You can check at a check-cashing outlet:  Check cashing outlets are not banks, they are financial service providers and they run on a similar business as the bank but quite majorly for persons that do not have a bank account, people who need immediate cash or those who need convenient financial services.

To cash a check at a cashing store, they will run an identity verification on you with the credentials that you will be asked to bring. When confirmed, they will instantly subtract their fee from the money and hand over the rest to you in cash unlike in banks where you have to wait for a few business days for the check to clear.

This is an advantage to someone who might be in a hurry to access the cash.

In as much as check-cashing outlets charge higher fees for the service, the charge fees vary from the evaluation of the type of check, its amount, the state, and the providers themselves.

It is also important to note that with check-cashing services, there is no insurance protection for your funds.

You can cash your check at a retailer:

   Retain chains just like the check cashing outlet provides nearly similar or almost the same services. The most popular of them all is Walmart.

You first need to visit a major retailer like Walmart and endorse the check that you wish to cash out.

You will be asked to provide an essential credential for identity verification like a passport, government ID, driver’s license, etc.

They as much as the check-cashing outlet provides these services without delay for a fee.

You can load cash onto a prepaid debit card:

     Using prepaid debit cards to deposit checks is another alternative for persons without a bank account.

There are mostly three ways of using prepaid cards which are- by setting automatic direct deposit of checks onto the card on such occasions, by manually uploading a picture of your check to the app that came with the card to load onto your card, by making your deposit at an ATM to load the funds onto the card.

This is quite an alternative to a bank account but it limits your spending capacity to only the available money that you have on the card.

It is relatively convenient and safer to use, any financial service provider that accepts its payment network can readily help you to cash out via your card.

In terms of fees, this particular option charges you for activating your card, the deposits you make, the monthly fee, and when you use the card at out-of-network ATMs.

  1. You can cash your check at the issuing bank:

   You must go to the issuing bank to cash your check because banks and credit Unions are not expected to cash checks for those who do not have an account with them.

However, most banks will cash a check by the account holder in their banks even if the receiver does not have an account with them. They do this after demanding and verifying your government-issued ID.

Nevertheless, they will still collect a percentage of the check amount from the payee for a flat rate. They can also put limits on check amounts and decline two-party personal checks if need be.

If you find trouble locating the issuing bank on the check, you can try looking the bank up by its routing number which is always at the bottom of the check.

You can sign your check to a trusted person with a bank account and have them cash the check at their bank:

  You only need to entitle your check to the trustee by signing or endorsing the check.

Banks are not usually willing to honor the option of a third party cashing the check even though it is legal.

This procedure might not be an ideal solution due to the potential risks involved and the possibility of banks having some policies against the practice but it is quite fair to try it out if you trust your payee after finding out whether it is allowed in their bank.

Conclusion 

Cashing out a check without a bank account can be an easy task as well as a difficult task depending on a range of factors.  If for some reasons like irresponsible banking behaviors, you have lost the qualification for a checking account, you can still enjoy the conveniences of a checking account with a second-chance checking account with some banks and credit Unions provide.

If at all, you should sign up for a bank account and mitigate the challenges of check loss, cash loss, not being able to cash checks due to large check amounts and other financial problems associated with trying to cash a check via any of the above options

Can you cash at any bank?

 Many would readily cash your check but that happens mostly when it is the bank that issued the actual cheque.

This is a way of saying that you can’t cash your check at every bank but several financial institutions have policies that permit you to cash out your check with them even if you don’t have an account.

The services of cashing out your check always come with a fee from any of the financial institutions that you decide to use.

What are the types of checks that can be cashed without a bank account?

 Nearly all types of checks can be cashed via banks without bank accounts such as the following checks:

Payroll

Insurance settlement

Income tax refund

Retirement disbursement

Business

Government