Who Can Cash a Check Without Identification?


Quick Answer

Consumers with existing accounts at financial institutions that keep customer identification on file do not need their identification on hand to cash checks. According to the FDIC, banks have the option of retaining customer identification for customer verification and anti-identify theft purposes.

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Full Answer

Under the Uniform Commercial Code, banks are held accountable for developing individual policies necessary for confirming the identity of anyone attempting to cash a check. Financial institutions may require proof of vehicle registration or major credit cards in addition to more traditional forms of identification. Alternative methods for cashing checks without identification include an ATM and teller deposit, but the entire amount may not be available immediately.

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