Cash a Check at the Grocery Store
According to the Center for Financial Services Innovation, there may be more than 50 million individuals in America who don't have a bank account. Historically, many of them have relied on their local grocery store as an unofficial financial services center. And at most stores, cashing a check is relatively straightforward.
Instructions
1. Choose a store where you shop regularly, and where you are known. If you have a store card registered with the store, this will help, because the store will already have your ID and address on file.
2. Ask the customer service desk for the store's policies. It may be that the store will only deal with paychecks, or unemployment checks, and will not accept personal checks.
3. Take your photo ID with you when you go to cash your check--preferably a drivers' license. You will also often be asked for your Social Security number. Some stores now have new software that will store your ID information and photo electronically with a record of the transaction, as a way to reduce fraud.
4. Check what kind of fees you will be charged. They may be more expensive than those you would be charged by a bank or check cashing store, but it may be worth it to you in terms of convenience. Some will charge a percentage of the check's value, but others, such as Wal-Mart, charge a flat fee. Wal-Mart's fee for any check up to $300 is $3 as of 2010.
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