
Many grocery stores and retailers list various money services on their websites. Things like Western Union, Cashiers Checks, and Money Orders can be purchased or used to send money.
Most of these stores will cash payroll and government checks, and a few of them say they will cash a check written to you personally.
As we’ve researched this topic, we called several stores that listed the cashing of personal checks. We discovered that many parent companies allow the stores to determine their own policies. As a result, some WILL cash a personal one, but others won’t.
So it’s always a good idea to call ahead and ask if they can cash your check.
Here’s a shortlist of the larger grocery chains that can help you.
1. Giant Eagle Grocery Stores
If you live in Pennsylvania, West Virginia, Ohio, Maryland or Indiana you can cash a check written by a friend to you at one of Giant Eagles 229 stores.
You won’t receive cash for your check, but you will get equal value put on a Giant Eagle Advantage Card to spend in their store.
You’ll need a government-issued ID to be eligible to cash a check.
They use a third-party verification system and will also review your check cashing history before giving you your money.
It’s not clear if they charge a fee for cashing a check and putting the value on their advantage card. But they do charge a fee for cashing a payroll or government check.
Kmart stores are becoming rarer as their parent company struggles financially and they shut down stores in many locations. However, if you can find a store near you, they do offer the option of cashing personal and payroll checks. They are one of the least expensive options.
They will cash a check written for up to $500 and charge a fee of $1.
They will also cash paychecks, and government-issued checks for up to $2000 for the same fee.
– Government checks up to $2,000
– Payroll checks up to $2,000
– Two-party checks up to $500
While Kmart has the best price for check cashing the number of stores they have is decreasing. As of August 2018, they had about 340 locations left open.
Before heading to a Kmart, call first to make sure the store is still open.