Check Cashing Apps That Don’t Use Ingo for Mobile Deposits

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Ingo Money is popular, but there are other check cashing apps that don’t use Ingo for mobile deposits. In the United States, approximately 12.5 million people have a check cashing app on their phone, and for many of them, it’s Ingo Money that they use to cash their checks. But with so many other options out there, why is this one so popular? The answer is simple: convenience. There are few things more convenient than having a mobile app on your phone that will let you deposit or cash your checks without ever leaving home!

As we know the future of money is cryptocurrency, but the truth is that there are still many transactions and exchanges in which you need to use cash. The great news for people who want to get out from under Ingo Money’s thumb (or have a hard time getting their money) is that nowadays there are plenty of other options available.

over 12 million people have a check cashing app on their phone
Over 12 million people have a check cashing app on their phone

But how does one choose? It can be difficult and confusing sometimes. For some people, they prefer an app with more security features like Face ID or fingerprint scanning; others might not care as much about security but value privacy instead. There also needs to be consideration for what kind of bank account someone has: a checking account versus savings account will result in different rates when using certain apps.

Payments will also change in the future because of technologies. See what is visa provisioning service and how it is changing the landscape for credit card processing and payments.

How Long Do Mobile Deposits Take?

It can be a little confusing to find an app for mobile deposits. Mobile deposits can be as fast as instant online check cashing or take up over a week. You have options now – many different types to choose from with various features. But first things first: make sure your bank account is set up properly before choosing which type of account you want on the app or ATM machine.

What kind of bank account should I use? A checking account versus savings accounts might affect the rates when using certain apps for mobile deposits. If you need checks, know the bank differences between a cashier’s check vs a certified check before getting an account.

Ultimately the future of mobile check deposits is becoming a more secure and convenient option for consumers, as the market is constantly changing to meet their needs.

There are a lot of other mobile check cashing apps that don’t use Ingo Money to cash the check. While it is easy to make money transfers in person or online with Ingo Money, there are other great apps that can help you invest spare change from purchases and even get a credit card in order to pay off debt. Mobile deposits also are based on deposit times as well from banks.

This article will take a look at some of the alternatives to Ingo Money for check cashing.

Mobile Check Cashing Apps That Don’t Use Ingo

There are many mobile check cashing apps that don’t use Ingo. A lot of people are looking for these types of apps because they don’t want to use Ingo Money due to the 10 day waiting period before they can receive their money fee-free. If you are trying to cash third party checks, you may be out of luck. Most check cashing apps don’t offer that as a function.

mpbile check cashing apps that don't use ingo
Mobile Check Cashing Apps That Don’t Use Ingo

Below are additional personal check cashing options and mobile check cashing apps that don’t use INGO for check cashing.

Lodefast Check Cashing App

The check cashing app Lodefast is a free mobile check cashing app that doesn’t use Ingo Money. Lodefast makes it easy to sign up and cash your checks without ever leaving home!

To deposit a check, take a picture of the front and back of the personal check. Enter in some basic information about yourself. Then deposit your check via a secure electronic transfer. The app will cash your check using the methods of payment you select. Your payment selection is done during registration and they provide an immediate receipt to prove it.

Some of the benefits of using Lodefast Check Cashing App:

Cash your check from your phone and transfer to your bank account via check cashing app.

Fees: 3% to 5% for instant online check cashing for immediate access to funds. Free if using the 10-day ACH option for check cashing.

The Check Cashing Store App

The check cashing store app is another mobile check cashing option. The app is very convenient and easy to use.

  • Fees: N/A

This mobile check cashing store has the fastest way of making a cash deposit into your checking account. You can also withdraw money from an ATM or pay your bills.

The great thing about The Check Cashing Store App is that you can deposit your checks directly to select credit card accounts, your bank account, or a prepaid debit card.

For the app: Google Play

For the app: Apple


This app is a mobile checking app that lets you make deposits in real time from anywhere. You can also scan your check with a desktop scanner and well offering even more deposit options. You must have an account with GTE Online Banking to do this however.

Some of the other benefits of Deposit2GO are below:

  • FREE for GTE Members
  • You can deposit up to $10,000 per day
  • Deposited check copies are accessible for 18 months.

For the app: Google Play

For the app: Apple

Activehours App

The Activehours App is a mobile app that lets you receive cash before cashing your check. It is one of the few apps that will allow a cash advance based off of a screenshot of your timesheet for a given pay period.

This is also a free service and works off users offering “tips” on the app. When you come up short on your bills, this is a great alternative to receive a free cash advance if you have the timesheet to support it.

This is also a better option to use this app instead of getting hit with late fees from your credit card companies or bounced check fees.

Other advantages of Activehours App include:

  • No Fees rathe rather the user decide if it wants to offer a “tip” for the service of any dollar amount. Payment for the service is voluntary.
  • There are no hidden fees, interest charges, or administrative costs for this service.

