How to cash a check without a bank account, but you have ID: Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) Cash the check at a check-cashing store.

1. Cash Check Online Now
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4. Check Cashing Locations Near Me
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1. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for.
2. Jul 31, 2020 Check cashing is when a recipient converts a paper check to cash to use the funds. Traditionally, checks have been cashed at bank branches and ATMs or via mobile banking apps, but a new generation of check-cashing apps lets you load checks to an online account or a credit or debit card.

Getting a check isn’t the most convenient way to get paid. Direct Deposits, PayPal and other sites like PayPal are much faster, right?

Yet many companies, organizations and individuals still choose to pay by check.

There are obviously many ways to cash a personal check near you, going to the bank for example. Getting down to the bank can be a pain, so if you’ve got a check you need to cash, you might be wondering if there’s a way you can do it online.

If you’ve ever wondered how to cash a check online, you’ll be glad to know that there are actually plenty of options available to you.

Can I Actually Cash a Check Online?

While cashing a check online is totally possible, it does differ slightly to when you cash a check in-person.

When you take a check into a physical location like a bank or check cashing store, you can get cash on the spot. So you literally “cash” the check.

On the other hand, when you come to cash a check online you’re not “cashing” it per se, you’re depositing it into your bank account.

This means if you’re looking for cash you can hold in your hand right now, then you’ll need to head into your bank or closest check cashing place.

However, if you are cool with having the funds deposited into your bank, then cash your check online instead.

It’s so convenient. You don’t have to head out anywhere. You can do it right from your computer or even your phone!

Amazing, right?

Where to Cash a Check Online Now

We all know that trying to actually get to the bank during open business hours is so hard – often by the time we’ve finished work the bank is closed. So you have to trudge on down there at the weekend and who wants to do that?

That’s why cashing a check online is such a good option.

Thankfully, there are lots of places where you can get a check cashed online. Some of these places also let you cash other forms of payments. You can even cash a money order. It’s pretty easy to do as well.

Here are the best places where you can deposit a check online.

1. PayPal

• Fees: No, but there’s a ten day wait or you can pay a fee to get the money in minutes

Since most of us do have a PayPal account anyway, it’s definitely an option to consider.

PayPal has a Cash a Check service in the PayPal app. It allows you to cash checks and have them credited to your PayPal Cash Plus account. (If you don’t have a PayPal Cash Plus account already, you’ll be asked to set one up.)

It’s really easy to do as well.

• Take a photo of the check you want to cash.
• Send it to PayPal for review.
• If it’s approved, you can get the money sent right to your PayPal account in minutes. However, if you want the money in minutes, you do need to pay a fee.
• If you don’t need the cash right away, then you can choose to get your money in 10 days with no fee.

So it’s great that PayPal gives you a couple of options here.

• Learn more about cashing a check with PayPal here.
• Download PayPal for Android devices here.
• Download PayPal for iOS devices here.

2. Ingo Money

Cash Check Online Now

• Fees: No, but there’s a ten day wait or pay a fee to get your money in minutes

Next on the list we have Ingo Money.

With it you can cash paychecks, personal checks, business checks and more. The best part is that you can get your money in minutes.

It’s really easy to cash a check with Ingo Money.

• Just open up the app.
• Take a photo of the front and back of your check.
• Choose when you want your money, and where you want your money to be deposited. You can get your check sent to your bank, prepaid card, or PayPal account.
• Submit your check for review. The review process usually takes just a few minutes.

You can get the money in minutes, but you will be charged a fee.

Or you can choose to get the money in 10 days for free.

• Download Ingo Money for Android devices here.
• Download Ingo Money for iOS devices here.

3. Chase App

• Fees: No

Chase has an app you can use to deposit checks. It’s super easy, working in much the same way as cashing one with PayPal or Ingo Money.

Basically, you take a photo of the check, follow the on-screen instructions, and have your check deposited into your account.

The service is called QuickDeposit and there are no fees for using it.

Deposits that are submitted before 11pm Eastern time on a business day are usually available by the next business day. Deposits that are submitted after 11pm or on a non-business day will be processed the next business day.

