During the $600 stimulus I helped a friend file for it on line. She has no bank account and pays no taxes, doesn't even file a return. She received her check in the mail and had another friend cash it. So when she received her $1400 check last week I took her to my bank and they refused to cash it because she had no picture ID. (Claims her purse was stolen) Anyway they told her to try Walmart.. I'm at a loss, haven't a clue how to help her out.
Possibly "Cash Express"? They are everywhere.
The third party endorsement somebody suggested might no longer be an option. There was a time it was common, but now most banks won't accept a third party endorsement on a check because of the high incidence of fraud and because in most states there is like three years or so liability for the bank for accepting a fraudulent check. Your friends' best bet I think is to bite the bullet and just open a bank account and deposit the check.
Unfortunately you need an ID to open an account. I told her to get a new ID. Not sure what she's going to do. Only hear from her every 2 or 3 months...
I lost all of my ID including my SIN card, and adoption papers (no birth certifcate). But I couldn't get my SIN without a birth certificate. I was able to just write a note to OHIP and get a replacement health card through my employer, and they mailed it to me at my address on file, but you cannot use OHIP for ID. I'd get my husband to open the bank account, and apply for the credit card, and add me, and then use the cards for ID.
It took me years to get enough ID to get through life my daily life without being added on my husband's accounts. After 9/11 I couldn't even get on an airplane without photo ID, and I couldn't go to the USA any more. My boss, who had two adopted children of her own, and knew all of the processes, helped me get a birth certificate, and now I have all kinds of ID including a passport.
You would be doing your friend a real service if you can help her get some proper ID. If she has no bank account, she has every dollar she owns on her person or in her house making her a target.