Você deve ser capaz de descontá-lo em qualquer agência do banco em que o cheque foi sacado. Geralmente, sem uma conta, seriam solicitadas duas formas de identificação de foto (passaporte, carteira de motorista, cartão de crédito com foto, identificação de universidade), e eles poderiam cobrar uma taxa (ou não há nenhuma, ou pode ser dispensada explicação da circunstância).
E uma resposta mais abrangente, em um artigo de Simon Zhen em US News & Relatório Mundial :
How to Cash a Check Without a Bank Account
Here are the cheapest ways to cash a check, sans a bank.
Check-cashing stores. Local mom-and-pop stores often come to mind when you search for checking-cash services. However, they can be costly.
Some check cashers may impose a fee equivalent to a percentage of the check value. Others may charge a flat fee in addition to a percentage fee. For large checks, these check-cashing facilities can be rather expensive.
For instance, to cash a $1,000 check, a $5 plus 1 percent fee means you’ll pay $15 for the check-cashing service. Other places are likely to have lower fees.
The check-issuing bank. A bank will only cash a check for a non-customer if a check is issued by that specific bank. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. For instance, TD Bank charges $5 whenever a non-customer wants to cash a TD Bank check. Meanwhile, Citibank doesn’t impose a fee when a non-customer wants to cash a Citibank check under $5,000.
More often than not, a non-customer will be persuaded to open an account with the bank to avoid paying the fee.
Retailers. Major retailers, such as 7-Eleven, Wal-Mart and some supermarket chains, offer check-cashing services, which likely cost less than those available at check-cashing stores and banks.
At some 7-Eleven locations, you can find kiosks that let you cash checks for a flat 0.99 percent convenience fee. Wal-Mart charges $3 for checks of $1,000 or less and $6 for checks greater than $1,000 and no more than $5,000. (The limit increases to $7,500 from January to April for tax refund checks.)