How to Cash a Check Online: Instant Online Check Cashing


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Today instant online check cashing services are considered the main stream option for check cashing.

I can remember as a kid going with my mom to our local bank so she could cash her check on payday.  In the 1980’s there was no such thing as instant online check cashing services online or online banking. Back then if you did not make it to the bank during the normal operating hours, you were out of luck and could not cash your paycheck.

Today, that is not the case.

Even when teaching how to save money as a high school student, instant online check cashing is taught as an option to cash gift checks.

There are so many ways how to cash a check online instantly.  Not only is it safe and secure to practice instant online check cashing, but you can also cash a check online any time of the day. You can also use a check cashing app as well to make your transactions when it comes to check cashing.

Below, I will detail how to cash a check from your phone and the best check chasing apps and services for instant online check cashing available right now.

Where Can I Cash a Personal Check Besides a Bank?

The best place you can cash a personal check besides a bank would be from your phone. Most instant check cashing is done through mobile bank deposits. You can use instant check cashing apps and have the money sitting in your account without ever setting foot inside a bank. Some of these check cashing apps will allow you to transfer money to other financial platforms including credit card accounts and to gift cards as well.

To receive cash, you can use an ATM. Additionally you can transfer the money to your credit card with certain apps and then receive cash back from a store. Most of the time there will be a charge for this service.

Can You Cash a Check Online?

can you cash a check online
You Can Cash a Check Online with Mobile Banking Apps

You may dread going into a bank to cash a check. Well, now you can cash a check online with the use of many banking apps and online check cashing services. Cashing a check online is secure, fast, and reliable. You can even cash third party checks online as well.

Most of the ways that involve instant online check cashing involve the use of your phone.  Cashing a third party check instantly now involves using a smartphone. This saves a tremendous amount of time cashing a check online versus going to a physical bank.

While you can’t physically receive cash through the Internet, you can deposit those checks into your bank account. At that point you can either find an ATM to withdraw physical cash or go to your actual bank and make a withdraw.

By utilizing your smartphone, you will be able to instantly deposit and cash your check online.

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Is Cashing a Check Instant?

Instant online check cashing is available for you with the use of your checking account, a prepaid debit card and/or cash from either yourself or another person. There are many different providers that offer this service including banks, credit unions, retail stores and private companies.

How to Cash a Check Online Instantly with Your Phone

Changing fast, the future of money involves mobile payments and deposits. Generally speaking, most online check cashing apps work the same way for instant check deposits.

how to cash a check online with your phone
How to Cash a Check Online Instantly with Your Phone

The first step includes downloading the app from the app store onto your phone.  Most of these apps are tied specifically to your bank accounts.

When you are ready to cash your check online instantly, the next step is signing and endorsing the back of your check.

Be sure to sign your check with your name.

For added extra security, you should put on the back of the check by your signature “online deposit only.” The reason you should do this is once you sign that check, the check is endorsed.

It would be easy for somebody, other than you, to cash the check online without ID.  With check cashing no verification online, it can be easy for someone to cash the check if it has been signed.

Remember with check cashing online without ID, there is no verification online that is done in person. So if you lose your check, you could be out of luck as somebody may cash the check instantly other than you.

The next step involves taking a picture of the front and the back of your check within your instant online check cashing app.

Most places will cash your check immediately and deposit the money within 1 to 3 business days.

Be sure to hold onto your physical check until you receive confirmation that your check has been deposited into your account. One you have confirmation you can void your check. See the correct way how to void a check so you can be sure nobody will be able to try and cash it.

Best Apps for Online Instant Check Cashing

best apps for online instant check cashing
You Can Use Mobile Apps for Online Instant Check Cashing

There are many different apps and websites out there that allow you to cash checks without having to wait in line at the bank. In this post, we will review some of the best options for instant check cashing.

Below you will find the best check cashing apps apps and personal check cashing services available for instant online check cashing. These are great options for how to cash a check online instantly.

Some of these options may not be a good fit for starter checks however. Remember to physically access cash on hand, you can use check cashing kiosks as well. You can find check cashing kiosks all over at places like 7 eleven and MoneyGram locations as well.

There is one personal check cashing service that will do this and you won’t have to wait for the check to clear.  This is not a free service however, rather fee-based and known as the INGO Money app.

INGO Money App

There is one personal check cashing service that will do this and you won’t have to wait for the check to clear.  This is not a free service however, rather fee-based and known as the Ingo Money app.

