woman holding a check as she learns How to Cash a Check Without an ID

How to Cash a Check Without an ID [3 Legit Ways]

At some point, you may find yourself in a situation where you need to cash a check without an ID. There may be a lot of reasons for this, like your ID getting lost or you not having it on you for some reason while trying to get cash.

Whatever the circumstances, there are legitimate ways to do this. Here’s how to cash a check without an ID.

Do I Need to Have an ID to Cash a Check?

This is the first question you need to answer. Do you even need an ID to cash a check? Is it possible to do so without having an ID?

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Typically, banks require a government-issued ID in order to cash a check. To know for sure, you will need to check with your bank to see what forms of ID they accept.

That way, you’ll be prepared before trying to cash the check. When in doubt, always refer to the rules of your own bank because they can best direct you. 

Can You Cash a Check Without Your ID?

Now the big question – is it possible to do this? Some people might say no right off the bat, but there are actually ways to do this if you need to.

Mobile Banking App

The first is to take advantage of your bank’s mobile app. You may be able to deposit the check through the app without your ID being required.

Then you can withdraw the cash. However, not every bank offers this service, so it’s important to be aware of whether or not this is an option.

The best way to do something like this would be to set up your mobile app immediately when you start banking somewhere. In addition, you need to know your bank’s policies to know whether or not you can cash your check without using your ID.


Another option is to deposit the funds into your account using an ATM from your local bank. After that, you can withdraw the cash.

But something to remember with this is that the funds may not always be available right away. There could be a waiting period, so be prepared for this.

If you need the money immediately, choose a different method.

Endorse the Check Over to Someone Else

The last option requires the help of someone else. A trusted friend or family member is a good option.

You can endorse your check over to them and then have them cash it for you. They can then give you the money.

This can usually be accomplished fairly quickly, as long as the person helping you has the time to run to the bank.

But you mustn’t pick any random person to help you with this. Only someone that you trust to actually give you the money. Otherwise, you’ll have a bigger problem!

Can Someone Else Cash My Check?

Maybe you think it would be easiest to have someone else cash your check for you, saving you time and getting you the cash promptly. There are a few things you need to do in this case.

First, check with the bank that whoever is cashing the check will use, and find out their policies on cashing third-party checks. It’s best to be aware of their rules in advance and know what to expect.

If you’ve cleared it with the bank, then you can endorse the check to them. Do this easily by writing “pay to the order of” and then writing the person’s name. You can then sign the check underneath.

Remember to not take up all the room. Leave space for whoever is cashing your check to endorse it. Be mindful of where you write, as a check only has so much space.

And last, know that when you endorse the check over to someone, you are essentially granting them the rights to the money. That’s why you should only ask somebody you trust to help you out with this.

Can You Cash a Check at Walmart Without an ID?

Say you’re out running errands and realize you need to cash your check. The easiest thing to do would probably be to take it to Walmart since you might need groceries anyway, right?

No, it turns out. Walmart requires you to show a government-issued ID in order to cash a check. So while this may seem like an easy option, it could be a waste of time.

How to Plan to Cash Checks Without Your ID

If you know that this is a situation you might be in temporarily, then you should be prepared. Know what you’ll do if you need to cash checks without your ID.

Here are some steps you can take to make the process easier.

Determine How Long You’ll be Without your ID

First, figure out exactly how long you will be without your ID. Hopefully, this won’t be for very long.

But you need to know how long you’ll need to cash checks in this way so that you can make a plan. And you won’t be caught off guard.

Have a Plan of Where You’ll Cash Checks or Who You Will Endorse the Check to

Rather than wondering what you’ll do, decide in advance how you’re going to cash checks. You need to know what bank or ATM you’ll use or who you’re going to ask to endorse your checks (and already have informed them).

If your plan is set, then you won’t need to worry about it. And you’ll know approximately how long it will take you to get cash, which moves into paying bills and knowing how much money is in your account.

Try to Quickly Find or Replace Your ID, So You Aren’t in This Situation for More Than a Few Days

This isn’t the ideal situation to be in. So the best thing to do is get through it as quickly as possible.

You need your ID for a lot of things, so you should make plans to quickly replace it or find it if it’s lost. You don’t want to do without it for more than a few days if you can help it.

So be sure to do whatever you need to do to replace your ID, or check everywhere until you find it.

Advice for Asking Someone to Cash a Check for You

If you find yourself in a situation where you need to ask a friend or family member to cash a check for you, then know that there are a few guidelines you should follow.

Be Polite

This person is doing a favor for you, so it’s important that you ask in a polite way. After all, this person is taking their time to help you out.

When you ask, make sure to say please, and explain the situation. Also, let them know that this isn’t going to be a regular thing.

Adhere to Their Schedule

Since they are the ones cashing the check for you, you need to stick with whatever they have going on in their schedule. So if they can only cash your check at 7 am on Friday or Saturday afternoon, that’s fine.

Remember that they are the ones helping you out, and be willing to rearrange your own schedule to accommodate them.

Thank Them for Helping

This should go without anyone saying, but be sure to thank this person for helping you. After you receive the funds, let them know that you appreciate their help. A thank you note goes a long way, too.

Cashing a Check Without an ID Can be More Difficult, but These are 3 Legit Ways That You Can Get Cash Without an ID. 

You might have thought that it would be difficult, but actually, cashing a check without an ID can be fairly easy. You simply need to think outside the box a little.

So your best bets in this situation are going to be using an ATM, using a banking app, or asking a friend. Any of these methods will work fairly well and can get you your money quickly.

But it’s also good to remember that not having your ID is not an ideal situation. You should do all you can to find or replace it as quickly as possible, not just for this situation but for the many others that require you to have your ID. 

Above all, remember that if you endorse your check to someone and they cash it for you, you should always be polite, be willing to adhere to their schedule, and thank them for helping you. It’s a nice thing to do, and helping someone with this is optional, so remember your manners.

To simplify, you might also consider using direct deposits for your paychecks, as well as payment apps like PayPal and Venmo. That way, you don’t need to worry about cashing checks so frequently in the future.

Plus, it can just make the whole process of receiving money a lot easier. So yes, you can cash a check without an ID. But it isn’t an ideal situation.

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