Where To Cash a Cashier’s Check With and Without a Bank Account

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Where to Cash a Cashier’s Check With and Without a Bank Account

In accordance with the 2019 survey from the Federal Deposit Insurance Corp, approximately 7.1 million households in the United States do not have a checking or savings account with a bank or credit union.

So it is common to have questions like “Where can I cash a cashier’s check without a bank account?”

Well, the truth is cashing a cashier’s check without a bank account can be a bit difficult, but not unachievable.

However, it could cost money and can even be riskier than cashing a cashier’s check with a bank account.

Anyway, there are several places where you can cash a cashier’s check, including the bank of issuance, retailer, or check-cashing store.

Keep reading to find out more about cashier checks and where to cash them with or without a bank account.

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What is a Cashier’s Check?

A cashier’s check is, of course, one that the bank issues directly. It is sometimes referred to as a bank check or an official check.

It is presumably more secure than personal checks for sending large sums of money that call for a high level of security. 

The fact that a cashier’s check never bounces or fails is by far its greatest benefit. And it clears more quickly than a standard personal check.

How Do I Cash a Cashier’s Check?

Basically, cashing a cashier’s check is no biggie, especially when you have a bank account.

The only thing you need to do is cash it at your own bank, where you have a checking or savings account.

Although this method is simple and quick to follow, the bank may need a valid form of identification before proceeding.

Typically, this money becomes yours legally 2 to 7 days after clearing with the bank that issued it.

However, in recent times, cashing a cashier’s check has become difficult due to very common fraudulent activities.

But if you don’t have an account, cashing an official check can be a bit difficult.

However, there are still several options to explore, such as cashing at retailers’ stores or getting a prepaid debit card.

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When Can I Use a Cashier’s Check?

Bank checks, also known as cashier checks, can be useful for both large and medium transactions.

Nevertheless, it is often used for transactions with a high-security risk level.

For instance, if you are making a large transaction, the seller will most likely want some assurance that the check will not bounce.

Cash payments are an option, but they are inconvenient for everyone, especially if you won’t be meeting the seller in person.

In this case, the best option is to use the cashier’s checks for ease of transaction.

Where to Cash a Cashier’s Check With a Bank Account?

A cashier’s check can be cashed in the same way as any other check: by visiting your local bank, where you could have a checking or savings account and have the money deposited there.

This is the first and ideal option to explore while looking to cash a cashier’s check.

You should be able to promptly cash the cheque at the bank that issued it.

The process is identical to that of endorsing a standard check, except a bank will most likely want to see your identity for this type of transaction.

The check will be placed into your account, and it usually takes two to seven days for it to be cleared by the issuing bank.

Where Can I Cash a Cashier’s Check Without a Bank Account?

Even if you don’t have a bank account, you could still be able to cash a cashier’s check. Some banks, although not all, will charge a fee to issue a cashier’s check to a non-customer.

To find out if a financial institution will assist you, you’ll need to call around.

Here, we examine how to obtain a cashier’s check without a bank account as well as your backup plans in the event that you are unable to.

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#1. Visit the Bank of Issuance

It is uncommon for banks to cash checks for noncustomers; however, some banks make exceptions, especially if it is the bank of issuance and the issuer is an account holder.

Additionally, the bank often requests a government-issued photo ID, like a driver’s license, before cashing a check to the payee.

Additionally, the payee should prepare to pay a fixed charge or a proportion of the check’s value, like 1%.

That has a cumulative effect. For instance, if you receive a paycheck every two weeks for 52 weeks in a year and it costs you $8 to cash it at a regular bank where you don’t have an account, your annual check-cashing expenses will be $416.

#2. Go to Retailers Store

Most likely, a Walmart is not far from where you live, and the large shop cashes checks rather inexpensively — certainly less expensively than some major banks.

Go to Walmart to cash a check if you don’t have access to a bank. It is an easy system. Up to $4 and up to $8, respectively, will be charged for all printed checks up to $1,000.

In comparison to check cashers that may charge a percentage plus a fee, the rates are quite fair for any check amount.

Additionally, for a maximum cost of $6, Walmart will cash two-party personal checks up to $200.

Please remember that Walmart does not cash handwritten checks, but it cashes other types of checks.

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#3. Cash Money into a Prepaid Debit Card

Prepaid cards are occasionally used by customers who don’t have bank accounts to deposit checks and access their money.

Like debit cards for checking accounts, prepaid cards are widely used.

The amount of money that is currently loaded onto the card determines how much you may spend.

Check cashing alternatives for prepaid cards vary. You may set up direct deposit on some prepaid cards so that checks are automatically put onto the card.

Alternatively, you might be able to load money onto the card by depositing your check at an ATM.

