Cash a Check – things to note when you don’t have a bank account

When you don’t have a bank account, cashing a check can seem very hard. It is even harder when you are advanced in age or you don’t have the basic knowledge. Now, you don’t have to worry anymore because cashing a check is not just simple but easy. The essence of this work is to teach you how to cash a check even when you don’t have a bank account. it is important to know that when cashing a check and you don’t have a bank account, you will pay some money depending on how much you are cashing.Cash a Check


However, before cashing your check, you must present one or 2 valid means of identification.

Places you can cash your checks include the followings:

KMART or Grocery Store

Kmart is a discount retailer with the lowest check-cashing fees. I charge $1 to cash a payroll, tax, government, or 2 party personal checks. But in Illinois and Rhode Island, she charges 50 cents to cash a check. In some states like South Carolina, New Jersey, Delaware, Connecticut, it’s completely free.


When it comes to cashing checks, Walmart is the largest retailer for that. The cash checks to ensure you get into their store and make purchases.  She collects $3 on checks of $1,000. But, in some cases, $1 Walmart stores charge $6 for amounts bigger than #1,000 to $5,000. The store cashes payroll, government, tax, insurance settlements, and so on. It does not cash personal checks.

Grocery Store

If you have a shopper card, Kroger and some of its affiliates charge $3 for checks up to $2,000. For amounts up to $5,000 or more, the charge is $5.50 dollars. H-E-B Grocer starts charging from $3. However, the two do not cash personal checks.

On the other hand, many banks cash checks including personal checks. If this check comes from the bank itself and you are not their customer, they will cash it. However, the bank charges $7 to $8. PNC does not charge a fee on checks that come from its account holder. But some banks waive the fee if you open a checking or savings account with them.

Check Cashers

You can cash your check here on urban streets. They as well give payday loans and money orders.  They charge high fees too. Some of them charge up to $12 per personal check. A lot of states don’t have regulations for Check Cashers; this makes them charge anything they want.

Moreover, if you only need to access your check’s fund, you can get a prepaid debit card account. But you will need to pay monthly service fees, check deposit fees and cash reload fees.

You can upload a picture of the check to your bank and they will deposit it into your account.

Lastly, Fifth Third Bank gives Express Banking an account that allows customers to access their check deposits with ease and freedom. Low transaction customers can pay 4% on personal checks, 2% on payroll, government and official checks, and 1% on Fifth Third checks. There are no minimum balance requirements and no monthly service charge.

I hope you have now learned that cashing a check is not hard at all. You can do it in a lot of places.


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