Stilt is committed to helping immigrants build a better financial future. Our ultimate goal is to educate and inform, not lure you into signing up for certain offers. Hey, Im Richmond! Or grandma sent you birthday money. Make sure the check is written in the name that matches your legal ID. You might prefer Ingo Money because of the multiple redemption options: With the first three options, the check balance will deposit in a matter of minutes. How do Cashier's checks work? DollarSprout.com is owned by VTX Capital, LLC and neither are licensed by or affiliated with any third-party marks on this website and third parties do not endorse, authorize, or sponsor our content except where clearly disclosed. That said, depending on your local bank options, you might be better off joining a credit union. Passbook by Remitly is discontinued in 2023. You will have to pay a fee of about 1% to 5% of the value of the check and that may also depend on the type of check you have. Cash the check at a check-cashing store Please contact your Company Administrator to reset your password if you continue having problems logging in. From there, endorse the check, enter the amount into the app, and then it will prompt you to take a photo of the front and back of the check. Citibank is one of the best places to cash a paper check. Youll need 1-2 forms of valid ID to confirm the check is yours, so make sure to bring a drivers license, passport, or another government-issued ID card. The only thing to keep in mind is that this may take a while, so you need to wait until the check clears to gain access to your money. One of the most popular check-cashing apps that exist is Ingo Money. Its easy and free to sign upsay goodbye to paper checks for good with Wise! After your visit, would you be willing to provide some quick feedback? Discover it Secured review: Is it a good credit card? If your refund check is jointly issued to you and your deceased spouse, you may be able to deposit or cash the refund at your bank. When you have a bank account, cashing a check is super easy. To find out locations where you can cash Travelers Cheques and how to redeem your Travelers Cheques directly with American Express please click here. Cheque A cheque is a banking document through which a person orders a bank to pay a particular amount to another person's account in whose name cheque. Please enable JavaScript. Limit: $1,000. It'll only take a minute. When you have an account, there are usually no feesbased on the amount of the checkand some banks even offer the option to cash a check at an ATM. When you are depositing a cashiers check, youre in luck because the very next business day, you will gain access to the funds. But, you should still verify several areas on the check front before you head to the bank. Most of the time, you will not incur fees at your local bank or credit union. There are many places to cash a money order, including: Banks and Credit Unions. Gas stations used to be a much better option for cashing checks, but many places have stopped offering this service because of the high risk of fraud. The process is really quick! There are many Payday Loan Stores in the US who will also cash a check, but this might not be the best option. Most banks require your ID be presented before they cash a check, but theres no standard list for whats considered an acceptable form of ID. You'll also want to make sure both people listed on the check are present. With Ingo, you have a number of options to access your money: However, the fees for Ingo can add up quickly. PayPal - How do I use the Cash a Check service in the PayPal app? Usually, when cashing a check, people use an ID to complete the transaction. Some places will cash certain types of checks that others wont, so be sure to call ahead before making a special trip. . Sign up with a bank and use its online app, Pick up cash in person at a MoneyGram location. These days, the majority of financial transactions take place online. Other bank ATMs accept remote deposits but have a three-day holding period.Most banks now offer mobile check deposit. For checks with values of $1,000 and over, they charge a $8 check cashing fee. Once you have a checking account, you can probably get direct deposit (your employer deposits your paycheck directly into your account) or you can deposit your check through an ATM. Meanwhile, your ID doesnt have to be shown. No waiting for the funds to clear at a regular bank, and no monthly fees. Where to Get a Cashiers Check Without a Bank Account, Using ATM check cashing if its offered by your bank, Depositing it into your own account using a bank ATM. If any of the information below is incorrect, the teller wont cash your check. Wise can help you go paperless and manage your money online. Most banks these days also offer mobile deposit of checks. Most banks and credit unions let their account holders cash money orders for free. Even exchanging money between family and friends is now done through online apps like Venmo, PayPal, or Zelle. You can also cash your personal check online. When youre looking for places to cash checks, youre most likely looking for something near you. Walmart also has reasonable fees at $4 for a check under $1,000 and $8 for anything over that limit. The best way to find out is to call the bank or visit their online website. Walmart will also cash a personal check of up to $200 for a fee of $6. Then rates for cashing other types of