• Download the Chase App for Android devices here.
• Download the Chase App for iOS devices here.

4. NetSpend

• Fees: No, with a 10 day wait or fees charged for expedited deposits.

Next on the list we have NetSpend. It’s an organization that offers a selection of prepaid debit cards.

And, of course, it provides check cashing.

NetSpend allows you to cash checks to your card using its Mobile Check Load feature.

All you need to do is get the app, take a photo, and follow the on-screen instructions – so again it works in much the same way as the apps above.

This is another one that allows you to cash a check for free if you’re willing to wait 10 days to get the money. Otherwise, you may be charged a fee.

Here’s where to get the app:

• Download NetSpend for iOS devices here.
• Download NetSpend for Android device here.

5. Bank of America App

• Fees: No

You can use the Bank of America app to deposit checks, which is great.

Most of these apps work in a similar way. And this one is no different. You’ll need to take a photo of the check and follow the on-screen instructions in the app to get your money.

You can cash lots of different types of checks with the Bank of America app, including:

• Personal checks
• Business checks
• Government/treasury checks
• Cashier’s checks

Checks that are received by the cutoff time (9pm ET and 8 pm PT) on a business day are generally available in your account on the next business day.

There’s no fee charged by Bank of America to use the Mobile Check Deposit feature.

Learn more about cashing a check with the Bank of America app here.

Here’s where you can get the app:

• Download the Bank of America app for Android devices here.
• Download the Bank of America app for iOS devices here.

6. Chime App

• Fees: No

Chime provides mobile check deposits to members who receive payroll direct deposits of more than $200 a month.

Mobile check depositing will be automatically enabled in your Chime app 30 days after you receive your payroll direct deposit.

• Download Chime for Android devices here.
• Download Chime for iOS devices here.

7. US Bank App

• Fees: No

Next we have the US Bank app. With it, you can deposit checks 24/7. All you need to do is take a photo of your check and follow the instructions to get your cash.

If you make a deposit by 9 p.m. CT, the balance is usually posted to your account the following business day.

• Download the US Bank app for Android devices here.
• Download the US Bank app for iOS devices here.

8. Wells Fargo App

• Fees: No

Wells Fargo is another bank that has an app you can use to deposit checks.

Again, you’ll just need to take a photo of the front and back of your check, and follow the instructions to cash it.

With the app, you can deposit personal, business, and most government checks.

Mobile deposited funds will become available on the day after the deposit credit date.

There are no fees for Wells Fargo Online and Wells Fargo Business Online customers to use the mobile deposit feature.

• Download the Wells Fargo app for Android devices here.
• Download the Wells Fargo app for iOS devices here.

9. Green Dot App

• Fees: No

Next on the list we have the Green Dot App.

Green Dot is an app that’s designed to help you to manage any Green Dot debit card or bank account. And you can even cash a check with the app.

This one allows you to deposit lots of different checks, such as:

• Personal checks
• Payroll checks
• Insurance agency checks
• Money orders
• Cashier’s checks
• Rebate checks
• Stock dividend checks
• Tax refunds
• Federal, state and municipal government checks

And you can deposit checks right from your phone.

Just take a photo of the check and then follow the instructions in the app.

Mobile deposits can be in your account as fast as one business day, but some checks may take up to 5 business days.

There are no fees charged to deposit checks into your account.

• Download Green Dot for iOS devices here.
• Download Green Dot for Android devices here.

10. First Midwest Instant Check Cashing

• Fees: No

With First Midwest Instant Check Cashing, you can deposit almost any type of check, such as:

• Personal checks
• Payroll checks
• Business checks
• Insurance agency checks
• Cashier’s checks
• Money orders
• Two party checks
• Traveler’s checks
• Rebate checks
• Stock dividend checks
• Tax refund checks
• Tax preparation firm checks
• Government tax refund checks
• Federal, state and municipal government checks

You can get instant access to your money, whether you have a First Midwest deposit account or not.

With the First Midwest app, you can deposit checks with your phone.

• Download the First Midwest app for Android devices here.
• Download the First Midwest app for iOS devices here.

