How To Cash A Third Party Check Without ID

How To Cash A Third Party Check Without ID

Checks are widely used for payment purpose world wide. You can also transfer your check to athird person if you don’t have cash in hand but have a check that you can use to tackle the situation. But there are many problems associated with cashing a third-party check. In some conditions, when you don’t have a valid ID with you, how can you cash a third party check Without ID ? So in this article, we will describe how to cash a third-party check by various means, so keep on reading.

How To Cash A Third Party Check Without ID | Things you Need to Know

In most circumstances, when you have a regular check, there is most minor ID verification for cashing a check. Or if the amount is the least. But when it comes to high cash value checks, it becomes necessary for security purposes.

You can use other primary IDs to cash your check. These include:

  • VISA
  • Driving License
  • State ID
  • Military ID

You can use these ID alternatives when cashing a third-party check. But the bank cashing it may verify your check by signing to a third party from the original payee.

Using Secondary IDs to cash a 3rd party check

Some banks allow you to cash your check with your secondary ID if you don’t have a primary ID. Only those banks allow this service in which you have a registered or checking account. Because they already have your ID data for their verification. Various secondary IDs that can be used are:

  • School photo ID
  • College photo ID
  • Membership card of a state
  • Employment Photo ID
  • Birth certificate
  • Firearm permit photo ID

You can use the above-mentioned secondary IDs depending on the bank’s acceptance.

Cashing It from the Drawn Bank

You can also cash a third-party check without an ID from the bank where it’s drawn. But before visiting the bank, ensure that the bank authorizes third-party transfers.

They may instantly provide you with the cash or deposit it into your account. Many banks provide such services but ensure that the check writer can transfer it to a third party and that your credentials are endorsed correctly.

Cashing It From Bank where you hold an Account

Certain banks either cash or deposit a third-party check without ID to your account. But it’s necessary to hold an account in that bank. They will deposit the amount after confirmation and signing authority from the concerned bank.

Deposit The Check using your bank ATM

Another way is to deposit to your bank’s ATM and transfer it to your debit card. Later on, you can withdraw the cash amount from your debit card. To do this, follow these steps:

  • Insert your debit card into the ATM.
  • Enter your pin to access the menu.
  • Now select check cashing service.
  • Insert your check in the check cashing slot.
  • Enter the check amount for verification.
  • After a few verifications, the amount will be transferred to your account.

It is the most convenient way to cash a third-party check with no ID. But you must be sure that your bank’s ATM system provides 3rd party check cashing service without ID verification. Moreover, your check is endorsed correctly, and the endorsement matches your name.

Using the check cashing apps

Numerous check cashing apps may cash your check and transfer the amount to your registered account. Make sure that you have a valid verified account on these apps. Because if you haven’t presented your photo ID in the past, they won’t process third-party transactions. Make sure to follow the steps:

  • Take two clear pictures of the front and back of the cash.
  • Upload it to check the cashing app.
  • Wait until the check is verified.
  • After the verification, the amount will be deposited to your registered bank account with the cashing app.

Sometimes the cashing app may ask for video verification of the person along with a check. Itis is due to saving from fraud or theft.

Some best mobile cashing apps

With their traffic status and customer satisfaction, these are considered the best check cashing apps. You can use one of these to cash your 3rd party check without ID.

  • ACE Mobile Loads
  • Brink’s Money Prepaid
  • Walters: Your Mobile Banking
  • Lodefast Check Cashing App
  • Check Cashing Store
  • Boost Mobile Wallet
  • InGo Mobile cash

Using your bank’s mobile banking app

When you have no ID to cash a third-party check, your mobile banking app comes in handy. With your adequately endorsed check with your full name written to it as per bank data, you can cash the check with a banking app. Make sure you have your correct name written in the pay to the order section on the backside of the check. After that, follow these steps:

  • Upload clear pictures of the front and back sides of the check on the app.
  • Wait for the confirmation status.
  • The amount will be shortly transferred to your account.

Many banks cash the check into your check after complete verification from the banks where it’s issued. Because of signing it to a third party. It may take 2-3 business days. After the confirmation, the amount will be transferred to your account.


So, when you don’t have your ID around and want to cash your check, you can use the ways mentioned above to cash your check. Moreover, if you have any other questions regarding your check problems, please let us know in the comments.


Walmart does not accept third-party checks due to the high potential of fraud.

Many stores provide such a facility for cashing a standard check. But in case of a third-party check, they may ask you to have an ID or membership.

Yes, you can cash a check in a specific bank by acquiring an application copy of your new ID.

Answer to this question depends on the circumstances. Suppose your loan management organization accepts the third-party check. You can use it to pay off your loans.

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