The need for cashing checks nowadays has become even more crucial than ever.
While checks aren't the preferred method of payment, most unbanked citizens still find them useful. In fact, a recent survey showed that 3.7% of Americans are more likely to receive their payments through paychecks.
And of course, leveraging the convenience of check-cashing apps will let you access the funds on your checks more flexibly and conveniently.
Cashing checks online will typically require you to use Ingo Money, but there are a few apps that won't require you to go through Ingo's verifications and you're just at the right spot to get them.
That said, in this guide, I'll show you the best check-cashing apps that don't use Ingo.
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Why Use Check Cashing Apps That Don't Use Ingo?
Ingo is probably the most popular check cashing app online.
Some other check cashing apps like PayPal, Venmo, and Green Dot use Ingo's check cashing technology to cash out checks.
However, there's a major downside with using these apps—you'll have to wait for 10 days for the money to arrive in your account for free. Of course, there's a fee to pay if you need to access your funds quickly.
So a check cashing app that does not use Ingo will help you skip this 10-day waiting period so you can have quick access to your funds.
Are There Any Check Cashing Apps That Don't Use Ingo Money?
Yes, though finding a check cashing app that doesn't use Ingo isn't an easy thing since basically most of the check cashing apps out there use Ingo's technology to cash checks.
However, some check cashing apps don't use Ingo and they've been mentioned below.
6 Best Check Cashing Apps That Don't Use Ingo
Here are the best check cashing apps that don't use Ingo.
- Your Bank's Mobile App.
- The Check Cashing Store App.
- AnytimeCheck.
- Stash
- GTE Financial.
- ACE Flare.
1. Your Bank's Mobile App
When looking to cash checks, the first place that should come across your mind is to cash the check at your bank or credit union.
The majority of banks offer mobile banking platforms and apps that allow customers to manage their accounts from the comfort of their homes. And there's a big chance that check cashing is one of the conveniences offered by your bank's digital banking platform.
The best is, the majority of popular bank apps don't use Ingo to cash checks.
However, you should consider checking the app's specifics to see if it uses Ingo for cashing checks. You can do this by going through your bank's TOS.
And looking at the good side, if you're lucky enough, your bank should let you cash a third-party check.
Here are some check cashing bank apps that don't use Ingo:
- Alliant Mobile Deposit
- Ally Bank
- Bank of America
- Capital One
- Charles Schwab
- Chase
- Chime
- Citibank
- Citizens Bank
- Discover
- Fifth Third Bank
- Guaranty Bank
- Huntington Bank
- Navy Federal Credit Bank
- PNC
- Regions Bank
- Santander Bank
- Truist (formerly SunTrust)
- TD Bank
- U.S. Bank
- Union Bank & Trust
- USAA
- Wells Fargo
- Wintrust
2. The Check Cashing Store App
The check cashing store app is one of the popular check cashing apps that don't use Ingo offering the fastest ways to make a cash deposit into your checking account at no fees.
You can deposit checks using the Check Cashing Store Mobile app directly into your bank account, Momentum Prepaid MasterCard, or any other personal Visa, MasterCard, Discover, or prepaid debit card.
To submit your check, you simply need to take a picture of it in the app and follow the on-screen instructions.
Anyone can download and use the Check Cashing Store mobile app for free. However, there is a deposit fee you must pay, which can be anywhere from $5 to 10% of the check's value.
You can download the Check Cashing Store App for;
3. AnytimeCheck
AnytimeCheck is another good check cashing app that don't use Ingo. If you want to send and receive multiple checks, this is the best option.
AnytimeCheck is a subscription-based check sending and receiving service that combines check writing and checks depositing features alike. Once subscribed to the service, you can use it to cash or write checks via phone, web, or mobile device.
You can deposit your checks to any linked U.S. bank account and instead of charging per check, AnytimeCheck charges fees based on packages. So, the cost to receive or send 10 checks ranges from about $20 to about $100 for 75 checks.
Remember, it's a subscription-based service, so you'll be billed monthly unless you cancel your subscription.
4. Stash
If you'd like to cash your check and deposit it in a bank account other than your regular bank account, then Stash should be the best bet for you.
