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How To Encash The Cheque If You Don't Have A Bank Account

Discussion in 'General Discussions - USA & Canada' started by gknew, Feb 14, 2020.

  1. gknew

    gknew Gold IL'ite

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    Hi,
    I am in the US and don't have a bank account.
    This is the first time I have received a cheque. I got this cheque from a doctor's office. They said they collected more and sending me a refund. So, I don't know how to encash this when I don't have a bank account.
    Dh also doesn't encash this, since it's in my name. Both the banks are different. Dh account and the sender account.
    What are the ways to encash this? Please only genuine replies.i am also googling it now. Hope I get some answer.
     
    Rihana likes this.
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  2. mangaii

    mangaii Platinum IL'ite

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    Is there is any reason for you to not have bank account ? How do you pay drs ?
     
  3. gknew

    gknew Gold IL'ite

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    Through credit card.
     
  4. MalStrom

    MalStrom Platinum IL'ite

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    Add your name to your husband’s bank account and then deposit the check there.
    You can cash checks at places like a Walmart and some other stores, as well as at check-cashing places but they will charge a fee.
     
    Thyagarajan and gknew like this.
  5. gknew

    gknew Gold IL'ite

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    Thank you!!
    Any idea how much do they charge? Is it minimum amount?
     
  6. abcd5

    abcd5 Silver IL'ite

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    Do you have a social security number?
    If yes, open a no fee checking account online and once you get the login info deposit the check through app.
     
    gknew likes this.
  7. MalStrom

    MalStrom Platinum IL'ite

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    I don’t know how much, but chain stores will be cheaper than the smaller places.
     
    gknew likes this.
  8. Sunshine04

    Sunshine04 Platinum IL'ite

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    ADD YOUR NAME to your husbands account. then you can cash it in you guys joint account
    its easy to do this than standing in walmart queue to encash cheque.
    its for your security also in usa.
    how long have you been living here
     
    gknew likes this.
  9. ragzz

    ragzz Silver IL'ite

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    Yes, this is one question where the above itself will give you the answer. But since you asked here, if you want no transaction fee to be deducted from amount, then you need to open a bank acct in joint name or your name and deposit it. Else ask walmart or other stores what fees and they will give you remaining cash back
     
  10. gknew

    gknew Gold IL'ite

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    Thank you!!!
    I didn't know that this can be done online. I will check it out.
     

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