How To Cash My Stimulus Check Without Id

Use A Reloadable Prepaid Card

How people without bank accounts can cash stimulus checks

Reloadable prepaid cards are an alternative option for transferring funds without presenting an ID. These cards function like bank-issued debit cards, but youll be transferring money from your check directly onto the card, instead of into a bank account. You can find prepaid cards at stores such as CVS , Walgreens , and Walmart . Once you have the card, follow the instructions for registration and activation. To avoid hassles with check cashing, choose the direct deposit option that transfers paycheck funds to the card this works for checks that can be deposited electronically. You can also reload these money cards using cash when checking out at store registers. When funds are available, you can use the card to withdraw cash at the nearest ATM.

Note that not all prepaid cards can be activated without ID. For instance, PayPal offers a reloadable prepaid card, but you may need to show ID to get it. PayPal collects your full name, address, date of birth, and Social Security number when issuing a prepaid card you may be asked to show a drivers license or another identifying document to verify this information. You dont need a PayPal account to use the PayPal Prepaid MasterCard, and you can add money to this card using direct deposit or instant transfer from a PayPal account. However, you will need to have a PayPal account to gain access to all of the Prepaid Cards online features.

Use Atm Check Cashing

With almost half a million ATMs scattered throughout the US, youve surely come across one. Did you know that its one of the places to cash checks without an ID?

Most banks offer ATM cash checking for free. With this, you can kill two birds with one stone: deposit a check without an I.D. and receive your moneys entire value.

You just need to find an ATM that offers check cashing . Then follow the steps below:

Insert your debit card, then enter your PIN.

Select the Cash Back or Deposit Check option from the choices on the screen. Some machines allow you to instantly get cash from the check. However, some ATMs only permit depositing a check.

Insert the check into the ATM, then verify the amount. Make sure to assess if the details are correct. Avoid errors since they may put your account on hold or cancel the transaction.

How To Sign A Check Over To Someone Else

If you have a check and would like someone else to cash it for you, youll need to sign it over to them. This allows them to either deposit or cash the check.

Due to the risk of fraud, your bank may not want to cash the check, so its recommended you go to the bank with the person depositing the check and present your ID.

Banks often prefer to verify your signature before handing over your money to another person.

If you dont have a bank account, using a prepaid debit card can be a good solution.

Also Check: Earned Income Tax Credit Stimulus

What Type Of Id Should I Have To Cash A Check

Before submitting a cashiers check without identifying yourself, its important you see the proper identification documents before completing the form. Most establishments require primary IDs, but others accept secondary IDs. When you cash in your check, the issuance documents include a National Identification Card or a passport.

Whatever you select, verify that the card ID is current. Check if your ID is expired. Even when your photo and the name are accurate, the place cant accept it if the expiration date isnt entered.

Go For Online Banking

Since traditional banks can present somewhat difficult obstacles to overcome for many people – such as high fees or difficulty opening an account – there are online banks that offer different financial services, including checking accounts free of monthly fees. It is usually very easy and fast to open an account in one of these online banks, deposit money and send it to another person, either through ACH, debit card, Bill Pay or even check, allowing you to save a lot of money, time and effort, in addition to offering a whole series of discounts and rewards as it happens with the Nearside business checking account.

Recommended Reading: How Much Was All The Stimulus Checks

How Can I Get A Stimulus Check Without A Name Or Address

The IRS recommends using the address of a trusted friend, relative, or animal shelter so that the agency can send your payment if you dont receive an immediate deposit. The agency also says that banks will help an unaccounted person to open a free or low-cost bank account. Candidates who do not apply are likely to be eligible for two 2020 incentive checks.

Dont Miss: What Do Stimulus Checks Look Like

How To Cash A Check Without A Bank Account

Seek the Lowest-Cost Option

Roughly 7.1 million American households are without a bank account, according to the FDIC, and you may have had trouble cashing a check if you belong to one of them. Cashing a check without a bank account is possible, but you may have to pay a fee to do it. In some cases, you may even have to do some extra legwork to make it happen.

Read Also: Track My 3rd Stimulus Check

Read Also: Track My Golden State Stimulus 2

Can You Cash A Check At An Atm

You can cash a check at an ATM, which is a little less convenient than going to the bank. However, not every ATM will allow you to accomplish this some will simply allow you to deposit the check, while others will not accept checks at all.

However, if the local ATM enables it, simply bring your check, your bank card, and a pen to the machine and follow the on-screen instructions. Before the ATM will dispense your cash, you may need to have the amount of dollars already accessible in your account.

