Millions of Americans live without a traditional bank account, but that does not mean you are stuck without access to your money. If you are unbanked, there are still reliable, legal ways to cash checks and get paid without opening a bank account.
This guide explains how check cashing works for unbanked individuals, which options are safest, what fees to expect, and how to avoid common mistakes.
What Does It Mean to Be Unbanked?
An unbanked individual does not have a checking or savings account at a bank or credit union. This can happen for many reasons, including past overdraft issues, account fees, lack of required documentation, or simply choosing not to use traditional banks.
Being unbanked does not prevent you from cashing checks, but it does change where and how you can do it.
Best Places to Cash Checks Without a Bank Account
If you do not have a bank account, these are the most common and reliable ways to cash a check.
Grocery Stores and Retailers
Many grocery stores and big retailers offer check cashing at the customer service desk. These locations often have lower fees than standalone check cashing stores.
Most stores require a valid government-issued photo ID and typically accept payroll and government checks.
Check Cashing Stores
Dedicated check cashing businesses specialize in serving unbanked customers. They usually offer fast service and broader check acceptance, but fees are often higher.
These locations often cash payroll, government, insurance, and settlement checks.
Mobile Check Cashing Apps
Several mobile apps allow you to deposit or cash checks without a traditional bank account. Funds are usually loaded onto a prepaid card or app balance.
You can explore your options in our guide to mobile check cashing apps.
What Types of Checks Can Unbanked Individuals Cash?
Acceptance varies by provider, but unbanked individuals can often cash:
- Payroll checks
- Government checks (Social Security, tax refunds)
- Insurance checks
- Cashier’s checks
Personal checks and third-party checks are more restricted. Learn more in our guide to different types of checks.
Fees to Expect When Cashing Checks
Unbanked check cashing fees depend on where you go and the type of check. Common fee structures include:
- Flat fees (for example, $3–$8 per check)
- Percentage fees (often 1%–4% of the check amount)
Retail stores tend to be cheaper than dedicated check cashing locations. For a full breakdown, see check cashing fees explained.
How to Cash a Check If You Are Unbanked
- Make sure the check is properly endorsed.
- Bring a valid government-issued photo ID.
- Visit a retailer, check cashing store, or app that accepts your check type.
- Confirm the fee and payout amount before completing the transaction.
- Receive your cash or funds on a prepaid card.
If you are unsure how to endorse your check correctly, review our check endorsement guide.
Safer Alternatives to Traditional Check Cashing
If high fees are a concern, consider these alternatives:
- Prepaid debit cards with mobile deposit features
- Employer direct deposit to a prepaid card
- Low-fee online deposit services
We cover these options in detail in our guide to alternatives to check cashing.
Bottom Line
Being unbanked does not mean you are stuck paying extreme fees or struggling to access your money. With grocery stores, check cashing locations, and mobile apps, there are multiple safe ways to cash checks without a bank account.
Understanding your options, fees, and check types helps you choose the fastest and most affordable solution for your situation.