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

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

In this ultramodern era, banking has improved with the traditional banking methods integrated with digital banking, therefore creating ease for customers as they can now use mobile banking apps to perform different types of banking transactions. Between these technological advancements, the use of checks for payments has also been modernized with the creation of Check Cashing apps like ingo that allow you to deposit checks to a linked bank account, credit cards, etc. conveniently. 

Although this convenience comes at a price as Ingo money check deposit fees start at 5$ and can be as high as 2-5% of your check value, this has made customers source for other Check Cashing apps that do not use ingo technology for mobile deposits, thereby leading to the big question- Are there other Check Cashing apps like ingo?

Thankfully, there are lots of other Check Cashing application alternatives to ingo money that lets you get your hard-earned money more conveniently and at a lesser charge rate. These Check Cashing apps don’t use the ingo money technology and have flexible cash deposit fees and faster receive time.

In this article, I’ll explain in detail what Check Cashing applications are, how they work and 20 other Check Cashing app alternatives that do not use ingo money technology for their deposits.

Introduction

What Are Check Cashing Services?

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

As the name implies, Check Cashing services allow you to cash your paychecks and other types of checks without going to the bank. These services are done in exchange for a fee. They are part of the financial services system available to millions of Americans who can’t obtain a traditional bank account or who need fast and convenient cash. 

Although Check Cashing services aren’t banks, they are financial services providers that offer Check Cashing, money orders, electronic bill payments, and small loans. However, these services come with high costs and downsides, before you decide which Check Cashing service to use, you should get to know your available options.

If you need cash, and you have a paycheck, government check, or any other kind of check issued to you, Check Cashing services will verify your identity, cash your check and give you the amount directed in your check immediately, for a charge. 

What Are Check Cashing Applications?

These applications allow you to cash your checks via an application instead of going through the stress of walking to a bank or a financial service provider that provides Check Cashing service. These apps are built to ease banking problems and one of the banking problems solved here is cashing your check wherever you are without stepping into a financial service provider’s branch. All you have to do is take a picture of your check and process it within the application, for a particular fee.

Immediately you cash a check for your mobile deposit, the check becomes null and void. You can decide to keep the check for record purposes, but under no circumstance should you try to cash a null and void check after it’s been cashed and deposited by you through the application. This could cause your account to be blocked.

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

There are several Check Cashing applications with different algorithms, processing time, and processing fees. They can be bank account dependent or not, depending on your intent and if you would rather use a bank-related Check Cashing application or not. Your bank’s mobile application will likely offer you the most cost-effective online Check Cashing services when you remotely deposit your checks directly into your linked bank account.

With Check Cashing apps, you get your money in minutes for a fee. To get your money in minutes after cashing a check, the standard fee is 2% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check.

What Is Ingo Money?

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

Ingo money Check Cashing service is provided to customers by First Century bank- a popularly known chartered bank. Ingo money lets users cash checks and get their money in minutes, as the financial service runs for 24hours daily, 7days a week, 365 days a year. Hence, you can use the ingo money application anytime to cash your checks conveniently with a fee. 

Since the ingo money service is provided by a nationally chartered bank, your checks and your money are always cleared and handled by a national bank regulated by the federal government till they reach your account issuer. Ingo Money, inc., manages and facilitates, and enables the service which provides the mobile app technology, check review, approval and guarantee services, and other similar services.

Usually, ingo money lets you get your money within a few minutes when your check is approved. After submitting your check on the ingo money app, it usually takes a few seconds to review the check for approval although sometimes it takes about 3-5 minutes and in certain circumstances, it could take about an hour due to the extra verification process. 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 technology allow you to deposit a check either to a prepaid card or your bank account. If your bank account offers limited features for users without a bank account (unbanked users) or those who want to cash a check without an ID, the alternatives come in handy. 

Although Ingo money is the most versatile app when it comes to cashing checks remotely, there are some other Check Cashing applications that play a better role in Check Cashing than ingo money. Here’s a list of 20 other Check Cashing applications that do not use ingo money technology:

  1. Brink’s money prepaid
  2. Venmo
  3. PayPal
  4. LodeFast
  5. Ace Flare
  6. Netspend
  7. Anytime check
  8. The Check Cashing store
  9. Waleteros
  10. GTE financial Deposit2Go
  11. Bank of America mobile app
  12. Boost mobile wallet
  13. Citibank mobile app
  14. PNC
  15. SunTrust
  16. TD Bank mobile app
  17. US bank 
  18. Wells Fargo 
  19. USAA
  20. Huntington Bank mobile app

Brink’s Money Prepaid: Most Secure App

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

In terms of tight security, Brink’s money prepaid plays a great role amongst the rest. Brink is majorly 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 Brink’s Money Prepaid’s attributes:

  • Allows fast payment with direct deposit
  • Government and payroll checks get a 2% expedited Check Cashing fee
  • All other checks get a 5% expedited fee
  • Brinks money prepaid points allow you to earn cashback
  • 4.3 star ratings on Google Play Store
  • 3.3 star ratings on App Store

Venmo: Most Preferred For Atm Access

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

Although Venmo is more popularly known as a person-to-person payment app, the mobile application provides a lot more functionalities than it’s known for. If you apply for a Venmo Debit Card or direct deposit, you can use the application to cash your checks. 

