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Check cashing online via apps is becoming increasingly popular, as it is a convenient way to manage one’s finances. Most banks have mobile apps that let account holders deposit checks virtually, and the technology used, and fees will vary depending on the bank. However, you will likely find the lowest fees with your own bank’s mobile app.
There are many advantages to depositing checks via a mobile app. First, it is a very convenient way to manage your finances. You can deposit checks anywhere, at any time, as long as you have your phone with you. Second, it is often faster than depositing a check in person. Once the check is deposited, the funds are usually available within one to two business days. Finally, it is a safe and secure way to deposit checks. When you deposit a check via a mobile app, the check is scanned and the funds are transferred electronically. This eliminates the risk of lost or stolen checks, and you don’t have to worry about carrying large amounts of cash with you.
There are a few things to keep in mind when depositing checks via a mobile app. First, make sure that the check is endorsed with “For Mobile Deposit Only” and your signature. Second, take a clear photo of the front and back of the check. Make sure that all four corners of the check are visible, and that the information on the check is legible. Finally, enter the amount of the check and verify the information before submitting the deposit.
Assuming you have a check and have followed the above steps, you are ready to deposit the check via your mobile banking app. To do so, simply log into your account and navigate to the “Deposit” or “Check Deposit” page. From there, you will follow the prompts to select the account you wish to deposit the check into, enter the amount of the check, and then take a photo of the front and back of the check. Once the check has been deposited, you will typically receive a confirmation message letting you know that the deposit has been processed.
While check cashing via a mobile app is generally a simple and straightforward process, there are a few things that can go wrong. If you are having trouble taking a clear photo of the check, try setting the check on a dark background or using a flashlight to illuminate it. If the app is not accepting your deposit, make sure that you have entered all of the information correctly and that the check is endorsed correctly. If you are still having trouble, you can always contact your bank’s customer service department for help.
16 Fast ways to cash a check online
There are a few different ways that you can cash a check online, including signing up for services like Chime or Venmo. These platforms allow you to link your bank account to their service, cash a check, transfer the funds to your balance and withdraw to your bank account. You can then use the money in your account to pay for things or withdraw it as cash.
Another way to cash a check online is to use a service like Ingo Money. With this service, you can take a picture of your check and they will deposit the money into your account. You can then spend the funds through a connected debit card or withdraw them as cash.
Other platforms you can use to cash a check online are services like the Bank of America App, Green Dot App, Cash App, and more. With these services, you can snap the check to them and they will then send you the money. You can then use the money to pay for things or withdraw it as cash.
Whichever option you choose, cashing a check online is a convenient way to get your money without having to go to a bank.
Below are the 16 best check-cashing apps to cash a check online:
PayPal is one of the easiest platforms to cash a check online in three steps. Best of all, it’s free, but there is the option to pay a little fee to get the money in minutes.
The Cash a Check feature in the PayPal app allows you to cash checks and have them credited to your PayPal Balance account. This is a great way to quickly and easily add money to your account without having to go to a bank or ATM. The process is simple and only takes a few minutes. To use this feature, you will need to have a camera-enabled smartphone or tablet.
To cash a check using the PayPal app, simply open the app and log in to your account. Then, go to the “Wallet” tab and select “Cash a Check.” You will then be prompted to enter the check amount and take a photo of the front and back of the check. Once the check has been processed, the funds will be added to your PayPal Balance.
You have the option to choose to get your money in 10 days with no fee or instantly with a fee.
This feature is a great way to quickly and easily add money to your PayPal account. It is also a convenient way to avoid having to go to a bank or ATM to cash a check
2. Ingo Money
Ingo Money is another fantastic financial app you can use to cash a check online.
- Sign up for the app if you don’t have an account yet, or sign in and tap “Cash a Check”
- Snap a photo of the front and back of your check and choose when you want your funds.
- Choose where you want your funds and then submit your check for review.
You have the option to receive your money in your bank, prepaid card, or PayPal account. You can also use the funds to buy an Amazon Gift Card, pay credit card bills or pick up the cash at any MoneyGram location.
The review process typically takes just a few minutes, and then your check will be approved. You can get the money immediately for a fee or get the money in 10 days for free.
Cashing a check online with Netspend is one of the best options on this list and very simple too.
