Best Check Cashing Apps That Don't Use Ingo

Most of us cash checks on occasion. We receive paychecks. We sometimes receive checks for additional tasks or incentives. Then some checks arrive as profits from internet surveys or giveaways.

Still, there is one significant drawback to cashing checks: we must visit a bank to deposit or withdraw cash. This can be quite annoying because we may need to look for a nearby bank and visit it, often during our working hours. If a bank is not nearby, you may have to spend a lot of money traveling by public transportation or your own car. 

However, certain check-cashing shops provide a service through which you can give the check and receive money. They do, however, pay less than the check's face value. It could also mean traveling to a location you do not want to visit.

In this article, we will discuss the top 7 best check cashing apps you can download on your mobile phone for this purpose. Also, these are the ones that can help you cash a check online instantly without ingo.

What is the Ingo Cash Checking App?

One of the most used cash-checking apps is Ingo. Despite being the best cash-checking app, Ingo charges between 2% and 5% of the check value as cashing costs, with a $5 minimum.

On the plus side, you can cash a check with Ingo at any time, day or night. You may use the Ingo app to check your cash balance at any time of year and from practically anywhere as long as your phone is connected to the Internet.

This cost can be too costly for many of us when using the Ingo app to cash a check. Many banks and credit unions in the United States also provide cash-checking services through their apps. However, they make use of Ingo services. This means you'll have to pay their fees.

However, there are many other options available for cash-checking apps other than Ingo.

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Top 7 Cash Checking Apps That Don’t Use Ingo

Chase App

Chase's app includes a feature called Quick Deposit. All you need to do is upload clear images of the check.

Cash usually arrives in your bank account within 24 hours, depending on when you deposit your check. These details are available in your app. However, this service is only available for certain customers.

Additional Features:

• Deposit checks with Chase Quick Deposit
• Send and receive money with Zelle
• 24/7 fraud monitoring

Santander Bank App

Santander Bank customers can download and use their app to cash checks around any time. It's as simple as uploading images of your checks and entering some basic information. Customers do not pay a fee to cash checks for a particular amount. However, some checks might have a small cost. However, the charge is justified because the service is extremely convenient and secure.

Additional Features:

• Fast balance check
• Card activation and blocking
• Smart secure access

US Bank App

The US Bank app is another excellent option. This option, however, is limited to US Bank customers exclusively. If you have an account with US Bank, you can get quick credit for all checks of $25 or less.

For higher amounts, you may have to wait at least 24 hours before receiving the cash in your account. For large accounts, the bank may take longer. However, the app shows the anticipated time it would take the bank to cash your check.

Additional Features:

• Mobile check deposit
• Send money with Zelle
• Customizable financial insights

AnytimeCheck App

AnytimeCheck is great for cashing many checks at the same time. That is because they charge costs for lots or bunches of checks rather than individual ones.

They accept checks from nearly all American banks. Before using this app, carefully read the terms and conditions and pricing schedule.

Additional Features:

• Print checks anytime
• Comprehensive check management
• Mobile and desktop-friendly

The Cash Checking Store App

The Cash Checking Store specializes in cashing all forms of checks. They impose a fee to cash your check. These fees vary depending on the amount of your check and, in some cases, the bank on which it is drawn. The app, on the other hand, allows you to cash your check at any time. The money is transferred to your bank account within 24 to 48 hours.

Additional Features:

• Quick check cashing
• Multiple financial services
• Physical store support

Chime App

The Chime app is operated by an eponymous financial organization. The app provides a variety of features, including online shopping, cash deposits, balance inquiries, investments, and more.

It also offers check deposit features for an additional fee. To use this app, you must first register and enter your banking information as well as confirmation of identity.

Additional features:

• No monthly fees
• Overdraft protection
• Automatic savings feature

NetSpend

NetSpend comes up with a no-credit-check guarantee and the opportunity to receive your paycheck sooner. This is the app that will help you manage your money like a professional.

Additional Features:

• Payback Rewards
• Optional high-yield savings account
• Customized text alerts

What are the Benefits of Using Check Cashing Apps Other than Ingo?

Choosing check-cashing apps that do not use Ingo has significant benefits. Some of them are:

Speed and Effectiveness

Do you need your money right away? Some of these apps can do exactly that, giving you immediate access to the money you've worked so hard for.

Saving Money

Skipping Ingo can mean avoiding unnecessary costs. This equals more money in your pocket. And who doesn't like saving money, right?

Convenience 

These check-cashing apps can be equally as convenient and user-friendly. Furthermore, some include particular features that you may not find in Ingo-based applications.

Safe and Secure

These applications take your security and privacy seriously. They have safety protocols in place to ensure your information is secure.

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Conclusion

The decision to use Ingo or other apps for check cashing is entirely up to you. It is decided by a number of criteria, including your affiliation with a bank or credit union, the fees charged for check cashing through their applications, and the urgency with which you require cash.

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