The use of check cashing apps allows you to cash physical checks on the go at any time of day or night. In this guide, you’ll learn about the top 5 best instant online check cashing apps (as well as their fees).

Have You received a check from your relatives? or Tax refunds or security deposits checks are also possibilities. For security reasons, most banks won’t cash a check unless you have an account.

If your bank doesn’t support mobile check deposits, there are a number of workarounds. Consider the following if you’re unbanked or prefer to use pre-loaded debit or credit cards.

Best Instant Online Check Cashing Apps (Third Party)

The following is a quick list of the top 5 instant online check cashing apps available right now.

Brink’s Money Prepaid is the most secure app available.
Ingo Money Is the Most Versatile App Available
PayPal is the most trusted cash-checking app on the market.
Venmo is the most convenient method of accessing ATMs.
The Check Cashing Store is The Most Straightforward App

1. Brinks Money Prepaid – Best Overall

Best Instant Online Check Cashing Apps (Third Party)

Brink’s is best known for its work in the armored transportation industry, where they deliver cash to ATMs and banks in a highly secure manner. With the help of their mobile app, Brink’s also provides prepaid debit card and check cashing services.

First Century Bank, N.A. provides check cashing and prepaid Mastercard debit cards. To use Mobile Check Load you must agree to the terms and conditions of First Century Bank, N.A., and Ingo Money, Inc., as well as the privacy policies of both organizations.

In most cases, the review process is completed within 3 to 5 minutes, but it can take as long as an hour. Every check is subject to Ingo Money’s final approval before it can be cashed. Money in Minutes transactions funded to your card is subject to fees.

The Brinks Money Prepaid app has the following features:

Any Check can be approved in less than an hour.
The user rating on the App Store and Google Play Store is greater than 3.0.
Mobile Check Load Fee is 2.0% of the total check amount or $5.00 per check load whichever is higher.
For expedite Services, you have to Pay 5% of the Check Amount.
Earn Cashback on the Brinks Money prepaid card.

2. Ingo Money – Most Secure

Ingo is the most popular app in this category for a good reason. Using Ingo, you can deposit money using a bank account; a prepaid or debit card; or your PayPal account. If necessary, a check can be divided among several different bank accounts (for example, 75 percent to PayPal and 25 percent to a prepaid card).

If you are not able to cash out because of the Ingo security feature then you can use the Cash Checking apps that don’t use Ingo Money.

If you cash checks on a regular basis, you may also be eligible for Ingo Gold Preferred Pricing (at least six checks in the last 90 days).

Automated Intelligence system to detect fraud and reduces loss.
Instant, digital funding allows you to deposit checks directly into your digital bank account or BaaS platform.
Google Play Store: 3.9 stars; App Store: 4.1 stars
Payroll and government checks are subject to a $5 fee. Checks with a value of $250 or less are tax-free.
All other checks are subject to a fee of $5. A 5% fee is applied to all checks of $100 or less.

3. PayPal – Most Trusted And Used App

While First Century Bank and Ingo also offer a check cashing service through PayPal, the latter offers a more reputable brand and lower fees.

Take a picture with your phone and then proceed with the steps. You can get cash now for a fee or in 10 days for free. Navigate to the Wallet section of the app and select Cash a Check. Take a picture of both sides of your signed check and then choose Next, Choose When You Want to Receive Your Money.

Payroll and government checks are subject to a 1% fee.
4.2 out of 5 stars on Google Play | 4.8 out of 5 stars on Apple’s App Store
All other checks will be assessed at a 5% fee.
Alternatively, if you are willing to wait 10 days for the deposit, there is no fee.
The check amount is limited to $5,000.
Approval in a matter of minutes.

4. Venmo – For ATM Withdrawals

A lot of people don’t realize how much more versatile Venmo is than a simple payment app. You can cash checks directly from the Venmo app if you have a Venmo Debit Card or have set up a direct deposit.

Get Money within minutes when paid a fee.
Payroll and government checks are subject to a 1% fee (5 percent fee for all other checks)
4.3 out of 5 stars on Google Play | 4.9 out of 5 stars on Apple’s iTunes Store
There are no fees associated with the 10-day approval option (unless otherwise stated).
With the Venmo debit Mastercard, you can earn cashback on purchases.
30,000+ MoneyPass locations offer fee-free ATM withdrawals.

How To Cash Check On Venmo

Follow the below steps on your Venmo App to instantly cash check online.

Install the Venmo mobile application.
Sign up for a Venmo Debit Card or establish a direct deposit account.
Select the single person icon and tap “Manage Balance” to navigate to the “You” tab.
Choose “Manage Balance” from the drop-down menu.
Choose “Cash a Check” from the drop-down menu and follow the on-screen instructions.

5. The Check Cashing Store – Simple To Use

The Check Cashing Store — as the name suggests — doesn’t offer a lot of bells and whistles, but it does allow you to deposit checks using your smartphone and transfer the funds to a linked Visa, Mastercard, or Discover card.

If you call customer service, you will be unable to learn about the company’s fee structure. However, you can expect a standard fee of between 1% and 5% for every check.

Only residents of the state of Florida are eligible to apply.
A number of physical retail establishments can be found all over the state.

What App Will Cash A Check Immediately?

Almost all of the apps (Including Brinks, Venmo, and PayPal) mentioned above can cash a check for you in a matter of minutes.

The problem is that these companies are aware that instant deposit is a popular option. Expedited deposits are almost always subject to a fee, even if the check clears in 10 days.

Avoid overdraft fees and returned-check fees by being aware that if your check doesn’t clear, your deposit will be reversed. Before making use of the instant deposit feature, be certain that you have faith in the check issuer.

Wrap Up

Check cashing apps allow you to deposit your check money quickly and easily. A check-cashing app is a great option for people who don’t have access to a bank account or prefer prepaid cards.

It’s important to keep in mind that there may be fees associated with expedited deposits or with frequently depositing checks. Even a 1% payroll check processing fee can quickly add up.

Further Read:

5 Best Instant Online Check Cashing Apps