What type of customer is permitted to exchange funds without having an account?

The correct answer is for non-customers who are permitted to exchange funds without having an account. Banks often provide services like cashing checks or facilitating money transfers to individuals who do not hold an account with them, although certain restrictions may apply. This service can be critical for people who need immediate access to funds or who might not have a bank account due to various reasons, including personal choice or lack of access to banking services.

It's important to note that while account holders can perform a wide range of transactions with fewer restrictions due to their established relationship with the bank, and business customers may have some special facilities, the question specifically focuses on those without any accounts. Therefore, non-customers are the specific group mentioned as being able to engage in this type of transaction, making this answer the most accurate in context.