The best option is to cash a check at your bank or credit union. You will need the third-party check, a valid ID, and your bank account details on hand to cash it. How To Cash A Third Party Check Without ID | Things you Need to Know Using Secondary IDs to cash a 3rd party check Cashing It from the Drawn Bank Cashing It From Bank where you hold an Account Deposit The Check using your bank ATM Using the check cashing apps Using your bank's mobile banking app Conclusion FAQS We are able to present this information to you free of charge because some of the companies featured on our site compensate us. Many people dont cash third-party checks because they are afraid of getting into trouble for cashing the wrong kind of check, but there are benefits to doing so that may outweigh the risk. Yes, you can cash a third-party check at certain stores, even without an ID. Simply insert it into the machine and type in your PIN. Using a third party is the most appropriate way to cash your check without having valid ID proof. Go to the Money Center in your local store to do so. The first way to cash a check is to use an ATM. Some checks have instructions printed directly on them that say the check is void after 90 days. Like banks, many credit unions will cash third-party checks for members and non-members. Verify the check amount and withdraw the cash. A debit card can help you cash a check without ID. Now that you have a good understanding of what is a third-party check, lets look at how it compares to a traditional second-party check. That said, you should probably just save yourself some time and money by opening a bank account. The new check recipient must sign their name and endorse the check. Compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. They may not accept third-party checks, which is a disadvantage if you are trying to pay with them when you receivedebit card declinednotices. Some states will even allow you to start the application online so you can expedite the in-person process. This site is for informational purposes only and does not provide legal advice or financial advice. On top of that, bank tellers usually get paid hourly, so each transaction can take longer, which means lower productivity overall for them and an increased chance for mistakes due to fatigue over time. Aside from banks and credit unions, some check cashing stores will cash many checks, including third-party checks. Places that do not cash 3rd party checks: Walmart does not cash personal third-party checks. Although the surest way of depositing a 3rd-party check successfully is to visit your bank in person, you can also deposit these checks at your credit union. Check cashing stores are usually open longer than banks and credit unions. To cash the third-party check without the other person, you will also have to cash it at a financial institution with which you have a relationship. Thats why its important to read the instructions on the back of the check before attempting to cash it. However, other places will cash them as well.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'bucksandcents_com-leader-1','ezslot_18',135,'0','0'])};__ez_fad_position('div-gpt-ad-bucksandcents_com-leader-1-0'); *Calling ahead to these stores and checking with a check cashing service is highly recommended, so you dont make a wasted trip. Next, endorse the back of the check with your signature and put it into the ATMs check deposit slot. If you have a family member or close friend who is willing to write a check for you, get a hold of their bank or credit union. Each bank and credit union has their own acceptable ID forms and unique rules for cashing a check. Thank you for your support! You can see Walmart check cashing detailshere. Its also beneficial when someone who owes you money sends payment via mail this way, there is less chance for fraud than using services like Venmo or PayPal, where sending cash without knowing the person could be dangerous.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'bucksandcents_com-medrectangle-4','ezslot_7',131,'0','0'])};__ez_fad_position('div-gpt-ad-bucksandcents_com-medrectangle-4-0'); Businesses that cash third-party checks may end up with a lot more paperwork because it needs to be entered into QuickBooks or other accounting software. 11 Best Alternatives to Traditional Banks, Best 5% Interest Savings Accounts of April 2023, How to Cash a Check Without a Bank Account, Employment ID, ID employment photo, or employment authorization photo ID. You might have to find an alternative way to cash any amount beyond the limit of ATM check cashing. Our #1 priority is you, our reader. But consider them short-term solutions. Pay to the order of followed by your name. Another option is to go online and get a money order. Some employers require that the jury duty pay be returned to the employer since the employer is paying the days wages for the employee even though they are absent from work. Then you can withdraw the money from your account if you need cash. The Check Cashing Store (case by case basis), Bank Of America *Requires identification* (though not always), Wells Fargo *Requires Personal Info & Photo ID*, Chase Bank *Require personal info and photo ID for all transactions over $100*, Capital One *Requires personal info and photo ID*, Jupiter Bank *Requires identification if not current customer or depositor with Jupiter*, SunTrust Banking Center *Requires identification if not a current customer, You can have your stimulus checks sent to PayPal and cash them without any fees for a limited time. Considering this, you may want to call ahead to verify that your bank will cash third-party checks at the specific location you visit. We respect your privacy. On the other hand, places like grocery stores, convenience stores, and gas stations do not cash third-party checks. Fortunately, there are several primary identification documents and cards you may use to cash a personal check or cashiers check, including: Generally speaking, youll need a primary ID to cash a check. The term, "third party" means different things to different people. In addition, check cashing stores will charge a large fee for cashing checks. In the rare chance that you make a mistake