Easiest Mobile Check Upload for Personal Checks to Clear

Check cashing apps let yous greenbacks physical checks on the go at whatsoever time. Review the top eleven non-banking concern bank check cashing apps (and their fees) in this guide.

Deposit a Check Using a Mobile App

Mobile check deposits let you to deposit checks without going to the bank. Chinkle is a financial technology visitor, not a bank. Banking services provided by, and debit bill of fare issued past, The Bancorp Bank or Stride Banking company, North.A.; Members FDIC.

Demand to greenbacks a altogether cheque from your aunt? Or mayhap a tax refund, or a security deposit?

Due to "Catch Me If You lot Can"-style fraud, virtually banks won't cash your check without an business relationship.

Luckily, there are several workarounds if your bank doesn't offer mobile cheque deposits. Read on for options if you're unbanked or if you just prefer using prepaid cards.

Best Tertiary-Party Apps for Cashing Checks

The apps below let you cash checks instantly using your phone's camera. These range from prepaid card providers to virtual alternatives to traditional checking accounts.

Fellow member FDIC

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Brink's Money Prepaid: Most Secure App

Talk about tight security - Brink's is primarily known for their piece of work in the armored transportation industry delivering greenbacks to ATMs and banks. Brink'southward too offers a prepaid debit card and check cashing service using their mobile app.

The check cashing functionality and prepaid Mastercard debit cards are offered through Start Century Bank, N.A.

4.3 stars on Google Play Store | 3.three stars on App Store
Go paid faster with direct deposit
2% expedited cheque cashing fee for government and payroll checks
5% expedited fee for all other checks
Earn greenbacks back with Brinks Money Prepaid Points

Which apps let yous greenbacks checks instantly?
Most of the apps listed in this article volition let you to cash a check instantly. Nonetheless, ready to pay a 2%–v% expedited fee depending on the type of check.

Ingo Money: Most Versatile App

There's a skilful reason Ingo is the nearly popular app in this category.

With Ingo, you lot can link your banking company; prepaid, credit, or debit menu; or PayPal account to eolith money. You can even split a check between accounts (for example, l% to PayPal and 50% to a prepaid card).

You can also qualify for Ingo Gold Preferred Pricing if you cash checks oft (at to the lowest degree vi checks in the last 90 days).

three.9 stars on Google Play Shop | iv.1 stars on App Store
$5 fee for payroll or government checks $250 or less (2% for checks over $250)
$5 fee for all other checks $100 or less (five% for checks over $100)

Don't desire to apply Ingo? Hither are v alternatives:

Venmo
PayPal
NetSpend
CashApp
Boost Mobile Wallet

Venmo: Best for ATM Admission

You may be surprised to larn that Venmo is more than just a person-to-person payment app. If y'all sign up for a Venmo Debit Card or direct eolith, you tin cash checks inside the app.

4.3 stars on Google Play Store | four.9 stars on App Store
1% fee for payroll and regime checks (5% fee for all other checks)
No fee for ten-day approval option
Fee-complimentary ATM withdrawals at 30,000+ MoneyPass locations
Earn cash back with Venmo debit Mastercard

How to cash a check on Venmo:

Download the Venmo app
Sign up for Venmo Debit Card or set upwards directly eolith
Go to top right drop-downward menu
Select "Manage Residuum"
Select "Cash a Check" and follow the prompts

PayPal: Nigh Trusted Cash Checking App

PayPal's check cashing service is another that is provided through First Century Banking concern and Ingo, but it provides a better fee structure and a more trusted proper noun.

iv.ii stars on Google Play Store | four.viii stars on App Store
one% fee for payroll and government checks
v% fee for all other checks
$5,000 maximum check amount
Near-instant blessing

Lodefast: Best for Akimbo Card Carriers

Important notation: Lodefast is currently merely available for Florida residents (with California coming soon), according to their website.

The Lodefast app by Lodestar Financial allows you to greenbacks checks online to deposit into your linked bank business relationship, debit menu, any prepaid debit bill of fare, or Akimbo Card.

Like near other check-cashing services, in that location is a complimentary selection if yous tin can expect 10 days for your deposit with the option for instant deposit with a pocket-size fee.

