If the payee’s name is linked by “or,” it is feasible to cash a two-party check without the other person’s signature. If the payee’s name includes the word “and,” the payment will be delayed.. Regions Bank: Regions Bank has a check-cashing service that doesn't require an account with the bank. If you're cashing a Regions check, the fee will vary from $0 to $20, excluding two-party checks.

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