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

Technology has simplified a lot of things in our lives. For example, besides making communication easier, it has also made it easier for people to cash cheques. No longer will you have to go from one bank to the other to cash your cheque.

Several banks and third-party applications now enable users to cash their checks instantly. Ingo Money is one such popular check cashing app. It enables you to seamlessly cash your paychecks, personal checks, business checks, etc.

Despite being a leading check-cashing app, Ingo Money has many limitations. The biggest issue is with the standard fee, which is 2% for payroll and government checks. For other checks, it charges 5% with an additional $5 minimum fee per check.

Witnessing these, it isn’t surprising that users are now on the lookout for alternative check-cashing apps besides Ingo. One notable alternative is 1F Cash Advance in-store locations, which provide convenient check-cashing options without high fees or hidden charges. Looking for more? This article will explore the top options available online.

Is There Another App Like Ingo Money?

Ingo Money

Since check cashing is quite a prevalent need today, more and more apps are being developed. Ingo Money, no doubt, dominates the market, thanks to its reliability and years of service.

However, there are several alternative apps now available that serve a similar purpose. So, if you don’t wish to use Ingo Money for your deposits, apps like Deposit2Go, US Bank App, etc., as recommended by freeport investor review, serve a similar purpose.

We will discuss more of them in the next section of the article.

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10 Best Check Cashing Apps That Don’t Use Ingo

There are an abundant check cashing apps that don’t use Ingo. Since Ingo Money also has a ten-day waiting period before you can receive the money in your account, switching to alternatives is your best bet.

Following are the top picks we’d recommend looking into:

1. Lodefast Check Cashing App

The first check cashing app that doesn’t use Ingo is Lodefast Check Cashing App. It is a free app that streamlines your check-cashing process without any hassle.

If you don’t want the hassle of visiting a bank, Lodefast makes it easier for you. All you need to do is open an account on the app and cash your check in an instant.

To process the check cashing, all you need to do is take an image of both sides of the check. Upload that along with your basic information and process an e-transfer. It’s easy, secure, and takes a few seconds. You do have to pay 3-5% for instant online check cashing. However, if you can wait for 10-days for the money to be credited to your account, it’s free of charge.

2. Deposit2Go

A Windows-based product, Deposit2Go is another free check cashing app you can explore. All you have to do is scan both sides of your check and upload the same.

The app is minimal, easy to use, and 100% free for GTE members. Also, their services are available 24×7, which means you can cash your checks anytime from the comfort of your home.

The only limitation is that the users need to have an account with GTE Online Banking. Also, the deposit limit per day with this app is $10,000. For safekeeping, the deposited checks remain in the database for 18 months.

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3. Wells Fargo App

Wells Fargo isn’t a name that requires a separate introduction. However, the good news is that they have an app that allows you to deposit your checks and cash them for free comfortably.

Also, the best part about using this app is its compatibility. You can cash various checks, including personal, business, and government checks.

Interested users need to have an account with Wells Fargo to access this feature. Also, the mobile deposited funds appear in the recipient account within a day, which is always promising.

4. US Bank App

Another cash checking app that works 24×7 is the US Bank App. All you have to do is scan the front and back sides of the check. Once done, you have to follow the on-screen instructions to process the cash into your account.

One unique benefit is that the first $225 of the check is credited immediately. After that, you’d have to wait for the remainder of the amount to be credited. But even the waiting time is just for a day.

Some of the heavy check deposits can take up to 5 business days. But even that is a lot better than what you get with Ingo Money. The best part is that US Bank App doesn’t charge any extra fees for cashing the check.

5. The Check Cashing Store

Although quite underrated, The Check Cashing Store allows you to cash your checks into your bank account. Alternatively, you can deposit the money into your selected cards too.

Like most of the other check cashing apps, even this one requires you to scan the front and back of the check. Also, once the scanned images are uploaded, you can go ahead and follow the on-screen instructions to complete the process.

The app is 100% free to download. But the services are chargeable. It can be a direct $5 fee per check or 10% of the check amount.

6. Chase App

If you want a hassle-free experience cashing your check, Chase App is a good option to explore. You need to upload images of the front and back of the check and follow the instructions to cash the check without any hassle.

It offers a service called Quick Deposit, and its 100% free. So, you won’t have to pay a penny for cashing the check from the comfort of your home.

Also, the amount takes one business day to show up on your account, which is quite efficient too. But, if the amount is large and requires review and verification, it might take some time.

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7. Venmo

Venmo is a popular cashing app that allows users to cash their checks, accept direct money from other users, and even send money to other users.

It doesn’t use Ingo for processing mobile deposits. The best thing about this app is that you don’t need a bank account to use Venmo. All you need is an account on this app, and you can cash your checks and accept payments.

The app doesn’t have a “minimum balance” requirement, making it accessible to everyone. Also, the app is 100% free, including its services.

8. Your Bank’s App

Almost every bank has a mobile application. So, if you don’t want to install a third-party banking app, use your bank’s native app.

The mobile app should come with a separate feature that enables you to cash the check. The reason why we’d recommend using your bank’s app is because their services are often free and quick.

As an account holder, you should have access to exclusive perks. Utilize them in the app and streamline the check cashing process.

9. Chime App

Chime is a leading finance app that offers 100% free financial services. Their Mobile Check Deposit allows you to cash your checks via your mobile phone and without any hassle.

You do have a few limitations with this app. If your past banking history isn’t reliable, the cashing process won’t go through. It involves a lot of detailed verification for that.

But, the good news is that it offers a variety of cashing options for the checks. From payroll checks to business checks, you can cash them all.

10. AnytimeCheck

Last but not least is AnytimeCheck. The app allows you to send and receive multiple checks without any hassle.

Also, you need a US Bank Account linked with the app to be able to use the cashing process. Furthermore, the fees charged per month are billed every month, which is always a benefit.

The app isn’t available for iOS, so that’s a limitation that you need to keep a check on.


Finding check cashing apps online isn’t as complicated as you think. However, with so many options available, picking the best option can be a little complicated. We hope this article familiarizes you with some of the best cashing apps that don’t use Ingo on the internet. Just ensure that you follow the instructions properly and be patient for the check to be credited to your account. 

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