11. GoBank

• Fees: No

GoBank offers no overdraft fees on its accounts, making it a great option for many. It provides mobile check deposits through it’s app. So you can cash checks right from your phone, and all you need to do is take a few photos of the check.

In order to start using the mobile deposit feature, you need to activate your card and your account must be active with recent recurring payroll direct deposit activity for at least two months.

Once you’re eligible, you can start cashing checks through mobile deposits. The money could be in your account in as fast as one business day, but some checks may take up to 5 business days.

There are no fees charged to deposit checks into your account, which is awesome.

You can cash lots of different checks, such as:

• Personal checks
• Payroll checks
• Insurance agency checks
• Money orders
• Cashier’s checks
• Rebate checks
• Stock dividend checks
• Tax refunds
• Federal, state and municipal government checks

Here’s where you can get the app:

• Download the GoBank App for iOS devices here.
• Download the GoBank app for Android devices here.

12. Santander Mobile Banking App

• Fees: No

You can use the Santander Mobile Banking app to deposit checks.

All you need to do is take a few photos of the check and follow the instructions in the app.

Deposits received after the 10p.m. ET cut off time will be considered as received on the following business day. So do keep that in mind. Now, it’s totally free to use the Mobile Check Deposit feature.

• Download the Santander app for Android devices here.
• Download the Santander app for iOS devices here.

13. ACE Elite

• Fees: No with a 10 day wait or pay a fee to get your money in minutes

The Ace Elite Prepaid app allows you to load checks right to your account. And like with many of the apps on this list, all you need to do is take some photos of the check.

You can have your money deposited within an hour, but you will be charged a fee. Or you can choose to wait 10 days and get your money for free.

• Download the ACE Elite app for Android devices here.
• Download the ACE Elite app for iOS devices here.

14. Brink’s Money Prepaid

• Fees: Yes if you want your money in minutes

Finally, we have Brink’s Money Prepaid.

It’s another prepaid card account that comes along with a check cashing feature.

If you enroll in direct deposit, you can deposit checks without having to wait in line. You can cash paychecks, and benefit checks with it.

With the Brink’s Money Prepaid app, you can load checks right from your phone using mobile image capture.

If you want your money fast, then you may be charged a fee for the transaction.

No Credit Check Cash Now

• Download the Brink’s Money Prepaid app for Android devices here.
• Download the Brink’s Money Prepaid app for iOS devices here.

It’s important to note that although many of the apps above don’t charge you a fee to deposit your check, there may still be wireless carrier fees charged by your service provider. So do make sure you check with your service provider to see if they do charge any wireless carrier fees.

Happy Getting Paid!

Nowadays, you don’t have to worry about getting to the bank (when it’s actually open!) and waiting in line to cash a check. No, now you can easily cash checks online and there are so many options for doing so!

Most banks now offer a check cashing service through their apps, so you can cash checks right from your phone.

Even if your bank didn’t appear on our list, it’s definitely worth checking if they have an app that you can use to deposit checks from your phone.

And keep in mind that even if your bank doesn’t provide an online check cashing service, you can still use websites like PayPal and Ingo Money to deposit your checks.

Next time you’re wondering how to cash a check online, it’s good to know that you have plenty of great options out there, and many of them are totally free to use!

Cash paychecks, personal checks, business checks, money orders and more, anytime, anywhere. Get your money in minutes in the accounts you choose, as good as cash and safe to spend!

With Ingo Money, it’s your money on your terms.

All checks subject to review for approval. Fees may apply.

INGO MONEY APP

Cash a check on your mobile device.

Get your money in minutes in most bank, PayPal or prepaid card accounts, buy an Amazon.com Gift Card, pay credit cards or pick up cash at a MoneyGram agent location.

No check cashing lines. No take-backs. No worries.

All checks subject to review for approval. Fees may apply.
Most credit card issuers post funds within 24 hours.

Cash a check with Ingo Money and, if your check is approved, get your money in minutes in your bank, prepaid card or PayPal account, buy an Amazon.com Gift Card, pay credit card bills or pick up cash at a MoneyGram agent location.

No check cashing lines. No take-backs. No worries.

