Most employees are paid through direct deposit, a money transfer, or an app. However, you may be paid by paper checks for some jobs or receive a check as a gift from family or friends. Checks can be cashed or deposited at the bank or credit union that holds your account. If you don't have a 澳洲幸运5开奖号码历史查询:bank account, check cashing servic꧅es are provided at grocery stores and other locations.

Local Banks or Credit Unions

The simplest way to cash a check, whether personal, payroll, 澳洲幸运5开奖号码历史查询:certified, 澳洲幸运5开奖号码历史查询:cashier’s, or government-issued, is through a bank or 🥀credit union where you already have an account. Check cashing can be done in person at a local branch or deposited using your bank’s mobile app.

Banks aren’t obligated to cash checks for individuals who aren’t customers. Some banks that do may charge costly fees ranging from $3 to $10 or require you to enroll in check-cashing services. Many baℱnks offer teen checking accounts specially designed for people under 18. These accounts often waive monthly fees and minimum balance requirements.

The Issuing Bank

If you don’t have a bank account, you may be able to cash a personal or payroll ch💦eck at the issuing bank. The bank n🍌ame is found in the upper left-hand corner of the check. 

Banks aren’t required to cash checks written by their customers to people who don’t have accounts there, but many do. You may be able to cash a check even if you’re under 18, but you’ll have to show proper ID and may be charged a fee.

Walmart

Walmart provides check cashing services for those over 18 with valid identification. It cashes checks of🎀 up to $200 for two-party personal checks and up to $5,000 for preprinted checks. From January through April, during tax refund season, Walmart will cash preprinted checks of up to $7,500.

You’ll pay a fee of $4 for checks up to $1,000 and $8 for checks over $1,000. For two-party personal checks, the fee is $6.You can get the money in cash or load it onto a Walmart MoneyCard after casꦏhi👍ng:

• Payroll checks
• Government-issued checks
• 澳洲幸运5开奖号码历史查询:Cashiers’ checks
• Insurance settlement checks
• Retirement distribution checks
• MoneyGram 澳洲幸运5开奖号码历史查询:money orders
• Two-party personal checks (not available in New Jersey)

Grocery Stores

Grocery store chains like Publix and Kroger offer check-cashing services for a small fee, usually with no age limit. To cash a check at a🎐 grocery store, you must present a valid identification card, such as a state-🌼issued ID, driver’s license, or passport. 

You’ll also pay a small fee, which will vary by store. At Kroger, for checks up to $2,000, the store charges $4 for Shopper’s Card holders and $4.50 for those without a card. For checks larger than $2,000, it charges $7 if you have a Shopper’s Card and $7.50 if you don’t.

Employer

Depending on where you work, your employer may be able to cash your paycheck for you with certai🎀n limitations. Additionally, some may limit the valu🔥e of the checks they will cash.

PayPal

If you have a PayPal account, you can cash your check using a photo. Much like the mobile apps offered by banks, the PayPal app allows you to take a picture of each side of your check and choose when you want to receive your money. You can access your money for free within 10 days or immediately for a $5 minimum fee.

While you can use this service to deposit your check into your PayPal account, you can’t get physical cash. You'll need to transfer the money into your PayPal account electronically and then either spend or transfer it to another bank account.

Third Party

If you don’t have a bank account, run into age limits, and don’t have valid ꦜidentification to cash your check, you can endorse it to someone such as a parent. This is called a third-party check. Your parent can deposit the chec☂k into their account and then give you cash in exchange by following these steps:

1. On the back of the check, write your name
2. Under your name, the adult will write their name and relationship to you.
3. Then, the adult will write their account number, if depositing into their account

Some banks may refuse to accept endorsed third-party🎃 checks or require you to be physically present with the person cashing the check. Many check-cashing locations, su🍸ch as grocery stores, will not accept third-party checks.

Check-Cashing Service

If you don’t have a bank account but have a governme♋nt-issued ID, you might be able to cash your check at a nearby check-cashing service. These companies are often physical locations where you bring your check and walk out with cash.

You can generally cash a check at a check-cashing service even if you’re younger than 18 with identification. Like other check-cashing services, these companies require a flat-rate fee or fees that range between 1% and 10%, depending on the type of check.

The Bottom Line

Without a bank account, you may have difficulty cashing checks. Luckily, there are still some ways to get your money, 🅰including visiting the issuing bank or going to a local grocery store. Many check-cashing 🎀services have age restrictions, meaning those under 18 need a parent or guardian to accompany them.