How to cash a federal income tax refund without a bank account

Written by leonardo r. grabkowski
  • Share
  • Tweet
  • Share
  • Pin
  • Email
How to cash a federal income tax refund without a bank account
(Creatas/Creatas/Getty Images)

The IRS offers two options for receiving a federal income-tax refund. The first option is direct deposit. This method is preferred because you receive your refund faster. The second method is check. Getting your IRS refund in the form of a paper check takes slightly longer than direct deposit. Additionally, you won't be able to cash it at a bank unless you have an account. However, there are a number of check-cashing agencies that can assist you in cashing your federal income-tax refund check, even if you don't have a bank account.

Skill level:

Things you need

  • Photo ID

Show MoreHide


  1. 1

    Contact three to five check-cashing agencies in your area. You can find the listings in your local phone book or classified ads. There are several large chains, such as Ace. Additionally, some large retailers, such as Walmart, offer a check-cashing service.

  2. 2

    Inquire about the fee. Most check-chasing agencies do not charge a flat rate. Instead, they charge a fee based on a percentage of your check. Compare the different agencies to find the lowest fee.

  3. 3

    Determine the amount of the fee. This helps you determine how much cash you'll receive. If the fee is five per cent, multiply the dollar amount of the check by five per cent (.005). The result is the amount that will come out of your check to pay the check-cashing fee.

  4. 4

    Visit the check-cashing agency of your choice. Bring photo identification, such as a state ID or driver's license. Sign the back of the check and visit with a representative to cash it. Count your money before leaving to make sure the amount is correct.

Tips and warnings

  • Your best option for cashing a federal-income tax refund check is opening a bank account. The large fees charged by check-cashing agencies can take a considerable amount of your money.

Don't Miss


  • All types
  • Articles
  • Slideshows
  • Videos
  • Most relevant
  • Most popular
  • Most recent

No articles available

No slideshows available

No videos available

By using the site, you consent to the use of cookies. For more information, please see our Cookie policy.