Can You Cash A Check At An ATM | How to Cash a Check without a Bank Account at ATM
Can You Cash A Check At An ATM | How to Cash a Check without a Bank Account at ATM. You can deposit a check (and even cash) into certain ATMs any time of day or night. When most people receive a check, they deposit it in their bank account, cash it at their bank, or show their ID and cash it at the bank that issued the check.
It’s possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store. Cashing a check means you’ll get cash in hand. You walk away with the full amount of the payment and can spend that money immediately.
The type of check you’re trying to cash makes a difference. Banks only have a requirement to make the first $200 or so available to you within one business day for a personal or commercial check. Depending on your bank’s policies, other checks may also qualify, such as cashier’s checks, payroll checks from local employers, and payments from insurance companies.
Can I cash a check without ID?
Most banks require your ID be presented before they cash a check, but there’s no standard list for what’s considered an acceptable form of ID. Check with your bank or the bank that issued the check to see if you have a document that they’ll accept as ID.
Cashing a Check at an ATM | How to deposit a check at an ATM
Not every ATM will enable this option, though; some will only allow you to deposit the check and some don’t offer check deposits at all. If your ATM allows this option, just bring your check, your bank card, and a pen (to endorse the check) to the machine and follow the prompts on the screen.
1. Locate an ATM for the deposit
If your bank has an ATM nearby, and it accepts deposits, you’ll naturally want to use that one. This may help you avoid fees and delays with accessing your money once it’s deposited. If you’re in a different neighborhood or out of town, you may still be able to deposit checks in an ATM. Make sure the ATM takes your type of bank card and that it accepts deposits. Also try choosing an ATM that’s in your bank’s network.
2. Be prepared with all necessary information:
When you’re ready to make your deposit, gather all of the items you’ll need. Bring your bank debit card and (memorized) PIN, your signed check (or cash), a filled-out bank envelope (only if the ATM requires one) and a pen in case you need to fill out anything else. You’ll be well organized, and other customers waiting in line will thank you.
3. Follow the instructions below carefully.
Each ATM works a little differently, but the instructions on the screen will guide you from one step to the next. Some ATMs ask you to insert and quickly remove your card while others ask you to leave it in until your transaction is complete.
- Insert your card and enter your PIN.
- Choose the “Deposit” option.
- Select which account you’d like the money to go to (usually savings or checking).
- Type in the amount of money you’re depositing and insert your check. If the ATM can read checks, you won’t even need to enter the amount.
- Confirm the dollar amount you see on screen.
- Answer any remaining questions, take your receipt and make sure you have your bank card before walking or driving away.
4. When will your ATM Check deposit be available
Some cash deposits might be available right away. As for checks, not all banks follow the same schedule, but you can usually withdraw or use the full amount in two business days or less. Making a deposit at an ATM owned by someone other than your bank may also delay your access. So, be sure to give yourself enough time so that your money is there when you need it.
Cashing the Check at Your Own Bank
Your own bank or credit union may be a good option for cashing a check, assuming that:
- The check was written for less than $200 or it’s a government-issued check.
- You don’t want to pay fees.
- You don’t have concerns about the check bouncing or being returned because the check writer doesn’t have enough money to cover the check.
Visit the Check-Writer’s Bank to cash the check
The safest and fastest way to get cash is to take your check to the check writer’s bank. That’s the bank or credit union that holds the check writer’s funds, and you can get the money out of the check writer’s account and into your hands instantly at that bank. If you go to any other bank, you can’t be completely certain that the check is good and the funds are in the check writer’s account. If you don’t have an account at that bank, you may need to pay a modest fee of a few dollars to get the check cashed. You might even find that the bank refuses to cash the check for you because you’re not a customer.
How to cash a check without a bank account
All of these options below will have fees and may be time-consuming. It’s possible to cash a check without a bank account, but it’s not as convenient and you’ll pay some fees. Save yourself money and time and open a bank checking account. Once you have a checking account, you can probably get direct deposit.
- Cash the check at a check-cashing store.
- Deposit at an ATM onto a pre-paid card account or checkless debit card account.
- Cash it at the issuing bank (this is the bank name that is pre-printed on the check)
- Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.)
Cashing Your Check At Retailers And Check-Cashing Stores
Check-cashing outlets are another option for cashing personal checks; these businesses are generally open later than the bank and will cash larger checks than a retailer will. For example, Kmart is unique in that it lets you cash personal checks up to $500, and charges no fee at all in some states and only $1 in others.
Big-box stores, grocery stores, and convenience stores often cash checks for a modest fee—usually a few dollars. They usually cap the personal checks they’ll cash at $50 or $100.
Retailers That Offer Check Cashing Services
The list of some grocery stores, retailers and stores that focus on financial services that offer check cashing services for a fee are:
- Kroger
- Food Lion
- Money Services
- Advantage Cash Express
- Publix
- Check Cashing Stores
- MoneyGram
- Ace Cash Express
- Walmart
- Jewel Osco
- PLS Check Cashers.
What ATMs Allow Check Cashing?
Your best bet to cash a check will be going to an ATM with which you have a bank account, especially with major banks or credit unions. Below are some of the bank ATMs that allow for people to deposit checks or cash a check at an ATM:
- TCF Bank
- Citigroup.
- Wells Fargo ATM
- US Bank
- JP Morgan Chase
- Bank of America.
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