While Ingo offers an excellent check cashing experience, it also has limitations, like being a bit pricey, and their services can be a bit restrictive, especially for starters. So, it won’t be a bad idea if you step out of the crowd and find what works perfectly for you. You may decide to look out for check-cashing apps that don’t use Ingo.
So, if you want to cash your check urgently, you will need alternative check cashing apps where you can redeem your check for little or no fee. There are numerous financial technology companies that allow their users to cash their checks by simply downloading their mobile app and following a few instructions.
Although most of these fintech companies may charge some fees if you want to cash your check instantly, they are relatively cheaper when compared with Ingo. However, it is also worthy of note that most of these apps don’t charge a fee for standard check cashing, but it may take some days before you can receive your cash.
What exactly is a Check Cashing App?
A check cashing app is an innovative mobile application that enables users to cash or deposit checks with their smartphones or computers. This mobile apps serves as an alternative to conventional check cashing methods, which requires check holders to visit a check cashing store or bank branch before they can cash their check
Cashing checks with these apps is quite simple since users are only required to take a front and back picture of their checks and submit it through the app, and their funds will be deposited directly into their accounts or prepaid cards, depending on their preference.
Best Check Cashing Apps That Don’t Use Ingo
There are many check cashing apps that don’t use Ingo; they are listed below:
1. Chime App
Chime is a popular financial technology company that offers mobile banking services to its users. The Chime app allows users to deposit checks without visiting a bank. It is designed such that members who receive minimum payroll direct deposits of $1 monthly can deposit their check without visiting any physical bank. Apart from check deposits, Chime also offers other financial features, like account alerts and balance updates, just to mention a few.
2. The Check Cashing Store
Having been in operation for over 25 years, Check Cashing Store is one of the most popular check cashing apps that allows users to deposit or redeem their checks. They charge a flat fee of $5 for all checks, irrespective of the amount. The Check Cashing Store offers different kinds of check-cashing services, such as:
- Insurance checks
- Government checks
- Personal checks
- Payroll checks
- Small business checks, etc.
Just like other check cashing apps mentioned above, Netspend allows users to cash checks digitally by using the app. To get started with NetSpend, you will need to download the app from the official app store and sign up with your details. Cashing a check on NetSpend is not difficult since it only involves snapping your checks and following other simple instructions.
However, if you want to redeem your check for cash immediately with this fintech company, you will need to pay some fees, but if you can wait for about 10 days, you won’t pay any fees. So, if you don’t need cash urgently, you can wait for the ten days duration to avoid paying an extra fee.
Deposit2Go is an innovative application that enables users to deposit checks globally; hence, it is not location dependent like other similar apps. With this app, you can access copies of deposited checks for more than a year. Is that amazing? Interestingly, this app is available for both iOS and Android users. It also comes with features like a high daily limit, among others.
5. Brink’s Money Prepaid
With Brink’s Money Prepaid, users can load checks from their phones onto their prepaid card seamlessly. This app allows users to take photos of their checks and track their transactions, including balances and expenditures. However, if you want to access funds from this app instantly, it may incur some charges.
6. GADA Secure Pay
GADA Secure Pay is an exchange application that allows users to redeem their checks without depending on Ingo Money. There are numerous amazing features that differentiate this check-cashing app from others. Such features include multi-purpose functionality, account balance alerts, and the ability to synchronize checks, among other amazing features. With this app, you can cash your check with ease.
7. Active Hours App
The Active Hours App is designed in such a way that users can access cash even before cashing their check. Hence, users can receive money in line with the screenshot of their payslip within a specified period of time. So, with this check-cashing app, you can redeem your check with ease.
Venmo is another top player in the financial technology sector. It offers direct deposit, which allows users to cash checks directly from the Venmo app. However, before you can use this app to cash your check, you will need to have a Venmo account. But if you already have an account, you can set up your account to start utilizing this instant mobile deposit feature.
However, cashing your checks on Venmo attracts some fees; they charge a 1% fee for government-issued checks or paychecks, while they charge a 5% fee for other types of checks. The minimum fee that Venmo can charge for check cashing is $5 per check.
9. ACE Flare
ACE Flare is another innovative financial application where users can deposit checks directly or add check funds with the help of ACE Flare’s Mobile Capture feature on the app. ACE collaborates with First Century Bank, N.A.; it also offers savings account options to users who may need them.
ACE Flare doesn’t charge fees when cashing standard checks; however, they charge 2 – 5% for instant check cashing. This app is most suitable for those who don’t have a conventional bank account.
Waleteros allows users to cash checks digitally and, in turn, transfer funds to a Waleteros prepaid Visa. This prepaid card is designed in such a way that you can configure it to pay your bills or cater to your other financial needs. The fee for cashing a check with this app is not fixed since it is dependent on the type of check that you want to redeem. This app is most suitable for those who don’t want to pay overdraft fees or monthly maintenance fees.