Where Can You Cash Your Stimulus Check if You Don't Have a Bank Account?

May 3, 2020

As a new month begins and the bills that come with it once again approach during the coronavirus pandemic, taxpayers continue to cash their stimulus checks.

Many are receiving their stimulus checks by direct deposit, while others are getting a paper check in the mail.

What if you don’t have a bank account? Where can you cash your stimulus check?

If you do not have one, there are several options to cash your check without having a bank account.

Forbes reported that an easy option would be by visiting your local Walmart. Throughout the United States, most Walmart Supercenters and other markets have check-cashing services.

While cashing a check over $1,000, people can have a maximum $8 fee. If you have a stimulus check below $1,000, the cashing cost is only $4.

When arriving at the store, you must bring your check and valid ID to the Money Services center or customer service desk. The store clerk can then deposit the balance onto a Walmart MoneyCard.

Several supermarket chains can cash significant balances, including your stimulus check or tax refund.

The Kroger company brands that will cash your stimulus check for free are:
• Kroger
• Fry’s
• King Sooper’s
• Smith’s
• City Market
• Ralph’s
• Gerbes
• Bakers
• Dillons
• Pay Less
• Fred Meyer
• Pick ‘N Save
• Metro Market

At certain supermarkets, you may be able to only cash check balances up to $5,000.

PayPal is temporarily waiving its check-cashing fee. The fee waiver is for stimulus checks, pre-printed payroll checks, and tax refunds. Each check has to be $5,000 or less to cash with PayPal. Cashing your check may be the easiest option because you can pay it from home with a smartphone, functioning camera, and the app.

People that have the app can click on “More” and then “Cash a check.” The last step is taking pictures of the front and back of the check with your phone to submit.

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