How Do I Activate Government Check On Cash App

Tax tips: Claiming stimulus check on IRS 2021 return | ABC7 Chicago

All you have to do is just update your Cash App routing number and account number. Also, take a minute to share your personal details like SSN, D.O.B, and address and upload a photo-id proof as well, if asked. That’s not all, whenever you wish you also can check the stimulus check status on the IRS portal.

Local Bank Or Credit Union

Even if you dont have a bank account at the moment, you can still seek a local bank or credit union to cash your stimulus check. Government checks are considered safe, which means the banks wont have any issue cashing the stimulus checks for people who arent their customers. At the same time, you should be aware that they might take a fee from you if you use this method. It all depends on each bank or credit union.

Before going to the bank or credit union, you should give them a call. Ask them whether any fee will apply for cashing stimulus checks as a non-customer. Usually, fees could be between $5 and $20. In order to be able to get your stimulus check, you also need to present two IDs with photographs. These could be your passport, military ID, drivers license, or anything of the sort.

Also, FDIC, aka the Federal Deposit Insurance Corporation told financial institutions that they should help people who are struggling because of the pandemic. This can be done by making the restrictions less harsh, waiving fees, and allowing non-customers to cash their stimulus checks. As such, there are high chances that there is a credit union or a bank that will instantly help you cash your stimulus check, while not charging you any fee.

Best Mobile Check Deposit App

At the time of writing, the best mobile check deposit app is Ingo Money. It is related to the information app inGo that scans information, even from newspapers.

The inGO check cashing app assists you with no ID check cashing anywhere, anytime. It makes things very convenient because you dont have to line up at the bank and to wonder if they will accept your requirements or not.

The app not only cashes checks, but it also cashes money orders. It accepts personal checks, payroll checks, federal government checks, and business checks. You could be spending time with your family if you deposit your checks with a mobile deposit app instead of driving over to your bank branch.

Here are alternative mobile check deposit apps to consider:

See if any of the above are compatible with your device.

Who Cashes Checks Without An Id

Surprisingly, according to New York Universitys Brennan Center for Justice, more than three million Americans dont have a government-issued picture ID. The most popular form of ID is a drivers license.

Here are the top reasons people dont have a government-issued drivers license:

Elderly Theyve given up driving and dont require a drivers license
Big city living People who live in a big city dont need to drive around and choose to use public transportation or ridesharing apps like Curb, Uber or Lyft.

Poor A segment of the population cannot afford reliable transportation. Instead of using a car, people can use trains, buses, biking, walking, or ridesharing.

Example: How Much It Costs To Cash A Government Of Canada Cheque At A Payday Loan Company

Stimulus Payments Have Propped Up Weak Economy, and Harm Will Grow ...

Suppose you have a Government of Canada cheque worth $1,000.

It would cost you about $33 to cash it if the payday loan company charges you:

2.99% of the value of the cheque, plus
$2.99 for each item you cash

This means that after fees, you’d only get about $967 instead of the full $1,000.

Before using a payday loan company or other cheque-cashing service to cash your Government of Canada cheque, make sure you understand all the conditions, including the fees that youll have to pay.

Read Also: 4th Stimulus Check Texas Update

Can You Cash A Check Without Id Answered

Losing, misplacing, or having your ID stolen can make it difficult to perform certain everyday tasks, including cashing a check. Most check cashing establishments require you to provide a valid government ID before theyll cash your check to avoid using an ID, youll need to use an unconventional check cashing method, such as mobile deposit or signing the check over to a trusted friend. Below, we explain how to cash a check without ID.

Your Right To Cash A Government Of Canada Cheque

You have the right to cash your Government of Canada cheque for free at a bank and at an authorized foreign bank .

You can cash your Government of Canada cheque at any branch of a bank in Canada that has tellers and that offers disburse cash services. You can do so even if youre not a customer of that bank.

Find out more about your rights when cashing a Government of Canada cheque.

Don’t Miss: When Did The Third Stimulus Check Go Out

Cashing An Old Government Of Canada Cheque

You can cash a Government of Canada cheque no matter how old it is. Government of Canada cheques dont have an expiry date and never expire. However, it may take longer to cash an older cheque because a financial institution may first want to verify that the cheque is legitimate.

If youre having a problem cashing an old federal government cheque, send it to the Cheque Redemption and Control Directorate. Ask to have it reissued with a current date.

Cheque Redemption and Control Directorate Returned Cheques G4W 4N5

Community Financial Service Centers

VERIFY: How to receive all your stimulus checks

The Community Financial Service Center is a place where you can cash checks. However, not all CFSC stores offer 24-hour check cashing. Hence, you should check with your nearest store for the opening hours.

You can cash various checks at CFSC, including government checks, payroll checks, stimulus checks, social security checks, SSI checks, unemployment checks, Veterans Benefit Checks, and Income Tax Refund checks.

