A cheque may only be cashed if the individual presenting it possesses identification. The Federal Deposit Insurance Corporation requires banks to establish an identity verification procedure. You may be able to cash a check even if you don’t have identification.

Acceptable forms of identification

You will need an ID form from the government to cash a check and show your driver’s license or a state-issued identification if you don’t have one.

You can sometimes use a passport or military ID to identify yourself, but that depends on the bank. Different policies might apply to other banks. Some banks won’t accept any ID issued by the government.

For example, ID forms such as foreign licenses and out-of-state IDs may not be accepted. Two forms of identification may be required, the first being often a utility bill or credit card.

Cash a check without an ID and a bank account

It’s not unusual to see people without a valid ID form. The Brennan Center conducted a survey that found that more than 21,000,000 Americans do not have an ID form with a photograph issued by the government. Other cases include people who have lost or stolen their IDs.

To cash a check, you will need an ID. You should have it on hand. You should contact your bank to find out which one they use. You can also ask your bank if they will accept a specific document as ID.

You don’t need an ID to cash a check, so you don’t have to be worried.

How do I cash your check without an ID

A valid ID is not required to cash a check.

To cash a check, for example, use a mobile app. Link your bank account or prepaid accounts to the app.

It all depends on the app you choose.

You can give the check to someone you trust. The original payee must also provide a photo ID.

You can cash your check without ID if you are:

  • Transfer it
  • ATM cashing is available at your bank
  • You can deposit it in your account through an ATM at a bank.

Without a photo ID, you cannot withdraw or deposit money

Even if you don’t have the ID document required, you can still deposit the check into your account.

You can deposit a cashier’s check, and your funds will be available within 24 hours. TD Bank will also allow you to access $100 of your first deposit.

ATM Check Cashing Without an ID

Automated teller machines are often a blessing as they allow you to deposit cash and allow cash checks.

If you have a Regions Bank checking, prepaid, or debit card, you can deposit your check and cash it at an ATM. All remaining funds will be available in your checking account.

Cashing your check doesn’t require identification. Always have your debit card handy.

Signing the check over

Signing the check to someone else will allow you to cash it without an ID. Next, add the name and contact information of the person you trust.

Here is where you’ll sign the check.


If you don’t have a valid ID, you may feel panicked. You may feel panicked if you don’t have an ID.

This is through signing the check to someone making a withdrawal or deposit or even cashing checks at an ATM.

Jason Rathman

Jason Rathman


Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth knowledge of all things financial, he is a great asset to Greendayonline.