Check Cashing Apps – Since the introduction of technology to the banking sector, a great deal has changed, and check cashing has benefited greatly. We’ve seen check cashing shift away from traditional bank walk-ins and toward check cashing via mobile apps.
Previously, cashing checks required you to visit the bank, submit the check, and then wait days for it to be processed; in some cases, processing takes as little as two business days for personal checks and as much as seven days for some accounts.
However, the process of cashing checks has become much easier, more convenient, and more secure since the introduction of mobile check cashing apps. You are no longer limited to depositing a check and waiting days for it to be cashed. This means that anyone, anywhere, at any time, can deposit a check.
If you’ve come to learn about the most reliable instant mobile check cashing apps you may always use to cash your checks or have them securely deposited at your convenience, you’ve come to the right place. I’ve taken the time to outline and explain the best apps for cashing checks instantly. Letssssssssssssssssssssss GO!!!
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What Apps Cash Checks Instantly?
If you need is a fast and easy option to instantly cash a check from the comfort of your mobile phone; Ingo money, Brink’s Money Prepaid, Waleteros, Current app, Boost Mobile Wallet, ACE FLARE, AnytimeCheck, DEPOSIT2GO, and Green Dot are some of the best instant online check cashing apps for cashing checks.
How Can I Cash a Check Online Instantly?
How can I mobile deposit a check? One of the quickest and safest ways to cash your check online is to use mobile check cashing apps. While the process for most check cashing apps varies, the standard procedure is usually as follows:
- Log in to the mobile check cashing app.
- Take a photo of the front and back of the check using your mobile device’s camera.
- Enter the amount of the check.
- Choose the account where you want to deposit the check.
- Carefully review the deposit details, then hit submit.
If you followed the above process, Your check will be processed and you should have your cash in your provided accounts within the next minutes.
Can I Cash a Check Using Cash App?
Physical and paper checks can both be deposited using Cash App as a general rule. However, this feature is currently only available to a small subset of Cash App users, though it’s safe to assume that it will be made available to all in the not really distant future.
How Can I Deposit a Check With My Phone on Cash App?
- In the Cash App, tap on your balance.
- Scroll down and select the option to deposit a check. (If you can’t find this option, you aren’t eligible.)
- You’ll then be prompted to enter the amount of the check you’re depositing.
- Finally, use your phone’s camera to photograph the front and back of the check.
- Make sure the check is endorsed, and under your signature, write “for deposit only.”
Can I Deposit a Check on Chime?
If you are eligible for Mobile Check Deposit, you can deposit your check using the Chime mobile app by following these steps:
- On the home screen, tap Move Money.
- Tap Mobile check deposit.
- Choose the type of check you want to deposit.
- follow the next on-screen steps.
Can I Deposit a Check on Venmo?
Yes, As a Venmo user you are eligible to cash checks on Venmo. You can cash checks worth a minimum of $5 and a maximum of $5,000. You can cash up to $5,000 worth of checks each day and $15,000 worth of checks per month. All checks must have been approved before they are issued.
Does PayPal Cash Checks Instantly?
If the check is accepted, consumers can have the funds transferred to their PayPal Cash Plus account in minutes, with all fees associated with quick disbursement waived for any government-issued stimulus checks handled using the PayPal app.
List of Online Mobile Apps That Cash Checks
1. Ingo Money
Users can cash pay checks, business checks, personal checks, and practically any other sort of check using the Ingo Money App at any time and from any location. As a new user, you must sign up and download it before linking a prepaid card, debit card, credit card, or PayPal account to your user profile.
In the Ingo Money App, you can submit most check types for financing approval. When it comes to how many checks you can cash on Ingo, the lowest is $5 and the highest per single check is $5,000. You can also cash $5,000 in cumulative checks per day and $10,000 in cumulative checks per month.
Checks on ingo money are cashed in minutes for a price of 2% for payroll and government checks with a pre-printed signature and 5% or for all other acceptable checks. There is also a free option, however, you will only get your funds after 10 days.
