In the past, if you wanted to cash a personal check, you had to go to the bank. This could be difficult as many banks don’t stay open until late, so walking there after work was a problem.
Thanks to the many third-party banks and apps that enable instant mobile deposits, you can now cash checks right from your phone.
One of the most popular and well-known 24-hour check cashing services is Ingo Money.
Ingo Money allows you to cash checks online right from your phone, including salaries, personal checks, business checks, and more. With it, you can get your money in minutes.
First, turn over your check. Then just take a picture of the front and back of your check and choose where you want to deposit the money. You can have your check deposited into your bank account, prepaid card, or PayPal account.
While Ingo Money offers many conveniences, you have to pay a commission if you want your money instantly. The standard commission is 2% on pre-printed paychecks and government checks and 5% on all other accepted reviews, with a minimum fee of $5 per check.
Because of this, many frugal customers are looking for mobile check cashing apps not using Ingo so they can avoid the fees altogether or find lower-fee options. Other customers may want an app that is simply more convenient for them than Ingo.
Are there check-cashing apps that Ingo Money doesn’t use?
After long research, it wasn’t easy to find apps that do NOT use Ingo Money! I want to be honest here! Much digital banking and check cashing apps use Ingo’s technology in their programs. Many of them, like PayPal, Venmo, and Green Dot, actually work with Ingo. That means many of the popular check-cashing options are off the table.
Luckily there are still some apps that don’t work with Ingo.
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But which ones are they?
Short answer: Check-to-cash apps that Ingo doesn’t use include The Check Cashing Store, the Wells Fargo app, AnytimeCheck, and the Chase app.
For more check-cashing apps that don’t use Ingo, see our list below.
Check cash apps that are alternatives to Ingo
Fortunately, there are now many apps that do not use Ingo for mobile deposits :
1. US Bank app
The US Bank app lets you deposit checks 24/7. Just snap a photo of your check and follow the prompts to receive your money.
The first $225 of your total daily deposits are usually available immediately. The balance of your deposit is usually available the next business day if the deposit is made before 9 pm. Central time.
Individual deposits that exceed a certain dollar amount may take up to 5 business days to become available. Should additional processing time be required, US Bank will let you know when the funds will be available prior to confirm your deposit.
US Bank does not charge a check cashing fee.
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2. Chase app
You can use the Chase app to deposit checks. This is also very easy. All you have to do is take a picture of the check, follow the on-screen instructions, and deposit the check into your account.
Chase’s check cashing service is called QuickDeposit. The great thing is that there are no fees associated with using this service.
Deposits made before 11 pm New York time on a business day are usually available the next business day. Deposits made after 11 pm or on a non-business day will be processed on the next business day.
Chase may delay availability if further verification of the deposit is required.
All information about delayed availability will be provided in the Secure Message Center accessible via the main navigation menu.
3. Anytime Check
Next on the list we have AnytimeCheck. This is another good option if you’re looking for a check-cashing app that doesn’t use Ingo. It is best suited when you want to send and receive multiple checks.
AnytimeCheck is a combined check writing/depositing service that allows checks to be sent and received on a subscription basis. This service allows subscribers to cash or writes checks via mobile, Internet, or telephone.
You can deposit checks into any connected US bank account. AnytimeCheck commissions are package based and are not calculated for each individual check. For example, prices range from about $20 for receiving or sending 10 checks to about $100 for receiving or sending 75 checks. You can also purchase combined send-and-receive packages at a lower price per check.
Fees are billed monthly unless you cancel your subscription.
4. Chime app
Chime is an American financial technology company that offers free mobile banking services. It offers a check cashing service called Mobile Check Deposit.
Chime checks whether you can use Mobile Check Deposit based on your Chime account history, your direct deposits and their amounts, and other risk-based factors.
You can use Mobile Check Deposit if you have received a direct deposit of at least $1 from:
- An employer or payroll provider
- A gig economy payer
- government aid
Chime will automatically enable Mobile Check Deposit in your app one business day after receiving your qualifying deposit.
