How to cash cheques without a bank account

Written by louise balle
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How to cash cheques without a bank account
. (Michael Flippo/iStock/Getty Images)

When you don't have a bank account, receiving a cheque as payment, whether it's a personal, business or traveller's cheque, can be a challenge. If this is your situation, you'll likely have to establish a relationship with a reputable cheque-cashing business. Keep in mind cheque and money-order scams have caused cheque-cashing locations to become more strict about the process of cashing a cheque. In fact, cheque-cashing scams were the top form of fraud reported in 2009. To avoid issues, go prepared with the proper identification and information.

Things you need

  • ID

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  1. 1

    Examine the cheque carefully to ensure it isn't fraudulent before visiting a cheque-cashing location. Call to verify a legitimate company issued the cheque.

  2. 2

    Bring your identification and the valid cheque to a cheque-cashing location. Be prepared to pay a fee, which varies depending on the service. The address on the cheque might have to match the address on your identification.

  3. 3

    Present your identification, and sign the back of the cheque where designated. Pose for a photograph, which many cheque-cashing locations require to cash a cheque from a new customer. You'll receive the cash amount minus fees.

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