How to cash a check without ID?

How can I cash a check without ID?

You can cash a check without ID. To cash a check, deposit your check via ATM or Mobile app deposits. Once the check has been deposited, withdraw the cash from an ATM. Alternatively, you may endorse a check over to someone else to cash for you.

Imagine, being able to cash that check even though you lost your driver’s license. You don’t have an acceptable form of identification, so how are you going to get your money?

Don’t worry, it is possible to cash a check without an identification.

Luckily for you, I’ll show you that it is possible to cash a check without ID. I’ll show you how to cash a check and what forms of identification are accepted by banks. You’ll have access to your money in no time!

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Can you cash a check without ID?

It is possible to cash a check without an ID. To cash a check without an ID, you can deposit the check via ATM or Mobile app deposits. Once the check has been deposited, you can withdraw the cash equivalent. Alternatively, you can endorse the check to a third party to cash for you.

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. You’ll 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.

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

The steps include:

  1. Endorse the check by signing the back.
  2. Use your Debit or Bank card at the ATM.
  3. Enter your PIN number.
  4. Select Deposit, Checking or Savings, and then select check deposit.
  5. 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: 

  1. Write “Pay to the order of” and the person’s name on the back of the check.
  2. Sign the back of the check yourself.

What are acceptable forms of ID to cash a check?

Acceptable forms of ID to cash a check include driver’s license, school ID, Military ID, and Passport. Call your bank if you are unsure if a certain form of identification is acceptable for cashing a check.

Can someone else cash my check?

Someone else can cash your check if you endorse the check to them. Simply write “Pay to the order of” and the person’s name and sign the back of the check. By endorsing the check, you are giving your rights to the check away to the third party.

For example, you have a check that needs to be cashed. Unfortunately, you have been unable to get to the bank. However, your mom is going to the bank later today and could cash the check for you.

On the back of the check, you write “Pay to the order of ‘Mom’s name’” and sign your name. Your mom is then able to take the check and cash it, because technically, your mom now owns the check.

Summary: How to cash a check without identification

As you can see, it is possible to cash a check without identification. The best methods include ATM or mobile app deposits. Once the check has been deposited, you can withdraw the cash from your bank account.

Alternatively, you can endorse the check to a trusted third party. Endorsing a check signs your rights away to the check and transfers the rights to someone else. Therefore, the third party can then cash the check.

Acceptable forms of identification for cashing a check include Passport, Driver’s license, school and military ID. You may have other forms of acceptable identification, but verify with the bank before you show up.