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.