ACE Flare: Best Nontraditional Banking company Business relationship

Provided through MetaBank, ACE Flare provides many of the aforementioned services you tin receive at a traditional bank, such every bit cheque cashing, ATM access, a Visa debit card, and direct deposit. Yet, this is 100% a check-cashing app.

ACE uses First Century Bank, N.A. — the same provider as Brink's and Ingo. With an optional ACE savings account, you can fifty-fifty earn an absurd 6.0% APY on balances under $ii,000.

3.9 stars on Google Play Store | two.7 stars on App Store
Fee-costless greenbacks withdrawals at 950 ACE locations in 23 U.South. states
No charge for standard check cashing
2-five% expedited cheque cashing fee

NetSpend: All-time for Prescription Purchases

Netspend, provided through Ingo, offers a fairly standard fee structure. However, customers tin receive sizable discounts on prescription purchases on FDA-canonical pharmaceutical medication with the Chemist's shop Savings Carte.

4.0 stars on Google Play Store | 2.7 stars on App Store
1% or $5 fee for payroll or government checks (whichever is greater)
iv% or $5 fee for all other checks (whichever is greater)
Up to fifty% discount on FDA-approved pharmaceuticals

AnytimeCheck: Best for Businesses

With AnytimeCheck, business owners can get paid by customers by newspaper check without having to wait for the mail service or visiting their banking concern to make a deposit.

3.six stars on Google Play Shop
Basic Plan (xx checks): $1.75 per cheque
Pro Plan (50 checks): $1.l per check
Premium Plan (150 checks): $i.25 per check

The Check Cashing Store: Most Simple App

You won't go a lot of frills with The Check Cashing Shop — indicated by the proper name — merely you will be able to deposit checks on your mobile device and send the coin to a linked Visa, Mastercard, or Find menu.

The fee structure is not listed on the company website and customer service representatives volition non disclose information technology over the phone. However, you tin expect the standard fee schedule of between 1% and five% for each cheque.

ii.6 stars on App Shop
But available to Florida residents
Physical storefront locations bachelor across the country

Waleteros: Best for People with Family in Central America

If you lot have relatives in Central America, Waleteros is the optimal pick for yous. Waleteros offers one-time $0.99 transfers to various locations in Mexico, Cuba, Republic of el salvador, Republic of guatemala, and Nicaragua at the kickoff of each month.

This app allows you lot to cash checks, receive your directly deposit, and send money with very few fees. In that location are no minimum account balances, no overdraft fees, and customers tin can enjoy over 20,000 nationwide fee-free ATM locations.

1.75% check cashing fee
$0.75 charge for sending money to family and friends

Deposit2Go: Best Free Check Cashing Service

If you don't mind a retro-looking app that will bring yous back to 2007, Deposit2Go offers fee-free check cashing for members of NCUA-insured GTE Fiscal.

3.iii stars on Google Play Store | 1.viii stars on App Shop
Free check cashing for GTE members
Deposit up to $x,000 per twenty-four hour period

Can You Cash a Check Instantly?

Yeah! Many apps on this listing (including Ingo, Venmo, and PayPal) allow yous to access cash within minutes of submitting your request.

Unfortunately, these companies know instant deposit is in high demand. While they may not charge for 10-mean solar day bank check clearing, they almost always accuse fees for expedited deposits.

Be aware that if your check does not clear, your deposit will be reversed, and yous could confront some steep overdraft fees or returned check fees. Make sure that you trust the check issuer before utilizing the instant eolith feature.

Where Can I Cash a Check Without Verification?

The only true way to cash a check with no banking concern account and no identification is to sign the cheque over to some other person by signing the back and asking them to greenbacks it for you.

If you have an ID bill of fare but no banking company and practise non want to download a check-cashing app, y'all tin cash checks by visiting the banking concern that printed and issued the cheque, too known as the "bank of origin."

The Bottom Line: Should Y'all Greenbacks a Check with an App?

Check cashing apps are a quick and piece of cake manner to deposit your bank check money. If y'all're unbanked, adopt using prepaid cards, or just like the convenience of a cheque cashing app, the picks on this list are definitely worth checking out.

Proceed in mind, if you need to deposit checks frequently or rely on expedited deposits, be careful of the fees you lot might incur. Fifty-fifty a minor i% fee for payroll checks can add up.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if yous shop through links in our content. Yous do not have to employ our links, simply y'all aid support CreditDonkey if you do.

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