Without your own bank account, you can’t just walk into a local branch to deposit a check. With some banks, you can even use their app to take a quick picture of the check and deposit it from your phone. When you have a bank account, cashing a check is super easy. That means if you’re one of the 7% of people in the United States without a bank account, then managing your money, especially cashing checks, is a bit trickier. Most of these require a linked bank account. These days, the majority of financial transactions take place online.Įven exchanging money between family and friends is now done through online apps like Venmo, PayPal, or Zelle.

Trying to cash a check when you don’t have a bank account is a huge pain.

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