Yes, you can cash a check with an expired ID. However, your options might be limited.
In a hurry?
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Trying to cash a check quickly? But you only have an expired ID. So, you might be wondering, can you cash a check with an expired ID?
Well, no worries. Because in this post, I will answer, Can you cash a check with expired ID? If so then how to cash a check with an expired ID, where can I cash a check with an expired ID, and all the related queries. So, stick with me till the end.
Let’s start by answering, Can I cash a check with an expired ID?
Check out Can you deposit a check without ID?
Can You Cash A Check With An Expired ID?
Yes, it’s possible to cash a check with an expired ID. But the amount you can cash might be limited to $10,000 or less and only a few banks will let you cash a check with only your recent expired IDs.
In the United States, there is no legal requirement for a valid ID to cash a check for smaller amounts.
However, banks, credit unions, and other financial institutions have the right to set their own policies. As a result, most banks and financial institutions set up a policy to have a valid ID for cashing a check. But why?
Why Do Financial Institutions Require A Valid ID To Cash A Check?
Banks and financial institutions require a valid ID for check cashing to minimize the risks. Because in case the check bounces then banks have to find you from the ID address or they will be liable for the check amount.
On the other hand, the information on an expired ID is considered unreliable. Your face might not match, your address might be changed and there are many issues.
Moreover, check fraud is pretty common. According to Relyco
The FBI estimates that losses from check fraud total $18.7 billion annually.
So, most banks, credit unions, and check-cashing stores will ask for a valid ID to cash a check. Now let’s look at acceptable forms of ID to cash a check
Acceptable Forms Of ID To Cash A Check
Here are the IDs most banks and check cashing stores accept
- Valid Passport
- State ID
- Driving License
Some banks might accept secondary IDs such as
- Your Social Security Number
- Military ID
- Driving permit
- Employment ID
However, the acceptable form of IDs will defer depending on the bank or financial institution. By now we have found the answer to, Can I cash a check with an expired ID? So, where can I cash a check with an expired ID?
Where Can I Cash A Check With An Expired ID?
You can cash a check with expired IDs at a bank you already have an account or the check issuing bank. Moreover, you can cash it at local check cashing stores, gas stations, ATMs, and check cashing apps.
Different banks, credit unions, retail stores, and check cashing joints have different policies regarding expired IDs. So, it’s hard to tell an exact location.
However, your bank will surely cash a check if you have an expired ID. Because they have already verified your address and they can easily locate you. Moreover, local stores that previously dealt with you might also accept a check with an expired ID. You can also deposit the check at an ATM.
Check cashing joints, retail stores might also cash checks with expired IDs. But they might ask for secondary IDs like your Employment ID. Lastly, you can also cash a check with check cashing apps with an expired ID.
Now let’s find out how can I cash a check if my id is expired.
How To Cash A Check With An Expired ID
As only a few banks and check cashing stores accept an expired ID to cash checks. So, here are some simple tricks for cashing check with expired IDs
Use Your Bank or Credit Union
Your bank will accept a check from you even without an ID. So, go to your bank endorse the check and deposit it to a bank teller. If everything goes right then the check money will be deposited to your account.
Go To the Check Issuing Bank or Credit Union
The check issuing bank might also cash the check for you. Because it’s easier for them to verify the check. They might as well accept a recently expired ID for check cashing. If not then offer them a valid secondary ID with your photo and recent address on it.
Call Check Cashing and Retail Stores
In case, you don’t have a bank account and there is no branch of the check issuing bank near you, then you can try your luck with check cashing stores.
Try calling your local check cashing stores and retail stores and ask them whether they will accept an expired ID. If not, then what will they accept?
Then go to the location with all the required documents and cash your check with an expired ID. However, local check cashing stores or gas stations might charge you more for the expired ID.
Try Check Cashing Apps
In case none of the above things do not work for you then use an instant check cashing app. Open an account, and take a photo of your check and ID. Then submit. Check cashing apps should accept it and deposit the amount to your account.
Use Third Party Check
In case the other options are not right for you then, endorse the check to a friend’s or family member’s name. Then go to a store that cashes third-party checks and cash the check.
These are some of the methods on how can I cash a check with an expired ID. It’s time we look at some of the related queries.
Here are some of the frequently asked questions related to Can you cash a check with an expired ID?
Can I Cash A Check With A Temporary ID?
Yes, you can cash a check with a temporary ID. temporary IDs are provided when your real ID is getting ready. So, they are considered valid. However, in some instances, you might face difficulties as temporary IDs do not contain a picture. If you face such issues then offer a secondary ID.
Where Can I Cash A Check With A Temporary ID?
You can cash a check with a temporary ID at any bank, credit union, retail store or check cashing store. However, to be on the safe side it’s better to cash the check at your bank or the check-issuing bank. Moreover, before going to a location for check cashing with a temporary ID, please call them and make sure they accept it.
Can You Cash A Check With An Expired License?
Yes, you can cash a check with an expired license at your bank or the check-issuing bank. Moreover, some check cashing stores and retail stores might also accept it. To be on the safe side please carry a valid secondary ID with your photo and address.
Can You Cash A Check With A Picture Of Your ID On Your Phone?
No, you can not cash a check physically with a picture of your ID on your phone. Because most banks, credit unions, and check cashing stores will require a real physical ID. So, it’s not possible. However, you can use a check cashing app and easily cash a check with a picture of your ID.
Will Walmart Cash Check With Expired ID?
No, Walmart will not accept an expired ID for check cashing. Because Walmart’s check cashing policy requires a valid ID. However, you can try your luck at your local Walmart store if the staffs know you well.
Though it can be difficult to cash a check with an expired ID. But it’s certainly possible. You might just need to go the extra mile to cash it. Lastly, it is always suggested to keep your IDs up to date for avoiding any dire situation.