31 Check cashing apps that don’t use Ingo for mobile deposits (2024)

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There are plenty of check cashing apps that don’t use Ingo. In this article, we’ll show you thirty-one 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 and Activehours 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. 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.

2. 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.

3. 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 the 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. Deposit2Go

Deposit2Go is another fantastic app that doesn’t use Ingo for mobile deposits, a highly convenient mobile application that empowers users to effortlessly make real-time deposits from anywhere around the globe. Its user-friendly interface and seamless functionality have contributed to its remarkable position in the market, facilitating substantial money transactions.

Similar to other applications, Deposit2Go offers the feature of scanning checks, which imparts numerous benefits, particularly for those utilizing GTE Online Banking. By leveraging this functionality, users can experience a range of significant advantages, including:

  • High Daily Limit: With Deposit2Go integrated into GTE Online Banking, individuals can make deposits of up to $10,000 per day. This generous limit provides ample flexibility for users to manage their financial transactions efficiently.
  • Platform Availability: Deposit2Go is available for both Android and iOS operating systems, making it accessible to a wide range of users regardless of their preferred mobile platform. Whether you use an Android device or an iPhone, Deposit2Go ensures compatibility and ease of use.
  • Check Archive Access: By utilizing Deposit2Go, users gain convenient access to copies of deposited checks for an extended period of up to 18 months. This archival feature proves invaluable for record-keeping, auditing purposes, or any situation requiring historical reference.

The combination of these exceptional features makes Deposit2Go a powerful tool for streamlining deposit processes, enhancing financial management, and simplifying banking activities. Its secure and efficient nature allows users to confidently deposit funds while enjoying the convenience of a mobile banking application.

5. GADA Secure Pay

GADA Secure Pay is an innovative exchange application that sets itself apart by not relying on Ingo Money. This user-friendly platform, designed specifically for mobile phones, offers a range of features that go beyond conventional options. One noteworthy feature is the ability to effortlessly create and send checks directly from your cell phone to businesses and payment providers.

The application boasts several advantages that make it stand out among other platforms, providing users with unique benefits. Let’s explore some of these advantages:

  • Account Balance Alerts: GADA Secure Pay keeps you informed by sending alerts whenever your account balance is low. This feature ensures that you stay on top of your finances and avoid any potential issues due to insufficient funds.
  • Synchronization Capability: The app incorporates a powerful synchronization device that not only records your transactions but also generates patterns of your consumption and expenses. By analyzing this data, GADA Secure Pay helps you gain valuable insights into your spending habits and facilitates better financial planning.
  • Enhanced Security Measures: GADA Secure Pay prioritizes the security of your financial information. The platform implements robust encryption protocols and employs stringent security measures to safeguard your sensitive data, providing you with peace of mind while conducting transactions.
  • User-Friendly Interface: The application boasts an intuitive and user-friendly interface, making it easy for individuals of all backgrounds to navigate and utilize its features. Whether you’re new to digital transactions or a seasoned user, GADA Secure Pay offers a seamless experience.
  • Multi-Purpose Functionality: Apart from its primary function as an exchange application, GADA Secure Pay offers additional utility. Users can leverage the platform to create and send checks, making it convenient for both personal and business transactions.

Overall, GADA Secure Pay stands out as a versatile and secure exchange application that brings convenience and efficiency to mobile banking. With its array of unique features and commitment to user satisfaction, it provides a comprehensive solution for all your financial needs directly from your cell phone.

6. 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. You can download the app from the Google Play Store or iOS App Store.

7. Activehours App

The Activehours App stands out among other financial applications due to its unique feature of allowing users to access cash before cashing their checks. What sets it apart is the ability to receive money based on a screenshot of your payslip within a specific time frame. This feature proves to be extremely beneficial, especially when you find yourself short on funds and need an advance on your paycheck.

