There are some check cashing apps, which will let you cash checks instantly. These apps are there to save you from the inconvience of bank closed hours. While some require a form of identification to cash your check, a great majority do not need an ID to cash your check.
All you have to do, is to download the check cashing apps and follow their policies of online check cashing.
So, what apps cash checks instantly?
Instant Mobile Check Deposit Apps
Here are a list of the best check cashing apps that will give you money instantly. This is after you have done a mobile deposit with them.
1. Cash App
Cash App accepts check for instant deposit. Prior to your check deposit though, your cash app has to be linked to a debit card or a bank account, so your check can deposit instantly upon clearance. This is so cash app can make your cash available to you.
Cash App Check Cashing Eligibility
Since Cash App uses mobile capture to cash checks, it requires you meet some requirements before it can cash your check. Here are its mobile deposit policy.
- The check must not be altered.
- Your check must have your name on it or your name with someone else’s; that is a joint check.
- Also, the check has to be endorsed.
- Your check has to be payable in American currency; that is the United States Dollar. Further, the check has to be payable to banks in the United States.
- It must not be a check, which has been previously cashed.
- Finally, the amount on the check should be within the limits set by the mobile capture feature of cash app.
As long as your check meets these criteria, you can deposit a check through cash app. Otherwise, Cash app reserves the right to deny it.
Cash App Check Deposit Time
It takes 1 to 3 business days for Cash App to deposit your check. It is recommended that you keep your check for two weeks, before disposal. This is because Cash App will call you to verify, once the mobile capture is done.
So, make sure your information on its app is up to date.
Cash App Check Cashing Fee
Cash App charges a 0.5% to 1.75% fee for check deposits. Here is an example of what this may mean for you.
If you deposit a check amount of $500, what this means is the fee will range from $2.50 to $8.75. When compared to other check cashing places near you, this is not bad at all.
2. Venmo
Venmo check cashing is instant. I am talking about a process which takes a few minutes to a few hours. What do you have to do, good reader?
Firstly, you can download the app on google or apple store. Then, link your account to your bank account for a deposit option. Otherwise, you can get the Venmo debit card, in order to have your funds release to the card.
Venmo Check Cashing Limits
Venmo mobile check deposit only allows a maximum of $5000 daily. Also, you can deposit more than $5000 in a month. In fact, the check cashing app will let you deposit up to $15,000 a month.
Finally, the minimum deposit is $5. The Venmo checking cashing app will not let you cash a check less than this amount.
Venmo Check Cashing Fees
Venmo is one of the check cashing mobile apps with free mobile check deposit option. It will charge you a 1% to deposit paychecks and 5% fee for other checks. But, this depends on what fund release option you choose.
You see, Venmo lets you select either an instant fund release or a fund release 10 days after deposit. If you could wait for 10 days for your fund to be deposited to you, there will be no check cashing fee. It is absolutely free.
Even more, a mobile deposit with immediate fund request can happen within 10 minutes to 1.5 hour. It will cost you a 1% fee for paychecks and 5% fee for any other check. So, be sure to choose the one which works in your favor.
3. Green Dot
Green Dot is a mobile banking app, which lets you deposit checks any time of the day. You can deposit personal checks, commercial checks and government checks on this check cashing app. This mobile banking app is available on apple and google stores for download.
With Green Dot mobile check deposit, it takes a minimum of one business day to have access to your check fund. If not, your check will take a maximum of 5 business days to clear. In case you do not want to wait that long, Green Dot mobile check cashing has a feature which lets you canceled.
You can do this, by clicking on the “No thanks” feature. It allows you to cancel your check deposit at no cost. Interesting, is it not?
How Much Does Green Dot Charge For Checks?
The Green Dot mobile app will not charge you a fee to deposit a check. All which is needed from you, is to follow their instant mobile check deposit policy.
4. Chime
Chime online banking is one of best apps to cash a check instantly. This is because it offers a free instant mobile check deposit service. In addition, Chime is a technology which has over 90,000 retail locations nationwide.
How does this help you with an instant mobile check deposit?
In case of a deposit problem, you can easily be helped by a human representative face to face.
To qualify for mobile check deposits on Chime, you must have deposited $1 or more since June 1st 2021. This deposit could be a paycheck, government benefits or a money transfer to your Chime account.
Otherwise, you have to deposited $1 or more to qualify. After you do this deposit, it will take about 30 days to get you qualified for a mobile deposit.
How long does mobile check deposit take chime
It takes a maximum of 5 business days for your check to deposit on Chime. If it took more, contact their support center for information. But usually, it will clear and deposit without issues. This is assuming your check is legitimate.
Importantly, your check may take additional business days to deposit. This is when you deposit on holidays or the weekend. These additional business days will not exceed the maximum 5 business days time frame.
