7 check cashing apps that don’t use Ingo in 2022

Ingo Money was the first mobile app that let users cash checks from any location without going to a bank, credit union, or 24-hour check-cashing store.

Its popularity and convenience allowed many more apps to use its technology to help users cash paychecks, business checks, personal checks, and almost any type of check.

However, the issue is that most apps that use Ingo technology have a lot of deposit fees and other servicing costs. That has forced many people to look for mobile check cashing apps that don’t use Ingo.

A check cashing app is a mobile application that allows you to cash a check within minutes. The app works using remote deposit capture technology.

All you have to do is take a photo of the front and back of your check using your phone’s camera, review any deposit details, and submit the check.

Once everything is in order, you will get the money into your bank account without paying a visit to your branch.

7 check cashing apps that don’t use Ingo

Many check cashing apps will allow you to get money in your prepaid card, PayPal account, or bank without a hassle.

Once you get the money, you can opt to pay your credit card bills, buy gift cards, fund accounts, or split the check. However, most of these apps use Ingo’s technology.

Therefore, if you do not want to pay high deposit fees when cashing a check using your phone, consider the following seven check cashing apps that don’t use Ingo.

Note that these apps are not listed in any particular order.

1. GTE Mobile

GTE Mobile
Image by: Google Play

GTE Mobile is an Android and iOS app that allows users to deposit checks from any location using their mobile phones or scanners.

You can use it to scan or take a photo of the front and back of your check and submit it to deposit within the app.

Then, the app will process the check and deposit the corresponding amount in your bank account.

GTE Mobile allows you to deposit up to $10,000 per day. Also, when you submit a check, the processor will deposit the first $200 of the funds in your account the next business day. Nevertheless, the app is convenient, safe, and secure.

2. The Check Cashing StoreThe Check Cashing Store

The Check Cashing Store gives you financial control using your mobile device.

This check cashing app allows you to deposit your checks directly to your bank account, prepaid card, or debit card. Once you receive a check, please take a photo and submit it through the app.

The Check Cashing store will process your request and allow you to get cash.

You can also use the app to view your transaction history, including your card balance, and manage your spending. The app is available for iOS and Android devices.

3. Chime app

Chime

Chime for Android and iOS is a check-cashing app that doesn’t use Ingo.

However, it is a popular app that keeps your money safe, with many security features and access to an overdraft facility of up to $200 without fees.

But the best part of the app is that the app allows you to deposit your check using your mobile phone.

Chime accepts checks worth as low as $1 from an employer or payroll provider, gig economy payer, or government benefits.

The payment processing is straightforward, and you do not incur monthly fees to use the app.

4. Billtrust Mobile Deposit Capture

Billtrust Mobile Deposit Capture

Billtrust Mobile Deposit Capture is an easy-to-use mobile check cashing app. It allows users to deposit checks and use the money to make payments anytime.

Once you have the app, you can apply cash from a paper check by taking a picture and submitting it. That will prevent you from making trips to your bank or physical office to cash your check.

Billtrust Mobile Deposit Capture is only available to Billtrust clients. Before using the app, the company will first give you a username and password to access the check cashing feature.

5. DeposZip

DeposZip
Image by: Google Play

DeposZip allows users to deposit checks to their bank accounts using their mobile devices. You can take a photo of your check and submit it through the app to get the corresponding amount deposited into your bank account.

Although DeposZip is quick and eliminates the need to visit your branch, it is only for users with bank accounts with a participating financial institution.

Therefore, you cannot use DeposZip if your financial institution or bank is not a participant in the DeposZip mobile program. But if your bank is available, you will enjoy low transaction costs and no monthly fees to use the app.

6. DepositGo Mobile

DepositGo Mobile
Image by: giodp

DepositGo Mobile is a mobile Remote Deposit Capture app. The application targets businesses that want to deposit checks anytime and anywhere.

Furthermore, employees can use the mobile app to depot checks and get the money in their bank accounts.

As one of the most popular free online cash checking apps, DepositGo Mobile offers extended deposit deadlines to allow you to cash your money anytime.

Furthermore, business owners can enjoy reduced float time. That enables them to make deposits sooner and improve cash flow. Another advantage of the app is that it does not have monthly client costs.

7. AnytimeCheck

AnytimeCheck
Image by: Google Play

AnytimeCheck allows you to cash a check online without Ingo. It offers an all-encompassing solution for sending and receiving your check payments quickly.

Furthermore, the app caters to all users, including individuals and small or medium-sized businesses.

AnytimeCheck has many tools and features that make the check cashing process more manageable and reliable.

The tools ensure that users get a secure gateway for creating and processing electronic checks.

In addition, once you submit a check, the service will review it fast and ensure you get your money within minutes.

However, you require membership with AnytimeCheck to use its check cashing feature.

Conclusion

You can now cash a check instantly without leaving home using a check cashing app.

These apps help you to cash paychecks, business checks, personal checks, and almost any type of check and get the money in your prepaid card, PayPal account, or bank account.

NOTE: We are aware that some of this information is bound to change. Therefore, while choosing an app to use, make sure to read its terms and conditions carefully. Be cautious of any updates or reviews to the terms of use too.