Idaho Finance

Aug 31 2017

3 Ways to Pay Bills Without a Checking Account #how #to #pay #bills #without #a


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How to Pay Bills Without a Checking Account

Find a check casher. A check cashier is a store whose main purpose is to cash checks for people. Of course, most of them charge a small (and sometimes not-so-small) fee to cash the check so they can stay in business. If possible, call a few in your area first to figure out which one has the lowest fee. [1]

  • These businesses are most often found in low-income areas, as people in those areas are less likely to have bank accounts.

Cash your check. Often, you will need to cash your check before you can move ahead with paying bills, though with some prepaid debit cards, you can add your check directly to your account. However, if you want to use something like a money order, you’ll need to have cash on hand first. [2]

Pay bills through the check casher. Though in some cases, you may want to use a money order or a prepaid credit card, check cashiers will also sometimes pay bills for you, again for a fee. You just need your account information for bills like your electric or water, including how much you need to pay. The check casher will cash your check and then pay the bill from some of the money. [3]

Pick one that’s right for you. AccountNow and PayPal debit card both offer ways to have a debit card without having a checking account. Both work somewhat like a bank account in that you add money to the account. PayPal debit is free (with the exception of some cash withdrawals), [11] while AccountNow is $8 a month. [12]

Add money to the account. Before you can pay bills, you need to add money to the account. That’s because these accounts are basically prepaid accounts, and so you need something to draw on before you can use it to pay bills, which is one of the bonuses of these accounts. You don’t have to jump through hoops to get these accounts, just sign up. Both accept everyone. [13]

  • With AccountNow, you can set up direct deposit for your paycheck or deposit cash at one of the many locations across the country. [14]
  • With PayPal, one easy way to add money is to buy PayPal cash. Basically, you buy a PayPal card at a place like CVS, Family Dollar, 7-Eleven, or Dollar Tree. It’s just like buying a gift card. Once you have it, you use the number on it to add the money to your account. [15]

Use the debit card to pay bills. Once you have cash in the account, you can use your debit card to pay for your bills. Online, most bills can be paid with a debit card, but you can also go in person to pay the bill if you prefer. With PayPal, you’ll need to apply for the debit card separately from your account, but it’s not difficult to get one. [16]

  • With AccountNow, you can even use it pay bills by sending money, rather than entering your debit card on the bill’s website or in person. The company will send out checks.

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