Simply link your accounts in the Ingo Money App, cash a check and choose where you want to send your money. Or split a check and send money to more than one place.

All checks subject to review for approval. Fees may apply.
Most credit card issuers post funds within 24 hours.

HOW THE APP WORKS

Cash a check in three easy steps.

Take pictures of your check

Choose when you want your money

Choose where to send your money

Fund most bank, prepaid or PayPal accounts, pay credit cards or split a check to multiple accounts

1. Sign in and tap ‘Cash a Check’
2. Take a photo of the front and back of your check
3. Choose WHEN you want your money
4. Choose WHERE you want your money
5. Submit your check for review

The review process typically takes just a few minutes. If your check is approved, you may also be asked to void it and submit a voided image.

Take pictures of your check

Choose when you want your money

Choose where to send your money

Fund most bank, prepaid or PayPal accounts, pay credit cards or split a check to multiple accounts

Download the Ingo Money App

Enroll to create your user profile

Link debit, prepaid, credit card and PayPal accounts

Your’re ready to Ingo

Cash checks in minutes for a fee; in 10 days for free

Download the Ingo Money App

Enroll to create your user profile

Link debit, prepaid, credit card and PayPal accounts

Your’re ready to Ingo

Cash checks in minutes for a fee; in 10 days for free

GET THE APP

Download

Install the app from the App Store℠ or the Google Play™ Store. Data rates may apply.

Enroll

Create your user profile and link your debit card, prepaid card, PayPal and credit card accounts.

Snap

Follow the screen prompts to snap a photo of the front and back of your check.

Go

Get your money in minutes for a fee or in 10 days for no fee. Whichever option you choose, if your check is approved and your account is funded, your money is as good as cash and safe to spend.

All checks subject to review for approval. Fees may apply.
Most credit card issuers post funds within 24 hours.

Cash My Check Online Now

FAQCONTACT USCAREERS

SUPPORTED ACCOUNTS & NETWORKS

The Ingo Money App may be used by identity-verified customers to cash checks issued on U.S. financial accounts to fund: (1) most debit, prepaid and credit card accounts issued by hundreds of U.S. financial institutions including Chase^®, Bank of America^®, Citi^®, Wells Fargo^®, American Express^®, U.S. Bank^®, PNC Bank^®, Capital One^®, HSBC Bank USA, TD Bank, Discover^®, Synchrony Bank, First Premier^® Bank, MetaBank^® and The Bancorp Bank; (2) PayPal^™, PayPal^™ for Business and PayPal^™ Prepaid MasterCard^® accounts; (3) Amazon.com Gift Cards; (4) most prepaid cards, including Chase Liquid^®, Wells Fargo EasyPay^®, Regions Now Card^®, BB&T MoneyAccount^®, NetSpend^®, Green Dot^® Prepaid Debit, Walmart MoneyCard^®, H&R Block^® Emerald Card^®, ACE Elite^™, RushCard^®, AccountNow^®, Kroger® 1-2-3 REWARDS^®; and (5) cash pick-up at MoneyGram’s participating U.S. locations. Funds may also be used to pay retail credit card bills from thousands of retailers including Walmart^®, Target^®, Costco^®, Home Depot^®, Lowe’s^®, BestBuy^®, Gap^® and Old Navy^®. You can also access the Ingo Money service in dozens of mobile banking apps including American Express Serve® and Bluebird℠ by American Express. Ingo Money participates in the Visa^®, MasterCard^®, American Express^®, Star^®, Pulse^®, NYCE^® and Maestro^® payment networks.

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LEGAL DISCLOSURE

Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

Amazon.com Gift Cards (“GCs”) sold by First Century Bank, N.A., an authorized and independent reseller of Amazon.com Gift Cards. Except as required by law, GCs cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete terms and conditions, see www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates. No expiration date or service fees.

Cash Check Online Now App

Cash pick-up service is provided by MoneyGram Payment Systems, Inc., subject to the MoneyGram Terms and Conditions available at https://www.moneygram.com/us/en/terms-and-conditions; availability subject to agent operating hours and compliance with regulatory requirements. MoneyGram cash payout transactions are available between $5.00 and $1,000.

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