How To Cash a Check Without a Bank Account

Approximately 7.1 million Americans were “unbanked” in 2019, according to the Federal Deposit Insurance Corporation (FDIC). “Unbanked” refers to people who don’t have a savings or checking account at a bank, credit union or other financial institution.

Depending on your needs and eligibility, there are plenty of free checking accounts available if you’re looking to get established with a financial institution.. However, if you’re looking to take advantage of certain tasks — like cashing a check — without one, you have options there, too.

When cashing checks without a bank account, you may face increased fees and certain restrictions, like not being able to cash a check above a particular amount of money. You might also need additional forms of ID and experience a waiting period before you can access the money.

Still, this service is available to you if you don’t have a bank account. Here are your options if you want to cash a check.

How to Cash a Check Without a Bank Account

Here are several ways you can cash a check — bank account optional.

1. Select Grocery Stores and Convenience Stores

Large grocery chains, such as Food Lion and Publix, offer check cashing. At HEByou can cash your government check for as little as $3 or have the money loaded onto a prepaid debit card (more on these cards in a bit).

Some grocery stores have bank branches within them, too. For instance, certain ACME Markets have Citizens Bank branches within their shops that offer a small-scale variety of services (but call ahead to make sure that check cashing is one of those offerings). Many stores under the Kroger umbrella have check cashing as well.

Select convenience stores and corner shops also offer these services. 7-Eleven sort of has check cashing. You won’t be able to cash a check at a counter, but with [email protected] by 7-11 — a prepaid Mastercard where users can have their direct deposit check added to the card — you can…

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