You first need to download the latest version of the app, navigate to the menu on the left and select “Mobile Check Load.” Follow instructions on the screen to snap the check. You can get the money immediately for a fee or get the money in 10 days for free.
4. Chase App
Chase has a QuickDeposit app that offers a remote deposit solution that lets you scan your paper checks and send the scanned images electronically or through mobile deposit to Chase. Once the check has been processed, the money will be deposited into your checking account. To get started:
- Sign in through the Chase Mobile app and choose “Deposit Checks” from the navigation menu.
- Choose the deposit account and enter the amount.
- Snap pictures of both the front and back of the check and tap “Submit.”
The beauty of cashing a check via Venmo is that it’s so convenient. No more waiting in line at the bank or trekking to the ATM. Just open the app and tap a few buttons. In addition, the feature is available to everyone, even those without a bank account. That’s a huge plus for those who are unbanked or underbanked.
When you receive a check, you can cash it using the Venmo “Cash a Check” feature.
Log in to the app and go to the “You” tab and then tap “Manage balance.” Next select Cash a Check.” You’ll then be prompted to take a picture of the check, enter the amount of the check and provide a description to complete the transaction. The funds from the check will then be deposited into your Venmo account. The money will be available in your account instantly. There is no fee to use this service, making it a great option for those who need to cash a check but don’t want to pay a fee.
This is a great feature for those who may not have a traditional bank account or who want to avoid fees associated with cashing a check at a bank. It’s also convenient for those who want to deposit a check without having to leave their home or office.
This feature is also great for those who want to avoid the hassle of going to the bank. No more waiting in line or dealing with tellers. Just take a photo of your check and deposit the funds into your account. It’s that easy.
If you need to cash a check, Venmo is a great option. It’s quick, easy, and best of all, free.
In order to use the Cash a Check feature, you must be verified by applying for the Venmo Debit Card or Setting Up Direct Deposit. Once you’ve done that, you can cash any eligible check.
You can get the money fast “in minutes” for a fee or “in 10 days for free”
6. Bank of America App
Bank of America has a mobile banking app with a check deposit feature that’s free to use. You can deposit checks from almost anywhere with the app using your smartphone. You’ll also receive a confirmation immediately your deposit has been received.
Bank of America check deposit processing cut-off time is 9 PM EST. Any deposit after 9 PM will become available the following business day.
To deposit checks with the Bank of America banking app:
- Open the app, use your fingerprint to log in, and select “Deposit Checks.”
- Sign the back of the check and write “for deposit only at Bank of America”.
- Snap pictures of the front and back of the check with your smartphone and select the account to receive the deposit, enter the amount, and tap “Next.”
- Confirm the details and tap “Submit.”
7. Chime App
Chime is a mobile banking service that offers mobile check deposits to members who receive payroll direct deposits of at least $1 a month. This service is convenient for those who are always on the go and need to deposit their paycheck without having to go to a physical bank location. In addition to mobile check deposits, Chime offers other features such as balance updates, account alerts, and more.
Once you receive at least $1 a month, the Chime mobile check deposit feature will automatically be enabled for you the following business day. To deposit a check on Chime:
- Log in to the app and tap “Move Money.”
- Tap “Mobile check deposit,” and select the type of check you want to deposit. Follow the instructions to take a picture of your check and complete the process.
You can then spend the money from your Chime account or withdraw from the ATM with your Chime card.
8. Citibank Mobile Check Deposit
Citibank’s mobile check deposit is a great way to deposit checks when you’re on the go. All you need is a smartphone and the Citibank app. Here’s how it works:
- Open the Citibank app and sign in.
- From the menu, select “Move Money” and then “Deposit Checks.”
- Enter the amount of the check and tap “Continue.”
- Sign the back of your check and take a photo of the front and back of the check.
- Review the information and tap “Submit.”
Once the check is deposited, you’ll receive a confirmation email. You should see the funds in your account within a few days. Citibank’s mobile check deposit is a convenient way to deposit checks when you’re on the go.
9. US Bank App
You can deposit checks 24/7 with the US Bank through its mobile app check deposit feature. All you need to do is:
- Download and log in to the US Bank mobile app and select “Deposit,” then tap “Deposit a check.”
- Choose the account to deposit the money into and type in the amount.
- Snap a picture of the front and back of the check using the camera on your phone or tablet and follow instructions to fill in all your details.
