Losing your ID can make cashing a check difficult — but not impossible. In 2025, several stores and mobile apps allow check cashing with alternate verification, prepaid cards, or photo-based identity checks. This guide explains how to cash a check without a physical ID, which locations might help, and the safest digital alternatives to avoid delays.
Do You Need an ID to Cash a Check?
Most banks and check-cashing retailers require a government-issued photo ID to prevent fraud. However, if yours is expired, lost, or unavailable, you may still have options — especially for payroll or government checks.
- Some retailers can verify identity through store loyalty data or electronic systems.
- Apps can confirm your identity by comparing a live selfie to a past record.
- Prepaid cards allow you to deposit checks online without showing physical ID in person.
1. Cash a Check Using Mobile Apps
Several digital platforms let you deposit or cash checks using only your phone’s camera. Once verified once, you usually don’t need to re-upload an ID each time.
- PayPal – Cash payroll and government checks with Ingo Money verification.
- Venmo – Accepts mobile check deposit after identity setup.
- Cash App – Lets verified users deposit checks directly to their balance.
- Ingo Money App – Works with most prepaid and mobile wallets for instant deposits.
2. Use a Prepaid Debit Card
Prepaid cards often let you deposit checks through their mobile apps without needing in-person ID. Once the check is approved, funds appear on your card balance — usable for purchases or ATM withdrawals.
- Green Dot Visa® – Mobile deposits and retail reloads with light verification.
- Netspend® – Accepts check deposits via Ingo Money after one-time setup.
- Bluebird® – Free mobile check deposit and easy account verification.
If you’ve already verified your prepaid account in the past, you can deposit new checks even if your ID is temporarily unavailable.
3. Try Check-Cashing Stores with Alternate Verification
Some brick-and-mortar check-cashing centers can verify identity through electronic databases if you’ve used their service before.
- ACE Cash Express – Can locate previous customer records to verify identity.
- Check Into Cash – May accept expired IDs for recurring customers.
- Advance America – Offers alternate verification for payroll or government checks.
Call ahead — policies vary by state and manager discretion.
4. Endorse the Check to Someone You Trust
If all else fails, you can endorse the check to a friend or family member who has valid ID.
Write on the back:
“Pay to the order of [Name Here]” and sign underneath. They can then cash or deposit it for you. Many stores, such as
Kroger or Walmart, accept third-party checks only if both people are present with matching signatures.
5. Deposit the Check to Your Bank’s ATM
If you already have a bank account, you may be able to deposit the check at your bank’s ATM without showing ID — as long as you have your debit card and PIN. Deposits are verified electronically, and funds appear in your account once the check clears. See our
ATM Deposit Guide for timing details.
6. Convert the Check into a Money Order
Some retailers let you buy a money order using your check as payment, then cash or deposit the money order elsewhere. For example,
CVS MoneyGram locations can issue money orders once they verify the check’s authenticity.
Tips for Cashing Checks Without ID
- Use mobile apps linked to verified accounts.
- Stick with payroll, government, or cashier’s checks — personal checks often require ID.
- Always endorse the check clearly in the proper space.
- Keep screenshots or receipts for digital deposits.
Final Thoughts
You can cash a check without an ID in 2025, but options depend on your situation. Digital wallets and prepaid cards make it easiest, while select check-cashing stores and trusted endorsements still work in person. For related help, read our
No-Bank Check-Cashing Guide or explore our
Complete Check-Cashing Resources to find stores open late or on weekends.