In our local exchange we can choose the option of cardless ATM without fee, so even we don't have a bank account we can cashout our stored money in the wallet with no hassle. All we just need to do is to verify our Identity.
I don't know this feature yet.
The best way to csahout the btcs for me is on local exchange too, but I need a bank account to send the money to there. It's the best way because the local exchange is a trusted one and make all the service for you for a little fee.
And you can have the btcs converted to your currency very fast on your bank, it's the perfect extra income every month.