Traditional banking methods have been integrated with digital banking, allowing customers to perform various banking transactions using mobile banking apps. In addition to these technological advances, Check Cashing Apps like ingo have modernized the use of checks for payments by allowing you to deposit checks to linked bank accounts, credit cards, etc.
There are other Checks Cashing apps like ingo, but because of the higher fees associated with using Ingo’s mobile deposit technology, customers have begun looking elsewhere for the convenience of mobile deposits.
The good news is that there are many other check cashing app that doesn’t use Ingo for mobile deposit There are no ingo money fees, and the cash is received faster.
In this article, I will discuss the 9 best Check Cashing applications you can use that do not include Ingo in it and also how you can do the instant cash out.
Best Check Cashing Applications Without Ingo
Below is the list of best Check Cashing Applications that you can use to withdraw money from your check also these application does not use Ingo for mobile deposits.
Although Venmo is best known as a person-to-person payment app, the mobile application has a wide range of features that aren’t typically associated with it. Using the Venmo Debit Card or direct deposit application, you can cash out your checks.
The following are some characteristics of Venmo:
- Applicants may apply for a 10-day, no-fee, no-hassle
- Withdrawals from over 30,000 MoneyPass ATMs are free of charge.
- To earn cashback, use your Venmo debit MasterCard.
- Payroll and government checks get a 1% fee waived on all cash advances
- On the Google Play Store, 4.4 stars out of 5
- App Store users have given it a rating of 4.8 stars.
If you want to learn how to cash a check using Venmo, watch the video below.
While First Century Bank offers a Check Cashing service, PayPal offers a better fee structure and a more reliable brand name. Using PayPal to transfer money from the bank to any other applications has also been streamlined by the company.
PayPal features include the following:
- In order to speed up the cash checking process, we charge a 1% fee on government and payroll checks.
- There is a 5% expedited fee for all other checks.
- An approval procedure that takes place almost instantly.
- There is a $5,000 cap on all checks.
- More than 4.2 out of 5 stars in the Google Play Store.
- An average of 5 stars in the app store.
3. Brinks Money Prepaid
Prepaid Brink’s money is one of the most important tools for ensuring maximum safety. To deliver cash to ATMs and banks, Brink is best known for its speed and efficiency. There is a First Century Bank branch that offers prepaid MasterCard debit cards and cashing checks.
For the following reasons, we recommend using Brink’s Money Prepaid:
- With direct deposit, you can get your money fast.
- Payroll and government checks check cashing fees will be expedited by 2%.
- There is a 5% expedited fee for all other checks.
- It also provides a lot of Cashback opportunities for its users.
- On the Google Play Store, 4.4 stars out of 5.
- On App Store, it has an average of 3.4 out of 5 stars.
Netspend has a reasonable fee structure for the most part. Customers can use the pharmacy savings card from Netspend to save big on prescription purchases of FDA-approved pharmaceutical medications.
- Listed below are some of Netspend’s features:
- All other checks are subject to an expedited check fee of 4% or $5.
- For expedited cash checking of government and payroll checks, a 1% or $5 fee is charged.
- Netspend offers discounts of up to 50% on FDA-approved medications.
- Google Play Store users have given it a rating of 4.0 stars.
- Ratings on the App Store are 2.7 out of 5 stars.
Checks can be deposited into your linked bank account, debit card, akimbo cards, or any other prepaid debit card using the Lodefast app. As long as you’re willing to wait 10 days, LodeFast will give you a free deposit option if you’re willing to pay an average fee.
Residents of the state of Florida are the only ones who can use Lodefast at this time. The company’s website promises to expand to California in the near future.
6. Ace Flare
A Visa debit card, cash checking, ATM access, and direct deposit are all included in MetaBank’s Ace Flare service package, which is provided by MetaBank. However. A program called Ace Flare is mostly a Check Cashing app.
Brink’s and Ingo both employ First Century Bank as their financial services supplier, and Ace is no exception. ACE savings accounts offer a 6.0 percent annual percentage yield (APY) on balances of less than $2,000.
7. The Check Cashing Store
You can deposit checks using your mobile device and then transfer the funds to a Visa, MasterCard, or Discover card that is linked to your account.
