To cash a check as a minor without ID, you need to ask your parent or legal guardian to endorse the check then deposit it in their bank account and give you the money.
In a hurry?
Listen to this audio summary
Received your first paycheck as a minor or got a generous gift as a check?
Then you might be wondering how to cash it. Worry no more. Because in this post on how to cash a check as a minor without ID, I will write about every possible way to cash a check as a minor and all the related questions.
Can You Cash A Check As A Minor Without ID By Yourself?
No, in most cases you can not cash a check as a minor without ID by yourself. Because minors can not have a bank account by themselves and they don’t have an ID either. According to Federal Law,
Anyone below 18 can not sign a binding document with a financial entity.
Although the check you receive in your name as a minor is not a binding document. However, to cash it, you need a bank account. Though some credit unions allow 16 or older teenagers to have an account.
So, as a minor, you can cash a check by only yourself only if you have an account in those credit unions. Then how can a minor cash a check without ID?
Check Out Acceptable forms of ID to cash a check
How To Cash A Check As A Minor Without ID
Though a minor can not cash a check without ID. However, cashing a check in the name of a minor is possible. Here is how to cash a check as a minor without ID
Take help from Your Parents or Legal Guardian
In case you don’t have an ID and you are a minor then the easiest way to cash a check is to take help from your parents. Here is how you can cash a check with the help of your parents
- Tell your guardian to endorse the Check
- Then they need to show their ID and deposit the check in their bank account.
They might need to take your birth certificate with them to the bank to prove their relationship with you. So, ask them to contact the bank first.
If everything is ok then they will receive the check amount on their account within 3-5 days and you can take your money from them.
In Case You Have A custodial account or joint bank account
If you have a custodial account or joint bank account then cashing the check will be a lot easier. Because in that case your parent just need to sign the account and deposit the check to your custodial account.
Within 5-7 days the check money will be added to your custodial or joint bank account. Then you can ask your parent to cash the check amount for you.
If You Have A Checking Account
As I have mentioned before, some credit unions allow teenagers above 16 to open a current account. So, if you are one of the lucky ones to have a bank account in your teenage then contact your credit union. Ask your bank what you will require to cash a check.
Then go to your credit union with the required documents and deposit the check to your account. Within 3-5 days the check money will be added to your account.
These are the 3 easy methods on how to cash a check as a minor without ID. But can you do it online?
How To Cash A Check As A Minor Without ID Online
Unfortunately, as a minor, you can not cash a check online without ID. Because most check cashing apps do not allow minors to open an account.
However, in case you have a current account in a credit union that has a banking app only then you might cash a check online as a minor. But your credit union app must have a check cashing feature.
Also check, What app can I use to cash a check without ID?
Now let’s have a look at some of the frequently asked questions.
Can My Mom Cash My Check At Walmart?
No, your mom can not cash your check at Walmart if you are a minor. Because according to Walmart’s check cashing policy, they don’t cash personal checks, endorsed checks, handwritten checks, and third-party checks.
So, your mom can not cash your check at Walmart.
Can I Cash A Check Alone At 16?
No, you can not check cash alone if you are 16 in most states. However, some states and credit unions allow 16-year-olds to open checking accounts.
So, if you have an account then you might be able to cash a check alone. But you might need your birth certificate or driving license with you.
Check cashing As A Minor Without ID is possible but you have to take a lot of hassle. So, if you are receiving a paycheck as a minor then either ask your employer to cash the check for you or ask them to write the check in your parent’s name. It can save you a lot of trouble.