20 Check Cashing Apps That Don’t Use Ingo for Mobile Deposits

In today’s modern age, banking has advanced by combining traditional methods with digital banking. This makes it easier for customers to use mobile banking apps to complete various banking transactions. Along with these technological improvements, the way we pay with checks has also been modernized with the development of check-cashing apps like Ingo. These apps allow you to deposit checks into a linked bank account, credit card, etc. easily.

However, this convenience comes at a cost as Ingo’s check deposit fees start at $5 and can be as high as 2-5% of the check’s value. This has led customers to look for other check-cashing apps that don’t use Ingo’s technology for mobile deposits. The question then arises: are there other check-cashing apps like Ingo?

The good news is that there are plenty of alternatives to Ingo’s check cashing app that allows you to access your money more conveniently and at a lower fee. These check-cashing apps don’t use Ingo’s technology and have more flexible deposit fees and faster processing times.

In this article, we will delve into what check-cashing apps are, how they function and introduce 20 alternative check-cashing apps that do not use Ingo’s technology for deposits.

What Are Check Cashing Services?

Check Cashing services allow you to quickly and conveniently turn your paychecks and other types of checks into cash without having to go to the bank. These services are typically offered in exchange for a fee. They are part of the financial services system available to many Americans who are unable to open a traditional bank account or who need quick access to cash.

Although Check Cashing services are not banks, they do provide services such as Check Cashing, money orders, electronic bill payments, and small loans. However, these services come with high costs and potential downsides, so it’s important to understand your available options before deciding which Check Cashing service to use.

If you need cash and have a paycheck, government check, or any other type of check in your name, Check Cashing services can verify your identity, cash your check, and give you the amount indicated on your check right away for a fee.

What Are Check Cashing Applications?

These apps allow you to cash your checks through the app instead of having to go to a bank or financial service provider in person. The purpose of these apps is to make banking easier, and one of the problems they solve is the ability to cash a check wherever you are without having to physically visit a financial service provider’s branch. All you need to do is take a picture of your check and process it through the app, for a specific fee.

Once you cash a check through a mobile deposit, the check becomes invalid. You can choose to keep the check for record-keeping purposes, but under no circumstances should you try to cash an invalid check after it has already been cashed and deposited through the app. This could result in your account being blocked.

Check cashing apps do not require you to have a bank account before cashing your checks. With the deposit option on these apps, you can easily deposit your check into the app and get your money back quickly, depending on the processing time of the app.

There are multiple check cashing apps available with different algorithms, processing times, and fees. Some may require you to have a bank account, while others do not. Your bank’s mobile app may also offer online check cashing services for a more cost-effective option when depositing checks directly into your linked bank account.

Using check cashing apps, you can get your money in minutes for a fee. The standard fee for cashing a check and getting your money in minutes is 2% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a minimum fee of $5 per check.

What Is Ingo Money?

Ingo Money is a check cashing service provided by First Century Bank, a well-known chartered bank. The service allows users to cash checks and get their money in minutes, as it runs 24 hours a day, 7 days a week, 365 days a year. This means that you can use the Ingo Money app at any time to cash your checks with a fee.

Since Ingo Money is provided by a nationally chartered bank, your checks and your money are always handled by a national bank regulated by the federal government until they reach your account issuer. Ingo Money, Inc. manages and facilitates the service, providing mobile app technology, check review, approval, and guarantee services, among others.

Usually, Ingo Money allows you to get your money within a few minutes after your check is approved. After submitting your check through the Ingo Money app, it typically takes a few seconds to review the check for approval, although sometimes it can take 3-5 minutes, and in certain circumstances, it could take up to an hour due to extra verification processes.

Once your check is approved, your money is sent immediately to the prepaid account or bank account you choose via your linked debit or prepaid card account number.

Best Check Cashing Apps That Do Not Use Ingo For Mobile Deposits

Other check-cashing apps that don’t use Ingo Money’s technology allow you to deposit a check either to a prepaid card or your bank account. These alternatives can be especially useful for those without a bank account (unbanked users) or those who want to cash a check without an ID.

