There are dozens of Ingo alternatives to Cash a check online instantly without ingo. However, Ingo i.e. Ingo Money is a good platform that offers many payment-related services like instant account funding, instant payments, outbinds transfers and payouts, bill payments, P2P money transfers, and many more.
Instead of going to banks, people prefer to check cash online because it saves a lot of time, effort, and money. After all, you can cash a check online in just a few minutes from your smartphone. It is also a good and very beneficial method for those people who do not have time to go to the banks and do the further process to cash a check.
Related Posts:
- $100, $50, And $25 Loan Instant App (No Fee, Instant Transfer…)
- How to Deposit Check on Cash App
- 4+ Ways to Transfer Money from Chime to Cash App
What is Cash a Check Online?
Thousands of people still do not know anything about online check cash technologies. It is nothing but services provided by many banks and non-banking finance companies that offer features where you can cash or deposit your check online in just a few minutes.
There are some limits like the amount of check should not be greater than a specific amount. This amount is usually not the same in these apps so, we can not give any exact or approximate for all the apps. But below we shared the amount of different apps separately.
If you go to the bank the cash your check then they will do it instantly but if you cash a check online then it may take 2 to 3 working days to credit the money into your bank. But they also allow you to get the money instant in your bank account by charging a small fee.
Benefits of Cashing Check Online
Several benefits of cashing a check online are as follows-
- No need to go Bank: You can check online using apps from your home and this process only takes 3 to 5 minutes to complete the process. So, it will save you a lot of time and also money if you go using a taxi.
- Instant Money: If you need money instant in your bank account and you have a check too then you can cash the check in just a few minutes and get the money in your bank instant by paying a small fee.
- No Leave: If you live far from your bank and you go to work every day. So, to cash your check most probably you’ll need a leave for it. But using these types of apps, you can do it from your home anytime.
Cons of Cashing a Check Online
There are no major cons of cashing a check online. But one reason is that these apps charge a small fee in case you want the money instant in your bank. Where the bank does not charge for these services.
But if you don’t need money instant then you don’t need to worry about it. Usually, most of the apps cash a check and transfer the money in 2 to 3 working days. So, you can wait if you don’t need the money instant.
How to Cash a Check Online
The process or steps to cash a check online is the same in almost all the apps. You can follow the below steps and I’m very sure you’ll not face any problem during the process.
- Step 1: Open the app in which the “Deposit Money” feature is available, in some apps the name can be different but it is easy to identify it.
- Step 2: Under the “Deposit Money” locate the “Deposit check” and click on it.
- Step 3: You’ll be asked a few things like the amount on the check, the signature, the image of the check, etc.
- Step 4: After submitting these details, you’ll get two options whether you’ll be asked to instant deposit or regular deposit. Choose in which you are comfortable.
- Step 5: Once your check details are verified then you’ll receive the money based on the above-selected method.
Cash a Check Online Instantly Without Ingo
As we mentioned above there is not only Ingo that provides the feature to Cash a check online. Dozens of apps provide the same features and mostly the fee to get money instant is almost the same.
So, for any reason, if you do not want to use the Ingo i.e. Ingo Money to cash your check online then you can use the below apps. We also shared the fee for instant check cash, the time duration for normal cash a check, and procedures to check a check for all the apps we listed below.
Note: Most banks have a feature to check cash online, check if your bank has the feature then you should avoid using the other apps. In case, if you don’t find the feature then you can talk to your bank’s support to know.
This is because third-party apps may use your personal information for advertising purposes or can sell your information too. It is seen in the small apps, not in the reputed apps. Below is the list of banks that provide the feature-
- Chase
- TD Bank
- US Bank
- CitiBank
- PNC Bank
- Wells Fargo
- Capital One
- Regions Bank
- SunTrust Bank
- Bank of America
- and many more banks…
Non-banking Apps to Cash a Check Online
Below are the non-banking apps that have a feature to cash your check online and you can also cash your check instantly using these apps.
1. GreenDot
GreenDot is also known as GreenDot Bank. It provides almost all the banking services and features you need in day-to-day life. Not only provides services but also provides a lot of products like GO2bank Visa Debit Card, Green Dor Visa Debit Card, Green Dot Pay as You Go Visa Debit Card, Green Dot Cash Bank Visa Debit Card, MoneyPak, etc.
They offer several benefits to their customers like early direct deposit, depositing money using many ways, paying bills, moving money, overdraft protection, money-saving features, and many more.