5. PayPal
Paypal has an instant mobile check deposit feature. But, this service is available for everyone, except customers in New York.
To deposit and cash a check through PayPal, you need a Balance account to use the cash a check feature. Obviously, this requires you to create an account with PayPal first. The creation of an account is free.
PayPal Check Cashing Fees
Paypal charges a minimum of $5 for instant check deposit. Otherwise, it is free when you wait for 10 days. Here is what else to know.
You will not be charged any fee, when your check is not approved. What this means, is there will not be penalties to cashing a bad check.
How do you cash a check through PayPal
Here are the steps:
- Create a Balance account with Paypal.
- Go to ‘cash a check’ in the wallet feature on app.
- Using the camera feature, snap both sides of your check.
- Choose the time you want your check deposited. This may take a few seconds to minutes for check verification.
- Once your check is verified and deposited, write void on your check and snap a picture of the check for PayPal.
It is quite easy to deposit a check on PayPal. This app is available on apple and google stores for download. Check it out there.
6. IngoMoney App
IngoMoney is a great mobile check cashing app, which lets you deposit money into your bank account or debit cards within minutes. It is available for download on apple and google stores. And, it is free to use.
After account creation with this instant check cashing app, you have to link your account with your bank, PayPal, credit or debit cards. This is to facilitates a seamless transfer of fund after check verification.
IngoMoney Check Cashing Process
Here are what to know.
- Firstly, download the IngoMoney app and create an account.
- Link a bank account, a credit card or a debit card to this account.
- Click on ‘Cash a Check’ feature.
- Then, take two clear pictures of your check. This includes the front and back of the check.
- You will be asked to choose the time you want the money deposited and where.
- After these inputs, click submit for check review.
Usually, the check review takes a few minutes. This is when you deposit a legitimate check. A legitimate check in this case is a payroll, government or any other legal check with available funds.
Once your check is approved, you are required to write ‘void’ on your check and upload a picture copy. It is the same process as a PayPal instant mobile check deposit, but faster in process.
IngoMoney Check Deposit Fees
Ingomoney has two check deposit fees structures. The first is a standard pricing, while the second is Ingo Gold Preferred pricing. Here is the difference.
Ingo Standard Pricing
IngoMoney will charge you a $5 fee for a check value of $250 or less. If the check value is more than $250, it will be a 2% fee. This is for preprinted payroll and government checks.
For other kinds of checks or money order, you will be charged $5 for a check with a $100 value or less. And a 5% fee, if the value of the check or money order is greater than $100. Personally, I think it is a bit expensive. Don’t you think, dear reader?
Ingo Gold Preferred Pricing
You qualify for this check fee, when you deposit more than 6 checks within a 90 day period. It charges $5 for checks with $500 or less value. And, a 1% fee for checks with values greater than $500.
Also, other check or money order deposits are charged $5 fee when their values are $125 or less. Otherwise, you will pay a 4% fee when their values exceed $125.
Finally, you can get your check deposited for free. But, you have to wait for 10 days. This is a good idea, when you are not in a rush.
7. Check Cashing Store App
Check Cashing Store is a store with locations all over Florida, which provides financial services. It has a good instant mobile check deposit app on apple and google stores. Here is what kind of checks the check cashing store cashes.
Its mobile check cashing app will take insurance, payroll, government, personal and small business checks. Money orders are not exempt too. The Check Cashing store mobile app will cash it for you. Fees may apply.
8. Netspend Mobile
With a Netspend mobile account, you can reload your prepaid debit card through an online check deposit. You can deposit a check amount of $5 to $2500 on its platform.
How Does Netspend Mobile Check Load Work
The online check deposit process is similar to other instant mobile check deposit apps. Here is what to do.
- Download the Netspend Mobile App from apple or google stores.
- On the left is a menu, click to select ‘Mobile Check Load’.
The app will tell you what to do. Just follow its instructions. Be sure to endorse your check before taking pictures of it. This helps to avoid unnecessary wait. Besides this, mobile deposits take minutes to occur after verification.
Netspend Mobile Check Load Fees
Netspend Mobile Check Load fees depend on two factors. It depends on the time you select for check deposit and what kind of check you have deposited. Here is what I mean.
It will cost you 2% for pay checks or government checks. As long as these checks have a printed signature, there is a minimum fee of $5. Further, other checks with a handwritten endorsement will cost you a 5% fee. Otherwise, it is minimum fee of $5.
Finally, there will not be any fee if you are willing to wait for 10 days for your check fund to be available. The fees mentioned here are for expedited funding. By expedited funding, I mean having your check fund available within minutes of mobile deposit.
These are the best check cashing apps nowadays. They are here to stay. And, they will save you a trip to the bank. Be sure to follow their online deposit policies though.
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