The Activehours App is not only convenient but also free to download and use. Unlike some other applications, it has no affiliation with Ingo Money. This platform offers several noteworthy advantages, making it an attractive option for users:

  • No Transaction Fees: One of the significant benefits of using the Activehours App is that it doesn’t charge any transaction fees. Users have the freedom to decide whether or not they want to show their appreciation for the service by providing a voluntary tip. The amount and frequency of the tip are entirely at the customer’s discretion.
  • No Hidden Fees, Interest Charges, or Administrative Costs: With the Activehours App, users can rest assured that there are no hidden fees, interest charges, or administrative costs associated with their cash advances. This transparency ensures that individuals can access their funds without worrying about any additional financial burdens.
  • Availability for Android and iOS: The Activehours App caters to a wide range of users by being available for both Android and iOS operating systems. Whether you have an Android device or an iPhone, you can easily download the app and enjoy its convenient features.

In summary, the Activehours App offers a hassle-free solution for individuals in need of quick cash before receiving their paycheck. Its unique ability to provide cash advances based on a screenshot of a payslip, combined with its user-friendly interface and fee-free transactions, make it an appealing choice for those seeking financial flexibility.

8. Lodefast check cashing app

The Lodefast Check Cashing App is a convenient and free mobile application that doesn’t use Ingo, providing users with a hassle-free way to cash their checks. This app offers a user-friendly platform that allows individuals to send or receive their checks from the comfort of their own homes.

To use the Lodefast Check Cashing App, you simply need to follow a few straightforward steps. First, you’ll need to take clear and legible photographs of both sides of your check. Then, you’ll be prompted to fill in your basic information, such as your name and contact details. After that, you can deposit the check by wire transfer, ensuring a secure transaction.

Once the check is deposited, you can select your preferred payment method from the available options. The application will then proceed to collect the money from the check using the chosen payment method. Rest assured that the process is swift, and you will receive an instant transaction receipt as proof of the successful deposit.

There are several benefits to using the Lodefast Check Cashing App. Firstly, the registration process is easy and straightforward, ensuring that you can start using the app quickly. Secondly, it allows you to cash your check and transfer the funds to your bank account within minutes, providing you with immediate access to your money.

It’s important to note that the Lodefast Check Cashing App charges fees for its services. The fees typically range from 3% to 5% of the check amount for instant exchanges, guaranteeing the swift transfer of your funds. However, if you opt to use the ACH (Automated Clearing House) option, which involves a slightly longer processing time of ten days, the app offers a 0% commission rate.

9. 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 than 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.

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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.

Wells Fargo App

Wells Fargo offers a convenient mobile application that allows you to deposit checks without any charge. With this app, the process of depositing checks is simple and hassle-free. All you need to do is open the app on your smartphone or tablet and follow a few easy steps.

To begin, position the check on a well-lit surface and use your device’s camera to capture clear images of both the front and back of the check. The app provides clear instructions to guide you through this process. Once you have successfully captured the check images, the app prompts you to confirm the deposit details, such as the amount and account you wish to deposit the funds into.

The Wells Fargo app is designed to accommodate various types of checks. Whether you receive personal checks, business checks, or even government-issued checks, you can conveniently deposit them through the app. This feature enables you to manage your finances efficiently, saving you time and eliminating the need to visit a physical bank branch.

After completing the deposit process, the funds from the check are typically available on the next business day. This means that you can access and use the deposited funds for your financial needs quickly and conveniently.

Mobile check depositing through the Wells Fargo app is available to customers who have enrolled in Wells Fargo Online or Wells Fargo Business Online services and maintain an eligible checking or savings account. The app is designed to provide a seamless experience, allowing eligible customers to enjoy the convenience of depositing checks from the comfort of their own devices.

To access the Wells Fargo app, you can download it from either the Google Play Store if you are an Android user or the App Store if you use an iOS device. Simply search for “Wells Fargo” and look for the official app developed by Wells Fargo Bank, N.A. Once you have downloaded and installed the app, you can log in using your Wells Fargo Online banking credentials and start taking advantage of its convenient features.

