![]() ![]() To have the check approved and paid within about an hour, there is a 1% fee on payroll and government checks with a preprinted signature and a 5% fee on all other checks the minimum fee is $5.įamily member or friend.To receive the money in your prepaid account in 10 days is free. ![]() For example, the American Express Serve and Bluebird by American Express both offer a mobile check capture option: Several prepaid cards allow you to add money via direct deposit, cash reload or mobile check deposit-some cards charge a fee for depositing checks. In addition to cashing checks at the issuing bank, retail stores and check-cashing stores, here are a couple of other options to consider if you don’t have a bank account: ![]() A 2019 FDIC study revealed that more than seven million American households don’t have a bank account. population without a banking relationship. That’s a boon for a large amount of the U.S. You don’t need to have a bank account to cash a check. Do You Need a Bank Account to Cash a Check? But in some cases, interest rates can approach 400%.īe sure to check with the financial institution or retailer for any restrictions, fees or limitations before you cash your check. ![]() These types of stores typically don’t list their fees online, so you won’t know how much it costs until you call or visit a location. Fees at check-cashing stores are generally a percentage of the check amount. They are often the most expensive option. Payday loan stores are another way to cash a check, but consider using these as a last resort. How to Cash a Check at a Check-Cashing Store If it’s approved, you can choose to add the funds to your PayPal account immediately, for a fee, or have it added in 10 days for no cost. Then, submit the images to PayPal for review. Similar to mobile check deposits, you’ll use your phone to snap photos of your check. You can cash a check through PayPal, if you have a PayPal Cash Plus account. Kroger check-cashing fees range from $4.00 to $7.50. At more than 2,000 Kroger-owned stores nationwide, you can cash select check types with a $5,000 maximum check total limit. Some grocery store chains, like Kroger and its family of stores, also offer check-cashing services.
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