However, the limitation of this method is the reload fee which could be as steep as $5.95 to add money to a green dot prepaid visa card.

Additionally, Green Dot costs $3 for ATM withdrawals and 50 cents for balance inquiries.

Also, there is a $7.95 fee for each month if the card doesn’t have at least $1,000 put on it.

#4. Sign Check Over to Someone You Trust

Another option for cashing a cashier’s check without a bank account is to sign it over to a third party.

However, unless it is someone you trust, this strategy is not frequently advised.

In this case, you give the person who has a bank account your signed check and ask them to check it for you.

To be safe, it’s best to go to the bank with a trusted friend or family and bring your government-issued ID in case the teller asks for it or has other questions.

Additionally, keep in mind that your friend will pay a check cashing charge that varies according to the amount being cashed.

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#5. Visit a Check-Cashing Outlet

The most costly venues to cash checks are definitely check-cashing establishments.

Some of them demand that clients sign up as “members” or purchase check-cashing ID cards before they can cash their checks.

A first-time usage fee could be added to the membership cost.

Check cashers commonly charge between 1 and 4 percent of the check’s face value.

Some providers additionally charge a flat fee on top of the percentage. Payroll and government benefits checks are the most common types of checks cashed.

In addition to being outrageously costly, check-cashing businesses run the danger of using dishonest tactics.

The Better Business Bureau, for example, warns customers of a scam in which clients of a check-cashing establishment are contacted by someone claiming to represent the company.

The caller offers the client a loan and asks for money to guarantee the deal. Of course, the loan never materializes, and the check-cashing customer is duped out of their money.

What are the Risks of Using Cashier Checks?

A measure of security is provided by the cashier’s checks, which are guaranteed not to fail or bounce back when cashed.

This form of transaction involves minimal to no risk.

The security feature written on cashier’s checks is one obvious way it guards against potential fraud.

There have been incidents of fraud, though, in which a victim receives a cashier’s check in the mail from an unknown party who then requests some of the money returned.

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Common Queries on Where to Cash a Cashier’s Check With or Without a Bank Account

#1. Can You Get a Cashier’s Check Without a Checking Account?

Yes, you can get a cashier’s check without a checking account. However, it could be a bit difficult.

When you request a cashier’s check, the bank checks the amount on your bank account, debits your account, and deposits it to the bank’s account before issuing you a check for the debited amount.

So, if you don’t have an account with the bank, this process can be a bit difficult. Although some banks actually sell cashier’s checks to non-customers.

However, you will have to pay a certain amount as a service charge and also pay for the amount in the cashier’s check in cash.

#2. Can You Deposit a Cashier’s Check into Someone Else’s Account?

Yes, you can deposit a cashier’s check into someone else’s account.

However, this is not advisable unless it is someone you trust.

Furthermore, to deposit a cashier’s check in someone’s account, it must be endorsed as a third-party check. Ensure that both the payer and the payee are both comfortable with the plan.

#3. Can You Cash a Cashier’s Check Immediately?

Unfortunately, you cannot cash a cashier’s check immediately, especially if you are cashing from the bank.

Although you can kick start the process immediately however it takes about 2-7 days for the amount to reflect in your account and become yours officially.

Consequently, if you are cashing the cashier’s check using the other options mentioned above, like the retailers or the cash checking outlet, then the duration depends on the platform you are using. So be sure to ask.

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#4. Can You Get a Cashier’s Check Using a Savings Account?

Yes, you can get a cashier’s check using a savings account. Typically, a savings account is a deposit account and can be used effectively.

FAQs on Where to Cash a Cashier Check Without a Bank Account

what if your cashier's check is stolen or lost?

One of the advantages of a cashier’s check is that only the person it is issued to can cash the check, and the name on the government-issued identification must correspond to the name on the cashier’s check.

where can I get a cashiers check?

A cashier’s check can be simply obtained by going to the bank where you have an account and asking for one.

The amount on the check is determined by how much money is in your bank account and how much is being requested.

Can I cash a cashier check at the Atm?

Yes, you can use an ATM to cash a cashier’s check. Simply insert your ATM card, and then choose the “Deposit” option.

Ensure this transaction is performed with the bank involved.


Now that you are aware of how cashier’s checks operate and how simple it is to cash one both with and without a bank account, you surely won’t find it challenging to cash your checks in the future.

Additionally, constantly be on the lookout for fraudulent activity involving cashier’s check transactions and use extreme caution to avoid falling for their schemes.


  • Usnews – How to cash a check without a bank account
  • Nearside – How to Get a Cashier’s Check Without a Bank Account
  • Bankrate – 5 ways to cash a check without a bank account


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