Banking has changed with the times. Today, we have ultra-modern payment and money transfer methods like PayPal, Venmo, Zelle, EMV-enabled debit and credit cards, and digital wallets like Apple Pay, Google Pay, and Samsung pay that allow users to transact touch-free.
Despite all these changes, checks are still used. Per , Americans cashed an average of 14.7 million checks per day in 2020 totaling $30.8 billion. So if you’ve received a birthday check from your grandma or a personal check from your side hustle, you aren’t the only one.
The good news is that mobile check cashing apps like Ingo Money have made it easier than ever to cash a check thanks to the Internet and cutting-edge financial technology.
Whether you received a wage check, a stimulus check, or a government check, you may cash it swiftly and conveniently on the go with your smartphone’s camera, avoiding a trip to the bank that would otherwise be required.
What Is A Check Cashing App?
- What Is A Check Cashing App?
- What Mobile Check Cashing Apps That Don’t Use Ingo?
- 1. The Check Cashing Store
- 2. Local Bank Mobile App
- 3. AnytimeCheck
- 4. Boost Mobile Wallet App
- 5. Netspend
- Factors To Consider When Choosing A Check Cashing App
- How does the IngoMoney App work?
- What Other Check Cashing Apps Use Ingo?
- Are There 24-Hour Check Cashing Places Near Me?
- How Does Walmart Check Cashing Work?
- Why Won’t Ingo Cash My Check?
- Check Cashing Apps Summary
A check cashing app is a phone app that allows you to cash checks within minutes using your mobile device. It allows you to cash checks without having to go to a physical location. This can be a convenient option if you don’t live near a bank or if the bank doesn’t have hours that fit with your schedule.
You may cash checks from any major bank using a check-cashing app, and the money will be deposited into your account immediately. There are a variety of check-cashing applications to select from, so be sure you pick one that is perfect for you.
Some apps charge a fee to cash checks, while others do not. The majority of these applications charge a set price per transaction, and some even provide savings to customers who cash checks frequently. Before choose which app to use, understand the terms and conditions of each one.
So, how did we end up where we are now?
It all started with Ingo Money, a popular smartphone software that allows users to cash checks without ever having to visit a bank, credit union, or 24-hour check-cashing business. Instead, take sharp photos of the front and back of your cheque and deposit it to your bank account or prepaid card using remote deposit.
The appeal of Ingo Money originates from the simplicity and variety it provides to customers. The program is sophisticated enough to let you deposit checks into a linked bank account, use a PayPal account debit card, credit card, prepaid card, or Amazon gift card, and even withdraw money through MoneyGram money transfer stations.
But, such comfort comes at a cost. Check deposit costs at Ingo Money, for example, start at $5 and can range from 2% to 5% of the check’s face value, depending on the type of check and quantity. That’s why many thrifty shoppers are looking for mobile check cashing apps that don’t use Ingo to save money.
It begs the question: are there any other check cashing apps similar to Ingo?
Short Answer: Luckily, there are Ingo Money alternatives and that charge lower fees. Thus, you can get your hard-earned money more conveniently and less expensively. Top check cashing apps with no Ingo technology include the Check Cashing Store mobile app, your local bank mobile app, AnytimeCheck, , and Netspend.
When digitally depositing checks straight into your checking account, your bank’s mobile app is likely to provide you with the most cost-effective online check cashing services.
The other Ingo Money alternatives are bank independent and allow you to deposit a check either to your bank or a prepaid card. The alternatives come in handy if your bank account offers limited features for users without a bank account(unbanked) or those who want to without a valid ID, cash a check.
After a 10-day waiting period, most of them offer free ACH check cashing services. You’ll have to pay an expedited check clearance fee if you need your check to clear faster. The fees for expedited check cashing vary by check cashing app.
The method of mobile check cashing is pretty much the same regardless of which Ingo alternatives you use. To begin the process, simply sign the back of the check, take photos of the front and back, and submit.
What Mobile Check Cashing Apps That Don’t Use Ingo?
Ingo Money is the leader when it comes to depositing personal checks and other check types online. You can cash checks between $5 and $5,000 with fees ranging from $5 to 2%-5% depending on the check amount and type. Cashed checks can be loaded onto your linked bank account, prepaid cards, gift cards, debit cards, Reliacard balance, credit cards, or participating MoneyGram outlets.
Ingo Money, on the other hand, is not for everyone, owing to its exorbitant costs. If you wish to keep the entire check amount in your pocket, look into the Ingo Money options below:
1. The Check Cashing Store
The Check Cashing Shop operates over 800 locations across the United States. The Check Cashing Shop provides the following money services:
- Check Cashing – Payroll, government, personal checks, small business, insurance, money orders, stimulus
- Online and in-store loans
- Western Union is a money transfer service that allows you to send money internationally.