with endorsing the check, the mistake will be noticed by the bank, and it may not cash. However, things get even more complicated when it comes to 3rd-party checks as 3rd-party checks can be difficult to cash, especially when you need to do so quickly due to the requirements that have to be met to cash them. Call ahead to verify requirements, but the banks primary concern is preventing fraud. Follow these steps to endorse a check for a third person to cash it: On the backside of the check, write the correct name of the 3rd person in the pay to the order section. Verify the check amount and withdraw the cash. For an individual, the third party check benefits include not having to carry cash around, being insured, and if the check bounces, will notify them by mail in plenty of time. The employee would sign over their jury duty check and endorse it on the back of the check for jury duty pay. To further improve your odds of the bank accepting the third party mobile check deposit, ask the person signing the check over to you to write Pay to the order of followed by your name, followed by another instruction that states for mobile deposit only, followed by the persons signature. To cash a third-party check, you must visit a bank, credit union, or check cashing store in person. The original check receiver must write on the back of the check in the endorsement spot write Pay To The Order Of.. Some of those services include direct deposit, cash your paycheck with PayPal, and more. Note: Although the banks and credit unions listed below dont cash third-party checks, some may allow you to deposit them into your bank account in person. Below your signature, write the words "Pay to the order of" and then write the other person's name. In that situation, you will want to knowhow to void a checkand get the check reissued. If you need to open an account, there are banks that dont use Chexsystems that might be an option. If you dont know what a 3rd-party check is, its basically a two-party check that is endorsed to another person (the 3rd party). Welcome! Fortunately, most state-issued IDs are affordable and will run you no more than $30. Select check cashing stores will cash third-party checks, but not all of them. These apps work similar to bank apps in that you have to upload your check images. Cash the check at any bank, credit union, and certain check cashing stores. Bucksandcents.com cannot be held liable for any loss, injury or damage caused by your reliance on information obtained from this site. 19 Possible Reasons Your Debit Card Declined and What to Do, How to Build an Emergency Fund (The Ultimate Guide), Cheapest Way to Heat a Home: How to Lower Your Heating Bill, 15 Best Platforms to Get Paid to Watch Ads, 15 Best Freelance Jobs to Earn a Full-Time Income, Does Starbucks Accept EBT? Do not try and cash a check online as most banks wont support the transaction. With that said, customer service centers at convenience and grocery stores like Costco do not cash third-party checks. Banks will collect the check from the ATM and make a decision to deposit funds or not. We do not guarantee the accuracy or completeness of this website and its contents. Consult the banks policies, but you, Unfortunately, most banks wont accept mobile deposits of third party checks. Factor that in when trying to cash a third-party check because you do not want the fees to eat up your money.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'bucksandcents_com-large-leaderboard-2','ezslot_23',134,'0','0'])};__ez_fad_position('div-gpt-ad-bucksandcents_com-large-leaderboard-2-0'); A lot of people want to know if you can cash a third-party check without ID. How do you cash third party checks without the other person? Your email address will not be published. Next, youll need to visit any bank, credit union, or certain check cashing stores. Yes, you can cash a third-party check without a bank account. Many banks policies change from time to time, so calling is best to get confirmation of what is needed for check cashing. First, before we can discuss the best practices for cashing third-party checks, we have to know what they are. The automated nature of ATMs is not sufficient for handling the process of verifying a third-party check. A third party receives a Check that was written for another individual. Why might someone endorse a check to someone else? The benefits of 3rd party checks are that it is easier than cash in hand. You can cash a third-party check at any bank or credit union. Because third-party checks entail increased scrutinization to prevent fraudulent activity, financial institutions do not allow them to be cashed online. An endorsement gives the rights of the check to a third party. Some financial institutions and cash checking stores might also ask for your Social Security number (SSN). However, its best practice to do so regardless. You may choose to receive your money in cash or in the form of a Walmart MoneyCard. Cashing third party checks online is usually not supported by financial institutions. (Everything You Need to Know). Bank of America account holders can cash third-party checks for free. This way, they can act as a witness to your signature. However, if you cash a third-party check at a bank or credit union youre a member of, you may be able to bypass the second-party verification part of this step. Once their financial institution verifies theyll accept the check, sign the back of it. PayPal does not accept third-party checks. The Capital One Platinum Secured Credit Card is one example of a prepaid card you can get without any form of ID. This way, they may not require the other person to be present. The first step to cashing a third party check is endorsing the check. In the event you never had an ID, its well worth your time and money to get one. Where can you cash these types of checks? Like other grocery stores, Walmart will not cash third-party checks at its Money Center departments. You cancash a third-party check without a bank accountat the bank from which is was issued, retailers including gas stations, grocery stories, and department stores that offer check cashing services, or at an ATM that allows deposits onto pre-paid card accounts or debit card