Ask about any fees for cashing the check and less expensive options for getting your money.

You can even cash a money order.

If the check is a fake, you will be responsible for reimbursing your bank. Cashing a check online is one of the easiest ways for most people to cash a check without going to a bank, check cashing store, or supermarket.

For the check to be valid, it must contain the signature of the owner of the account from which the funds will be withdrawn. Find a bank's check-depositing apps in app stores compatible with your device: for iPhone, search the Apple App Store; for Android, find on Google Play; for Windows phones, check for apps by your bank in the Windows application store. For a small fee, you can also cash a check via digital payment sites like Venmo and PayPal, as you have set up an account and/or a mobile app. Contact information for the person who wrote you the check, so you can reach them if you have trouble cashing it. Check with the issuing bank to confirm that the person writing the check has an account with funds available to cover it. Some of these places also let you cash other forms of payments. Include your email address to get a message when this question is answered.

Simply take a picture of the front and back of the check and download the check to the online payment service's mobile app. Call a …

An "order" check is payable only to the person named on the check. Present current identification to the bank teller or the person cashing your check.

Online cashing is done without any extra fee but has some deposit … For more tips, like how to cash a check without a bank account, read on! PayPal You do not surrender the actual check to the bank. The name of a legitimate bank where the check is being drawn from.

If you don’t have a bank account, there are several alternatives described below.

If there is more than one payee — e.g., “Pay to the order of Jackson. Can I endorse a check to someone else, so they can deposit it? The only way to know is to deposit it and see if it successfully clears. No. That may not be the case at the bank that issued the check, or at check-cashing service centers, which usually do charge a fee. The numerical amount box is located below the date. The service is 100% free and there are no fees.

The correct first and last name and address of the person giving you the check.

Retain the physical check for two weeks after the check has been processed in case the bank has questions, then if you wish, destroy the check.

Essentially, you take a picture of the front and back of your endorsed check using your smartphone or tablet and upload the photos to your bank, thereby effecting a remote "cashing" of your check.

The date written on the check is the first date on which the funds may be withdrawn.

References. Government-issued and payroll checks are easier to cash than personal checks at most grocery stores.

Typically, you can only use an ATM to deposit a check made out to your name. wikiHow is where trusted research and expert knowledge come together.

When you learn how to cash a check, you open up new opportunities to get quick and easy access to money. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow.

If you're simply depositing the check, you can have the bank or financial institution's customer service representative deposit it straight into your account. Then, insert the check into the deposit slot and confirm the amount on the check.

If there are no fees, or the fees are agreeable to you, present the check for cashing.

Check whether your bank offers a downloadable mobile check application you can use on your smartphone or tablet. You can also cash a check online or mobile, either through your own bank (most banks allow you to deposit checks online, although the check proceeds won't be available until the next business day. In most cases, though, cashing a check is done with the intent to exchange the signed check for the cash value listed on the front of the check. In the United States, the IRS will only audit documents from the last three years, or seven years if it suspects serious fraud. Insert the check into the check deposit slot.



For a two-party personal check, the limit is $200 and the max fee is $6. If the bank on which the check is drawn refuses to pay your bank — in other words, the check “bounces” — your bank will reimburse itself from your bank account.

Endorse the check, then take clear, well-lit photographs of its front and back sides. Knowing how to make sure a check is valid, and how to cash it safely and inexpensively, will help you get your money as quickly as possible. We use cookies to make wikiHow great. Most of these services allow you to cash a check online using their mobile application. Keep larger deposit slips and business-related slips for a few years in case of a tax audit. However, a check can be deposited into a joint account with only one of the joint owners signing it. A grocery store, like Publix and Safeway.

Their mobile app is available on both the App Store and Google Play. Fees at check cashing and payday loan outlets are much higher than at banks and retailers. Another way to cash the check is through online. How long does a check take to clear once it's cashed?

Once the app is downloaded, follow the protocol specified by your bank. Payday loan centers, for example, charge up to 10% of the check's amount. No, but you may need to show a picture ID.

Contact the bank branch with any questions about their I.D. According to Consumer Reports, you can expect the bank to hold mobile-deposited funds from one to 10 business days before they are available to your account. If you're depositing a check at an online payment vendor like PayPal, your check payment may take up to three days to clear. You'll have to pay a fee to do this, but you can start an account at that bank to avoid that. No, if you don't have an account with the bank and the person who wrote the check doesn't have an account there, they will often refuse to cash the check. I have no account to deposit my check. You must cash the check in person with a bank teller (not at the ATM) if you are not an account holder there. If you don't have a bank account or prefer to transfer the check's funds into your PayPal account, you can also download PayPal's mobile check capture app, which works similarly to bank apps in that you take a photo of the front and back of a check. Go to your financial institution (usually a bank or credit union) and complete a deposit slip (if required) and ask if there are any fees associated with your cashing the check.

You can deposit checks and withdraw money at any ATM that accepts Visa debit cards. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. Expect a deposited check to take at least one business day to clear before the cash is available to you. You will need to present I.D. Once that review is complete, start the check cashing process: Sign the check (banks call that "endorsing" the check) on the top back of the check designated for the recipient's signature. https://www.nerdwallet.com/blog/banking/cash-check-paying-high-fees/, http://money.usnews.com/money/blogs/my-money/2012/09/28/how-to-cash-a-check-without-a-bank-account-, http://www.consumerfinance.gov/askcfpb/931/can-i-cash-check-any-bank-or-credit-union.html, http://www.consumerfinance.gov/askcfpb/939/i-received-check-and-tried-cash-it-bankcredit-union-holds-account-which-check-was-written-bankcredit-union-wouldnt-cash-check-because-they-said-account-did-not-have-enough-money-can-bank-or-credit-union-do.html, http://www.consumerfinance.gov/askcfpb/937/i-received-check-and-tried-cash-it-bankcredit-union-that-holds-account-which-check-is-written-bankcredit-union-charged-me-fee-cashing-check-can-bankcredit-union-do.html, http://usa.visa.com/personal/personal-cards/prepaid-cards/payroll-card/faq.jsp, http://money.usnews.com/money/blogs/my-money/2015/02/20/how-to-cash-a-check-without-a-bank-account, https://www.bankrate.com/banking/checking/how-to-cash-a-check-without-a-bank-account/, https://www.youtube.com/watch?v=jSE6RwPOlNM, https://www.fdic.gov/consumers/consumer/news/cnwin0607/scams.html, http://www.consumerreports.org/cro/money/consumer-protection/counterfeit-currency-and-checks/overview/index.htm, http://www.investopedia.com/university/banking/banking3.asp, http://www.consumerfinance.gov/askcfpb/945/i-received-check-where-words-and-numbers-amount-are-different-check-valid-and-how-much.html, http://www.consumerfinance.gov/askcfpb/943/i-received-check-someone-forgot-sign-can-i-still-cash-it.html, http://www.consumerfinance.gov/askcfpb/941/i-received-check-payable-both-my-spouse-and-myself-do-both-us-have-sign-back-check.html, http://www.lawyerment.com/library/kb/Banking_and_Finance/Banking/Current_Account/1388.htm, consider supporting our work with a contribution to wikiHow.

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You can turn the check into cash at a cash-checking service, or at the bank that issued the check. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. Ways To Cash a Check Online. Some states in the U.S. have laws that require banks to cash checks drawn on their accounts without charging a fee.

The check will either be returned as having insufficient funds and the amount will be withdrawn from the account in which you deposited it, or the issuing bank will cover the check and charge the person who wrote the check a fee.

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