What Type of I.D. Do I Need to Cash a Check?

by Bronwyn Timmons ; Updated September 11, 2015

Whether you are trying to cash a personal or payroll check, you will be required to present a valid form of identification to the financial institution. This is to prevent identity theft and is required to ensure the check is not stolen. You are required to use a form of identification that includes a photograph of you so the teller can compare your face to the picture on your I.D.

Whether you are trying to cash a personal or payroll check, you will be required to present a valid form of identification to the financial institution. This is to prevent identity theft and is required to ensure the check is not stolen. You are required to use a form of identification that includes a photograph of you so the teller can compare your face to the picture on your I.D.

Driver's License

A driver's license is the most common form of identification used to cash a check. Not only does a driver's license have a photograph of your face printed on the card, it also has your name, address and other valid information for comparison. A driver's permit is also an acceptable form of identification.

State Identification Card

A state identification card is issued by the government and can be obtained through any Department of Motor Vehicles office. A state identification card is an acceptable form of I.D to use when cashing a check as it contains a photo of you, your name, date of birth and address.

Military Identification Card

Like a driver's license and a state identification card, a military I.D card can be used to cash a check. A military identification card contains all of the information a teller will need to reference to confirm your identity before cashing a check.

Passport

A passport is another commonly accepted form of identification that can be used to cash a check. Most financial institutions will accept a passport in place of a state-issued identification card.

Utility Bill

A utility bill may be required as a second form of identification if the financial institution will not accept your photo identification alone. This may happen if you are using an out-of-state bank or a bank that you do not have an account through. Providing a driver's license, state identification card or military identification card in addition to a utility bill will generally serve as enough proof of your identity to cash a check.

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