Users can use ingo money to make credit card payments, purchase an Amazon.com Gift Card, or split a check and fund it into various accounts, such as 50% into PayPal and 50% into a card. (Read more on apps like ingo money)
Pros:
- Can cash up to $5,000 in a day and $10,000 in a month.
- Checks are cleared at an instant and sent to your linked account.
- Can be used to pay credit card bills, and buy an Amazon.com Gift Card.
- You can split a check and fund it into multiple accounts.
- Accepts the prepaid card, debit card, credit card, and PayPal accounts.
Cons:
- The 5% for all other accepted checks is a bit high.
- Doesn’t support most online banks.
- The free check cashing takes up to 10days which is unacceptable.
Download Ingo Money for Android – iPhone
2. Brink’s Money Prepaid
The Brink’s Money Prepaid is a mobile check cashing app that allows you to manage your money on the go from the palm of your hand, including check cashing, viewing your transaction history and balance, and sending money to friends and family, and many other features.
To cash checks on brinks, capture both sides of the check and upload it to the app, where it will be processed and transferred immediately to your associated prepaid Mastercard debit cards within minutes if received before 4:00 pm CST/CDT, or the next business day if received after 4:00 pm CST/CDT.
A daily restriction of $5000 and a monthly limit of $10,000 apply to check cashing. The lowest and maximum cashable check amounts are $5 and $2,500, respectively. While check-cashing costs change, the prices for Brink’s Prepaid Mastercard programs remain constant. Expedited services cost between 2% and 5% more, or a flat fee of $5.
Pros:
- Can cash up to $5,000 in a single day.
- A minimum of $5 and a maximum of $2,500 can be cashed on each cheque.
- Checks are cleared instantly and deposited into your linked account.
- There is a $5 fixed cost, which is subject to change.
Cons:
- Only prepaid Mastercard debit cards are accepted.
- If you cash anything after 4:00 p.m. CST/CDT, you will not receive your funds.
- Most online banks are not supported.
- The free check cashing service can take up to 10 days to process, which is unacceptable.
Download Brink’s Money for Android – iphone
3. Lodefast
Lodefast is a simple Check Cashing app that lets you cash checks and access your money whenever and wherever you wish, When you simply take a photo of both sides of your checks and upload them to the app, without having to wait in lines or drive to a store or bank.
Checks can be deposited for a fee directly to your bank account, Prepaid Debit Card, or Akimbo Card in minutes (you can apply for it if you don’t already have one.) The processing cost for cashing your check will range from 3 to 5% of the total amount, but if you prefer the free version, you will be made to wait for 10 days.
Aside from the fact that lodefast does not have an official website, they are currently only available in the following licensed states: Florida, California, and Texas, which will be added soon.
Pros:
- Checks are cleared instantly and deposited into your linked account.
- Accepts bank accounts, and all prepaid cards, including the Akimbo Card.
Cons:
- There is no official website.
- Not available for iPhone users.
- The app is not accessible on the Google Play Store or the App Store.
- As of the writing of this article, it was only available in a few states.
- To cash a check, free users must wait 10 days.
Download lodefast for Android
4. PayPal
Many people are unaware that, in addition to sending and receiving money, PayPal includes a check-cashing tool that allows you to deposit payments from checks directly into your PayPal Balance account. A service offered by First Century Bank and Ingo. [How to cash checks using PayPal – ultimate guide]
To use the paypal check cashing feature, simply login to the app, go to the wallet, and tap Cash a Check. Snap a photo of both sides of your signed check and select Next and then choose when you want to receive your money. You may submit multiple checks with a total combined value of no more than $5,000 per day and $15,000 per month.
Cashing a government or payroll check with a preprinted signature will incur a 1% fee or a $5 flat fee, while all other checks will incur a 5% fee or a $5 flat fee. Meanwhile, there is no charge if you choose the 10-day delayed funding option.
