Instant check cashing apps are a convenient and affordable way to cash checks without having to go to a bank or check cashing store. These apps allow you to deposit checks into your bank account or prepaid card account using your smartphone. Once the check is deposited, you can access the funds immediately.
List of the 14 best instant check cashing apps
1. Brink’s Money Prepaid (Most Secure App)
Brink’s Money Prepaid is a mobile banking app that offers a variety of features, including instant check cashing. With Brink’s Money Prepaid, you can cash checks up to $10,000 instantly and have the funds deposited into your account within minutes. You can also use your Brink’s Money Prepaid Mastercard to make purchases online and in stores, and to withdraw cash from ATMs.
2. Ingo Money (Most Versatile App)
Ingo Money is another popular mobile check cashing app. Ingo Money allows you to cash checks up to $5,000 instantly and have the funds deposited into your bank account, debit card, or PayPal account within minutes. Ingo Money also offers a variety of other features, such as bill pay, money transfers, and ATM access.
3. Venmo (Best for ATM Access)
Venmo is a mobile payment app that also offers instant check cashing. With Venmo, you can cash checks up to $5,000 instantly and have the funds deposited into your Venmo balance within minutes. You can then use your Venmo balance to send money to friends and family, make purchases online and in stores, or withdraw cash from ATMs.
4. PayPal (Most Trusted Cash Checking App)
PayPal is a popular online payment system that also offers instant check cashing. With PayPal, you can cash checks up to $5,000 instantly and have the funds deposited into your PayPal balance within minutes. You can then use your PayPal balance to send money to friends and family, make purchases online and in stores, or withdraw cash from ATMs.
5. Lodefast (Best for Akimbo Card Carriers)
Lodefast is a mobile check cashing app that allows you to cash checks up to $2,000 instantly with no fees, or up to $10,000 with low fees. You can also get a free Akimbo Card for ATM access and in-store purchases.
6. ACE Flare (Best Nontraditional Bank Account)
ACE Flare is another mobile check cashing app that allows you to cash checks up to $500 instantly with no fees, or up to $10,000 with low fees. You can also get a free ACE Flare debit card for ATM access and in-store purchases.
7. NetSpend (Best for Prescription Purchases)
NetSpend is a mobile banking app that offers a variety of features, including instant check cashing. With NetSpend, you can cash checks up to $500 instantly with no fees, or up to $10,000 with low fees. You can also get a NetSpend Visa Prepaid Card for ATM access and in-store purchases, plus discounts on prescription drugs.
8. AnytimeCheck (Best for Businesses)
AnytimeCheck is a mobile check cashing app that allows you to cash checks up to $1,000 instantly with no fees, or up to $10,000 with low fees. You can also get a free AnytimeCheck debit card for ATM access and in-store purchases.
9. The Check Cashing Store (Most Simple App)
The Check Cashing Store is a brick-and-mortar check cashing store that also offers an app. With the Check Cashing Store app, you can cash checks up to $500 instantly with no fees, or up to $10,000 with low fees. You don’t need to open an account or have a debit card to cash a check at The Check Cashing Store.
10. Waleteros (Best for People with Family in Central America)
Waleteros is a mobile check cashing app that allows you to cash checks up to $500 instantly with no fees, or up to $10,000 with low fees. You can also send money to friends and family in Central America for free.
11. Deposit2Go (Best Free Check Cashing Service)
Deposit2Go is a mobile check cashing app that allows you to cash checks up to $200 instantly with no fees, or up to $10,000 with low fees. You don’t need to open an account or have a debit card to cash a check with Deposit2Go.
12. BMO Bank (Best for BMO Bank Customers)
BMO Bank is a traditional bank that offers a variety of banking services, including instant check cashing. With BMO Bank, you can cash checks instantly for free if you’re a BMO Bank customer, or with low fees if you’re not. You can also get a free BMO Bank debit card for ATM access and in-store purchases.
13. US Bank (Best for US Bank Customers)
US Bank is another traditional bank that offers a variety of banking services, including instant check cashing. With US Bank, you can cash checks instantly for free if you’re a US Bank customer, or with low fees if you’re not. You can also get a free US Bank debit card for ATM access and in-store purchases.
14. Green Dot (Best for Greendot Cardholders)
Green Dot is a financial services company that offers a variety of financial products, including instant check cashing. With Green Dot, you can cash checks up to $500 instantly with no fees if you’re a Greendot Cardholder, or with low fees if you’re not. You can also get a free Greendot Visa Prepaid Card for ATM access and in-store purchases.
Factors to consider when choosing a instant check cashing apps
- Fees: Some apps charge a fee for each check that you cash, while others offer a certain number of free check cashings per month.
- Features: Some apps offer additional features, such as bill pay, money transfers, and ATM access.
- Security: It’s important to choose an app that uses robust security measures to protect your personal and financial information.
- Reputation: Read reviews of different apps to see what other users have experienced.
- Minimum deposit: Some apps have a minimum deposit amount that you must meet in order to cash a check.
- Maximum deposit: Some apps have a maximum deposit amount that you can cash in a single day or month.
- Eligibility requirements: Some apps have eligibility requirements, such as a minimum age or a valid Social Security number.
- Customer support: It’s helpful to choose an app that offers responsive and knowledgeable customer support.
How to cash your check instantly
- Download the app from the App Store or Google Play.
- Create an account and provide your personal and financial information.
- Take a photo of the front and back of your check.
- Enter the check amount and other required information.
- Confirm the deposit.
Once you have confirmed the deposit, the funds will typically be available in your account within minutes. However, it may take up to 24 hours for the check to clear and the funds to become fully available.
Conclusion
These are just a few of the many instant check cashing apps available. When choosing an app, it’s important to consider the fees, features, and security measures. Be sure to read the reviews of different apps before making a decision.
Frequently Asked Questions (FAQ)
What app will instantly cash a check?
There are many different instant check cashing apps available, including: Brink’s Money Prepaid app, Ingo Money, Venmo, PayPal and Green Dot.
What apps cash checks instantly without ingo?
Here are some instant check cashing apps that do not require Ingo: Brink’s Money Prepaid, ACE Flare, AnytimeCheck, The Check Cashing Store, Waleteros, Deposit2Go, BMO Bank, US Bank, Green Dot.
Can I cash out a check instantly?
Yes, you can cash out a check instantly using an instant check cashing app. However, it’s important to note that some apps may charge a fee for this service.
Does PayPal cash checks instantly?
Yes, PayPal does cash checks instantly. However, there is a fee for this service.
How can I cash a cheque online?
To cash a cheque online, you can use an instant check cashing app. Simply download the app and follow the instructions to deposit your cheque.
Can I cash a cheque via app?
Yes, you can cash a cheque via app using an instant check cashing app.
What is the easiest way to cash a cheque?
The easiest way to cash a cheque depends on your individual needs and preferences. If you need to cash a cheque quickly and easily, an instant check cashing app is a great option.
Which banks can you cash cheques online?
Some banks allow you to cash cheques online, but this service is not available at all banks. To check if your bank offers this service, contact your bank directly.