While Ingo Money is a versatile app when it comes to remotely cashing checks, there are other check-cashing applications that may be better suited for certain needs. Here’s a list of 20 alternative check-cashing apps that don’t use Ingo Money’s technology:

• Brink’s Money Prepaid
• Venmo
• PayPal
• LodeFast
• Ace Flare
• Netspend
• Anytime Check
• The Check Cashing Store
• Waleteros
• GTE Financial Deposit2Go
• Bank of America Mobile App
• Boost Mobile Wallet
• Citibank Mobile App
• PNC
• SunTrust
• TD Bank Mobile App
• US Bank
• Wells Fargo
• USAA
• Huntington Bank Mobile App

Brink’s Money Prepaid: Most Secure App

In terms of security, Brink’s Money Prepaid stands out among the rest. Brink is primarily known for its efficiency in the armored transportation industry, delivering cash to ATMs and banks. The prepaid MasterCard debit cards and check cashing functionality are offered through First Century Bank.

Here are some of the features of Brink’s Money Prepaid:

• Allows fast payment with direct deposit
• Government and payroll checks have a 2% expedited check cashing fee
• All other checks have a 5% expedited fee
• Brink’s Money Prepaid points allow you to earn cashback
• 4.3-star rating on Google Play Store
• 3.3-star rating on the App Store

Venmo: Most Preferred For Atm Access

While Venmo is more widely known as a person-to-person payment app, the mobile application offers many more features than just that. By applying for a Venmo Debit Card or direct deposit, you can also use the app to cash your checks.

Here are some of the features of Venmo:

• A 10-day no fee approval option
• Free ATM withdrawals at over 30,000 MoneyPass locations
• With the Venmo debit Mastercard, you can earn cashback
• Government and payroll checks have a 1% expedited check cashing fee
• 4.3-star rating on Google Play Store
• 4.9-star rating on App Store

PayPal: Most Trusted Cash Checking App

Even though PayPal’s check cashing service is also provided by First Century Bank, PayPal offers a more favorable fee structure and a more well-known brand name.

Here are some of the features of PayPal’s check cashing service:

• Government and payroll checks have a 1% expedited check cashing fee
• All other checks have a 5% expedited fee
• A nearly immediate approval process
• Maximum check amount of $5,000
• 4.2-star rating on Google Play Store
• 4.8-star rating on App Store

Lodefast: Most Preferred For Akimbo Card Carriers

Lodestar Financial developed the LodeFast app to allow you to cash checks online and deposit them into your linked bank account, debit card, Akimbo cards, and any prepaid debit card.

LodeFast offers a free deposit option if you’re willing to wait 10 days for your deposit, and also offers an instant deposit option with an average fee charge.

Currently, LodeFast is only available to residents of Florida. However, their website states that they plan to expand to California in the near future.

Ace Flare: Best Nontraditional Bank Account

Ace Flare is provided by MetaBank and offers many of the same services as a traditional bank, such as check cashing, ATM access, a Visa debit card, and direct deposit. However, Ace Flare’s primary focus is check cashing.

Ace Flare also uses First Century Bank, the same provider as Brink’s and Ingo. Additionally, Ace Flare offers a 6.0% APY on balances under $2000 with an ACE savings account.

Here are some of the features of Ace Flare:

• 2-5% expedited check cashing fee
• 3.9-star rating on Google Play Store
• 2.7-star rating on App Store
• Fee-free cash withdrawals at about 950 ACE locations in 23 U.S states
• No charges for standard check cashing

Netspend: Most Preferred For Prescription Purchases

Netspend offers a fair standard fee structure. In addition, customers can get significant discounts on prescription purchases for FDA-approved medication with the pharmacy savings card.

