Can I Cash a Check Online? Heck Yes!

Some of the links included in this post are from our sponsors. Read our disclosure policy.

Have you ever received a check and thought to yourself “can I cash a check online?”

Checks are becoming a payment form of the past and it’s easy to see why. They are extremely inconvenient when it comes to actually getting your money. You have to go to the bank during open business hours (sorry weekends), wait in line, and then deposit or cash the check  

Thankfully in today’s digital world, you can cash a check online very easily and there are a ton of great options available. Here are the best and cheapest ways to cash a check online when you need your money fast and want to do so from the convenience of your house.

Big Banks Now Have Free Apps  

Chase Bank is one of the big banks that does allow you to cash a check directly through their mobile app if you are a current customer.

If you deposit the funds before 11 pm EST you will generally be able to access the funds the next business day. In some instances, there might be additional delays if the check amount is out the ordinary or the pictures didn’t upload correctly.

Chase is a great service as the app is very user-friendly, you can deposit the checks on your schedule, and the platform is very secure.

Bank of America, US Bank, and Wells Fargo have almost the exact same process when it comes to cashing your check online as long as you have an account with them. This is a 100% free option and lets you access your money relatively quickly and effortlessly.

PayPal

Yes, PayPal the payment giant does allow you cash a check directly through their app which is available on both the App Store and Google Play. Once you download the app simply go to “My Account”, snap a few pics of both sides of your check and you are all set.

This is a 100% free service with no fees to get paid.

The downside? You do have to wait 2-3 business days and there is a $1,000 per day limit. This is not the best option when it comes to being able to cash a check online.

If you are a customer of one of the big banks previously mentioned they are the recommended choice.

Ingo Money

Ingo Money is a free app that will allow you to cash checks quickly to your bank account, prepaid card or to a PayPal account.

The app will allow you deposit almost any type of check at any time of day and get your money instantly. Additionally, they allow you to split the cash amount, buy an Amazon gift card or fund several different accounts.

This is a great tool as it can allow you pay a credit card quickly and avoid any potential late fees (and the massive ding on your credit score). The one downside of this app is that it is only available in the App store for iOS devices, sorry Android users.

Guaranty Bank

Guaranty Bank is another option when it comes to being able to cash a check online. When you can’t wait the normal amount of time, Guaranty Bank can help with their checks press check cashing service. They have several different options depending on if you are an account holder or non-account holder.

The types of checks that are eligible include payroll, government, tax refund, insurance, cashier’s, travelers, and money orders as long as the total is under $5,000.

If you are an account holder the fee is 1.5% of the check amount and the fee is 2.5% if you are not an account holder. Personal checks are 3% of the check amount for account holders and 3.5% for non-account holders.

This should be considered a last resort as the fees can really add up. Instead, opt for free services through your bank whenever possible.

Bank of Internet USA

Mobile Deposit offered through Bank of Internet USA, allows you cash your checks online directly into your checking or savings account with their app that is available on both the App Store and Google Play.

Once you download the app, you simply upload both sides of the check into a money market, checking, or savings account. The best part? This is a totally free service that is part of their online banking tools.

This suite of tools is only available if you open a checking or savings account with them.

Money Mart

Money Mart is another option that allows you to access your money nearly instantly and does have physical locations across the US if you do need to walk in. Their app is available on both platforms and you are able to upload checks as you would with the others previously mentioned.

GoBank

Go Bank makes depositing a check online quick and easy. You can skip going to the bank by uploading pictures of the check from your smartphone. The app is available on both the App Store and Google Play.

Start Cashing Checks Online

Thanks to smartphone and convenient apps it has never been easier to cash a check online. If you can wait the 1-2 business days to receive the money big banks like Chase, Bank of America, and Wells Fargo are the easiest and lowest cost option.

They are also simple, safe, and will be directly deposited into your checking or savings account. If you can’t wait and need the money sooner, check out of one of the apps above but be sure to factor in the fees that are associated with them.  

Have you cashed a check online with your bank or through a 3rd party app? Which is your favorite? Did we miss any?

26 COMMENTS

26 responses to “Can I Cash a Check Online? Heck Yes!”