US Bank App

The US Bank App offers a convenient way for customers to deposit checks at any time, 24/7. All you need to do is use your smartphone to capture a photo of the front and back of the check, and then follow the provided instructions to complete the deposit process and access your funds.

Typically, the first $225 of your daily deposits will be made available immediately. This means you can use that portion of the funds right away for your financial needs. As for the remaining amount of your deposit, it will usually be available on the next business day if the deposit was made before 9 p.m. Central Time. This quick availability of funds allows for efficient management of your finances.

However, it’s important to note that individual deposits above a certain dollar amount may take longer to become available. In such cases, it may take up to 5 business days for the full deposit amount to be accessible. US Bank will inform you about any additional processing time required for such deposits before you confirm the deposit. This transparency ensures that you have a clear understanding of when the funds will be available for use.

One noteworthy advantage is that US Bank does not charge any fees for check cashing through the app. This means you can conveniently deposit checks without incurring any additional costs or service charges.

To access the US Bank App, you can download it from the Google Play Store if you’re an Android user or from the Apple App Store if you’re an iOS user. By installing the app on your mobile device, you can take advantage of its features and functionalities, including check deposits, while on the go.

Chase App

The Chase app offers a convenient and user-friendly way to deposit checks. With this app, depositing checks becomes a hassle-free process. All you need to do is take a photo of the check using your smartphone’s camera, follow the simple on-screen instructions, and voila! Your check will be deposited directly into your Chase account.

Chase’s check cashing service is called QuickDeposit, and one of its standout features is that there are no fees associated with using it. This makes it an attractive option for Chase customers who frequently receive checks and want a convenient way to deposit them without incurring additional charges.

When it comes to processing times, deposits submitted before 11 pm Eastern Time on a business day are typically available by the next business day. However, if you submit a deposit after 11 pm or on a non-business day, it will be processed on the following business day. It’s worth noting that Chase may delay the availability of funds if they need to conduct a further review of the deposit.

To stay updated on any information regarding delayed availability, Chase provides a Secure Message Center within the app. You can access this center through the main navigation menu. Any important notifications or details about the status of your deposit will be communicated through this secure channel, ensuring that you have all the necessary information at your fingertips.

To get the Chase app, you can find it on both the Android and iOS platforms. If you have an Android device, you can download the app from the Google Play Store. For iOS users, you can find the app on the App Store. Simply search for “Chase” in the respective app store and look for the official Chase app to download and install on your device.

Using the Chase app and its QuickDeposit feature, you can conveniently deposit checks without any fees, enjoy relatively quick processing times, and receive important updates through the Secure Message Center. It’s a practical solution for Chase customers looking to simplify their check depositing process.


AnytimeCheck is a convenient option for individuals seeking check cashing apps that do not rely on Ingo. It offers a versatile solution for sending and receiving multiple checks efficiently. With AnytimeCheck, users can access a combined check writing and check depositing service through various platforms, including mobile devices, web browsers, and even phone calls.

One of the key features of AnytimeCheck is its subscription-based model. Subscribers can enjoy the benefits of cashing or writing checks electronically, which eliminates the need for physical checks. Depositing checks is a straightforward process, as the app allows you to link it to any U.S. bank account, giving you the flexibility to choose where the funds will be deposited.

Rather than charging fees per individual check, AnytimeCheck utilizes package-based pricing. The cost of the packages varies depending on the number of checks you send or receive. For example, the pricing ranges from around $20 for 10 checks (either sent or received) to approximately $100 for 75 checks (sent or received). Additionally, AnytimeCheck offers combination packages that include both sending and receiving checks at a lower per-check price, providing further cost-saving opportunities.

It’s important to note that AnytimeCheck follows a monthly billing cycle for its fees, which are automatically charged unless you decide to cancel your subscription.

If you want to use the AnytimeCheck app, you can download it on Android devices. However, please be aware that at the time of this information, the app is not currently available for iOS users.