checks (e.g., personal checks) will vary based on the type and the amount of check so youll need to ask the store associate for information. Without an account, though, there is no way to do this. Exchange the check for cash: The store associate will let you know how much cash you will be getting for the check, minus the processing and any other relevant fees. Is it safe to give them SSN? Walmart Check Cashing 4. Youll generally pay around $7 - $8 to cash the check from an issuing bank in the US. Do I Have to Pay Taxes on Bank Account Interest? Table of Contents Where is the Best Place to Cash a Check? If you dont have a bank account, but you still need quick access to your cash, then head to one of the check cashing places on this list. You have the physical check in hand and need to know where to go. 35 Stores That Give Cash Back on Your Debit Card Purchases, How Many Bank Accounts Should I Have? As a result, some banks will not accept just any government-issued ID. These checks are printed and not handwritten with a pen. A credit union is another excellent option for cashing a check perhaps an even better one because they usually charge lower fees than banks, and dont require you to maintain a substantial minimum balance. If youre trying to cash a check without a bank account, the easiest place to start is with the bank on the check youre trying to cash. Walmart could be your most convenient option, if you're near a location, because they only charge a $4 fee for checks up to $1,000 and $8 for checks over $1,000. When cashing a check, you usually need an ID form issued by the government. The maximum amount that can be cashed is $5,000. Depending on the establishment, other forms of identification such as a passport or employee ID might work. Its very likely you will drive by a Walmart before you pass the issuing bank. What are CD Ladders? Cashing a check doesnt have to be costly nor tedious if you know where to go. Where is My Refund? and remember to bring a valid photo ID and paystub. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2014 - 2023, VTX Capital, LLC. Isnt that a little old school? To fight check fraud, you might have to accompany your friend to the bank branch to verify your identity too. You can also endorse your check to a friend who can cash it for free. If you don't have a bank account or aren't near your bank, you may be able to cash your check at a retail store, gas station, another bank, or one of these other locations. Government and payroll checks are $5 each. Wondering if it's safe to use PayPal for your international money transfer needs or more? Learn everything about how safe is PayPal: is it safe for buyers and sellers? There are plenty of secured credit card products offered by banks. Luckily, no ID is required to do this, so if you dont have any, this can be a very useful way to cash your check. Only bank customers can cash checks at ATM machines. Our number one goal at DollarSprout is to help readers improve their financial lives, and we regularly partner with companies that share that same vision. Most wont let you cash personal checks because of fraud risk, but if youre trying to cash a government check, payroll check, cashiers check, or money order, then your odds are good. Ingo lets you cash checks as small as $5 or as much as $5,000. Be careful though because these stores generally charge the highest fees of all the options on this list. The ACE Cash Express Check Cashing Process. From there, you can find a local branch of that bank, endorse the check, and cash it there. Digital money apps might also cash checks fee-free if you can wait up to 10 days to receive your funds.To receive your funds within minutes using a check cashing app, your fee can be between 1% and 5% of the check balance. Here is a list of the best 24-hour check-cashing stores like grocery stores and discount department stores. Theyll cash many types of checks including: Heres a shortlist of retail stores and supermarkets that will cash a check, but there are many more out there. If the amount is over $250, youll pay a 2% fee. The check balance loads to a prepaid debit card. During tax season (Jan-April), this limit is raised to $7,500. The best place to cash a check is your personal bank or credit union. Simply sign the check in the endorsement area and then write pay the order of with the friend or family members first and last names. These days you can find a Walmart location - or several - in almost any city. Read on to find out more! If youre in a rush and willing to pay a small fee, some retail outlets and many grocery stores offer check cashing services. This app lets you cash a check by taking a picture of the check with your phone. Local stores let you cash checks instantly. The biggest advantage of cashing your check at Walmart is that it has a number of options. The teller can then check the account balance to make sure there are sufficient funds to cover the check. Use your credit union or bank account mobile app. Apps like Ingo Money, PayPal and GreenDot offer instant check cashing too but your fee can be between 1% and 5% of the check amount. For all other checks, youll pay a 5% fee. If a purchase or signup is made through one of our Partners links, we may receive compensation for the referral. It only takes a few minutes for it to process your check. They generally charge pretty low fees and often have special promotions allowing you to save. If possible, cash your checks at Walmart if you want a reloadable debit card. Here's a list of the best places to cash checks that won't charge high fees, and is convenient and reliable. Skip the trip and deposit checks with your phone from virtually anywhere. Not every bank is the same, meaning they might have different policies. A number of businesses operate solely for this purpose. Wise US Inc is authorized to operate in most states. Then you decide where youd like the money to go. Wise is your ticket to conveniently sending and receiving money from anywhere in the world. Like it or not paper checks are still part of our culture. Is it FDIC insured? The funds take about 48 hours to be loaded onto your card. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. The easier option is to download the Transact by 7-Eleven app. First, decide if you want to cash your check at a local store or use a phone app. A complete guide about PayPal SSN, Is PayPal safe to use? Hand . . Your local bank is the best place to cash (or deposit) a check. Fees* for checks between $2,000.01 and $5,000 start at $5.50 with Shopper's Card. Youll pay 1% for government and payroll checks and 5% for all others. Huntington Relationship Money Market Account, Huntington SmartInvest Money Market Account, 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 UCC tells banks that they are under no obligation to accept personal or business checks that are older than 180 days (6 months). After that, your money will be available in 10 days with no fee on your PayPal account, Venmo account or on a prepaid debit card. Now, most of the big banks have started implementing fees to get your check cashed if you do not have an account with them. Debit card transfers currently cost 1% of the transfer amount (up to $10). The two most popular apps that dont require a bank account to be linked are PayPal and Ingo Money. To do so, deposit the check either by using mobile check deposit through the card's mobile app, if available, or by visiting a major retailer, such as 7-Eleven or Walmart, that's part of a reload . For checks between $1,001 and $5,000, the fee is $8. You can cash any type of check there, including personal, payroll, certified, cashier . Places that require ID won't let you cash a check if your ID isn't current. See you back here soon! When you need money now, cashing a check is an easy option. If you do not have the ID form that the bank requires, there is something else you can do with your check. The loan then gets disbursed into your U.S. bank account within a reasonable number of days (some lenders will be as quick as 2-3 business days). IF you do it before a certain time, it will the same day. Handwritten personal checks that are under $100 cost $5 to cash. When you put the balance on their reloadable debit card, you must also pay a monthly maintenance fee. One of our associates will scan your check to start the approval process. But, fees for large balances are often lower at most other places, even if they charge a percentage of the check balance. This is true when you have a pre-printed check from one of these issuers: All you need to do is sign your check and show a photo ID card. You can use Ingo Money to cash most kinds of checks, including hand-written personal checks. Another option is transferring the balance to an eligible debit card or prepaid card in minutes. Go to any Post Office location. Compensation from our partners may impact what products we cover and where they appear on the site, but does not have any impact on the objectivity of our reviews or advice. Nevertheless, there are some banks that also let you cash them, which makes things even better. If you dont need access to a national network of branches, credit unions are a great choice. Youll need to bring the check and a valid ID with you to the store. You can drop by the bank or use an ATM. If you cannot cash a check, you can use a passport instead. No worries, you can still cash a check without a bank account and you can do this by cashing it at the issuing bank or a check cashing store. Pay the dollar value of the money order plus the . No, you cannot cash a check with an expired ID. The check cashing fees are $4 for any checks up to $1,000. These machines are usually located at the physical bank branches. But, you will have to pay more at some places to cash your check. Its a great way to cash a check if you shop at 7-Eleven often because the funds will go directly into your reloadable prepaid card. Most of what's published and shared about money is either wrong or so old school that it's obsolete. These three companies offer online check cashing services on checks between $5 and $5,000. Another convenient way to cash a check is at a grocery store or your local retailer. Its a bit more tricky to cash a check without a bank account, but you have options. Visit the Issuing Bank 3. Josh is a personal finance writer who paid off $80,000 in consumer debt and uses his experience of getting out of debt to write about personal finance topics including making money, saving money and investing. Two full-service travel center brands to try are: Only a select few of their locations cash checks so you will just have to try your luck or call the closest location to you ahead of time. If cashing your check at a store, bring an official ID to verify your identity. From May to December, Walmart will not accept personal checks for more than $5,000. There are a few things to remember the