accounts. Description. One example of this would be employees who have jury duty and get paid their normal daily salary amount even though they are at jury duty. How Much Should Your 401(k) Contribution Be? Despite it being possible to cash a 3rd party check wed say its generally better to refuse a 3rd party check and demand can or a check from the other persons account directly if youre not family or dont trust each other VERY well. The second difference is that a third-party check requires two endorsement signatures while a second-party check only requires one. If you visit the bank in person you avoid lots of these potential issues and generally it still only takes a short 5-10 minute visit to the bank to get the check cashed basically instantly. Ill even show you the best place for you to cash a check and when the funds will be available. If you go to a bank where you have an account, then cashing a third-party check is free and takes seconds. Therefore, its important to search online or call ahead before you visit the location. Can You Deposit Someone Elses Check in Your Account Without Their Written Permission? Next, endorse the back of the check with your signature and put it into the ATM's check deposit slot. The signature of the employer is also needed to cash the check. The most important thing you should do before attempting to cash your 3rd-party check is to make sure it is fully and properly endorsed. Sometimes, banks will require the IDs of both the 2nd party and the 3rd party when cashing a 3rd-party check. This officially confirms the endorsement. Third party checks can often simplify the process of check cashing without an ID. You may be able to use a third party check, which is written for someone but given to a third party. The information contained on Bucksandcents.com is intended for informational and educational purposes only. has a check-cashing app, and it will accept third-party checks for a fee. Based on this article, we think youll enjoy the following: I am an avid personal finance nerd sharing my thoughts on making money, saving money, budgeting, and escaping the rat race! Yes, you can deposit a check to someone elses account if they give their written permission on the back of that persons check. The deposit process takes only a few days which is similar to traditional methods. Advertisement. However, for those people that dont have an ID, cashing 3rd party checks can be done at certain stores without an ID. This way, you can save the cost of cashing the check also. If you do not have an account, prepare to face more hurdles in cashing the third-party check, and steep fees. What Is the Difference Between a Second Party Check and a Third Party Check? Convenient Check Cashing in Walmart: Your Ultimate Guide. The back of the check might also say . Please consult a CPA, CFP, or legal representation before making any major changes impacting your financial condition. An ID can make it easier for you to cash checks, travel, and more. Checks which do not clear may be mailed back to your address on file with the bank. The reason this is so important is that different banks have different policies and security requirements when it comes to cashing 3rd-party checks, so its best to confirm what is needed before you make the trip. How to cash a check without a bank account, but you have ID: Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) The bank listed on the check you received should be able to cash the check for you for either a flat fee or a percentage of the check amount. Keep in mind that a bank account is often worth opening so you can easily deposit money and enjoy direct deposit and other conveniences. PayPal: Most Trusted Cash Checking App. Most instant online cash apps will not cash third-party checks instantly, as they require a hold to make sure the transaction is not fraudulent. Well also discuss how to correctly endorse a third-party check and what you need to cash one, such as ID. 3. Yes, Ace Cash Express does offer third-party check cashing services. Step Two: Endorse the check before you hand it to the teller. From there, youll need to snap a clear photo of the front or back of your check and type in the check amount. As mentioned above, there are essentially two ways to cash 3rd-party checks: The first option is the best choice in 99% of cases because most banks need to see ID and do extra security checks before they can allow a 3rd-party check to be cashed. Using a national bank for check cashing 3rd party checks is the option that makes the most sense. You can mobile deposit third party checks, but keep the check until the deposit clears. You can cash a third-party check without a bank account at the bank from which is was issued, retailers including gas stations, grocery stories, and department stores that offer check cashing services, or at an ATM that allows deposits onto pre-paid card accounts or debit card accounts. Cashing a 3rd party check isnt difficult. This leaves the door open to fraudulent schemes and increases the risk for the entity that cashes the check. Unfortunately, cash checking scams are common. Ingo Money App When you are ready to cash your check online instantly, the next step is signing and endorsing the back of your check. You will need to deposit the funds into your account before cashing it. Banking and the financial market have been evolving. Third-party checks are not eChecks. The check should clear within a couple business days, but funds may not be available for another five business days. This differs from two-party checks by the fact that third-party checks involve a different person cashing the check other than the person the check is made out to. The most important part of cashing a third party check without a personal account is proving you are the person whose name is written on the check. Fortunately, most mobile payment apps are free to use but you will need an account, like a PayPal account to take advantage of them. With that being said it only takes 5 minutes to go inside and talk to someone at thetellerwindow to get the check cashed for you so long as you have done your duediligenceand have the endorsementdoneproperly you should be able towalkout with cash just minutes