If you’ve lost your ID or have it stolen, you may be wondering what else you can use to cash a check. In this article, we’ll look at whether you can cash a check with a social security card and tell you exactly which types of ID you may need at various places in order to cash a check.

In This Article

Can You Cash a Check with a Social Security Card?

Unfortunately, a social security card is not a valid form of ID for check cashing. While many grocery stores, check cashing stores, and other check cashing locations may require a valid social security number or individual taxpayer identification number (ITIN) in order to cash a check, they always require a form of photo ID as well. This is because social security cards can easily be stolen and are easy targets for identity theft, as they have no photo included.

The only exception may be certain check cashing stores that have very lenient rules. However, even these stores will require you to verify your identity through multiple means and provide photo identification of some sort.

Which Forms of Identification Are Accepted for Check Cashing?

In most cases, you’ll be required to provide a current, valid government-issued photo identification in order to cash a check. Accepted forms of this type of ID include:

  • Driver’s license or photo learner’s permit
  • State‐issued non-driver ID
  • Military ID
  • Permanent resident or resident alien card (green card)
  • Matricula consular ID
  • U.S.-issued passport
  • Tribal ID

Other forms of ID such as photo IDs from employers or schools may be accepted on a case-by-case basis, depending on individual financial institution branches or store locations. However, when you provide a non-government photo ID, you’ll typically need to provide an additional form of ID such as a debit or credit card in your name, a utility bill, or a piece of government mail with your name and current address.

For more information on how to cash a check if your ID options are limited, check out our article How to Cash a Check Without ID or Bank Account.

ID Requirements for Banks

Banks usually have different ID requirements for account holders and non-customers. If you have a bank account, your bank won’t typically require that you show ID in order to cash checks — you’ll probably just need your account number. However, if you’re a non-customer, you’ll likely need to show a government-issued photo ID and you may have to pay a check cashing fee.

Here’s the list of major banks and their ID requirements for cashing checks.

1. Bank of America

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Two forms of ID, including one current government-issued photo ID. Acceptable second forms include debit card, credit card, and utility bill.
  • Check cashing fees for non-customers: $8 per check
  • Source: Bank of America financial center FAQ and customer service
  • Find your nearest Bank of America

2. BB&T Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers: For checks drawn on BB&T Bank: free up to $50; $8 for checks over $50. Non-customers cannot cash checks that weren’t issued by BB&T.
  • Source: Customer service
  • Find your nearest BB&T Bank

3. Chase Bank

4. Citibank

5. Fifth Third Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Two forms of ID, including one current government-issued photo ID. Acceptable second forms include debit card, credit card, and utility bill.
  • Check cashing fees for non-customers: 1% of the total check amount; maximum $4 fee
  • Source: Customer service
  • Find your nearest Fifth Third Bank

6. HSBC

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers: Free for HSBC personal checks. For all other checks, $3 for up to $100; $5 for checks over $100
  • Source: Customer service
  • Find your nearest HSBC

7. KeyBank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers
    • Regular KeyBank branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Source: KeyBank Plus Check Cashing page and customer service
  • Find your nearest KeyBank (to find a Plus center, select Show Filters and check the KeyBank Plus box)

8. M&T Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers: 3% of the total check amount; minimum $3 fee
  • Source: Customer service
  • Find your nearest M&T Bank

9. PNC Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers: Free for checks drawn on PNC Bank. Non-customers cannot cash checks that weren’t issued by PNC.
  • Source: PNC Bank Fee Schedule
  • Find your nearest PNC Bank

10. Regions Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Free Regions Now card required for cashing checks. To get a Regions Now card, you’ll need a current government-issued photo ID, valid Social Security number and email address, and a funding source (either a debit card, credit card, or checking account). Apply for the Regions Now card.
  • Check cashing fees for non-customers: 1% to 5% of the total check amount, depending on the type of check being cashed
  • Source: Regions Now Banking Check Cashing page
  • Find your nearest Regions Bank

11. SunTrust Bank

12. TD Bank

  • ID requirements for account holders: Account number
  • ID requirements for non-customers: Current government-issued photo ID
  • Check cashing fees for non-customers: $7 per check
  • Source: TD Bank help center
  • Find your nearest TD Bank

13. Wells Fargo

ID Requirements for Grocery Stores

If you’d like to cash your check at a grocery store, the following list will help you determine what type of ID you’ll need in order to cash checks at these locations.

1. Albertsons

2. Food Lion

3. Hannaford

  • ID requirements for check cashing: Current government-issued photo ID. You must apply for check cashing privileges at any Hannaford location, and approval takes around five business days to process.
  • Check cashing fees: Vary by location
  • Source: Hannaford Check Cashing
  • Find your nearest Hannaford

4. Hy-Vee

5. Kmart

6. Kroger

Note that the Kroger family of stores includes Baker’s, Dillons, Fred Meyer, Fry’s Food, King Soopers, Ralphs, and Smith’s. Check cashing rules are the same at all of these stores.

7. Meijer

  • ID requirements for check cashing: Current government-issued photo ID and enrollment in the Certegy verification system (seven-day waiting period required after enrollment for cashing checks)
  • Check cashing fees: Vary by location
  • Source: Meijer website’s Help section
  • Find your nearest Meijer

8. Publix

9. Safeway

10. Shaw’s

11. Walmart

12. Winn-Dixie

ID Requirements for Check Cashing Companies

Here’s the list of major check cashing stores, along with their ID requirements for cashing checks.

1. ACE Cash Express

2. Check Into Cash

3. Check ’N Go

  • ID requirements for check cashing: Current government-issued photo ID
  • Check cashing fees: Starting at 1.99% of the total check amount
  • Source: Customer service
  • Find your nearest Check ’N Go

4. Community Financial Service Center

5. Money Mart

  • ID requirements for check cashing: Current government-issued photo ID
  • Check cashing fees: Vary by location, check type, and check amount
  • Source: Customer service
  • Find your nearest Money Mart

6. Mr. Payroll

  • ID requirements for check cashing: Current government-issued photo ID
  • Check cashing fees: Vary by location, check type, and check amount
  • Source: Customer service
  • Find your nearest Mr. Payroll

7. PLS Check Cashing

8. Speedy Cash

9. United Check Cashing

  • ID requirements for check cashing: Current government-issued photo ID
  • Check cashing fees: Vary by location, check type, and check amount
  • Source: Customer service
  • Find your nearest United Check Cashing

In Summary

You may need to provide your Social Security number to cash a check, but your Social Security card itself is not an accepted form of ID for cashing checks. You’ll typically need a valid, government-issued photo ID to cash checks at most places, although there are some alternate forms of photo ID that may be accepted with a second form of ID. If you’re not sure what you may need, it’s a good idea to contact the specific location you’d like to cash your check ahead of time to learn more about their specific identification requirements.