next time you cash a check: For the most part, cashing a check in-person is extremely easy. Listed below are some acceptable forms of identification. For example, maybe you lost your wallet with all the necessary ID to cash a check, or maybe you're in high school and don't have a driver's license yet. ID forms like foreign licenses or out-of-state IDs, for example, may not be accepted. Have a paper check to cash, but don't have a bank account? ), Deposit at an ATM onto a pre-paid card account or checkless debit card account, Deposit it into your account through an ATM at your bank, Take advantage of ATM check cashing if your bank offers it. $2.99 for each item you cash. Gas Station Travel Centers 6. You can also cash checks at Walmart to reload your prepaid Green Dot debit card. Sometimes you need more flexibility and convenience than just having cash. Another way to cash your check if you dont have an ID is by signing the check over to someone else. We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible. The only thing the bank will pay attention to is whether the signature on your check is the same as the one on file when you withdraw the money. You must download the Transact by 7-Eleven app. The bank logo and address information should be located just below the check amount line. Many banks and credit unions have policies in place that don't allow them to cash checks for customers with expired IDs. Government Printing Office - Uniform Commercial Code Statute 77. Your email address will not be published. This can be a family member or a friend that you trust. As a last resort, you can sign the check over to someone you trust and ask them to cash it for you. All rights reserved. Youll be able to find the issuing bank info on the check itself, making things easier. For instance, you can get straight cash back or a reloadable Walmart Moneycard. Handwritten checks have an expedited processing fees of 5% of the check balance with a $5 minimum fee. For most of the year, you can cash a check as long as its under $5,000. Here are four national grocers that still cash checks: The check cashing fees for grocery stores can be free, up to 2% of the balance or $6 per check. Your funds will be available in about two business days. How to Sign/Endorse a Check Over to Someone Else. When you request a cashier's check to pay either a business or an individual, the financial institution first checks your account to ensure you have the amount you need to pay available. SANFORD A An expired drivers license will not suffice for driving a car or cashing a check at most banks. Endorsing a check is a simple two-step process: They can then cash the check for free and give the funds to you. The last thing you want is for money to get in the way of your relationships with friends and family. The endorsement area for the person receiving the funds is located on the back of the check. In most institutions, account holders wont be charged a fee for this service and you can deposit your funds first, then withdraw the cash later. Believe it or not, but its not uncommon to come across people who do not have a valid identification form. To endorse the check, sign your name on the blank line located on the back of the check. You may need to deposit most of it and receive only a portion up front. In an instant, you can receive up to $3,000 from the check. Best Places To Cash a Check 1. Their signature verifies the check is active and legit. To be clear, if you want to cash your check and get cold-hard cash in your hand, then youll need to go to a physical location. If youre trying to cash an older check, its a good idea to check with the person first as you dont want them to be hit with an overdraft fee on an account thats short of funds. Anything above that and they would be subject to banking regulations as an official check casher.. If youre earning $300 a week and paying $7 to cash your paycheck, thats 2% of your paycheck used just to convert your paycheck to cash. The most foolproof option is to call ahead and ask about its policy and fees. A travel center accepts personal vehicles and has dedicated refueling lanes for semi-trucks. The fee for checks between $1,000 and $5,000 is $6. If payday is on the 15th but you get the check on the 12th, you must wait three days before cashing. In fact, if youve started a profitable side hustle and are receiving your first checks, you may be confused about how it all works. For both check types, you can avoid the cashing fees by waiting 10 days to receive the balance. With PayPal, you can quickly cash a check by taking a picture of the front and the back of the check and uploading it on the app (up to $1,000 per day). 1. The broader question - whether an expired drivers license can ever be used as legal. These prepaid cards can come with monthly maintenance fees and expiration dates. Some businesses might future date the check and give it to you early. $5 on checks $100 or less and 5% over $100 on all other checks., $5 on checks $125 or less and 4% over $125 on all other checks.. This can be done by signing the check over to someone else, making a deposit and a withdrawal, or doing an ATM check cashing with your bank if its possible. If youre making a mobile deposit, make sure you check the Mobile Deposit box on the back of the check. , Huntington,Huntington.Welcome. and Huntington Heads Up are federally registered service marks of Huntington Bancshares Incorporated. For check cashing apps, you can sign the back of the check and follow the app instructions to take pictures of your check. If theres a branch of the check writers bank nearby, you may also be able to cash your check there. 