later. There is no one specific way to do this because every single situation will be different depending on which bank and institution do such transactions with their customers. There are some mobile apps that let you send and receive money without an ID. Typically, you can cash a check without ID for free and avoid check cashing fees. Endorsement. To cash a third party check, have the original payee endorse the back of the check by signing the back and Pay to the Order of your name. But here are some situations in which this may not be the case. How to Cash a Check Online Instantly with Your Phone The first step includes downloading the app from the app store onto your phone. While many banks and credit unions will cash a third-party check, not all check cashing stores will. Banks may require photo ID or verification from the original payee to prevent fraud. Once you have ensured that the check is officially endorsed and that you have all the forms of ID required by your bank for 3rd-party check processing, you should visit your bank in person to cash the check. Can You Deposit a Check to Someone Elses Account? Some retailers do accept these types of checks, but most require identification because its possible someone might use a stolen identity or create one with fraudulent intention if all they have are personal details about them, such as birth date, address, etc. Cashing a third-party check is a little trickier than one that has been paid directly to you. Below well go over the FAQs weve been asked, or encountered, or even had asked ourselves aboutcashing 3rd party checks If you have other questions feel free to contact us and well get back to you as soon as we can and likely even add our answer down below. Some banks where you may be able to cash third-party checks are: Chase. She enjoys helping people make smart financial decisions. What Are The Benefits of Third Party Checks? If the mobile check deposit does not go through, all is not lost. Expect to pay a 2-3% fee for this service. What does this mean for you? See details in this. People have successfully deposited checks at ATMs. Some solutions you might want to consider include a third-party check, a debit card at an ATM, your banks app, and a mobile payment app. While many banks and credit unions will cash a third-party check, not all check cashing stores will. Therefore, the best place to cash a third party check is in-person at a bank or credit union. With that said, the best practice is always to endorse a third-party check in front of bank or credit union personnel, like a teller or cashier. What the app is best for: Transferring money to family and friends who use Netspend accounts Where to download the app: Google Play or the App Store 2. Give the other person the check and have them cash it. Believe it or not, you can cash a check at Walmart without an ID. Lets take a closer look at the options available to you. It's simple: we will never steer you in the wrong direction just because a company offers to pay us. With that being said it only takes 5 minutes to go inside and talk to someone at the, window to get the check cashed for you so long as you have done your due. Hi, I'm Caleb Reed, a personal finance enthusiast and founder of TheDollarBudget. Ironically, third-party checks are a lot more common than two-party checks. While great care has been taken in compiling the information, it may contain errors or inaccuracies, and/or some of the information may have become outdated. This article may contain affiliate links which pays a commission and supports this blog. If you try to cash the check via a mobile app, the worst that will happen is that it wont go through, but if you deposit the check into an ATM, and it cant be processed, you will have to wait for the check to be mailed back to your address before you can try to cash it again, which obviously isnt ideal if youre trying to cash the check quickly. Here's how you can cash a check if you don't have an ID: 1. You can check out the steps tocash a check made in someone elses namefor proper endorsement. While Crediful does not feature every company, financial product, or offer available, we are proud that the information, reviews, guides, and other tools found on our site are entirely objective and available to you free of charge. The payee must sign the back of the check above the endorsement line and write "Pay to the order of" and your name underneath. Step One: Take the check and your photo ID to the bank or your preferred check cashing provider. In this case, the other person will probably need to be present in order to provide identification. One person (the 1st party) might write a check to another person (the 2nd party) in order to give them some money. The original payee should write pay to the order of and the new payees name on the back of the check and sign. There are a lot of places you can cash a third-party check. At most, youll have to try to deposit the check again later or its mailed to an old address on file. This will save you time that might be wasted if you complete the endorsement incorrectly and have to start again. Youre also unlikely to cash a third-party check at an ATM or online. Knowing the details of what is a third-party check is important. If (and only if) your bank clearly states that it allows 3rd-party checks to be deposited in this way, then it may be the fastest way to get access to your money. However, two-party checks are limited to $200. These third-party check cashing transactions are risky for a bank because they could lose money if the transaction turns out to be fraudulent. Sign the check over to someone else If you have a friend or relative that you trust, then sign the check over to someone else. , many credit unions, some check cashing stores will charge a large fee for this service valid... For handling the process of verifying a third-party check at any bank credit!, for those people that dont have an account, then cashing a check... Can discuss the best place for you to cash your check images a fee of is! Step to cashing a third-party check requires two endorsement signatures while a second-party check only requires one online. 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