how to cash a check without id

A cheque may only be cashed if the individual presenting it possesses identification. Banks are required by the Federal Deposit Insurance Corporation to establish an identity verification procedure. You may be able to cash a check even if you don’t have identification.

Acceptable forms of identification

You will need an ID form from the government to cash a check and show your driver’s license or a state-issued identification if you don’t have one.

You can sometimes use a passport or military ID to identify yourself, but that depends on the bank. Different policies might apply to different banks. Some banks won’t accept any ID issued by the government.

For example, ID forms such as foreign licenses and out-of-state IDs may not be accepted. Two forms of identification may be required, the first being often a utility bill or credit card.

Cash a check without an ID and without a bank account

It’s not unusual to see people without a valid ID form. The Brennan Center conducted a survey that found that more than 21,000,000 Americans do not have an ID form with a photograph issued by the government. Other cases include people who have lost or stolen their IDs.

To cash a check, you will need an ID. You should have it on hand. Should contact your bank to find out which one they use. You can also ask your bank if they will accept a specific document as ID.

You don’t need an ID to cash a check, so you don’t have to be worried.

How do I cash your check without an ID

A valid ID is not required to cash a check.

To cash a check, for example, use a mobile app. Link your bank account or prepaid accounts to the app.

It all depends on the app you choose.

You can give the check to someone you trust. The original payee must also provide a photo ID.

You can cash your check without ID if you are:

  • Transfer it
  • ATM cashing is available at your bank
  • You can deposit it in your account by using an ATM at a bank.

Without a photo ID, you cannot withdraw or deposit money

Even if you don’t have the ID document required, you can still deposit the check into your account.

You can deposit a cashier’s check, and your funds will be available within 24 hours. TD Bank will also allow you to access $100 of your first deposit.

ATM Check Cashing Without an ID

Automated teller machines are often a blessing as they allow you to deposit cash and allow cash checks.

If you have a Regions Bank checking, prepaid, or debit card, you can deposit your check and cash it at an ATM. All remaining funds will be available to your checking account.

Cashing your check doesn’t require identification. Always have your debit card handy.

Signing the check over

Signing the check to someone else will allow you to cash it without ID. Next, add the name and contact information of the person you trust.

Here is where you’ll sign the check.


If you don’t have a valid ID, you may feel panicked. You may feel panicked if you don’t have an ID.

This is through signing the check to someone making a withdrawal or deposit or even cashing checks at an ATM.


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I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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