- Money Orders – Completing money orders for up to $500 with 69 cent fee
- Reloadable and ready-to-use prepaid cards
The Check Cashing Shop App is one of the most popular non-Ingo mobile check cashing apps.
The Check Cashing Shop, unlike other Ingo competitors that work in the cloud, provides a number of real locations where you may go if you’re having difficulties with the app.
Furthermore, the app helps you to locate check cashing locations near me that are operating right now.
You’ll get quick check cashing, which is useful for transferring check proceeds to a prepaid card for the unbanked.
How does The Check Cashing Store app work?
To cash a check with the Check Cashing Store App, simply hover your smartphone’s camera over it, take a picture and upload it. All checks can be loaded directly to a linked bank account, select credit cards, or a prepaid card. Momentum Prepaid Debit Card users can view their transaction history and track spending habits within the app. You can see your automatic transactions like your monthly gym membership or massage subscription deals.
Fees: While the Check Cashing Store does not list a price schedule for mobile check cashing through the app on their website, the fees are comparable to those charged by Ingo Money. You should anticipate to pay a cost of $5 to 10% of the entire check amount, depending on the quantity and kind of check.
Keep an eye on the fees charged by the Check Cashing Store app and compare them to fees charged by other check cashing apps if you decide to use it.
Download as an Ingo alternative.
2. Local Bank Mobile App
The advantage of using your bank’s mobile check cashing app is that it’s more likely to include other account management features. However, a bank is always the cheapest checking cashing option because you can use your own bank’s app to pay the lowest fees.
You won’t have to pay any direct deposit fees if you use your own bank. Because the app connects you directly to your bank account, it eliminates the need for any third-party services.
The disadvantage is that the app is tied to your bank and cannot be used across institutions. You’ll be stuck with it if your bank has restricted functionality or the app doesn’t work correctly. You can, however, utilize any of the other bank-agnostic Ingo alternatives listed here or switch to a bank with a better bank app.
The following are some of the best banking apps for mobile check cashing:
- Navy Federal Credit Bank is a financial institution based in the United States
- ( SunTrust Banks, Inc. (previously SunTrust Banks, Inc.)
Fees: Each bank will have its own set of fees. Some financial institutions provide free mobile check cashing, while others charge a small fee.
Find a check cashing location near me with a mobile bank app.
For consumers that send or receive multiple check payments, is a great alternative to Ingo Money. On a subscription basis, the mobile app allows users to write or cash checks on their mobile, web, or phone.
As a result, prices for the combined check writing and check depositing service are scaled according to the amount of checks you send or receive every month.
For example, a $20 package will allow you to send or receive ten checks, while a $100 package will allow you to send or receive up to 75 checks. Bulk send-and-receive packages can also be purchased at a discounted per-check cost.
Unless you cancel your subscription, you will be charged on a monthly basis. If your monthly check-cashing limit is ever exceeded, you will be upgraded to the next level to handle your increased volume. If your check volume drops, you can also downgrade.
Check money can be instantly deposited into a linked American bank account, and foreign check processing services are also available.
How Does AnytimeCheck App Work?
The video walks you through the process of using the AnytimeCheck app step by step.
When is the AnytimeCheck ACH Deposit Time?
It may take 1-5 days for AnytimeCheck ACH transfers to clear and be credited to your account. When they’re batched about midnight, bank holds are required before the monies may be released.
AnytimeCheck charges a monthly price that ranges from $19.99 for a basic plan to $99.99 for a premium subscription plan.
4. Boost Mobile Wallet App
If you carry a prepaid Visa or Mastercard, the can help you conveniently keep track of your spending and cover purchases without the need to carry the plastic. It’s even better for the unbanked individuals who want to cash a check without a bank account or freelancers and Workers in the gig economy who work online who receive several checks per month.
You don’t have to go to the bank because money is placed straight into your prepaid Mastercard. The money will be available in minutes after you take and submit photos of the check. It is a quick check cashing alternative that does not necessitate any waiting.
You can also use the app to pay bills to more than 3,500 accounts payable, like ADT, Customers of AT&T Uverse, or Comcast bills. The app also can add money to a family or friend’s account, but you cannot transfer your balance to another account.
Boost Mobile Wallet is a membership service with monthly payments beginning at $1.95. Some deposits are subject to additional charges, and you may be required to pay additional costs for other services such as card replacement.