Santander Mobile Banking App

The Santander Mobile Banking app offers a convenient and user-friendly way to manage your banking needs right from your smartphone. One of the standout features of this app is its ability to facilitate check deposits, allowing you to conveniently and securely deposit checks without visiting a physical branch.

To take advantage of the Mobile Check Deposit feature, all you need to do is download the Santander Mobile Banking app on your Android or iOS device. Once installed, you can easily navigate to the check deposit feature within the app.

When you’re ready to deposit a check, simply launch the app and follow the step-by-step instructions provided. Begin by selecting the option for check deposit and then follow the prompts to capture a few photos of the front and back of the check. The app will guide you to align the check within the camera frame, ensuring that the images are clear and legible.

After capturing the required images, the app will prompt you to verify the details and enter the deposit amount. Once you have reviewed the information and confirmed the deposit, the app will securely process the transaction. You can then expect the funds to be available in your account within a reasonable timeframe, depending on Santander’s processing policies.

A significant advantage of using the Santander Mobile Banking app for check deposits is that there are no fees associated with this feature. You can save time and money by avoiding trips to physical branches or ATMs to deposit your checks manually. Instead, simply utilize the app’s intuitive interface and enjoy the convenience of depositing checks from anywhere, at any time.

Whether you use an Android device or an iOS device, you can easily download the Santander Mobile Banking app from the respective app stores. Simply search for “Santander Mobile Banking” in the Google Play Store for Android or the App Store for iOS. Once installed, you can log in to your Santander account or create a new one to access a wide range of banking services, including the hassle-free Mobile Check Deposit feature.

Here’s a list of some more banking apps that offer mobile check cashing:

  • Alliant Mobile Deposit
  • Ally Bank
  • Bank of America
  • Capital One
  • Charles Schwab
  • Citibank
  • Citizens Bank
  • Discover
  • Fifth Third Bank
  • Guaranty Bank
  • Huntington Bank
  • Navy Federal Credit Bank
  • PNC
  • Truist (formerly SunTrust)
  • TD Bank
  • Union Bank & Trust
  • USAA
  • Wintrust

Advantages of using your bank’s mobile app for check deposits

Using your bank’s mobile app offers several advantages, with one of the major benefits being the potential to find the lowest fees compared to other services like Ingo. In fact, many banks recognize the value of providing convenient and cost-effective solutions for their customers, and as a result, they offer free check deposit functionality within their mobile apps.

The availability of free check deposits through a bank’s mobile app can save customers a significant amount of money. In traditional banking, depositing a check often requires visiting a physical branch or an ATM, which may incur fees. However, with a mobile app, you can conveniently deposit checks from the comfort of your own home or any location with an internet connection, without incurring any additional charges.

Moreover, the ease of depositing checks through a mobile app can be a time-saving convenience. Instead of waiting in line at a bank branch or finding an ATM, you can simply open your bank’s app, take a photo of the front and back of the check, and submit it for deposit. The app’s built-in technology can efficiently process the check images and initiate the deposit, reducing the need for manual intervention and streamlining the overall process.

By offering free check deposits through their mobile apps, banks aim to provide added value to their customers and promote the adoption of digital banking solutions. This not only benefits individual customers but also contributes to the overall efficiency of the banking system. The cost savings realized by banks through reduced overhead associated with physical processing can be passed on to customers in the form of lower fees or enhanced services.

It’s important to note that while many banks offer free check deposits through their mobile apps, specific terms and conditions may vary. Some banks may have limits on the number or amount of checks that can be deposited for free within a given period, or they may require the checks to meet certain eligibility criteria. Therefore, it’s advisable to review your bank’s policies and guidelines regarding mobile check deposits to ensure you understand any potential limitations or requirements.

In summary, utilizing your bank’s mobile app for check deposits can be highly advantageous, particularly due to the potential for lower fees compared to alternative services like Ingo. The convenience, time-saving nature, and cost-effective benefits of depositing checks through a mobile app contribute to an enhanced banking experience for customers while supporting the ongoing digital transformation of the banking industry.

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 “31 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.

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