There may not be a lot of bells and whistles included in this program, despite the fact that the company’s website and customer support staff refuse to disclose the pricing. Assume that the standard fee will fall within the estimated fee range between 1% and 6%.
You should use Waleteros if your relatives are scattered throughout Central America. At the beginning of each month, Waleteros offers one-time $0.99 transfers to a variety of destinations in Mexico, Cuba, Guatemala, Nicaragua, and El Salvador.
Your direct deposit is processed through the app, checks are cashed as well as funds are sent with very low transaction costs. Their customers can take advantage of 20,000 fee-free ATM locations across the country, and there are no minimum account balances and no overdraft fees.
9. Anytime Check
Customer payments can be made by paper check at any time, eliminating the need to wait for the check to arrive in the mail or to go to the bank to make a deposit.
The AnytimeCheck app is a great alternative to Ingo Money for people who frequently send and receive checks through the mail. On a subscription basis, the mobile app allows users to write or cash checks on their mobile, web, or phone.
Fees for the combined check writing and check depositing service are therefore based on the number of checks you send or receive each month.
Purchase a $20 package to send or receive ten checks; a $100 package sends or receives as many as 75 checks. We also offer a lower-priced per-check option for bulk package delivery.
The subscription fee is billed each month unless you cancel. If you ever cash more than your monthly check-cashing limit, you’ll be moved up to the next level to accommodate your increased transaction volume. If your check volume decreases, you can also downgrade your subscription.
Each check-in its pro plan (which includes 50 checks) costs $1.50; in contrast, its basic plan costs $0. (20 checks) There is a $1.75 fee for each check and a $1.25 fee for each check under the premium plan (150 total checks).
What Is Check Cashing App?
If you have a smartphone with a check cashing app, you can cash your check right away. Checks can be cashed online, saving you the trouble of going to a physical location. If you don’t live near a bank or if the bank’s hours don’t work with your schedule, this may be a good option.
Cashing checks from any major bank is as simple as using a check-cashing app, and the funds are deposited directly into your account. There are a variety of check-cashing apps out there, so be sure to pick one that works best for you.
You can cash checks for fees on a variety of apps; however, some don’t. These apps typically charge a flat fee per transaction, and some even provide discounts to regular check cashers. Before downloading any app, be sure to check the terms of service.
What Mobile Check Cashing Apps That Don’t Use Ingo?
It’s hard to beat Ingo Money for online check deposits of all kinds, including personal checks. There are fees ranging from $5 to 2% to 5% depending on the amount and type of check that you are trying to cash.
Your linked bank account, prepaid or gift cards, debit or credit cards, Reliacard balance, or funds from participating MoneyGram outlets can all be used to load the funds from your cashed checks.
Although Ingo Money is a viable option for some, the high fees mean that it won’t be for everyone. As a result, you can look into all of the money-saving alternatives mentioned above and use any of them to your liking.
How To Avoid Fees With Check Cashing Apps?
One way to avoid fees when using Check Cashing apps is to keep an eye on the transaction fees charged by the Check Cashing app. It’s not recommended to complete the process if the app charges you $0.99 to withdraw money from your account because the fee isn’t worth it when another Check Cashing app allows you to process your withdrawal for free.
Can You Use A Check Cashing App Without Bank Account?
The majority of Check Cashing applications allow you to use the service without a bank account. You can transfer the money from your check straight into your Check Cashing application’s account using the deposit option included in most of these programs. As mentioned, you may be needed to have a bank account to use some Check Cashing programs, although this is not always the case with third-party Check Cashing services.
An account with a bank or pre-paid debit or credit card is typically required to make withdrawals from a Check Cashing app’s wallet. A bank account, on the other hand, is not necessary for completing the withdrawal. It’s not necessary to have a bank account to use a Check Cashing app once the account is linked to a prepaid credit card.
I hope you chose the best Check Cashing app that doesn’t use ingo for mobile deposits. Above I have provided the list of the 9 best check cashing app that don’t use Ingo Money. And in my opinion, Brinks Money Prepaid is the best after Venmo.
Let me know in the comment section if you know better about the Check Cashing application and if you want me to add that to the above list.
If you are still facing any problems with the Payment then let me know in the comment section I will be happy to help you as soon as possible.