Pros:
- Can cash up to $5,000 in a single day and $15,000 in a single month.
- Checks are quickly cleared and deposited into your associated account.
- You can choose when your cleared check will be deposited into your account.
- It is possible to use it to pay bills online.
- Government and payroll checks are subject to a 1% fee or a flat $5 fee.
Cons:
- The 5% fee for all other accepted checks seems a little high.
- The majority of online banks are not supported.
- It is unacceptable that the free check cashing service can take up to 10 days.
- Paypal customers in New York have been discontinued from using the service.
Download PayPal for ANDROID – IPHONE
5. Venmo
Like PayPal, many people are unaware that Venmo, in addition to sending and receiving money, provides a check-cashing tool that allows you to deposit payments from checks directly into your Venmo Balance account. A service offered by First Century Bank and Ingo.
With Venmo, You may cash several checks totaling no more than $5,000 per day and $15,000 per month. To use the Venmo check cashing feature, you must have completed the required identity verification by applying for the Venmo Debit Card or Setting Up Direct Deposit.
Once you’ve done that, on your Venmo app, Go to the “Me” tab by tapping your picture or initials, Choose “Manage Balance”, and Select “Cash a Check.” Enter the check amount, Snap both sides of the check, and submit for verification by tapping “Next”. Verification usually takes a few minutes, sometimes up to 1.5 hours.
If your check is approved, you’ll be prompted to write “VOID” across the front of your check and submit another photo showing it has been voided. Do not write “VOID” on your check until you are prompted to do so, after you receive confirmation that your check was approved.
Government and payroll checks with a preprinted signature are cashed for a 1% fee or a $5 flat cost, whereas all other checks are cashed for a 5% fee or a $5 flat fee. There is no cost if you choose the 10-day delayed funding option.
Pros:
- Can cash up to $5,000 in a single day and $15,000 in a single month.
- Checks are quickly cleared and deposited into your associated account.
- You can choose when your cleared check will be deposited into your account.
- It is possible to use it to pay bills online.
- Government and payroll checks are subject to a 1% fee or a flat $5 fee.
Cons:
- The 5% fee for all other accepted checks seems a little high.
- The majority of online banks are not supported.
- It is unacceptable that the free check cashing service can take up to 10 days.
- Venmo customers in New York have been discontinued from using the service.
Download Venmo for ANDROID – IPHONE
6. ACE Flare
ACE Flare, a MetaBank product, provides many of the same services as a traditional bank, such as check cashing, ATM access, a Visa debit card, and direct deposit. This is, however, mostly a check-cashing app.
First Century Bank, N.A., and Ingo Money, Inc. provide the Ace Flare Mobile Check Capture service, and all checks are subject to financing approval at the sole discretion of Ingo Money. Payroll checks, personal checks, business checks, income tax return checks, government checks, and so on can all be cashed.
Simply take a photo of both sides of the check and upload it to your account to cash it; if authorized, the money will be put into your account. Check approval reviews are typically completed in 3 to 5 minutes but can take up to an hour. Furthermore, approved Money in Minutes transactions funded to your account are subject to a fee.
When you employ ACE, With an optional ACE savings account, you may earn an incredible 6.0 % APY on balances under $2,000! Unfortunately, the Mobile Check Capture service is not accessible in the state of New York.
Pros:
- First Century Bank, N.A., and Ingo Money, Inc. provides the mobile check capture.
- Can cash every form of check, from personal to payroll to government, and so on.
- Check approval is completed in less than 10 minutes.
- On accounts under $2,000, you might earn an amazing 6.0 percent APY!
- It can also be used as a banking service.
Cons:
- Unfortunately, It is not accessible in the state of New York.
- Doesn’t offer free check cashing.
Download ACE FLARE for Android – iPhone
7. Current
Current is not a bank, but rather a financial technology firm. Current’s mobile app cuts through the clutter and allows you to engage with your money whenever and however you choose. As a result, a mobile check deposit is merely the tip of the iceberg.