How Does Boost Mobile Wallet Check Cashing App Work?
The Boost Mobile Wallet check cashing app is similar to other banking apps in terms of functionality.
To use the app to cash checks remotely, follow these steps:
- Log in to your Boost Mobile Wallet account.
- Choose Boost Mobile Wallet Card by going to the Menu and then selecting the Boost Mobile Wallet Card option.
- Deposit Check: From the bottom navigation bar, tap Load and then Deposit Check.
- Snap a picture of the cheque with your smartphone’s camera and enter the dollar amount.
- Choose a processing timeframe: Choose whether you want your monies deposited in minutes for a fee or in 10 days for free.
- Confirm: After you’ve confirmed the transaction, you’ll need to wait for approval. Before being approved, all checks must be reviewed.
Fees: Boost Mobile charges a monthly account fee of $9.95 without a qualifying deposit and $1.95 with a qualifying deposit. There is a $5 minimum check cashing fee, with fees ranging from 2% to 5% depending on the check type and face value.
How to Set Up Direct Deposit with Boost Mobile?
Direct deposits are a terrific way to avoid having to wait for a check to clear. Money is transferred directly from the payers account to your bank account, rather than receiving a paper check from your employer. As a result, you can get your money faster without having to deal with bank or mobile check deposits.
To set up direct deposit with Boost Mobile, follow these steps:
- Check to see if your employer accepts direct deposits.
- Make sure your Boost Visa or Boost Mastercard is in good working order.
- Give your employer’s payroll department or benefits provider with your Boost Mastercard or Boost Visa account number and routing information.
You’ve completed the task! Your company will set up direct transfers, and your pay or benefits will be sent into your Boost Mobile account. Make sure the direct deposit amount you choose does not exceed your Boost Visa or Mastercard agreement’s authorized balance limit.
Where to Find the Boost Mobile Wallet Routing Number?
Your Boost Mobile Wallet ABA routing number can be found on the piece of paper that came with your card or in the app under Account Numbers. Take the following steps:
- Open the Boost Mobile App and log in.
- Choose Boost Mobile Wallet Card from the Menu icon.
- More can be found in the Navigation Bar.
- The routing number and account number can then be viewed by selecting See Account Numbers.
Employee paychecks, tax refunds, pensions, railroad retirement benefits, state employment benefits, government disability payments, workers compensation, veterans benefits, supplementary security income, and social security benefits can all be sent directly into your account.
One advantage of using a Netspend account is that Time for direct deposit has arrived. two days earlier than the expected date. The app also deposits personal checks and small business customer checks into your Netspend prepaid card with your mobile phone.
You can monitor transactions and transfer funds to other Netspend users once the money is in your Netspend account.
How Does the Netspend Check Cashing App Work?
Netspend is accessible via the Online Account Center, the Netspend Mobile App, and the Netspend Visa or Mastercard Prepaid Card in your wallet.
Here’s how Netspend can help you manage your money:
- Add money to your Netspend account by using direct deposit, cash at a Reload Location, or the Mobile Check Load feature to deposit paper checks.
- Pay Bills or Go Shopping – Once the money is in your Netspend account, you can enjoy the freedom of shopping and paying bills from your mobile phone. You can also ATMs that dispense $1 can be used to withdraw cash. to $100 bills, get cash back at the register, or send money directly to other Netspend users.
- Manage your account Netspend gives you complete control over your finances through the mobile app and the Online Account Center.
You can also enroll in Anytime Alerts to receive text message notifications for critical account activity.
If your account is overdrawn, Netspend can provide a Purchase Cushion of up to $10, saving you money on fees.
Netspend imposes a $5 minimum mobile check deposit fee, which is calculated as 2%-5% of the check’s face value.
Factors To Consider When Choosing A Check Cashing App
There are numerous alternatives available when it comes to cashing a check. You can go to your bank, an ATM, or a check-cashing store to cash your check. You might also want to explore using a check cashing app, given the ubiquity of smartphones and apps. These are some things to think about:
- The Fees: The fees are the first thing to consider. The majority of check-cashing applications charge a fee, though the amount varies each app. Certain apps may charge a fee for making a deposit or withdrawal. Before you choose an app, make sure you read the fine print and understand all of the expenses associated.
- Ease of Use: Another factor to examine is the app’s ease of usage. Some apps are more user-friendly than others, so pick one that is simple to use and navigate.
- The Features: Different apps have different features. You can, for example, deposit checks from afar, follow your account balance, and review your transaction history.
- The Reputation: Before you choose an app, do your research and read reviews. Select an app with a positive reputation and a high level of user trust.