Here are Venmo’s attributes:

  • 10-days no fee approval option
  • Free of charge ATM withdrawals at over 30,000 MoneyPass locations
  • With Venmo debit MasterCard, you can earn cashback
  • Government and payroll checks get a 1% expedited cash checking fee
  • 4.3 star ratings on Google Play Store
  • 4.9 star ratings on App Store

PayPal: Most Trusted Cash Checking App

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

Although PayPal’s Check Cashing service is one of those provided by First Century Bank, PayPal provides a better fee structure with a more trustworthy brand name.

Here are PayPal’s attributes:

  • Government and payroll checks get a 1% expedited cash checking fee
  • All other checks get a 5% expedited fee
  • An almost immediate approval process
  • Maximum check amount of $5000
  • 4.2 star ratings on Google Play Store 
  • 4.8 star ratings on App Store 

Lodefast: Most Preferred For Akimbo Card Carriers

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

Lodestar financial built 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 can wait 10days for your deposit with an offer for instant deposit with an average charge fee. 

Lodefast is currently only available to Florida residents. Their website promises to spread its wings to California very soon. 

Ace Flare: Best Nontraditional Bank Account

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

Ace Flare is provided through MetaBank and provides most of the same services you would receive with a traditional bank including cash checking, ATM access, a Visa debit card, and direct deposit. However. Ace flare is majorly a Check Cashing application.

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

Here are Ace Flare’s attributes:

  • 2-5% expedited Check Cashing fee
  • 3.9 star ratings on Google Play Store 
  • 2.7 star ratings on App Store 
  • Fee-free cash withdrawals at about 950 ACE locations in 23 U.S states
  • Zero charges for standard Check Cashing

Netspend: Most Preferred For Prescription Purchases

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

Netspend offers a decent standard fee structure. With Netspend, customers can get sizable discounts on prescription purchases on FDA-approved pharmaceutical medication with the pharmacy savings card.

Here are Netspend’s attributes:

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

Anytime Check: Most Preferred For Businesses

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

Anytime check allows business owners to be paid with a paper check by customers, without needing to wait for the mail or visit the bank to make a deposit.

 Here are Anytime Check’s attributes:

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

The Check Cashing Store: Most Simple Check Cashing App

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

As its name indicates, you can deposit checks on your mobile device and can send the money to a linked Visa, MasterCard, or Discover card. 

Although the company’s website doesn’t list the fee structure and the customer service representatives will not disclose it over the phone, you may not get a lot of frills with the application. You can anticipate the standard fee to be within the range of the expected fee (between 1% and 5%).

Here are attributes of the Check Cashing store:

  • Available physical storefronts all over the state
  • 2.6 star ratings on App Store 
  • Only available to Florida residents

Waleteros: Most Preferred For People With Families Across Central America

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

If your relatives are across Central America, Waleteros is the best option for you. Waleteros allows one-time $0.99 transfers to different locations in Mexico, Cuba, Guatemala, Nicaragua, El Salvador at the inception of each month.

The app lets you receive your direct deposit, cash checks, and send money with very low fees. There are no minimum account balances, zero overdraft fees, and they allow customers to enjoy 20,000 fee-free ATM locations nationwide.

Here are other attributes 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 

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

Although Deposit2Go has a retro-looking interface that takes you back to 2007, Deposit2Go offers users fee-free Check Cashing services for members of NCUA-insured GTE Financial.

Here are the attributes of GTE financial Deposit2Go: 

  • 3.3 star ratings on Google Play Store 
  • 1.8 star ratings 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, you need to pay attention to how much the Check Cashing app charges per transaction while getting what you want to be done. For instance, if the app charges a fee of $0.99 for you to withdraw funds from your account, then it’s not advisable to complete the process as the fee isn’t worth it when there is another Check Cashing application out there that lets you process your withdrawal for free. 

What App Will Cash A Check Immediately?

The best Check Cashing app with fast payment with direct deposit and faster Check Cashing process as listed above is brink’s Check Cashing application. 

Can Check Cashing Apps Save Money?

The main purpose of using a Check Cashing apps is to withdraw your money by cashing your checks. Some Check Cashing applications allow lower withdrawal fees hence helping you save more money while you’re withdrawing.  The lowest Check Cashing fee is 1% if the amount to be cashed but it’s highly dependent on the choice of Check Cashing application you use as the Check Cashing fee for most applications range from 1% to 5%.

But in the name of saving more money while withdrawing, some Check Cashing applications allow free Check Cashing services if you can wait for 10 days. Meaning, if you are patient enough to wait for the 10 days processing time, you can cash your checks for free, at no cost. Only a few Check Cashing applications offer this option, while most of the other Check Cashing applications offer the 1% to 5% Check Cashing fee for users. 

Some other Check Cashing applications offer free Check Cashing services for their registered members. For example, GTE financial Deposit2Go Check Cashing service allows free Check Cashing services for its GTE members. Hence, if you have a GTE account, you can do Check Cashing services for free,  thereby saving you from the usual 1% to 5% Check Cashing fee, and helping you save your money.

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

Most Check Cashing applications let you use the Check Cashing service without a bank account. Check Cashing applications have the deposit feature that allows you to deposit the money from your check directly to your Check Cashing application’s account. Although some Check Cashing applications are created by a bank and they could require you to have a bank account with them before accessing the service, it’s not exactly required to own a bank account with other Check Cashing applications.

Usually, the Check Cashing app’s account is always linked to a bank account or a prepaid debit or credit card for withdrawal purposes. But it’s not required 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 hence, it’s not required to have a bank account before using a Check Cashing app.

Scroll to Top