How to Send Money Without a Bank Account
No bank account? No worries. Whether you’re underbanked or just want a speedier, more convenient way to get your cash, check cashing services provide an easy solution. Here at Cheque Express, you can get your checks cashed immediately and safely—without setting foot inside a bank.
Why You May Need to Send or Access Money Without a Bank Account
Who Are the Unbanked or Underbanked?
Millions of individuals lack a conventional bank account. This may be a result of limited paperwork, previous financial troubles, or merely because they prefer using cash. They are usually categorized as being unbanked (no account whatsoever) or underbanked (they do have an account but infrequently use it).
Typical Situations When Bank Accounts Are Not Feasible
- You’re paid in the form of a check but lack a checking account upon which to deposit it
- You’ve recently moved haven’t opened a bank account yet
- You’re facing issues with banking fees or credit requirements
- You need instant access to your money, not a 3–5 day bank clearing period
Trusted Ways to Send or Access Money Without a Bank Account
If you’ve been issued a check but don’t have an account—or if you’re making a cash payment to someone—here are your best choices:
1. Check Cashing Services (Such as Cheque Express)
You can visit Cheque Express with a valid check—payroll check, government check, business check, or refund check—and receive cash immediately, no account required.
- No holds, no waits
- No bank account to open
- Instant access to your money
2. Send Cash via Cheque Express Branches
Most Cheque Express branches have money transfer facilities as well. After you’ve deposited a check, you can send cash immediately to a friend or family member locally or overseas.
3. Purchase Money Orders Using Cash
Don’t want to mail physical cash? After your check is cashed, you can use the cash to buy a money order and send it securely.
Why Use Cheque Express for Your Check Cashing Services
Here’s why thousands rely on Cheque Express for quick, easy money services:
- Get Paid Instantly – No waiting for funds to clear like banks
- Open Every Day – Even on holidays and weekends
- Clear Fees – You’ll know precisely how much you’ll get before you sign
- All Check Types Welcome – Government, payroll, personal, and more
- ➔ No Account, No Issue – Just your check and ID
How to Cash a Check with Cheque Express – Step-by-Step
Step 1: Go to a Local Cheque Express Branch
Locate a branch close to you—many operate 7 days a week.
Step 2: Bring Your Check and Valid ID
Acceptable ID usually includes a passport, driver’s license, or government-issued photo ID.
Step 3: The Team Will Verify Your Check
Cheque Express staff will quickly verify the authenticity of your check.
Step 4: Get Cash in Hand
Once approved, you’ll receive your money right then and there. No need to wait for bank processing.
Tips for Handling Money Safely Without a Bank Account
Use Trusted Providers Like Cheque Express
Avoid cashing checks through unknown or unlicensed places. Cheque Express is experienced, licensed, and professional.
Always Keep Your Receipt
It’s your proof of transaction—keep it safe for records or follow-ups.
Double-Check Check Details
Before visiting, make sure the check is signed properly and your ID matches the name on the check.
Understand the Fees
Cheque Express charges a low, upfront fee for service. Request ahead of time to avoid surprises.
Final Thoughts
No bank required. You’ve just gotten paid. Your tax refund. Your government benefit check—Cheque Express makes it quick and easy to cash that paper. No waiting. No account required. Just great service when you need it.
Frequently Asked Questions
Yes. Cheque Express excels at cashing checks without an account.
You can cash payroll, government, refund, insurance checks and more.
Most checks are processed and paid out immediately—no delay.
Carry a government-issued document like a passport, driver’s license, or national ID card.
No. Cheque Express gives you upfront fee information prior to going ahead.