Stash is an American fintech company that aims at making investments in stocks, ETFs, and more simple for beginners out there. As per its official site, it claims to help over 5 million Americans invest and save for the future.
Besides being an investment app, Stash offers online banking services which allow customers to carry out all of their banking needs directly from the Stash app or website.
Mobile deposits are one of the services offered by Stash and you can cash your check and deposit it in your Stash bank account or external bank account without using Ingo in the process — making Stash one of the best check cashing apps that don't use Ingo.
However, to qualify for mobile deposits, you'll need;
- To have an active checking account that has received a minimum of three payroll direct deposits.
- To activate the Stock-Back Card that will be sent to you through the mail.
- To verify your identity and phone number, and accept Stash's terms and conditions.
After qualifying for mobile check deposits, you'll be able to deposit a minimum of $10,000 per day and a maximum amount of $20,000 in a 30-day period.
5. GTE Financial
GTE Financial is another check cashing app that don't use Ingo.
Members of GTE Financial have the choice to deposit checks using a mobile device or scanner practically anywhere.
You can deposit checks in the GTE Mobile App or GTE Online Banking with just a quick photo or scan of the front and back.
GTE Financial Mobile Deposit Benefits:
- FREE for GTE members
- Save trips to a GTE location
- Convenient 24/7 availability
- Safe, secure access
- Deposit up to $10,000 per day
GTE Financial is available both for;
6. ACE Flare
ACE Flare is a demand deposit account that allows you to easily manage your money, set up direct deposit, enroll in Anytime Alerts, and more.
ACE Flare is another great option for those looking for check cashing apps that don't use Ingo, as the company's primary focus is to offer customers an easier way to cash their checks directly into their accounts without fees and without having to wait for long lines.
ACE Flare also offers a debit card that allows you to better manage your finances and can be used to freely withdraw up to $400 from your Flare Account at participating ACE Cash Express locations.
How To Cash A Check Online Instantly Without Ingo
Cashing a check online instantly without Ingo is very easy and straightforward — all you'll need to do is to pick any of the aforementioned methods above (preferably your bank's mobile app) and follow the steps provided by the institution to cash your check.
For the purpose of this tutorial, I'll select the best option you can app—which is using your bank's mobile app.
So to cash a check online instantly without Ingo (using your bank's mobile app):
- Log in to your bank's mobile banking platform or app.
- Go to the section that allows you to cash a check.
- Take pictures of the check and submit them.
- Follow the prompts required to cash the check.
There you go, you should be able to cash your check online instantly, without using Ingo.
Why Did Ingo Decline My Check?
In most cases, Ingo will decline your check if it hasn't been endorsed or you just exceed the maximum limit you are allowed to cash through the app. So you want to make sure your check is endorsed and that the amount you're cashing is in line with the limits imposed.
When Do Checks Clear Using Check Cashing Apps?
The time it takes for checks to clear varies depending on the check cashing app, but in general, it takes two to three days if you use one that is linked to your own banking.
The checks can clear earlier than you'd expect—but this comes with a fee.
The fee may be waived by some check cashing apps, but you may need to wait up to ten days for the ACH to process to your own bank account or another account of your choosing.
Does Walmart Offer Mobile Check Cashing?
Yes, Walmart does offer mobile check cashing services and you can do so through the Walmart mobile app on your Android or iOS device.
Fees vary by location, and you can get the cash at participating Walmart locations.
Can You Use a Check Cashing App Without a Bank Account?
Though you'll typically need a bank account for depositing checks, there's however a way to cash a check instantly without a bank account, but that can only be done online.
This can be done through some financial apps like PayPal, Cash App, and Venmo, which offer check cashing services.
Final Thoughts: Check Cashing Apps That Don't Use Ingo
Check cashing apps offer a convenient and easy way to cash in checks online without going through the hassle of visiting a bank or credit unions.
The most known checking app online is the Ingo Money app and other popular check cashing apps such as PayPal, Venmo, and many more use Ingo's technology to cash checks.
There are, however, some check cashing apps that don't use Ingo which have been outlined in this article.
Before using any check cashing app that don't use Ingo, consider checking the fees they impose for cashing checks and if they are ok by you, you can cash your check in complete convenience.