For the app: Google Play

For the app: Apple

GADA Secure Pay

GADA Secure Pay is another check cashing app that doesn’t use Ingo. In addition to mobile deposits, GADA also allows you to create and send checks as well to businesses and vendors for payment all from your mobile device. All you need to send checks is a valid checking account linked up.

Other features of GADA Pay include:

  • App alerts when you have a low account balance
  • Track your spending habits through your synchronized devices

Related Questions:

Why Did Ingo Decline my Check?

Ingo will decline your check deposit if there are errors with the check such as endorsement omission, check amount is more than $5,000 and less than $5, or if you have reached your deposit limits within a certain amount of time. Additional factors why your check deposit might be declined would include if you are trying to deposit a starter checks or another form of a check such as a credit card check which are not supported.

When do Checks Clear Using Check Cashing Apps

Each check cashing app has their own timelines for when checks will clear, but the general guideline is that it takes two to three days if you are using a check cashing app affiliated with your own banking. You can receive your money immediately through some providers if you are willing to pay a fee. Some check cashing apps will waive this fee but you have to wait up to 10 days for the ACH to go through to your own bank account or other options.

Does Walmart Offer Mobile Check Cashing?

Walmart does offer a mobile check cashing service. They cash checks and accept deposits via their Walmart app which is available on both Android and iOS devices. You can get the cash at participating Walmart locations and fees vary by location.

Can Check Cashing Apps Save Money?

You can save money by using check casing apps if you are able to pay the fee upfront and avoid checking account fees later. You can also save money by using check cashing apps if you have a small balance in your bank account because some providers don’t charge overdraft or other service charges if your savings is low enough. Using these types of apps as an alternative method for withdrawing cash could prevent any potential late-payment penalties on loans, credit cards, and mortgages.

Another reason that people may use them is that they might not have access to traditional banking options due to a lack of internet connection or being too far away from their own bank. They also are an alternative payment method for declined debit card notices.

Can You Use a Check Cashing App Without a Bank Account?

No, most of the time you need a bank account to use check cashing apps. You’ll typically have your checking or savings accounts linked with the app and withdraw money from it when needed. Most check casing apps require that you open an account to use them in addition any other regulations set by the IRS for cash advances on credit cards too. The process is usually pretty quick and easy, no matter which one you choose because they all follow similar steps to sign up for their service.

What are Check Cashing Apps?

These types of applications allow users without access to traditional banking options due to lack of internet connection or being too far away from their own bank to get access to cash from a physical check. This is where these apps come in as they allow users to deposit checks with a camera on their phone, make withdrawals and transfer funds between accounts using only the app or website. That means you can do everything without ever having to step foot inside of your bank.

How Many People Use Check Cashing Apps?

There are many people who use these types of apps to get cash from their checks. For example, the app QuickPay is used by about 500,000 people in America according to a study done by ReachOut. Even when you budget by paycheck, you still need check cashing apps.

What are Some Advantages of Using Check Cashing Apps?

They’re really simple and easy to use especially for adults that may not be technologically savvy. There is no need to go inside of a bank and wait in line for your turn just to withdraw money from your account or deposit a check which can take forever sometimes. You can also see will canceling a credit card stop recurring payments and make those directly.

What are Some Disadvantages of Check Cashing Apps?

These apps all have the same issues that traditional banking has when it comes to fees, especially if you use them as often as some people do. It’s also inconvenient because these apps require internet connectivity so there are times where you might want cash but don’t have access. You may not be able to cash a check made in someone else’s name however.

How Can You Avoid Fees with Check Cashing Apps?

One way is by paying attention to how much they charge per transaction while still getting what you want done. For example if the app charges a fee of $0.99 for you to withdraw funds from your account, then that’s not worth it when there is one out there that doesn’t charge anything at all, and vice versa.

What Kind of Deals are Available with Check Cashing Apps?

There are some apps where you can make deposits without paying any fees and others give cash back on transactions which may be beneficial to those who like spending their money right away instead of waiting until the end of the month or week before they have access to their bank balance again.


While Ingo Money is the main option for mobile deposits, there are a lot of other check cashing apps that don’t use Ingo Money.

We found that Walmart offers a mobile cash option for those who want to get their money right away if they are willing to go into the store. In this article, we have explored some of the best alternatives including more traditional check cashing services and apps.

As most of consumers have a smartphone, it is possible to get the cash deposited into their account by an app. Make sure you know how to void a check and why you should after it has been deposited and confirmed.

There are even some cases where you can deposit checks from your computer or tablet. The fees vary depending on which company you use so be sure to do your research before choosing one.

BG Vance

For over 20 years, BG Vance has been a leader in public and personal financial management. He's developed and managed public budgets in excess of hundreds of millions of dollars. He is passionate about the FIRE movement and was featured in the Detroit News in 2001 about saving for retirement. Through the years, he's assisted families and individuals with getting their finances on track. He holds an MPA, is a licensed Realtor, and is currently working on a book about personal finance.

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