You can explore all the products and the benefits of the GreenDot bank through their official website.
Cash a Check using GreenDot: GreenDot allows you to deposit your check through their platform, they charge $5 as a fee to deposit a check instantly, if you do not need money then you can go with the standard process where you’ll receive the money in the 10 days. 10 days is very high as many apps take less time for the stranded check deposit.
2. NetSpend
NetSpend is also working in Finance and provides its bank account you can easily apply for it. NetSpends gives nearly a 6% annual percentage yield as of now. There are various extra features and benefits NetSpends provides like a Prepaid card with low benefits but also charges a small fee.
In the NetSpend Debit account where you’ll get almost all the banking features and services like Direct deposit, Move Money, Pay Bills, Visa Debit Card, Master Debit Card, and many more. You can also deposit or cash your check within a few minutes using the NetSpend mobile app.
Like other apps, NetSpend also charges a small fee if you want the money instant. The check approval may take 2 to 3 minutes but depends on the amount of the check. In poor cases, NetSpend may take up to 1 hour for check deposit approval.
The Good thing about NetSpend is that it takes 2 to 3 working days to transfer check money to one card account if you go with the regular check deposit.
3. PayPal
PayPal is also a well-known platform to transfer money internationally and receive money from almost all over the world. PayPal also started offering check deposit features to everyone and all the things are the same like fees, procedures to deposit a check, etc.
PayPal can also deposit checks in just a few minutes but charges a small fee of a minimum of $5 to 5% but the government check (only pre-printed signature) charges a 1% fee to the check amount. For a normal deposit, it takes up to 10 days. PayPal transfers the money into the PayPal wallet.
4. Venmo
Venomo is another very popular app that works in the same field but has a few extra features that can improve user experience. Venomo allows you to send and receive money, direct deposit, send a gift and pay in stores, apps, and online.
The unique feature of Venmo is it allows you to buy and sell cryptos from the same app, on the app there are a lot of top cryptos available like Bitcoin, Ethereum, Litecoin, Bitcoin Cash, and many more.
In the last 10 years, the Crptos has given a massive return as compared to the stocks, gold, etc. Most probably in the future, we may see this type of return again. Before investing in Cryptos make sure you understand it and have information about each crypto coin in which you are investing.
Note: You can Cash a check using the Venomo app but its check deposit does not work in the state of New York. So, make sure you check whether this feature is available for your location or not.
If you want money instant then you have to pay a fee of $5 but the fee is not fixed because it depends on the amount of the check. So, before proceeding for instant cash a check, make sure you check the fee.
If you go with the standard method then you don’t need to pay any fee as it is free but you’ll receive money in 10 days.
5. Cash App
Cash App is another very popular app for sending money, receiving money, P2P money transfer, buying and selling stock, cryptos, etc. The Cash App also provides a free custom Visa Debit Card that makes the app very different from others.
This app has some extra features like tax filing, money-saving features to keep a part of your money safe, security to save money, and many more features that will complete almost all your requirements related to finance at a limited level.
On the Cash App, you can also deposit your check or cash your check, the Cash App charges 5% as a fee to instantly transfer your check money into the bank account. There is a limit to deposit checks on Cash App i.e. $3,500 in a day and a total of $7,500 in a month.
There is a limit but the good thing is that if you choose a normal check deposit then you’ll get your money in 2 to 3 working days. On the other side, most of the apps take a very long time i.e. nearly 10 days.
FAQs
Ingo is not the only platform or app that provides instant check deposits. There are dozens of applications you can use.
Above we shared the method to check a cash online instant and also shared some of the top apps with their fee and the time they usually take to transfer money in your account in case you want to deposit a check without paying the fee.
Yes, PayPal also deposits checks instantly. The process to deposit a check in PayPal same as other apps. If you have a government check with a pre-printed signature then you’ll get a huge discount on the fee to deposit the check. You’ll get the check money into the PayPal wallet and you can transfer the money into your bank account or use it anywhere.
There are several apps you can use to cash a check instant some apps are Cash App, NetSpend, GreenDot, PayPal, Venmo, and many more. Before using we recommend you check their charges on an instant cash check.
Final Words: Almost everyone knows that dozens of apps give a feature to cash a check online. In those apps, Ingo Money also provides the same features but in case if you want to cash a check online instantly without Ingo then can check the shortlisted apps. In the list not all the apps are the same because some apps charge more money for instant check deposits on the other side there are also a few apps that transfer money in just 2 to 3 days after check approval.