7 Check cashing apps that don’t use Ingo for mobile deposits (2023)

We may earn a commission for purchases through links on our site. Learn more

There are plenty of check cashing apps that don’t use Ingo. In this article, we’ll show you eight apps that don’t use Ingo’s technology for mobile deposits.

Ingo Money app is a popular financial app that allows users to cash a check whenever and wherever. The app is convenient and easy to use. You simply take a picture of the check and submit it for approval. If the check is approved, you can choose to have the money deposited into your bank account. You can also get your money through your linked debit or prepaid card, PayPal accounts, Amazon gift cards, or receive it as cash through any MoneyGram locations. There is usually a fee associated with cashing a check through the Ingo Money app, but it is typically lower than the fee you would pay at a check-cashing store.

While Ingo Money is a great option for people who need to cash a check quickly, there are some potential drawbacks to using the app. First, Ingo Money charges a fee for each check that you cash to help cover these costs of service, including check clearing and settlement costs, transaction processing costs, bounced and non-payment check costs, and technology systems and servicing costs. The fee is typically around 2% to 5% of the total check amount, but it can vary depending on the type of check, plus a $5 minimum fee per check. Second, Ingo Money may place a hold on your check for up to 10 days. This means that you won’t have access to the full amount of your check right away. Finally, Ingo Money may not be available in all states.

Despite these potential drawbacks, Ingo Money is still a popular option for many people who the service to cash a check quickly.

However, there are a few check cashing apps like The Check Cashing Store, Chime, Venmo, and PayPal that don’t use Ingo and may give you your money in a cheaper and more convenient way. These apps allow you to cash a check without having to go to a physical location. You can simply take a picture of the check and submit it through the app. The app will then deposit the money into your account.

The Check Cashing Store charges a flat fee of $5 for all checks, regardless of the amount.

Check cashing apps that don’t use Ingo

Below are the best check-cashing apps that don’t use Ingo:

1. Your bank’s mobile app

If you are looking for the best check cashing app that doesn’t use Ingo, look no further than your bank’s mobile app. Most banks, including Chase, Bank of America, Citibank, US Bank, Wells Fargo, and more have mobile apps that let account holders cash checks virtually, and the technology employed, and fees will vary depending on the bank you are using. However, your bank’s mobile check deposit app will likely offer lower fees compared to other check cashing apps.

There are a few things to keep in mind when depositing checks via your bank’s mobile app as well as other check cashing apps. 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.

2. The Check Cashing Store

The Check Cashing Store is another service that doesn’t use Ingo’s technology. They are a financial services company that offers a variety of services to customers. These services include check cashing, money orders, wire transfers, and more. The company has been in business for over 25 years and offers all types of check-cashing services, including Payroll checks, government checks, small business checks, Insurance checks, personal checks, money orders, and more. The Check Cashing Store is a great resource for those who need access to quick cash. The company offers a convenient and easy way to get the cash you need when you need it.

This service is especially useful for people who do not have a bank account or who do not have access to a bank. The fees range anywhere from $5 to 10% of the total check amount.

3. Chime App

Another check cashing app that doesn’t use Ingo is Chime, 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:

1. Log in to the app and tap “Move Money.”
2. 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.

4. 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 to $2,500.

You can get your funds within an hour with a fee or get it in 10 days for free.

5. PayPal

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

6. NetSpend

Cashing a check online with Netspend is one of the best options on this list for check cashing apps that don’t use Ingo. It’s very simple to use as well.

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.

7. Venmo

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.

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.

8. 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.

Bottom line: Check cashing apps that don’t use Ingo

While depositing checks 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 or financial app customer service department for help.

So, if you’re looking for a check cashing app that doesn’t use Ingo, you may want to consider using a check cashing app like The Check Cashing Store. Other options also include your bank’s mobile check deposit app or any of the other mobile app on this list.

We hope you find this post on “7 Check cashing apps that don’t use Ingo for mobile deposits” helpful. If you have any questions, please let us know in the comment section.