A crucial Current feature is a mobile check cashing. To deposit a check, all you need is the camera on your phone, and current will deposit the funds directly into your account—anywhere, at any time. Current was created to operate with the flow of your life, and nothing disrupts that flow more than a trip to the bank.
To cash a check on Current, open the app and navigate to the Money page. Select Add or Move Money and input the check amount. Snap the front and back of your cheque. To finish your deposit, click Confirm. Approval normally takes a few minutes, and once approved, your money will be transferred to the associated account.
Pros:
- Can cash every form of check, from personal to payroll to government, and so on.
- Check approval is completed in less than 10 minutes.
- It can also be used as a banking service.
Cons:
- Doesn’t offer free check cashing.
- Check to cash can take up to 5 business days in some cases.
- Any check submitted after 4:00 pm would be processed the next day.
- Not available for iOS users.
Download Current for Android
8. Western Union NetSpend Prepaid
Western Union NetSpend Prepaid is a mobile app that is recognized by Western Union for loading checks, sending money, and conducting a variety of other mobile-based banking and money transfer operations through smartphones and tablets device.
To load checks to accounts, users must first take an image with the app’s image capture mechanism. Keep in mind that all checks are subject to funding approval at the sole discretion of Ingo Money, and approval review typically takes 3 to 5 minutes but can take up to an hour.
Checks you can cash on WU NetSpend Prepaid must be between $5 and $2,500 in value. Ingo can only be used for $2,500 each check, $5,000 per day, and $10,000 per month. Fees are also assessed for approved Money in Minutes transactions funded to your card. Unauthorized checks will not be credited to your card.
Pros:
- The app can be used to send and receive money, Load checks, View balance, and Track your spending
- Can easily Find the closest reload locations via the app.
- includes core features such as security-rich, push notification, create a report, etc.
- issued by multiple banks such as MetaBank, and Member FDIC.
Download WUNP for Android – iPhone
9. Deposit2GO
Deposit2GO is a free fintech app that allows you to encash checks worth $10,000 each day from the comfort of your own home using your mobile device or computer scanner, as well as transmit money to various accounts with no hidden fees.
To cash a check with Deposit2GO, just take a picture of both sides of the check with your smartphone camera and upload it. If you submit a check, only the first $200 of the funds will be available for withdrawal the following business day. If your check exceeds $200, the balance will be accessible within two business days. Monday through Friday, barring government holidays, are considered business days.
Deposit2GO provides free membership, secure and safe online banking, and customer service is usually available around the clock. The app similar to ingo money contains basic functions such as moving money quickly, making copies of all deposit checks, safe and secure access to GTE Financials’ online banking, and more.
Pros:
- Quite simple, safe, and completely free for GTE members.
- Available for Android and iOS mobile devices.
- Save trips to a GTE location.
- Convenient 24/7 availability.
- Make a Deposit of up to $10,000 per day and $50,000/30days.
Cons:
- Due to Apple updates, Mac users are no longer able to use the scan feature.
- Chrome is also no longer a viable browser for Deposit2GO on Mac desktops.
- The check may be subject to 2 business days of verification.
- funds of your first three (3) checks will not be immediately available.
Download Deposit2GO for Android – iPhone
List of Other Reliable Cash a Check App
- Check Cashing Store mobile app
- Boost Mobile Wallet
- Waleteros
- Green Dot
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Conclusion
Since its inception, mobile check cashing has gained notoriety in the banking industry, and with advantages such as ease, security, and quick deposit, everyone has embraced it. However, not all check cashing apps are trustworthy, as some may take longer than expected, while others may lack security or charge exorbitant fees.
This is why I came up with This article’s list of instant mobile check cashing apps that hold everything you might want in a check-cashing app. However, before you choose one for your next check cashing, make sure you conduct additional research or ask us questions in the comments below.