- Choose an app with a high reputation for security and that protects your data with encryption technologies.
Customer Service: It’s important to have a good customer service department to turn to for help if you have a problem cashing your check. Be sure to choose an app that has a good reputation for customer service.
How does the IngoMoney App work?
Ingo Money is an advanced check cashing app that allows users to deposit personal checks and other check types any time and from anywhere. You only need to snap pictures of the front and back of the check and upload the photos to initiate the process.
You can transfer funds to a linked bank account, prepaid debit cards, PayPal account, Amazon gift cards, and participating MoneyGram locations, making it the most versatile check cashing app.
The minimum check limit is $5, with a $5,000 maximum. Costs vary by check type and amount, but you should anticipate to pay at least $5, or 2% to 5% of the check’s face value.
What Other Check Cashing Apps Use Ingo?
Several other programs, such as Ingo Money, make use of Ingo’s technologies, including:
ACE Mobile Loads
Allow consumers to deposit checks and load monies straight onto an Ace Elite Prepaid Debit Card using Ingo Money technology. The app has the same fees as Ingo Money, but there is a free ACH transfer option with a 10-day waiting time.
Brink’s Money Prepaid
The mobile check deposit app uses Ingo Money’s image capture technology. It allows users to cash checks remotely and load the funds onto the Brink’s Prepaid MasterCard.
You can also send money to other users or transfer money to and from a savings account using the app. Costs vary depending on the plan selected. You can choose from the Pay-As-You-Go Plan, the Monthly Plan, or the Preferred Plan, for example.
The Brinks prepaid card is free, and online account-to-account transfers are also free. With the assistance of a live customer service agent, however, you will be charged $4.95.
Some Bank’s Apps
Some local banks and other digital banking apps also use Ingo Money’s technology. Other apps that support mobile check cashing include and PayPal.
Are There 24-Hour Check Cashing Places Near Me?
Yes, you can Find check-cashing locations that are open 24 hours a day, 7 days a week in your area.. A 24-hour place comes in handy when you want to cash a check at odd hours when banks are closed. Also, mobile check cashing won’t work for everyone. It may not be an option for those who don’t obtain access to the Internet for free or at a cheap cost from the comfort of your own home or own a non-smartphone.
Check-cashing stores Up to $1,000 in money orders can be sold., issue loans, perform title transfers when buying a car, Coinstar alternatives, money transfers, offer Sunday notary services, sell prepaid debit cards, bulk postage stamps for sale for postcards, lottery tickets, send cheap faxes, tax services, bill pay, photocopies in black and white, and more.
How Does Walmart Check Cashing Work?
Walmart’s mobile check cashing service is available on Android and iOS devices through the Walmart app. Once you’ve downloaded the app, you may use it to pay checks, load funds onto your Walmart MoneyCard, or withdraw cash from participating Walmart locations. The cost will differ depending on the area.
See our guide on the Check cashing and money order policies at Walmart.
Why Won’t Ingo Cash My Check?
Ingo Money will not cash your checks for a variety of reasons, including:
- Ingo Money will not cash your check if it has not been properly endorsed and signed on the back.
- The smallest cheque that can be cashed is $5. Any check for less than $5 will be rejected by Ingo.
- The maximum check amount that can be cashed using Ingo Money is $5,000. Any check that exceeds the maximum limit will be rejected.
- Checks that aren’t supported for deposit include starter checks and credit card checks. If your check falls within the unsupported category, the app will not cash it. If you haven’t met your deposit limit within a certain amount of time, Ingo will not cash your check.
Check Cashing Apps Summary
Checks are still mainstream payment options. The good thing is that modern fintech has apps allowing users to On the go check cashing without the need to visit banks, credit unions, or 24-hour check-cashing stores.
Several check cashing apps, such as Ingo Money, Ace Mobile Loads, and Brinks Money Prepaid, make use of the backend technology to let you deposit checks to prepaid cards.
That’s a great step forward! After all, people work hard for their money, so it’s only fair that they get it in a simple, timely, and fee-free manner.
Ingo is the industry leader when it comes to mobile check cashing. Although it allows customers to move check funds to various cards and connected accounts, Ingo Money is not the only option.
Your bank’s mobile app will be the lowest alternative for online check cashing. It has more account management features, but it’s tied to your bank and may have limited capabilities.
In that case, you may want to explore other bank-independent Ingo Money alternatives like Netspend, Boost Mobile Wallet App, AnytimeCheck, and the Check Cashing Store App. PayPal, Walmart App, Lodefast Check Cashing App, and Waleteros are also top Ingo alternatives to consider.