Where can i cash a 2 party check near me

Have a paper check to cash, but don't have a bank account? 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.

When most people receive a check, they deposit it in their bank account, cash it at their bank, or show their ID and cash it at the bank that issued the check. It’s possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store. It’s also possible to cash a check if you’ve lost your ID by using an ATM or signing it over to someone else. Learn more below.

Cash a Check without a Bank Account

It’s possible to cash a check without a bank account, but it’s not as convenient and you’ll pay some fees.

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.)
• Cash the check at a check-cashing store
• Deposit at an ATM onto a pre-paid card account or checkless debit card account

All of these options will have fees and may be time-consuming. The fees might be small, but they add up. If you’re earning $300 a week and paying $7 to cash your paycheck, that’s 2% of your paycheck used just to convert your paycheck to cash. That’s $360 in fees per year!

Save yourself money and time and open a bank checking account. 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.

Do I need an ID to cash a check?

How to cash a check without ID:

• Deposit it into your account through an ATM at your bank
• Take advantage of ATM check cashing if your bank offers it
• Sign the check over to someone else

Most banks require your ID be presented before they cash a check, but there’s no standard list for what’s considered an acceptable form of ID. Check with your bank or the bank that issued the check to see if you have a document that they’ll accept as ID.

As a last resort, you can sign the check over to someone you trust and ask them to cash it for you. This creates a third-party check. However, if you choose this option, keep in mind that many banks will require verification that original payee authorized the signing over of the check, by having the original payee present and presenting their ID. Read about how to endorse a check to have a friend cash it for you.

Open a Huntington Checking Account

If you want a basic checking account with no monthly maintenance fee, or an interest-earning checking account, we've got the options that are right for you.

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To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. If the names are separated by a comma, “or,” “and/or,” or nothing at all, you can endorse and cash the check yourself. To cash a check with 2 names separated by “and,” contact your bank or financial institution, since every bank has its own rules about this. You probably will have to endorse the check and get the other party to endorse it, too. Also, you and the other person may have to go to the bank together to cash the check. To learn how to cash a check made out to 2 people if the other person is unavailable, in jail, or dead, read on!

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You don’t have to have an account with Regions to cash checks.

It’s easy to enroll, and there are no fee surprises.

• Simple customer enrollment process
• Full-service check cashing — almost any check, in any amount — even hard-to-cash checks
• No account required
• Pricing: percentage of check amount: 1% to 4% of check amount
• Free load to Regions Now Card® when cashing a check

Regions Quick Guide to Check Cashing (pdf)

Fees, Terms and Conditions:

Branch Check Cashing Fee for Regions Checks:

• $25 or less (excluding Two-Party Business) — no charge
• $25.01 or greater (excluding Two-Party Business) — 1% of check amount ($5 minimum fee and $20 maximum fee)
• Two-Party Business — 4% of check amount ($5 minimum fee)

Branch Check Cashing Fee for Non-Regions Checks:

• Printed Payroll and Government Checks — 1.50% of check amount ($5 minimum fee)
• Other Check Type (handwritten payroll, handwritten person-to-person, two-party consumer and business, refund anticipation, insurance-settlement checks, cashier's official checks, and money orders) — 4% of check amount ($5 minimum fee)

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