5 Easy Instant Mobile Check Deposit Apps

The fastest way to cash a check is through a mobile check deposit. You can cash a check online instantly without verification or a bank account. It will not cost you anything. This is because there are easy instant mobile check deposit apps out there to utilize for this goal.

What do you need to know about mobile check deposit apps, my good reader?

Besides the fact they do not require a form of identification to accept and deposit your checks, your mobile check deposit funds availability is within minutes. This is in contrast to traditional banks, which take about one to three business days to make your funds available to you.

You may be wondering how these instant mobile check deposit works. Well, some of the apps require you create an account with them. Then, connect your debit card or bank wire details with them in order to have your check funds deposited directly to your bank account.

What App Will Cash A Check Immediately

Here are the apps I use for instant mobile check cashing. You can use them too, rather than waiting for your bank’s one to three business day check deposit policy.

1. Money Mart

Money Mart cashes checks instantly. It has a check deposit app on android and apple stores. It is free to download the app. Also, any check deposit on the app gives you an instant access to your check fund.

Here are the steps to using the Money Mart check cashing app for American users.

• Download the Money Mart USA app from your Google or Apple stores.
• Create an account on the app.
• Click the “Cash A Check” button. You will be asked to take the front and back pictures of the check. Make sure you endorse the back of the check by signing on it.
• Follow the instructions and review your information you have put.
• Finally, tap on “Submit” button to submit it.

Usually, your check deposit takes about a few minutes to be available. Be sure to connect your debit card details to the app. It is the way Money Mart makes the fund available to your bank account instantly.

Finally, Money Mart cashes all kind of checks. It does not matter whether it is a personal check, insurance, government or money order, it will cash the check instantly for you.

2. Apple Bank Mobile Banking

This is one of the mobile banking apps with free mobile check deposit. The app is available on Google Play and Apple stores. To use its mobile banking services, you have to register on Apple Bank website. Then, download the app from Apple and Google stores.

Cashing A Check On Apple Bank Mobile Banking

After you have enrolled with them, sign into the mobile app. Then, tap on mobile deposit and on mobile deposit enrollment to agree to the terms and conditions. Once this is submitted, here is what you need to do

• From mobile deposit menu, select deposit check.
• Tap on the account you want the check to be deposited in. It could either be savings or checking account.
• Put the amount on the check and tap save.
• Signed the back of the check. Write “For mobile deposit only” below the signature, followed by the account you want the check deposited in.
• You can take the front and back pictures of the check. You do this by tapping on capture image. Then, take pictures of the check on a dark background.
• Finally, tap on submit deposit after making sure everything is correct.

“Deposit successful” will appear on your screen. It is an indication that everything went well. You can tap on the close button to finish.

Apple Bank Mobile Deposit Limit

Compared to other mobile apps for depositing checks, the check limit for Apple Bank mobile deposit is higher. You can deposit $8000 daily on its mobile app. Also, you can cash up to nine checks per day.

Within a period of 30 days, you can cash a total of $10,000 through mobile deposit. In the same period, you are allowed a maximum of 20 items deposit. I have to say, not every mobile check deposit app is this relaxed.

Apple Bank Mobile Deposit Funds Availability

How long does it take for a check to clear at Apple Bank, dear reader?

Checks deposited before 3pm is processed the same day. However, checks deposited after 3pm will not be processed until the next day. This is because mobile deposits after 3pm is considered next-day deposits.

Having said this, here is what to know about the next instant check cashing app.

3. Current

Current is one of the apps to deposit checks and receive your fund quickly. It is a financial technology. Do you remember when I wrote about depositing checks on Cash App?

Current is just like that. It is available for download on Apple and Google stores. You can sign up with your phone number. Then, put your bank account number so your checks can be deposited into your bank account quickly. You can click on sign up for Current account to create an account.

How To Use A Mobile Check With Current

Firstly, you have to create an account with Current. After that, follow the following steps below for a current mobile check deposit.

• Tap the dollar sign
• Select the “Add & Move Money” Tab
• Tap on Deposit Check
• Then, put all the check information needed like the check amount and other relevant information.
• Take a picture of the front and back of the check. Be sure your check is on a dark background. Also, be sure endorse the check by signing the back of the check.
• Select Next to deposit the check.

Before you deposit your check using Current mobile check deposit, please note that Current does not accept any of the following checks:

• Money Orders
• Checks older than six months old
• Personal checks
• Customized checks
• Bounced checks
• Checks with dates on them already passed
• International checks (Non-American Checks)
• Checks payable in foreign currencies

Any violation of these, will result in your check not being processed.

Current Check Deposit Availability

How long does Current mobile check deposit take, good reader?

Current is a money app which cashes checks instantly, however check fund availability is the same as traditional banks. Your check fund will reflect within 3 to 5 business days. In case of problems associated with your check processing, it may take longer than this time for your check to be available.

4. Go2Bank

You can cash a check on GO2bank™ app. Go2Bank is an online mobile banking system which lets you do transactions as long as you maintain an account with it. Setting up an account is free; there is no monthly charge for maintaining a bank account.

Why would you use Go2Bank when you already have an existing bank account, my good reader?

Well, you can deposit your check on GO2bank™ app and get the funds within minutes. It has an exclusive offer where you can even get $5 for cashing a check for the first time.

You can easily download the app on Google and Apple stores.

Go2Bank Mobile Check Deposit Tips

After you download the app and create an account, here are the steps to deposit your check.

• Select the “Move Money” tab.
• Tap on “Cash a check“.
• Select check image to start taking pictures of your check. Place your check on a dark background and follow the instructions on taking check pictures. Also, enter the amount on your check.
• Select when and where you want the check fund deposited.
• Review to make sure everything is correct and tap submit.

Be sure to keep your check around, in case of check clearance problems. The last thing you want is to lose your check and the check does not deposit due to issues. So, I recommend you keep your paper check for two weeks before disposing it.

How Long Does It Take For A Check To Clear On Go2Bank

When you select when you want your check deposited, you are presented with two choices. Either you get your check fund within minutes for a little fee, or you can get it in 10 days for free. There is a 1% fee for government and payroll checks.

Any other check will be charge a 5% fee. Overall, there is a minimum of $5 per check. But hey, you can always wait the entire 10 days to cash your check for free. Or, you could check out these free check cashing places.

5. Boost Mobile Wallet

You can cash checks with Boost Mobile Wallet. The app is available on Google Play and Apple stores. All you need to do is create an account with the app, in order to use its check cashing and financial services.

Here is how you can cash check online instantly with this one.

• Download the app and create an account. There are two kinds of Boost Mobile Wallet accounts: basic and plus accounts. The plus account lets you deposit checks, send money and other financial services.
• Sign into your new account. Tap the menu and select Boost Mobile Wallet Card.
• Follow the instructions and tap on Deposit Check.
• Capture the images of your check. Do not forget to endorse your check before taking the pictures. Finally, put in the check amount and select when you would like to receive money.
• Review and submit the deposit.

It is as simple as that. The best part of this is, it only either costs a $1 or it is free to deposit. Here is what I mean.

It can cost a fee to get your money in minutes. Otherwise, it is free if you are willing to wait for 10 days. The choice rests with you.

To conclude this article, these apps can have you deposit your checks instantly. If you are looking for the best check cashing apps which can cash your checks in minutes for free, read the highlighted article. Oh by the way, be sure not to throw your paper check away until your check fund has been made available to you.