Can I cash a government check at a bank without having a bank account anywhere? It is a substantial amount of backpayment from SSDI.

  • Depends on several factors, least of which is your jurisdiction, the bank's policy (not all allow it and not all do it for free) and type of check (being a government check tends to ease the problem for most institutions but also makes some of them worry about counterfeits). Your best bet is to check with a bank near you if they allow it or not, and if they charge for it or not, there is no single rule to govern them all about this. Jul 4, 2015 at 21:18
  • Generally the bank, for very obvious reasons, wants evidence that you are the person the check was made to. Having an account lets them show they did "due diligence" for that purpose. It protects them, and it protects you should someone steal the check.
    – keshlam
    Jul 4, 2015 at 21:59

1 Answer 1


A bank needs to make sure they won't lose money by cashing a check. When you have an account with a bank and you cash a check, if the check ends up not getting paid, the bank will take the money back out of your account. This could happen for a number of reasons: the check could bounce (not enough money in the check writer's account), it could be a fraudulent (fake) check, or the payment could have been stopped on that check.

Treasury checks are more problematic for banks than private checks; the government has given themselves more power to refuse to pay a check than the average person has. As a result, banks are already overly cautious about cashing treasury checks. The fact that you have a big check increases the risk for the bank.

You'll have to ask around at different banks to see what they will do for you and what type of fee (if any) they will charge. Some banks might cash it for a fee; others might require that you open a savings account and wait a certain number of days after depositing the check before withdrawing your money.

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