- Review all details and select “Deposit.”
If you made the deposit latest 9 PM Central Time, the fund is usually available for withdrawal the following business day. Best of all, the mobile check deposit feature is free.
10. Wells Fargo App
Wells Fargo is another bank that lets you deposit checks through its mobile deposit feature and cash out your funds. It’s fast, easy, and convenient to use. There is currently no fee to use Wells Fargo Mobile Deposit.
First, download the Wells Fargo Mobile app and follow the steps below:
- Navigate to the bottom bar and select “Deposit.”
- Select the account to deposit the funds into and type in the amount.
- Sign the back of your check and write “For Mobile Deposit at Wells Fargo Bank Only” below your signature or tick the box that says: “Check here if mobile deposit.”
- Snap pictures of the front and back of the check using the camera on your phone
- Review your details and submit your deposit.
If the check deposit is successful, a confirmation message will be sent to your phone. In addition, you’ll receive a deposit confirmation to the email address associated with your account.
11. Green Dot App
Taking the 11th spot on our list is Green Dot bank. You can cash your paycheck, personal check, insurance agency checks, stock dividend checks, government checks, and more on Green Dot by using the Ingo Money App.
You basically download the Ingo Money app on your phone, set up your profile, and link your Green Dot card to the app. Next, take photos of the front and back of your check. You can get your money in 10 days for no fee or get it within minutes of completing the process, but for a fee.
12. First Midwest Instant Check Cashing
First Midwest Instant Check Cashing lets you deposit all types of checks, including payroll checks, personal checks, business checks, two-party checks, cashier’s checks, government checks, and more.
To deposit a check, download and log in to the First Midwest Consumer Mobile App, tap the “+” button, and select “Deposit.” Choose the account you want to deposit the funds into and enter the amount. Allow access to your smartphone camera and take photos of your check. Confirm the check and submit it. There are no fees for using the check deposit feature.
There’s no need to stand in line at the bank or the post office to deposit a check anymore. With GoBank’s mobile check deposit, you can deposit a check from anywhere, at any time.
To deposit a check with GoBank, simply log in to your account on your mobile device and select “Deposit” and then “DEPOSIT A CHECK.” Sign your name on the back of the check and write “For mobile deposit only” below your signature. Follow the instructions to take a picture of your check and submit it for deposit.
It’s that easy! With GoBank’s mobile check deposit, you can make deposits whenever and wherever it’s convenient for you.
To qualify for using the GoBank Mobile Check Deposit feature:
- You must have activated the card mailed to you
- You must have had at least four payrolls or government benefit direct deposits within the past two months
- You must have had point-of-sale card transaction activity within the last 30 days.
You can also cash checks on the GoBank app through Ingo Money by linking your GoBank card to the Ingo Money app.
14. Santander Mobile Banking App
The Santander mobile banking app has a mobile check deposit feature that lets you cash checks anytime anywhere on your smartphone. To deposit a check:
- Login into your Santander Mobile Banking App. Navigate to the bottom of the window and tap the Money Movement icon.
- Tap “Deposit Checks” and Tap “Deposit Amount.” Enter the amount you want to deposit and tap “Done.”
- Tap “Check Front” and tap “Continue.”
- Snap pictures of the front and back of the check and tap “Deposit To.”
- Choose the account you want to deposit money into and tap “Submit.”
- You should receive a message that reads: “Deposit successfully scheduled”
- Tap “Done” to complete the process.
Santander’s mobile check deposit is totally free. Deposits made after the 10 PM ET cut-off time will be processed on the following business day.
15. ACE Elite
You can deposit checks through the Ace Elite Prepaid app. You first need to download the app to set up your ACE Elite card for mobile check deposits. This will allow you to easily load any eligible checks into your account. Most check types are allowed, in any amount between $5 – $2,500.
You can get your funds within an hour with a fee or get it in 10 days for free.
16. Brink’s Money Prepaid
The Brink’s Money Prepaid app is a great way to load checks right from your phone. You can use the app to capture images of checks and then load them onto your prepaid card. This is a great way to avoid having to go to the bank or ATM to deposit your checks.
The app is very easy to use. You simply open the app and take a picture of the front and back of the check. The app will then load the check onto your prepaid card. You can use the app to track your balance and transactions.
You may be charged a fee if you want your money fast.