Ingo Money app will allow you to cash a check online instantly and receive the money in a matter of minutes to the platform of your choice.  There is no such thing as deposit delays when you use their personal check cashing service. 

Simply snap a picture of your check and send it to INGO money. You can use the INGO money app to transfer the money to your PayPal account or bank account.  Additionally, you can also pay your credit card accounts directly as well.

Some of the details of their check cashing app are below:

  • If your check is over $5.00, but below $5,000, you can get the money instantly.
  • You can send the money to some banks and select credit card companies.
  • There is also the option to utilize an online check cashing PayPal option.
  • To receive the money in minutes, you must pay a fee.
  • Fees range from $5.00 to 5% based on certain criteria for Instant Online Check Cashing.

If you need a service such as buying or cashing a money order, you are better off to use a money order near me location as the fees will be much lower that what the INGO app charges.

Nonetheless, they do offer a lot of options.  You can also send money to prepaid cards, such as Walmart MoneyCards (and Green Dot brands), and Amazon as well.

ACE Mobile Loads

Ace mobile loads app allows instant check cashing to debit and prepaid cards with the use of a mobile device. You must have an ACE mobile loads app account and link your debit or prepaid card to cash checks instantly.

  • Powered by INGO.
  • The ACE Mobile Loads app allows you to manage your account online.
  • Check your balance in just a few seconds.
  • You can also see your recent transactions and find the closest ACE Mobile Load location.

Download Here: Ace Mobile Loads

Brinks Prepaid

Another popular app for instant check cashing is the Brinks Money Prepaid Mobile App. This app allows you to send money to family and friends through mobile account to account online transfers. The limitation is they must both be Netspend card holders. Otherwise, a $4.95 fee is charged if the transfers go through a Netspend customer service agent.

  • With the Brinks Prepaid app, you can check your balance and transfer money.
  • Location finder allows you to find the nearest reload location.
  • Offers free budgeting tools to track spending and set limits.
  • Powered by INGO.

Download Here:  Brinks Prepaid Apple Users

PayPal App

The PayPal app is a popular instant online check cashing option for many people. The cashier check service within the PayPal app offers a lot of convenience for many PayPal account holders. With instant check cashing through PayPal, you can have your checks deposited to your PayPal cash plus account through the PayPal app.

Once your deposit is approved, you can either wait 10 days and receive your money for free or pay a fee and receive your money instantly.

How to Cash a Check Online Instantly with PayPal:

  • Open up your PayPal app and click “more” at the bottom of the screen.
  • Go to the “cash check” option. If you don’t have a PayPal cash plus account, you will need to set one up at this stage.
  • Enter the amount of the check, endorse your check, and take a picture of the front and back then select next.
  • Check approval and verification can be as fast as a couple minutes or up to an hour in some circumstances.

Once you receive confirmation that your check was approved, you can write void on the check. You’ll receive a confirmation page on your mobile device stating when the money will be available in your cash plus account.

Additionally, some additional factors to consider when using PayPal to cash a check:

  • Fees:  Can deposit checks into your PayPal Cash Plus account.  Free with 10-day ACH option.  For instant online check cashing, 1% for payroll and government checks, 5% for all others.  Minimum fee is $5.00.
  • Powered by INGO.

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GO2Bank

One of the larger apps for instant check cashing is GO2Bank. This check cashing app claims itself as having one of the largest free ATM networks available in claim they have no surprise fees. Their website states they don’t charge fees for bounced checks and there is no ongoing minimum balance requirements.

They do however have a monthly membership fee. This fee is waived if you have payroll or government benefits direct deposit in the previous monthly billing statement otherwise the fee is $5 per month.

Some additional features of the GO2Bank include:

  • You can cash a check online instantly with the GO2Bank app.
  • Up to 7% cash back when you purchase eGift cards in the GO2Bank app.

For iPhone users: Search for GO2Bank in the App Store

For Android users: Search for GO2Bank in Google Play

Large Banks

Most big banks today have mobile apps. Their mobile apps will allow a customer to make mobile check deposits instantly into the customer’s bank account. The process is the same using big bank apps to make mobile check deposits and instantly cash checks as it is with other instant check cashing apps mentioned above.

Additionally, your bank will also send you a confirmation once your check has been cashed and deposited into your account.