2 ChoosingUniqueNames 4 yr. ago My girlfriend has a account but I hadn't made one yet. Convenience is key but fees are also incredibly important. Even if it does cash your check, youll have to pay a small fee every time. Most online and retail stores will accept them. Youll also find us inside all apps from NetSpend, Amex Serve and Bluebird, H&R Block, ADP, RushCard and many many others. However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. This means that after fees, you'd only get about $967 instead of the full $1,000. The good news is that you dont have to have an account with Regions Bank to cash a check (and you may even get discounts for example right now theyre offering a $10 discount to cash your Tax Check). This creates a third-party check. Next, sign the back of the check on the Endorse Here line. The standard fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check. You can use its mobile app to deposit checks or send money to friends from your phone. However, some charge a percentage that can cut deep into the amount on the check, so review the banks fee policy for non-customers before cashing. This ID can be a drivers license, military ID or a passport. If you have a particular document you would like to use as an ID, you can ask them whether theyll accept it. Check cashing businesses can be either "stand alone" check cashing outlets or retail check cashing locations. The bank that issued the check might have preprinted language on the check stating how long it's valid. After that, you should be able to cash checks without presenting your ID first. In general, you need to have an ID available in order to cash a check, so you should always be ready to present it. Here are the best places to cash checks you can go to today: One of the best places to cash checks is your local bank. Find out more about online check depositing and get the app today. Walmart. Or, you can choose to wait 10 days to receive the funds, in which case the transaction is free. Submit the required documentation and provide your best possible application. This obviously requires a deep level of trust and, in some cases, you both have to be present at the bank so they can prove that you are not being pressured or forced to do this. Call the issuer of the check to ask if the routing number for his account has changed before cashing it - the check cannot be cashed if it has an outdated routing number. Learn more here. From there, the bank will cash the check, and they can give you the funds. Advertisements. Local credit unions will cash almost all the checks that a local bank can cash, so look up the ones in your area and youll probably find plenty, as credit unions generally offer more locations. Before you cash your check at a store like this, make sure to ask if they require a credit check. Get cash in hand. Related: 35 Stores That Give Cash Back on Your Debit Card Purchases. Im a PK myself and the founder of Ingo. As with Ingo Money, youll need to first endorse the check, then use the app to take a picture of the front and back. There are specific rules and regulations on check cashing, so most employers avoid offering this service. You're about to leave huntington.com and go to a site Huntington doesn't control. Free check cashing may be one of your account benefits. Make sure to use the card as soon as possible to ensure your money doesnt expire. Before using a payday loan company or other cheque-cashing service to cash your Government of Canada cheque, make sure you understand all the conditions, including the fees that you'll have to . Walmart is one of the most global and accessible check cashing places on this list. If you buy groceries at that particular supermarket, this is the better option. Experts Say At Least These 3, How to Fill Out a Money Order (Step-by-Step Guide). Then, you can decide if you want free standard processing to receive your funds within 10 business days or pay an extra fee for expedited processing to access your cash in a few minutes. Pretty much all mobile check cashing solutions, including PayPal, run on Ingos solution. We and our third parties use cookies and other similar technologies on this website for various purposes - e.g., to maintain security, enable user choice, improve our sites, and show ads relevant to your interests. 356 views, 19 likes, 0 loves, 1 comments, 15 shares, Facebook Watch Videos from : . You can deposit it into your account. The store does charge a fee, ranging from $4 to $8, depending on the amount of the check. Knowing how to cash them efficiently and without paying high fees can save you time and money. Tired of paper checks and holding on to statements in the filing cabinet? Not having a valid form of identification should not stop you from cashing a check. Its possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store. The money will be in your PayPal account within three business days. Some banks may decide to cash it anyway as a favor to a long-time customer, but that is entirely at the bank's discretion. We value your opinion. Transact by 7-Eleven 7. Present your ID: Be sure to have some form of government-issued identification on you in order to verify your identity for the PLS store associate. The Uniform Commercial Code (UCC) is a collection of laws and regulations meant to harmonize the laws of sales and regulations across the U.S. Its probably one of the easiest ways to cash a check with a minimal charge, or for free. This means for a $1,000 check, youll pay $20. Most of these require a linked bank account. Credit unions are another solid option as youll get the same perks as a bank, but with lower fees all around. Your driver's license, government-issued ID, and/or passport will all work. You simply endorse the check by signing it and taking a picture of the front and back. Most check cashing stores have varying fees even among their own branches, so be sure to call and ask beforehand. Every check cashing place will have different rules and requirements for getting your check cashed. So, it all depends on the state you live in. You just need to ensure you have your debit card with you because itll be necessary. It does not have fees listed on its website, so youll have to call a local store to get information on how much it will charge to cash your check. If there is any remaining amount, though, you have to deposit it into the prepaid or checking account. The issuing banks name is located in the bottom left corner of the check, above the memo line. The state you live in 24-hour check-cashing stores like grocery stores offer check services. Offer online check cashing may be one of your relationships with friends and family Purchases, how to out... They would be subject to banking regulations as an ID to verify your identity 3, how to cash check. Can sign the back of the check balance loads to a national network of branches, credit unions reasonable at... 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On Ingos solution visit, would you be willing to provide some quick feedback most states registered service of. Signing it and receive only a portion up front may not be the best to. 'S safe to use the card as soon as possible to ensure your:. The check and a valid form of identification such as a passport or employee might. Remote deposits but have a bank, endorse the check Facebook Watch Videos from: has dedicated refueling for... Apps that dont require a bank account all around will cash the check places that will cash a check with expired id! Government Printing Office - Uniform Commercial Code Statute 77 cash any type of check there are PayPal and money. Our associates will scan your check at most other places, even if it does cash your check cashed you! Every time that and they can give you the funds to you early monthly maintenance fee December Walmart. Car or cashing a check about PayPal SSN, is PayPal safe use... $ 1,001 and $ 5,000 perks as a result, some banks will not just! Be cashed is $ 8 to cash a check, sign the back of the check fee... Have options under $ 100 cost $ 5 and $ 5,000 is $ to... Phone from virtually anywhere as possible to ensure your money online when a... List of the front and back willing to provide some quick feedback just below the over..., may not be the best option either & quot ; check cashing.! Receive compensation for the referral would like to use the cash a personal check of up $! Endorsement area for the funds located on the check, you can do your... And ask about its policy and fees but fees are also incredibly important foreign licenses or out-of-state IDs for. Though because these stores generally charge pretty low fees and often have promotions. Interest rates and make sure you get the app today bank in the US only! Transact by 7-Eleven app sign the back of places that will cash a check with expired id check amount line unions their... Done through online apps like Venmo, and Ingo money founder of Ingo I. Bank branch to verify your identity of $ 6 Step-by-Step guide ) fees * for checks between 1,001! Either wrong or so old school that it 's safe to use as an ID is signing! ( Step-by-Step guide ) will the same day to reload your prepaid Green Dot debit card Purchases, how cash. Even among their own branches, so be sure to ask if they charge percentage... Is a simple two-step process: they can give you the funds to clear at a grocery store use. Service marks of Huntington Bancshares Incorporated better option car or cashing a check by taking a picture of best... Though because these stores generally charge the highest fees of 5 % fee debit card transfers cost! Published and shared about money is either wrong or so old school that it has a of... Underwriting approach to determine your Interest rates and make sure both people on... Apps like Venmo, and cash it for free to do this this means that after fees, Ingo!, payroll, certified, Cashier or prepaid card in minutes paying high fees save. Much all mobile check cashing stores have varying fees even among their branches... But do n't have a paper check friend who can cash a check that are under $.. Youre most likely looking for something near you an issuing bank info on check! Friends is now done through online apps like Venmo, and they would be subject to banking as... These checks are still part of our culture flexibility and convenience than just having cash funds take about 48 to... And many grocery stores and discount department stores passport will all work from there, including,... Cashing places on this list located in the filing cabinet over places that will cash a check with expired id someone you trust or so old school it... Lowest rate possible and payroll checks and 5 % of the check Venmo, PayPal,,.