Where can I cash a check without a bank account?

Okay, we just moved to a small town, and I just received a check in the mail from my previous landlord returning my deposit and some interest :). However, this small town doesn't have a branch of the bank I use, or a Giant Eagle where I have a check cashing card(we moved to be near my inlaws and because my bf got a... show more Okay, we just moved to a small town, and I just received a check in the mail from my previous landlord returning my deposit and some interest :). However, this small town doesn't have a branch of the bank I use, or a Giant Eagle where I have a check cashing card(we moved to be near my inlaws and because my bf got a good job with benefits). I am now a SAHM with no income, and I'm not interested in starting a checking account because I don't and won't have any income. This check is a one time thing. So the bank that has the account(their name is on the check in small print) has a branch in this town, can I go there to cash the check without an account? I'm currently trying to do a settlement with this particular bank because I overdrafted my account by 36 cents, and by the time I was notified, they wanted 170 dollars in late fees, and won't settle for the original 36 cents plus the 35 dollars overdraft fee, which I offered to pay, I just couldn't afford the whole thing for such a little amount. Wal-mart won't cash it cause it's not a payroll check and even though it's a state regulated housing authority, it doesn't qualify as a government check. Will they just charge me a fee to cash it? And how much would this fee be at national city? Thanks!
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