this post was submitted on 30 Jun 2024
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Canada
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You are not required to put money into an account with a financial institution, but it does make basically everything in life easier if you do.
Can you require your workplace to pay you in cash or something?
That will depend on the laws where you live.
Where I live, the employer needs to get permission to pay you electronically, and they can pay by cash, cheque, or direct deposit.
If you don't consent to electronic means, they are likely going to pay you by cheque. You don't need an account to cash cheques, it is just much more of a burden.
Fees on cashing checks?
That is part of the burden I previously mentioned. If you are being paid by anything other than cash, it is less expensive to just have a bank account.
Some credit unions will allow you to cash cheques issued from their accounts in person without a fee, some institutions will cash their own cheques with a fee, and your final option is the predatory loan places.