Checks have reduced cash handling worldwide. You can transfer or pay large payments through checks. You can also transfer many types of checks to a third person, including government checks like tax refund checks, stimulus checks, or US treasury checks.
But many problems are associated with cashing a third-party check because they require extra security checks for verification. So in this article, we will describe how to cash a third party government check by various means, so keep on reading.
Do you need an ID to cash third party checks?
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:
- Driving License
- State ID
- Military ID
You can use these ID alternatives when cashing a third-party check. But the bank or credit union cashing it may verify your check by signing to a third party from the original payee.
Using Secondary IDs to cash third-party checks
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
Depending on the bank’s acceptance, you can use the above-mentioned secondary IDs and deposit or cash checks.
Cash a third party government check without a bank account
You can cash a third-party check 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 offer 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. 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. To cash your third party check, go to your local bank cashier and follow the steps:
- Make sure to endorse the check before presenting it to the cashier.
- Sign your name on the back of the check.
- Fill out a pay slip.
- After the check is deposited, you can cash your check.
Deposit The Check using your bank ATM
Another way to cash a third party check is through a bank’s ATM and transfer it to your debit card. Later on, you can withdraw the cash amount from your debit card. To cash a third-party check at an atm, 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. , But you must be sure that your bank’s ATM system provides third-party check cashing service. Moreover, your check is endorsed correctly, and the endorsement matches your name.
Using the check cashing apps/Online cashing App
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. To deposit third-party checks using mobile apps, make sure to follow the steps:
- Take two clear pictures of the front and back of the cash. ( Sign the check before uploading the pictures.)
- 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. It is due to saving from fraud or theft. But you can cash your third-party check with the mobile app without visiting the bank.
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.
- 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 to cash a third-party check, your mobile banking app comes in handy. With your adequately endorsed check with your full name written 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:
- Open the mobile app of your respective bank.
- Tap the check services bar in the main menu.
- Select online check deposit.
- 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.
( Note: Keep the physical check until the check amount is transferred via mobile check cashing services to your account.)
Using Cash exchange services
You can use a cash exchange service as a last resort to cash your check because they charge 10% of the check. It is due to the additional security risk they take to cash without verification. A copy of your photo ID is required to cash checks at these check-cashing places. So always have a copy of your legal ID to cash a third-party check at the exchange.
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.
Afza Ahmad is a freelance writer specializing in finance and banking. With an in-depth knowledge of the industry, she has written extensively on topics ranging from stock market trends to international banking regulations.