11 Best Apps for Cashing Checks (Android & iOS)

Cashing checks? Are you serious? I thought nobody in the 21st century uses them. As it turns out, however, checks are still used sometimes – it may be a tax refund or a birthday present. In any case, since you are here, it means you’ve got a check and you need to cash it!

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The good news is that you don’t need to go to the bank in order to receive your money. If you want to be efficient, it is best to download one of the checks cashing apps from down below and spend the saved time for something more pleasurable. So, let’s just dive right into the apps!

Ingo Money

The most popular app in this category is Ingo Money. Ingo Money is a wonderful tool that is tried and used by many. With its help, you can cash any check you like – it can be a business check, a cashed paycheck, or a personal check.

You can get your money both in a debit card and in a PayPal account. What’s more, you can split the check and send one half of the money to one account and the other half to the other.

The app is quite intuitive. You don’t need to spend lots of time figuring out how it operates. First, you need to take two pictures of a check – from the front and from behind. Then, upload them and wait until the operation is approved. Once it is approved, you can enjoy having your money.

Where the money goes is up to you! You make that decision before the whole check cashing process even starts. So, in short, choose where the money goes, make two pictures, wait until the check cashing is confirmed. No worries and no long lines!

The app requires a fee, but you can wait for 10 days in order to make it all free. The fee is not big but if it bothers you then you should definitely go for a free option or try some other app!

ingo money app

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By the way, there are many amazing apps for bookkeeping. Check out this article 11 Best QuickBooks apps for Android & iOS to find out what they are.

U.S. Bank

Maybe you don’t need a special separate cash checking app, after all? Your bank has probably got a mobile app that has several features apart from balance checking and money transactions.

Cash checking may be one of them! This concerns large national banks (Chase Bank, Bank of America, Wells Fargo, U.S. Bank) – if your bank is not of this kind, then you’ll probably need to go for Ingo or something simpler. This is, for example, the U.S. Bank app and it is quite convenient.

All you need to do is to insert a deposit address, the amount of money you want in cash, and two images of your check. That is it! Financial operations might feel safer when done in an app that you have already got used to. If this is the case for you, then look for the needed feature in your bank’s app!

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ACE Flare

ACE Flare is similar to the traditional bank accounts, but in fact, this is the check cashing app. It provides lots of spots for the free ATM cash withdrawals. What is more, you can just scan your check and the app will convert it into the digital form, so you won’t even need to waste your time for filling these forms in the app.

This app can also work as the money transfer app and it charges a little commission for each transaction you make. There is currently no charge for the standard check-cashing service. Expedited requests have a 2% to 5% fee with a $5 minimum charge. Overall, ACE Flare is a good choice for users who don’t want to use the traditional bank.


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Deposit2Go app is one more old (and old-fashioned) app that offers you a check-cashing feature. It has been around for more than 5 years and people who are used to it don’t really want to substitute it with anything else. It is clear why! The app works and it works well without any fees.

The interface doesn’t look that good and the overall process feels a bit clumsy but eventually, you get your money without going to the bank or a financial center. If you don’t mind a ‘retro’ style, there are no reasons not to choose this app.

Deposit2GO app

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The Check Cashing Store

This app allows you to make check deposits directly to your bank account or any prepaid card by taking a photo of a check and uploading it. Another additional feature that you can discover here is your transaction history and your spending habits. Overall, it works with all the most popular card brands – MasterCard, Visa, and so on.

The interface of the app is quite simple and not so easy in usage. You might need some time to understand all the forms and sections of this app. However, it performs its main function, and that’s the main advantage – just fill out all the forms correctly.


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Brink’s Money Prepaid

Brink’s Money Prepaid is an app that helps you to manage money. With it, it is simple and easy to send money to friends and family, view the history of transactions, move money from one card to another, and more.

What the app also has is a check cashing feature. Just like in the case above, here it is provided by First Century Bank, N.A., and Ingo Money, Inc. So, all the requirements and conditions are the same as in Ingo app.

If you want to have an app on your phone that helps you deal with money in general and cash checks, then this one is a way to go to! The app will provide you with all the necessary features. Try it now and see if it suit you!

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AnytimeCheck is an app that lets you quickly see all your check payments. It has simplified payments. To make the whole process reliable, be sure to use the features of the program. Pay online and get your checks electronically without any problems.

The app is completely free. To use the program, create your account. To get started, go to the app’s website, enter everything you’re asked to do, and log in to the system base. Then you simply open the app and enter all the data if needed.

Users adore this program cause they can quickly see the number of purchases in the receipt and even count your expenses with it.

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To start with, in this app you can reload a Netspend prepaid debit card without stopping at an ATM. Check-cashing services are one of the best among all the apps of this type. The app works automatically, so you can just scan the check and the app will fill out all the forms for getting money for you.

The doesn’t check your credit history and you don’t have to have any balance on your card here. In order to activate your account, you don’t have to pay anything. In addition, the app shows all the reload locations. However, before using the app check out all the user agreements.


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This is the multi-functional money management app. It is super convenient in usage, and, in the first place, allows you to keep all your cards and expenses under control. There is a function for cashing checks as well, you just need to enter all the data about your check into the app and the rest will be taken care of.

Sometimes the app takes ATM fees but there is a chance to get a quick reimbursement. Here you got the FDIC insured up to $250 thousand. Apart from that, you can set up the financial goals in this app. And by the way, Betterment includes the initial deposit for the usage – $10.


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Alliant Mobile Deposit

Alliant Mobile Banking app also allows you to cash checks instantly without waiting in lines. The app has many other features such as keeping track of your finances, sending and receiving money, and more.

All deposits are subject to the Alliant Credit Union’s Funds Availability Policy, so there might be some fees. All the banking features are free but when it comes to cashing checks it is always complicated. So go on and try it! In any case, you’ll get the app you enjoy.

allient app

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Check 15 Best Passbook | Wallet Apps for Android & iOS to never miss discounts.

PayPal mobile app

Everybody knows PayPal. The service allows you to send money and receive it from all over the world. The app is simple and easy to use. PayPal indeed allows you to cash checks. More than that, you can do it without any fees.

A good thing to keep in mind is that there is a $1,000 per day limit. It takes 2-3 days to process the whole thing but eventually you’ll get the money – there is nothing to worry about.

So if you have a PayPal account, there is no need to download an additional Ingo app. All you have to do is to go to ‘My account’ and take a couple of snaps. Easy and efficient, suitable for Android and for iOS!

paypal app

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To summarize, there are lots of apps for cashing checks. You don’t need to stand in lines anymore. The most popular service is Ingo, however, there are a couple of other apps that you might try. One of them will certainly do the job and save your time! Be smart in choosing apps.

Freeappsforme team
Free apps for Android and iOS