Its important to note that check cashing fees and limits vary by location.

Also Check: Is It Too Late To Apply For Stimulus Check

How To Cash A Check Without Id

To cash a check without an ID, you can take advantage of ATM or Mobile app deposits. Alternatively, you can endorse a check over to a trusted third party who can then cash the check for you. You will need an ID if you do not have access to ATM or Mobile deposits or have a trusted third party.

The first way to cash a check is to use an ATM. Youll be depositing the check into the ATM and then withdrawing a cash equivalent. You will need your bank or debit card and the endorsed check.

Heres a video by Salal Credit Union which shows you how to deposit a check using an ATM.

The steps include:

Select Deposit, Checking or Savings, and then select check deposit.

Insert your check and verify the information is correct.

Once the check has been deposited, you can withdraw the cash equivalent.

Mobile app deposits are similar to ATM deposits. Your bank should have a Mobile app and some banks allow Mobile app deposits. You take a picture of the check through the app and your check is deposited into your account. You can then withdraw the cash equivalent.

Lastly, you can endorse a check to a third party who does have identification. This person can then cash the check for you. To endorse a check to a third party:

Write Pay to the order of and the persons name on the back of the check.

Sign the back of the check yourself.

How Do I Endorse My Stimulus Check

Find a trusted person with a valid ID and bank account to agree to cash your stimulus check.

Ensure that your endorsees bank will accept the third-party stimulus check without requiring the endorsers ID or presence.

Every check has an area on the back of the check that reads Endorse Check Here. This area is where you should sign your name as it appears at the front of the check.

Write Pay to the Order of and the name of the person you chose to cash your check under your signature at the back of the check.

If you are uncertain of the trustworthiness of your chosen endorsee, it may be a good idea to accompany them during the transaction.

Cash Your Stimulus Check Using ATM Deposit

Certain banking institutions offer ATM facilities to cash checks into your account, provided that you use the banking institution that you hold the primary account.

You should be aware that not all banks will clear the stimulus check immediately, and you may have to wait for the bank to process your check verification.

Typically the process may take between two to several working days, so you should ensure that you deposit the check by banking cut-off times, with two or more working days for the check to clear.

Some of the more popular banks that allow ATM check deposits are:

Bank of America

Although not every bank requires you to endorse a check before you deposit it, you should endorse it for safety reasons. The process of endorsing is relatively simple, as follows:

Recommended Reading: How To Check For Stimulus Checks

Sign Over Your Stimulus Check To Someone You Trust

Many institutions will allow your trusted friend or family member to cash your stimulus check if you endorse the check correctly to their name.

Various financial institutions will provide such a service, including banks, credit unions, and check cashing services across the country.

Some of the larger institutions that you may choose to cash your third party stimulus check include:

Bank of America

Your stimulus check endorsee may also cash the check at a check-cashing store such as:

ACR Cash Express
The Check Cashing Store.

What If I Didn’t Get My First Or Second Stimulus Check

If you haven’t received your first or second check, it’s time to do something about it. This image shows when you can and should request IRS payment tracking to follow up on the incentive audit the agency claims to have filed. Read below to learn more about exactly how payment tracking works, how to get started, and when to use it.

If youre like most homebuyers, youll need a to finance the purchase of a new house. To qualify, you must have a good and cash for a down payment. Without these, the traditional route to homeownership may not be an option. There is an alternative, however: a rent-to-own agreement, in which you rent a home for a certain amount of time, with the option to buy it before the lease expires. Rent-to-own agreements consist of two parts: a standard lease agreement and an opti

Don’t Miss: Contact Irs About Stimulus Payment

Cashing Cheques What Are My Rights

Banks are regulated by the federal government and B.C. credit unions are regulated by the Province of British Columbia this means that the rules that apply can be different

Banks must make the first $100 of money that you deposit by cheque available to you right away
If you deposit the cheque in person with a bank teller, the $100 must be available to you immediately
If you deposit it at an ATM, the $100 must be made available the next business day

If your cheque is from another country, it can take much longer to clear and so the hold period may be much longer
To cash a provincial income assistance or disability assistance cheque, a cheque casher, bank, or credit union cannot charge more than $2 plus 1% of the cheques value , as of September 1, 2018.
You can cash a Government of Canada cheque for up to $1500 at any bank for free, even if you dont have an account. You will need to show identification such as a drivers licence or passport to do so

For credit unions, the rules and your rights may be different, so if you decide to open an account at a credit union, you can ask for their policies on cheque holds that will apply to your account. Much of this information is also available on the bank or credit union websites, so you can research ahead of time, before making an appointment to open an account

More information about cashing cheques and opening a bank account can be found through the Financial Consumer Agency of Canada.