Check Cashing Apps That Don’t Use Ingo

There are several payment methods available today including PayPal, Venmo, Zelle, debit and credit cards with EMV chips, and digital wallets like Apple Pay, Google Pay, and Samsung pay that allow users to transact without touching cash or card.

Despite all the changes, checks are still being used. Americans will cash an average of 14.7 million checks per day in 2020 for a total of $30.8 billion according to Federal Reserve data. If you have received a birthday check from your grandma or a personal check from your side hustle, you aren’t the only one.

The internet and cutting-edge financial technology have made it easier than ever to cash a check through a mobile check-cashing app.

If you received a payroll check, aStimulus check, or a government check, you can cash it quickly and easily on the go using your phone’s camera, and skip an otherwise mandatory trip to the bank.

What Is A Check Cashing App?

A check cashing app is a phone app that allows you to cash checks in minutes. It is possible to cash checks without going to a physical location. If the bank doesn’t have hours that fit with your schedule or if you don’t live near a bank, this can be a convenient option.

If you use a check-cashing app, you can cash checks from any major bank and get the money in your account immediately. Be sure to choose a check-cashing app that is right for you, there are many different check-cashing apps available.

Some apps give you the ability to cash checks for a fee, while others do not. Some of these apps offer discounts for users who cash checks more often, and they typically have a flat fee per transaction. Before you make a decision about which app to use, be sure to read the terms and conditions of the app.

Here’s how we get there.

It began with Ingo Money, a popular app that allows users to cash checks from anywhere without ever going into a bank, credit union, or a 24 hour check-cashing store. Instead, simply snap focused images of the front and back of the check and deposit it into your bank account.

The popularity of Ingo Money is due to its convenience and flexibility. The app is advanced enough to allow you to deposit checks to a linked bank account, PayPal account, credit card, prepaid card, Amazon gift card, and even withdraw the cash directly from brick-and-mortar Money Gram money transfer locations.

Convenient comes at a price. Depending on the type of check and amount, Ingo Money check deposit fees can go up to 2%- 5% of the check’s face value. Many frugal consumers want to find check cashing apps that do not use Ingo for cheaper fees.

It leads us to the big question: Is there any other check cashing app like Ingo?

Fortunately, there are Ingo Money alternatives that charge lower fees. You can get your hard-earned money more easily and less expensively. Check cashing apps with no Ingo technology include the Check Cashing Store mobile app, your local bank mobile app, AnytimeCheck, and Boost Mobile Wallet App.

The most cost-effective online check cashing services will be offered by your bank’s mobile app.

The other Ingo Money alternatives allow you to deposit a check in your bank or use a card that is pre-paid. If you don’t have a bank account or want to cash a check without an ID, the alternatives are a good option.

For a 10-day waiting period, most of them offer free check cashing services. If you need your check to clear quicker, you will have to pay an expedited check clearance fee. There are different check cashing apps that charge different expedited fees.

The process of cashing a mobile check is the same whether you use Ingo or not. Sign the back of the check, snap pictures of the front and back, and submit to begin the process.

What Mobile Check Cashing Apps That Don’t Use Ingo?

Ingo Money is the leader in depositing personal checks online. You can cash checks between $5 and $5,000 with fees ranging from 2% to 5%. Cashed checks can be loaded into your linked bank account, as well as gift cards, credit cards, and Reliacard balance.

Ingo Money will not work for everyone due to high fees. If you don’t want the entire check in your pocket, there are other Ingo Money alternatives.

1. Wells Fargo App

You can deposit checks for free using the Wells Fargo app.

After taking a photo of the front and back of your check, you can cash it.

You can deposit lots of different types of checks through the Wells Fargo app like.

  • Personal checks
  • Business checks
  • Government checks

The funds will be made available on the day after the credit date.

Wells Fargo Online and Wells Fargo Business Online customers are able to use mobile deposits. There are no fees.

Download the app:

2. US Bank App

You can deposit checks with the US Bank App. Follow the instructions to get your cash and take a photo of your check.

You can get the first $225 of your daily deposits right away. If you deposit before 9 p.m., the rest of your deposit will be available the next business day. There is a central time.

It can take up to 5 business days for individual deposits over a certain amount to become available. When the funds will be available, US Bank will tell you before you confirm your deposit.

US Bank doesn’t charge any fees for cashing checks.

Download the app:

3. The Check Cashing Store

You can deposit your checks directly to your bank account with the Check Cashing Store Mobile app, or you can use any of your Visa, Mastercard, Discover or pre-paid cards. All you have to do is take a photo of your check with the app and submit it.

Anyone can download the check cashing store mobile app. The fee for depositing checks varies from $5 to up to 10% of the check amount.

Download the app:

4. Chase App

The Chase app lets you deposit checks. You can do it as well. You can take a photo of the check, follow the instructions on the screen, and have your check deposited into your account.

Chase’s QuickDeposit is a check-cashing service. Fees are not charged for using it.

Deposits that are submitted before 11 pm are usually available the next day. The next business day, deposits that are submitted after 11 pm will be processed.

If a further review of the deposit is needed, Chase may delay availability. The main navigation menu has information about delayed availability in the Secure Message Center.

Download the app:

5. Chime App

Chime provides fee-free mobile banking services. The service is called Mobile Check Deposit.

Chime will determine whether or not you can use Mobile Check Deposit based on the history of any Chime-branded accounts you have, your direct deposit history and amounts, and other risk-based factors.

If you received a direct deposit of $1 or more, you can use Mobile Check Deposit.

  • An employer or payroll provider
  • A gig economy payer
  • Government benefits

After you receive your deposit, Chime will enable Mobile Check Deposit in your app. It does not charge any fees for cashing checks.

Download the app:

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