Chime does not charge for its check cashing service.
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5. The Check Cashing Store
The Check Cashing Store Mobile App allows you to deposit your checks directly into your bank account or Momentum prepaid MasterCard, or any of your Visa, MasterCard, Discover, or personal prepaid debit cards. All you have to do is take a picture of your check in the app and follow the prompts to send it.
The Check Cashing Store Mobile App is free to download and accessible to everyone. However, you will have to pay a check deposit fee, which can range from 5% to 10% of the total amount of the check.
6. Santander Mobile Banking App
Santander offers a mobile app that you can use to deposit checks. With the Santander Mobile Banking app, all you have to do is take a few photos of the check and follow the in-app instructions.
Mobile check deposit is free to use.
7. Wells Fargo App
Wells Fargo has an app that allows you to deposit checks for free.
All you have to do is take a picture of the front and back of your check and then follow the instructions to cash it.
The Wells Fargo app allows you to deposit many different types of checks, such as:
- Personal checks
- company cheques
- government checks
Funds deposited via a mobile device become available the day after they are credited.
Wells Fargo Online and Wells Fargo Business Online customers who have an eligible checking or savings account can use mobile deposit. There are no fees.
Your bank’s mobile app
Many apps partially or fully use Ingo’s technology. As I mentioned earlier, there are options like AnytimeCheck and The Check Cashing Store that Ingo doesn’t use. However, one of the best ways is to use your bank’s mobile app.
Most banks have a mobile app that accounts holders can use to deposit checks, usually free of charge. In the list above, I’ve identified a few banks that offer this, including Wells Fargo and US Bank. Even if your bank isn’t on the list above, they may still offer mobile check deposits.
So I highly recommend you check if your bank has a mobile app and if they offer to check to cash. If so, check the app’s details to find out if it uses Ingo Money technology, or call your bank and ask if they use Ingo for mobile check cashing.
The great thing about using your bank’s mobile app is that you’ll likely find the lowest fees there. Much lower than Ingo’s. Many banks even offer their customers the opportunity to cash checks for free!
Here is a list of the best banking apps that offer mobile check cashing:
- Allied Mobile Deposit
- Allied Bank
- Bank of America
- Capital One
- Carlo Schwab
- Bell jar
- Citizens’ Bank
- Fifth Third Bank
- Guarantee bank
- Huntington bank
- Federal Credit Bank of the Navy
- Trust (formerly SunTrust)
- TD Bank
- Bank of the United States
- Union Bank & Trust
- Wells Fargo
It can be difficult to find check-cashing apps that don’t use Ingo. Apps like ACE Mobile Loads and Brink’s Prepaid partially or fully use Ingo’s technology. That means many of the popular check-cashing apps are off the table if you’re looking for a platform that Ingo doesn’t use.
There are still some check cashing apps that Ingo doesn’t use, such as the Wells Fargo app, the Chime app, The Check Cashing Store, and AnytimeCheck.
These apps allow you to cash checks right from your phone.
Cashing a check from an app is great because you don’t have to go to the bank, which is often a nuisance since many banks close when the job is done.
Instead, you can just snap a picture, follow a few instructions, and cash the check right from your phone.
Of course, the downside to mobile check deposit is that you don’t cash the check. Instead, you deposit it into your bank account.
So if you’re looking for cash that you can hold in your hand right away, you’ll need to go to your local bank or check out cash-cashing shops like these gas stations that cash checks.
If you don’t need real cash but just want to deposit the money into your bank account, mobile check cashing apps are ideal.
While many check-cashing apps use some of Ingo’s technology, others don’t. Sometimes apps that don’t use Ingo have lower fees and some even offer free check deposits – that’s great!
Try these check-cashing apps that Ingo isn’t using. What’s your favorite check-cashing app? Let us know in the comments below.