![]() Still, many allow you to deposit checks digitally through mobile banking apps. Online banks typically don’t have branches you can visit to cash a check (or offer very limited branch access). ![]() If you bank locally, you can cash a check in person, but many banks also allow you to do this through an ATM if you prefer. Plus, most banks offer check cashing for free to their customers. How to Cash a Check at Your Bank or Credit UnionĪn account with a bank or credit union gives you a trusted spot to cash or deposit a check. If you’re depositing all or part of the check into your bank account, you need to fill out a deposit slip provided by the bank. At a bank or credit union, this is the teller. ![]() Hand your check and ID to the representative helping you. To endorse the check, sign your name on the blank line located on the back of the check. This is the first step to take after you’ve arrived at the location where you are cashing the check. You don’t need to know how to write a check, but you need to endorse it. Generally, the only time you don’t need an ID is to deposit a check through an ATM or sign it over to someone else. Typically you’ll need an accepted form of ID to cash a check, like a driver’s license or government ID. The process of cashing a check can vary depending on the financial institution or store you choose.
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