Reasons for Thumbprint

• Many banks have begun requiring a thumbprint to cash a check as an additional form of identification. One reason they do this is to deter criminals who are less likely to give a thumbprint on a check that is forged or stolen because it gives evidence on who actually cashed the check. Most banks only do it on checks when the person does not have an account at the bank. The checking or savings account can stand as another piece of identification.
  
  

Cashing a Check at a Bank

• When cashing a check at a bank where you don't have an account, the teller might ask you for two forms of identification in addition to a thumbprint. Because thumbprints are required, most banks will no longer cash a check through a drive-through window. The bank will have a small inkpad for you to press your thumb on and then you will press it onto the front of the check. If you choose not to apply a thumbprint to your check, the bank does have the right to refuse to cash your check.
  
  

Cashing a Check at a Store

• Some stores might require your fingerprint or thumbprint to cash your check as well. As of 2011, a system exists that scans your fingerprint when you cash a payroll check. This system registers your information the first time you cash a check at the store and then verifies you each time you cash a check afterward. Some stores may not require a fingerprint. However, most stores will only cash government or payroll checks and have limits on the amount they will cash. The fee may go up if your check is larger.
  
  

Avoiding the Thumbprint

• If you do not want to give your thumbprint to cash a check, you will need to open a bank account and run the checks through your account. If you are trying to cash a personal check, you will need to give the thumbprint if that bank requires it if you do not have a thumbprint. Another option is to sign up for direct deposit, to use PayPal or to request cash as a payment in person.