Here are some of the features of Netspend:

• All other checks have a 4% or $5 expedited fee
• Government and payroll checks have a 1% or $5 expedited check cashing fee
• Netspend offers up to 50% discount on FDA-approved pharmaceuticals.
• 4.0-star rating on Google Play Store
• 2.7-star rating on App Store

Anytime Check: Most Preferred For Businesses

Anytime Check enables business owners to receive payment by paper check from customers without needing to wait for the mail or go to the bank to make a deposit.

Here are some features of Anytime Check:

• Its pro plan (50 checks) costs $1.50 per check
• Its basic plan (20 checks) costs $1.75 per check
• Its premium plan (150 checks) costs $1.25 per check
• 3.6-star rating on Google Play Store

The Check Cashing Store: Most Simple Check Cashing App

As its name suggests, The Check Cashing Store allows you to deposit checks on your mobile device and send the money to a linked Visa, MasterCard, or Discover card.

The company’s website does not list the fee structure and customer service representatives will not disclose it over the phone, but you can expect the standard fee to be within the standard range (between 1% and 5%).

Here are some features of The Check Cashing Store:

• Available at physical storefronts throughout the state
• 2.6-star rating on the App Store
• Only available to Florida residents

Waleteros: Most Preferred For People With Families Across Central America

If you have relatives in Central America, Waleteros might be the best option for you. Waleteros allows $0.99 one-time transfers to various locations in Mexico, Cuba, Guatemala, Nicaragua, and El Salvador at the beginning of each month.

The app enables you to receive direct deposits, cash checks, and send money with very low fees. There are no minimum account balances, no overdraft fees, and they provide access to 20,000 fee-free ATM locations nationwide.

Here are some other features of Waleteros:

• 1.75% check cashing fee
• $0.75 fee for sending money to family and friends.

GTE Financial Deposit2go: Best Free Check Cashing Service 

Despite having a dated interface that feels like it’s from 2007, Deposit2Go offers fee-free check cashing services for members of NCUA-insured GTE Financial.

Here are some features of GTE Financial Deposit2Go:

• 3.3-star rating on Google Play Store
• 1.8-star rating on App Store
• Free check cashing for GTE members
• Up to $10,000 deposits per day.

How Can You Avoid Fees With Check Cashing Apps?

A way to avoid fees with check cashing apps is to pay attention to the charges per transaction. For example, if the app charges a fee of $0.99 for you to withdraw funds from your account, it may not be worth it as there may be other check cashing applications that allow you to process your withdrawal for free.

What App Will Cash A Check Immediately?

According to the information provided, Brink’s Check Cashing application is the best option for fast payment with direct deposit and a faster check cashing process.

Can Check Cashing Apps Save Money?

The main purpose of using check cashing apps is to withdraw money by cashing checks. Some check cashing applications have lower withdrawal fees which can help you save more money while withdrawing. The lowest check cashing fee is 1%, but it varies depending on the application you use, as most check cashing applications charge between 1% to 5%.

However, some check cashing applications offer free check cashing services if you can wait for 10 days. This means if you are willing to wait for the 10-day processing time, you can cash your checks for free. This option is only available with a few check cashing applications, while most other check cashing applications charge between 1% to 5% for check cashing services.

Additionally, some check cashing applications offer free check cashing services for their registered members. For example, GTE Financial Deposit2Go check cashing service offers free check cashing services for its GTE members. Therefore, if you have a GTE account, you can cash your checks for free, which can help you save money on the usual 1% to 5% check cashing fee.

Can You Use A Check Cashing App Without A Bank Account?

Many check cashing applications allow you to use their service without a bank account. These applications have a deposit feature that allows you to deposit the money from your check directly into the check-cashing application’s account.

While some check cashing applications are created by a bank and may require you to have an account with them before accessing the service, it is not always necessary to have a bank account with other check cashing applications.

Typically, the check cashing app’s account is linked to a bank account or a prepaid debit or credit card for withdrawal purposes. However, it is not necessary to use a bank account for the withdrawal process to be completed.

Once the account is linked to a prepaid credit card, you can withdraw from the check cashing application easily, making it not necessary to have a bank account before using a check cashing app.