  1. JoeHx says:

    I cash checks online via my credit union’s mobile app all the time. There’s only been a couple of times where the app wouldn’t accept the check – either it was too blurry, or it didn’t quite capture the numbers – and I had to have it cashed in person (so don’t throw away a check until the funds are available!) There was also another time where the check was too large for me to cash it via the mobile app – that was the check I received from selling my house, so about $29k.

    • Josh Patoka says:

      I had a similar experience. Keep the check for at least two or three days afterwards, but I must admit, Mobile Deposit is a lot simpler to use than it was 10 years ago when I first started using it.

  2. Polo says:

    I found a check in my belongings that is from 06/17/14. What can I do?

  3. Rachel says:

    I wouldn’t be referring anyone to INGO. They’re fraudulent. They have received tons of complaints. They took all of my personal info and pics of my check then denied me and logged me out.

    • Deacon says:

      I am sorry you had a bad experience with them. Did you contact them about it?

    • Shay says:

      I had the same situation here. But they are huge and linked to almost every Prepaid card I have! I am thankful for this site. I had begun to believe there weren’t any other options besides INGO!

    • KRISSI WAYMAN says:

      I’m trying to get a third party check cashed online. My husband signed it over to me and Ingo declined it. It took my information and logged me out. Do you have any ideas for another place that will take it?

      • Deacon says:

        Were you using an Android phone? If so, that could be the problem. However, it is very difficult to cash a third party check online. You might waste less time taking it to the issuing bank or contacting them to find out how best to do it. I wish you luck!

  4. Tara Walsh says:

    Do I have to give my username and password to the person that’s writing the check to me?

    • Deacon says:

      I am not sure that would be wise. However, each of these options probably has different procedures but will likely tell you what you need to do.

  5. April Miller says:

    Ingo charges fees to cash a check. The lowest is $5.00. So, if you have a check for $5.89, you’ll receive only $.89. It’s ridiculous.

    • Deacon says:

      Well, it does make sense that they must charge at least a little for their services. Additionally, there are some fees that would likely be the same, no matter how large or small of an amount they are cashing. Therefore, having a minimum fee makes sense. However, you are correct that for $5.89, it doesn’t seem worth it.

  6. Amber Mayhall says:

    I was also screwed over by Ingo. They accepted and cashed my check via mobile deposit, then weeks later sent a letter claiming the check was no good. The check they were referring to was a check sent to me from closing my account with Capital One Bank. Now, if any app I try and use involves Ingo, I’m automatically blocked.

    • Deacon says:

      If you haven’t already, I would try and contact them about it. If they cashed your check, you have a valid claim. If not, you might still have money in your closed account. To find that out you could check with Capital One. I hope you get it sorted out. Thanks for commenting.

  7. Tammy Beltz says:

    I have been trying to talk to someone at Ingo for days. I have tried and tried to reset my password and they never email me anything. Hopefully one of these other places will work. Something really should be done about Ingo. They are everywhere and if you have a problem you’re in a mess.

    • Deacon says:

      You could try to contact them. At the bottom of their main page is a little green message icon. If you click it you can send them a message. I hope you get the help you need to solve your login issues.

  8. Vgg says:

    Money Mart DOES NOT OFFER ONLINE CHECK CASHING.

    • Deacon says:

      Actually, I believe they do. If you go to their website and click on check cashing it will take you to a site where you can cash your check online. That site is still owned by Money Mart.

  9. Kayla says:

    Can you leave a link to that online check cashing for money mart? I went to the site and found nothing.

    • Deacon says:

      You should be able to click on check cashing near the top of the page to get to it. However, if that doesn’t work, check out the site map at the bottom of the page. If you click it there is a link for contacting them to ask directly.

  10. Amy says:

    For Money Mart, when you go to the check cashing store, or any other place on there, you can’t cash a check online. It wants you to locate a store.

    • Deacon says:

      Once you are on that page, look at the bottom of the page. There is a link that says, “The Check Cashing Store”. If you follow it, you can cash your check online.

  11. Jason A says:

    Does the Ingo app cash a cashiers check, or put it onto a prepaid debit card? Also, how soon does it post onto the card? Thanks.

Leave a Reply

Your email address will not be published. Required fields are marked *

Lets connect!

Well Kept Wallet in the press