A personal check can only be deposited if the payee has an open account at the institution. A prepaid card does not qualify as an account.
Banks allow account-holding customers to deposit personal checks into their account as a service free of charge. Individuals in need of check cashing services without an account have two options. First, they can cash the check at the issuing bank. Banks often levy a fee ranging from $4 to $10 for this service, or a percentage of the amount of the check. Second, the payee can utilize check cashing services. These services generally charge a flat check cashing fee, in addition to a percentage of the check's amount. In either situation, the customer should come prepared with identification.