This post may contain affiliate links, please read my Disclosure policy.
Easy Ways to Cash A check Instantly Online
For the unbanked and for those looking for convenience, mobile cash checking is a great option to access your money.
Today you can cash a check online as quickly as possible, even if you don’t have a bank account.
If you have a check for your birthday gift, tax refund, payroll or any other, you don’t have to walk into your bank’s branch for cashing.
Mobile check deposit allows you to save time by cashing your check remotely.
Some banks provide mobile apps you can use for check deposits and other transactions.
But, if your bank doesn’t offer this service, there are third party Apps you can use to cash your checks.
Your bank generally won’t charge a fee for online check cashing, for third party apps you will have to pay some fees.
So, If you’re looking for convenient and fast check cashing, mobile Apps are the modern way to do it.
Another reason why people are using Mobile Apps to cash checks is because they don’t have a bank account.
It’s estimated that over 5% of households have no bank accounts.
This category is defined as adults eligible to open an account, but don’t have one.
If you have a bank account, this is generally the best place for you to also cash your check online quickly.
- Personal Budget Planner for Beginners
- Create a Budget for Beginners
- 4 Ways to Keep Track of Your Money in 2022
- 26 Weeks Saving Challenge
Best Ways to Cash A Check Online – With a Bank Account
Having a bank account that allows for online check cashing is one of the best and cheapest ways to access your money.
Generally, there are no fees for these transactions from your own bank.
Here are some specific banks providing remote or mobile check cashing.
You can deposit your check online with Ally eCheck Deposit. The check must be payable to you, dated in the last 180 days, drawn on a US bank in US dollars.
The check must be endorsed on the back “for deposit only” and your signature.
You can deposit checks from your Chase Bank Mobile App.
Just take a picture of your endorsed check and do the mobile deposit. Your money will be available the same day if you deposit before 11pm.
You’ll receive an email with the status of your deposit.
US Bank Mobile Check Deposit
The US Bank app lets you make a check deposit anytime and you’ll get a receipt confirmation right a way.
This app lets you know if you have any deposit limit and the amount before endorsing your check.
Download the Capital One Mobile App to start using the remote deposits feature.
Use your phone to take a picture and deposit your check almost anywhere.
If you don’t bank with any of these institutions, check your bank for mobile deposits features.
Third Party Apps For Online Check Cashing – Without A Bank Account
For people without a bank account who don’t want to walk into a check cashing place, third party apps are very convenient.
Here are some of the apps you can download for free and use to deposit a check online.
You need to be a customer of PayPal to cash a check using the mobile App.
If you are, just download the app on Google Play or the App Store.
You’ll have to wait about 2 to 3 business days to obtain the cash.
Ingo is a financial app that lets you deposit checks online and if approved you’ll have access to your money within an hour.
You can use a bank account, a prepaid card or your PayPal account to link to your transactions.
For government and payroll checks, there is a fee of 2%. For all other checks there is a fee of 5%. There is an additional fee of $5.00 per transaction.
Money Mart Mobile App
Using Money Mart you can do mobile check cashing and in person check cashing.
Just download the mobile app in the Apple Store or Google Play Store.
You can cash payroll, government, personal, tax and other checks using this App.
Personal, government and payroll checks can all be cashed online. You can get the Green Dot app on Apple Store or Google Play.
You can also use the Ingo app, which has teamed up with Green dot to offer check cash.
The Ingo option will cost you 2% or 5%, depending on the type of check. Also a $5.00 transaction fee.
NetSpend offers prepaid card services, however you can also use the Mobile Check Load to make deposits.
There are two ways to make use of check deposits; one with Direct Deposit and the other is by depositing a paper check.
This platform also has more than 130,000 locations to make deposits in person.
Mobile Check Deposit Limitations
Although, the apps for remote check deposits are a convenient tool, there are limitations to them also.
- Your bank can limit the amount of daily online check deposits
- Your bank can reject a remote deposit
- Your bank can place a pending status on your check
- Make sure to endorse the check in the back and write for “mobile deposit” below your signature
- Keep your original paper check, in case of error or dispute
For people without a bank account or for those who want fast access and convenience, mobile check cashing apps are great tools.
Save time and sometimes money using online check cashing services from third party money apps or your bank’s apps.
The mobile apps above offer fast and convenient on-the-go check cashing services.