Axos Bank

You can cash checks online instantly if you are an account holder with Axos Bank.  Mobile check cashing is available and can be done from any location through the Axos Bank app. Formerly Bank of Internet USA, Axos Bank is completely free to make a mobile deposit.

AXOS bank also offers a personal finance manager as part of their checking accounts to help you stay accountable to your financial goals. The personal finance manager tool allows you to link to all your external accounts so you can manage all of your money in one place. 

For iPhone users: Search for Axos Bank in the App Store

For Android users: Search for Axos Bank in Google Play

Netspend

Netspend is a platform that caters to individuals that do not have traditional bank accounts. They serve approximately 70 million individuals that use an alternative method of instant check cashing without having a bank account.

Many people ask is it possible to conduct instant check cashing online without having a bank account? Yes it’s possible to cash a check online and transfer the money to a reloadable prepaid card instead of a traditional bank account.

Platforms such as Netspend allow you to do this. You can use their mobile app known as mobile check load to cash your check online and deposit it onto your prepaid card.

Some additional benefits of Netspend are below:

  • You can use the prepaid card to pay monthly bills and you can even withdraw cash from ATM’s for a fee.
  • There is no credit check
  • No minimum balance and no activation fee.

For iPhone users: Search for Netspend in the App Store

For Android users: Search for Netspend in Google Play

Chime App

You can do mobile bank deposits with the Chime app. This is a great option if you don’t have a bank account!

The Chime app also offers access to your banking information, including checking and savings.

You can deposit checks into your available funds with just one touch of the screen or scan them in-person at many locations.

You’ll need to set up an eChecking account.

For iPhone users: Search for Chime in the App Store

For Android users: Search for Chime in Google Play

Green Dot App

Green Dot App is another app that is available for instant online check cashing and deposits. You can utilize the app to deposit checks and cash them in your checking account.

You’ll need a Green Dot Prepaid Visa card for this option, which you can pick up at many different retail stores or order online. It’s important that if you choose this service, you are aware of what fees apply when cashing in your check.

For iPhone users: Search for Green Dot in the App Store

For Android users: Search for Green Dot in the Google Play

Boost Mobile Wallet

Boost mobile wallet is another app that you can use for instant checking account access.

You can use this app to deposit a check and have the funds transferred into your bank account as soon as they are available which usually takes two days from when you deposited it.

The Boost mobile wallet is associated with an email or phone number, so there’s no need for additional ID verification in order to begin.

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Related Questions:

What Are Some of the Advantages to Instant Check Cashing?

The best advantages for instant check cashing are the convenience and speed. You can avoid having to wait for your bank account to clear, which is typically five days or more. And getting money deposited right away into your account means that you have access to it immediately without needing a trip out of town. If you want instant check cashing then there are several options available to you.

Can You Cash a Check Online Without ID?

Yes, you can cash a check online without ID verification as long as it’s deposited electronically. Online checking account services like Boost Mobile make this possible by using your email or phone number to verify identity instead of requiring additional identification documents.

Can I Cash My Stimulus Check Online Instantly?

Yes, you can cash your stimulus check online instantly. This is especially helpful if you need to spend the money on something immediately and don’t have time for a trip out of town. Payday loan services like Check n Go make it possible by having most banks in their network that will accept electronic deposits right away without waiting.

Does INGO Cash Personal Checks?

Yes INGO does cash personal checks. They have branches in most major cities around the US and also offer instant online check cashing services for personal checks. In order to cash your personal check at INGO, you’ll need a valid ID with photo identification like a driver’s license or passport as well as the funds on hand if you’re not using an electronic deposit service like PayPal.

Once it clears, they can either mail out a physical check within two business days or provide instant access into your account via their mobile app which is especially helpful if this money needs to be spent right away rather than waiting until payday!

Instant Check Cashing Wrap Up

There is no question that instant online check cashing is more convenient than cashing a check from 10 years ago. Not only does it save time by utilizing mobile check cashing services, it is also more secure. There are some check cashing apps that don’t use Ingo as well that could be an option for you.

Once you have a check to cash, you don’t have to wait to go to the bank and risk losing the check anymore.  Once you have the check in your hand, you can deposit it.

All it takes is a check cashing app and a minute of your time (or less). If you are willing to pay fees, you can cash a check online instantly and receive the money within minutes into your account.

Or, if you are willing to wait the 10 days and use the ACH transfer option, you won’t have to pay any fees with some of the check cashing apps above.

Whatever you decide, there are many ways how to cash a check from your phone and receive the money instantly.

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