February 3, 2023

Money News PH

The Premier Blog Where Money Talks

5 ways to cash a check without ID

Valid ID is required to cash a check. However, some individuals may not have access to a reliable form of identification.

Their main form of identification could have been taken. Or your ID card has expired and you haven’t received a new one yet. You may be wondering how to cash a check without an ID if you have one. Learn what types of ID are accepted and how to cash a check without ID by reading on.

Is ID not required to cash a check?

Most banks require identification from consumers to paychecks. Some even want official identification.

Since each bank has different identification requirements, this procedure is made considerably more difficult.

Although it is often necessary to show ID at the bank when checking in in person, there are some workarounds such as: B. paying your check online.

How do I cash a check without ID?

This section explains the best way to cash checks without ID. Applying these proven techniques won’t take the most time. For help choosing, go through the choices below.

Use the third-party check

If you don’t have a bank account or valid ID, you can send a check to someone else. A third party receives a check made out to someone else. Some unbanked people use third-party checks to avoid check cashing costs.

You must contact your bank if you have a reliable relative or friend willing to cash a check. You can cancel the checks once you have verified that the bank will accept them. Write “Pay to the order of” under the line “Endorse Check Here” and write down the recipient’s name and signature. Once the check is cleared, the third party can cash it at their bank and give you the money.

Use the bank’s mobile app

You can opt to deposit using your bank’s mobile app if you want to cash a check without showing ID. Most banks allow you to deposit checks for free using their official app. Since you don’t have to go to an ATM, making deposits via the mobile app is more convenient than making ATM deposits.

Before you can use online banking, you must first download the bank’s app to your iOS or Android device. You can select “Deposit Checks” after logging in. Your personal or business checks, front and back, must be photographed. You can use your balance with a debit card or get cash when the bank cashes your check!

Use a prepaid card with a check cashing app

You can purchase a prepaid card if you want to cash a check but don’t have photo ID. Finding a prepaid card alternative that doesn’t require ID might take some effort, but it’s doable. You may be required to make a deposit with the card issuer and pay a check cashing fee.

The company that issues prepaid cards could provide an app for internet banking. If it doesn’t, you’ll need to use third-party software like Ingo Money. Your prepaid card must be connected to the mobile app. You can use your money as soon as the bank clears it!

Use check cashing at ATMs

Can you use an ATM to cash a check? Yes! You can cash checks at an ATM without a valid ID. Imagine receiving a check for the full amount after applying for a payday loan. This check can be cashed at an ATM nearby!

You can use the website’s ATM locator to find the nearest ATM if you have a bank account. You can choose the ‘Cash Back’ or ‘Deposit Check’ option when you insert your prepaid debit card into the bank’s ATM.

After depositing your check in the machine, verify the amount and get your money! You can cash the check amount at designated ATMs as there are no check cashing fees. Keep in mind that there may be certain restrictions on check amounts and there is likely to be a brief bank hold on portions of the check.

Use mobile apps

You might still be able to cash a check using a mobile app if you don’t have a bank account. Some programs that you can use to receive money without an ID are PayPal and Venmo. You must provide a legitimate form of identification if you wish to make payments.

Mobile applications make it easy to cash personal checks, tax refund checks, etc. You’ll need to set up a Venmo or PayPal account and download your preferred payment app. You’ll need to submit your check photos electronically, much like a banking app. You can view the amount of your cashed check in your Available Balance once the app confirms your deposit.


If you don’t currently have a valid photo ID, don’t worry. There are other methods to cash a check at a bank or check cashing shop. However, keep in mind that everyone needs a bank account and a primary identity.

Take the time to get a new ID card if you misplace it or have one stolen. It is easier to conduct financial transactions and confirm your identity when you have the main identification document.

Opening a bank account is one of the best long-term financial options for cashing checks. Opening a free checking account if you don’t already have one has never been easier. You can easily find a checking account with no fees, and many institutions require paperwork to get you started. You can pay bills, cash checks online, shop, and do other things with a bank account.