How to cash a check without an ID in a few easy steps [2022]

Updated on April 25, 2022

At a Glance: To cash a check without an ID, you can sign the check over to person else, use ATM crack cash, or deposit it into your bill and withdraw the funds when it processes ( typically 3 to 5 business days ) .

normally, when cashing a check, people use an ID to complete the transaction. Banks are required to have an identity verification policy by the Federal Deposit Insurance Corporation, which is why an id is necessary. But there may be ways for you to cash a check evening if you don ’ triiodothyronine want to use an ID.

so, here is how to cash a check without an ID .

Acceptable Forms of Identification

When cashing a check, you normally need an ID human body issued by the politics. The most normally provided one is the driver ’ south license, but in its absence, you can besides show a state-issued ID .
sometimes, you can besides use a pass or a military ID for identification, but it in truth depends on each savings bank. not every bank is the lapp, meaning they might have different policies. As a result, some banks will not accept merely any government-issued ID .
ID forms like foreign licenses or out-of-state IDs, for case, may not be accepted. You may besides need to provide two different identification forms, with the second base one much being a utility program bill or a credit card .

Do I Need an ID to Cash a Check?

Believe it or not, but it ’ s not uncommon to come across people who do not have a valid identification imprint. In fact, there was a study done by the Brennan Center which revealed that there are more than 21 million adults in America who do not own an ID form with a photograph issued by the government. In some early cases, people may have an die ID, or their document got stolen or lost .
In general, you need to have an ID available in rate to cash a determine, so you should constantly be ready to present it. The well news is that there are different documents that may be accepted as ID, so you need to contact your trust and find out what they use. If you have a particular document you would like to use as an ID, you can ask them whether they ’ ll accept it .
fortunately, you can besides cash a check even if you don ’ metric ton have an ID, so there is no indigence to worry .

How to Cash a Check without an ID

not having a valid form of identification should not stop you from cashing a check. actually, it is possible to perform this transaction tied without an ID .
For example, you can use a mobile app in ordain to cash a hindrance. All you have to do for that to be possible is install the app and link your bank account, prepaid circuit board, or PayPal account. then, you will be able to scan the bridle .
How long it will take for the money to be processed depends on the particular app you are using. It may take a matter of hours or days. One of the most popular check-cashing apps that exist is Ingo Money. It only takes a few minutes for it to process your check. other know apps include Lodefast Check Cashing app and Brink ’ s Money Prepaid .
On top of that, you can besides sign the check over to a person that you trust. This way, they will be able to cash it, creating a third-party check as a consequence. You just need to be mindful of the fact that with this method acting, banks will have to verify whether the original payee offered mandate for signing the check. therefore, the original payee has to present an ID .

3 Ways to Cash a Check Without an ID

As such, you may be able to cash a check without an id by :

  • Signing it over to another individual
  • Using ATM check cashing if it’s offered by your bank
  • Depositing it into your own account using a bank ATM

Each of these ways is discussed in detail downstairs .

Depositing and Withdrawing without an ID

If you do not have the ID shape that the bank requires, there is something else you can do with your hindrance. You can deposit it into your account. The merely thing to keep in take care is that this may take a while, so you need to wait until the crack clears to gain access to your money. This entire routine can take about 3-5 business days .
When you are depositing a teller ’ south determine, you ’ re in luck because the very future business day, you will gain access to the funds. besides, banks like TD Bank, for case, will allow you to access the first $ 100 ampere soon as you deposit the check.

then, when the full sum becomes available, you have the chance to withdraw the money. What makes this even better is that no ID is required in order to make the withdrawal. The only thing the bank will pay care to is whether the key signature on your crack is the same as the matchless on file when you withdraw the money .

ATM Check Cashing without an ID

Automated teller machines are by and large a blessing because they allow you to deposit your cash. however, there are some banks that besides let you cash them, which makes things even better .
For example, if you are person with a checking account or a postpaid debit card at Regions Bank, you can insert your check into the ATM and cash it. In an blink of an eye, you can receive up to $ 3,000 from the check. If there is any remaining amount, though, you have to deposit it into the prepay or checking account .
fortunately, no ID is required to do this, so if you don ’ t have any, this can be a very useful way to cash your check. You merely need to ensure you have your debit circuit board with you because it ’ ll be necessary .

Signing the Check Over

Another means to cash your check if you don ’ deoxythymidine monophosphate have an ID is by signing the check over to person else. This can be a kin member or a ally that you trust. The check can be endorsed if you sign your name and then write “ Pay to the regulate of ” on it, then write the full name of the person you trust with this .
The check will be endorsed underneath, and after this, the person that you sign the check over to will have to show a shape of recognition. The ID should match the name written by you on the check. interim, your ID doesn ’ thymine have to be shown. The bank will then have to decide if they cash the determine or deposit the money, and then wait for the clear of the check .

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Final Thoughts

not having an ID could cursorily make you panic, as you may think you will not be able to cash a check mark without showing this type of document. fortunately, it is possible to cash it when you don ’ metric ton have an ID .
This can be done by signing the assay over to person else, making a deposition and a withdrawal, or doing an ATM check cashing with your bank if it ’ second possible. All in all, you good need to find the method acting that works best for you, and you will be able to cash a check in no time, even without an ID .

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I ’ m a firm believer that information is the key to fiscal exemption. On the Stilt Blog, I write about the complex topics — like finance, immigration, and engineering — to help immigrants make the most of their lives in the U.S. Our content and trade name have been featured in Forbes, TechCrunch, VentureBeat, and more .
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