29 Check Cashing Apps That Don’t Use Ingo for Mobile Deposits

That’s why many frugal customers want to find mobile check cashing apps that don’t use Ingo, so they can avoid fees altogether, or find options with lower fees. Other customers may want an app that’s simply more convenient for them than Ingo.

Are there any check cashing apps that don’t use Ingo Money?

After much research, finding apps that DID NOT use Ingo Money was actually pretty tough! I’ll be honest here! Many digital banking and check cashing apps use Ingo’s technology in their own programs. Lots of them, like PayPal, Venmo, and Green Dot do indeed partner with Ingo. That means that a lot of the popular check cashing options are off the table.

Thankfully, there are still some apps out there that don’t use Ingo.

But, which are they?

Short answer: Check cashing apps that don’t use Ingo include The Check Cashing Store, the Wells Fargo app, AnytimeCheck, and the Chase app.

For more check cashing apps that don’t use Ingo, read our list below.

Check Cashing Apps Alternative to Ingo

Thankfully, there are many apps out there now that don’t use Ingo for mobile deposits.

1. Wells Fargo App

Wells Fargo has an app that you can use to deposit checks for free.

All you need to do is take a photo of the front and back of your check and then follow the instructions to cash it.

The Wells Fargo app allows you to deposit lots of different types of checks, such as:

• Personal checks
• Business checks
• Government checks

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

Wells Fargo Online and Wells Fargo Business Online customers who maintain an eligible checking or savings account are eligible to use mobile deposits. There are no fees.

Here’s where you can get the app:

• Android
• iOS

2. US Bank App

With the US Bank App, you can deposit checks 24/7. Just take a photo of your check and follow the instructions to get your cash.

The first $225 of your total daily deposits is usually available right away. The rest of your deposit amount will typically be available the next business day if your deposit was made before 9 p.m. Central Time.

Individual deposits that are above a certain dollar amount may take up to 5 business days to become available. If extra processing time is required, US Bank will tell you before you confirm your deposit when the funds will be available.

US Bank does not charge fees for check cashing.

Here’s where you can get the app:

• Android
• iOS

3. The Check Cashing Store

With the Check Cashing Store Mobile app, you can deposit your checks directly to your bank account or your Momentum Prepaid MasterCard or to any of your personal Visa, MasterCard, Discover or prepaid debit cards. All you need to do is take a photo of your check in the app and follow the prompts to submit it.

The Check Cashing Store Mobile app is free to download and it’s available to anyone. You do need to pay a fee for depositing checks though, which can range from $5 to up to 10% of the total check amount.

Here’s where you can get the app:

• Android
• iOS

4. Chase App

You can deposit checks with the Chase app. It’s really easy to do as well. All you need to do is take a photo of the check, follow the on-screen instructions, and have your check deposited into your account.

Chase’s check cashing service is called QuickDeposit. What’s great about it is that there are no fees for using it.

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

Chase may delay availability if it requires a further review of the deposit.

Any information about delayed availability will be provided in the Secure Message Center, which is accessible in the main navigation menu.

Here’s where you can get the app:

• Android
• iOS

5. Chime App

Chime is an American financial technology company that provides fee-free mobile banking services. It offers a check cashing service called Mobile Check Deposit.

Chime will determine whether you can use Mobile Check Deposit based on the history of any Chime-branded accounts you have, your direct deposit history and amounts, and other risk-based factors.

You can use Mobile Check Deposit if you have received a direct deposit of at least $1 from:

• An employer or payroll provider
• A gig economy payer
• Government benefits

Chime will automatically enable Mobile Check Deposit in your app one business day after you receive your qualifying deposit.

It charges no fees for its check cashing service.

Here’s where you can get the app:

• Android
• iOS

6. AnytimeCheck

Next on the list we have AnytimeCheck. This is another good option if you are looking for check cashing apps that don’t use Ingo. It’s best if you’re looking to send and receive multiple checks.

AnytimeCheck is a combined check writing/check-depositing service that is designed for people to send and receive checks on a subscription basis. With it, subscribers can cash or write checks on mobile, web, or the phone.

You can deposit checks to any linked U.S. bank account. Fees at AnytimeCheck are package-based, rather than being charged by individual check. So, prices range from about $20 to receive or send 10 checks up to about $100 to receive or send 75 checks. You can also purchase combination send-and-receive packages at a lower per-check price.

Fees are billed month-to-month unless you cancel your subscription.

Here’s where you can get the app:

• Android
• Not available for iOS

7. Santander Mobile Banking App

Santander has a mobile app you can use to deposit checks. With the Santander Mobile Banking app, you just need to take a few photos of the check and follow the instructions in the app.

There are no fees for using the Mobile Check Deposit feature.

Here’s where you can get the app:

• Android
• iOS

Your Local Bank’s Mobile App

A lot of apps use some or all of Ingo’s technology. Like I said above, there are options like AnytimeCheck and The Check Cashing Store, which don’t use Ingo. One of the best options though is to check out your bank’s mobile app.

Most banks have a mobile app that allows account holders to deposit checks, usually for free. I mentioned a few banks that do this on the list above, including Wells Fargo and US Bank. Even if your bank doesn’t appear on the list above, it may still provide mobile check deposits.

So, I would highly recommend that you check to see if your bank has a mobile app and if it offers check cashing. If it does, look at the app’s details to find out if it uses Ingo Money technology, or call up your bank to ask if it uses Ingo for its mobile check cashing.

What’s great about using your bank’s mobile app is that you will likely find the lowest fees. Much lower than Ingo. In fact, many banks allow customers to deposit checks for free!

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

8. Alliant Mobile Deposit
9. Ally Bank
10. Bank of America
11. Capital One
12. Charles Schwab
13. Chase
14. Chime
15. Citibank
16. Citizens Bank
17. Discover
18. Fifth Third Bank
19. Guaranty Bank
20. Huntington Bank
21. Navy Federal Credit Bank
22. PNC
23. Truist (formerly SunTrust)
24. TD Bank
25. U.S. Bank
26. Union Bank & Trust
27. USAA
28. Wells Fargo
29. Wintrust

Closing Thoughts

Finding check cashing apps that don’t use Ingo can be tough. Apps like ACE Mobile Loads and Brink’s Prepaid use some or all of Ingo’s technology. This means that a lot of the popular check cashing apps are off the table if you want a platform that doesn’t use Ingo.

There are still a few check cashing apps that don’t use Ingo though, like the Wells Fargo app, the Chime App, The Check Cashing Store, and AnytimeCheck.

These apps allow you to cash checks right from your phone.

Cashing a check using an app is great because it means that you don’t have to head down to your bank, which can often be an inconvenience since many banks are shut by the time work is finished.

Instead, you can simply snap a photo, follow a few prompts, and have your check cashed right from your phone.

Of course, the downside to mobile check deposits is that you’re not “cashing” the check per se. You’re instead depositing it into your bank account.

So, if you are looking for cash that you can hold in your hand right now, then you will need to head into your local bank or check cashing stores like these gas stations that cash checks.

If you don’t need actual cash though, and instead just want the funds deposited into your bank account, then mobile check cashing apps are great.

While many check cashing apps use some of all of Ingo’s technology, others don’t. Sometimes the apps that don’t use Ingo have lower fees, and some even offer free check deposits, which is great!

Give these check cashing apps that don’t use Ingo a try. What’s your favorite app for cashing checks? Let us know in the comments section below.