It’s called chex systems and very few people are aware of this place. To make it brief, once on that it is impossible to open a bank account almost anywhere. And you stay on chex systems no matter what you do to remedy it. Cashing at any retail place poses another nightmare lurking in the shadows. If you run a check through a store it’s not the person who issues u the check that will burn if it bounces, it’s solely your problem. You are sentenced to a little place in a data bank i call hell but known to very few. I listed the 2 i’m familiar with above. Get in either of those data banks and you’re sunk writing a check anywhere that has the technology to scan a check. You can get off both of these but it’s a hassle and they charge you, takes almost a month to do it. The place to cash a check without your own account is the bank listed on the top of that check only. They cash it and it’s their problem, period. When i was in chex systems and having the check cash nightmare so many people were blind when i mentioned chex systems. Those bank accounts and transfers are a nightmare, you damn near need a notary and a bank ceo to let you close an account safely. Look into chex systems — I encourage you all.