11 Best Check-Cashing Apps In 2022 - Instantly + Online

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Looking to cash a check without a bank? Skip the bank lines. Read this guide for the top 9 apps that can cash checks online instantly.

What app is best for cashing a check?Here are the best third-party apps for cashing checks:

  1. Brink's Money Prepaid: Most Secure App
  2. Ingo Money: Most Versatile App
  3. Venmo: Best for ATM Access
  4. PayPal: Most Trusted Cash Checking App
  5. Flare Account®: Best Nontraditional Bank Account
  6. NetSpend®: Best for Global Money Transfers
  7. Chime®: Best for More than Check Cashing
  8. The Check Cashing Store®: Most Simple App
  9. GTE Mobile: Best Free Check Cashing Service

Which of these are you most interested in when using check-cashing apps?

Need to cash a birthday check from your aunt? Or maybe a tax refund, or a security deposit?

Due to "Catch Me If You Can" style fraud, most banks won't cash your check without an account.

Luckily, there are several workarounds if your bank doesn't offer mobile check deposits. Read on for options if you're unbanked or if you just prefer using prepaid cards.

Best Third-Party Apps for Cashing Checks

The apps below let you cash checks instantly using your phone's camera. These range from prepaid card providers to virtual alternatives and traditional checking accounts.

Check cashing apps are handy, but they often have fees and sometimes make you wait for your money. On the other hand, regular bank accounts give you fast access to your cash and come with cool extras. Plus, they're safe and can help you save more in the long run. And guess what? Many banks give you a special bonus when you start a new account. Check out these latest bank promotions.

Bank of AmericaMember FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 05/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
Find Out MoreRead Review
Expires 5/31/2026HSBCMember FDIC

HSBC Premier - Earn Up to $7,000

It's easy. The more you fund, the more you earn. Discover all that Premier can do for you

  • Send and receive money with Zelle® right from our mobile app
  • Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
  • Enjoy peace of mind with unique travel benefits available through our credit cards

Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.

  • Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
  • Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
  • Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
  • Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+

If all offer requirements are met, the bonus will be paid by August 31, 2026.

Find Out MoreRead Review
Expires 3/31/2026Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC
Find Out MoreRead Review
Expires 4/14/2026

Brink's Money Prepaid: Most Secure App

Talk about tight security — Brink's is primarily known for their work in the armored transportation industry, delivering cash to ATMs and banks. They also offer a prepaid debit card and check cashing service using their mobile app.

Mobile Check Load is offered through First Century Bank, N.A. and Ingo Money, Inc.

  • 4.2 stars on Google Play Store | 3.2 stars on App Store.
  • Get paid faster with direct deposit.
  • 2% expedited check cashing fee ($5 minimum) for government and payroll checks.
  • 5% expedited fee ($5 minimum) for all other checks.
  • Earn cash back with Brinks Money Prepaid Points.

Checking Accounts You May LikeChaseMember FDIC

Chase Secure Banking℠ - $125 Bonus

  • New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Click Here to Get $125 CouponExpires 3/27/2026

Ingo Money: Most Versatile App

There's a good reason Ingo is the most popular app in this category.

With Ingo, you can link your bank; prepaid, credit, or debit card; or PayPal account to deposit money. You can even split a check between accounts (for example, 50% to PayPal and 50% to a prepaid card).

You can also qualify for Ingo Gold Preferred Pricing if you cash checks frequently (at least six checks in the last 90 days).

  • 4.4 stars on Google Play Store | 4.1 stars on App Store.
  • $5 fee for payroll or government checks $250 or less (2% for checks over $250).[1]
  • $5 fee for all other checks $100 or less (5% for checks over $100).

Other Offers You May LikeCurrent

Build Credit While You Bank

  • Get Paid Up to 2 Days Faster
  • Build credit and earn points with every swipe
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • No credit check, minimum balance or hidden fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.Click Here to Sign Up

Venmo: Best for ATM Access

You may be surprised to learn that Venmo is more than just a person-to-person payment app. If you sign up for a Venmo Debit Card or direct deposit, you can cash checks inside the app.

  • 3.5 stars on Google Play Store | 4.9 stars on App Store.
  • 1% fee for payroll and government checks; 5% for all other checks, with a $5 minimum fee.[2]
  • No fee for 10-day approval option.
  • Fee-free ATM withdrawals at 30,000+ MoneyPass locations.
  • Earn cash back with Venmo debit Mastercard.

How to cash a check on Venmo:

  1. Download the Venmo app.
  2. Sign up for Venmo Debit Card or set up direct deposit.
  3. Go to the Me tab.
  4. Select "Add Money".
  5. Select "Cash a Check" and follow the prompts.

Other Offers You May LikeChaseMember FDIC

Chase Secure Banking℠ - $125 Bonus

  • New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Click Here to Get $125 CouponExpires 3/27/2026

PayPal: Most Trusted Cash Checking App

PayPal's check cashing service is another option provided through Sunrise Banks and Ingo. But it provides a better fee structure and a more trusted name.

  • 4.3 stars on Google Play Store | 4.8 stars on App Store.
  • 1% fee for payroll and government checks; 5% for all other checks, with a $5 minimum fee.[3]
  • $5,000 maximum check amount.
  • Near-instant approval.

Other Offers You May LikeLili

Free Checking Account for Small Business Owners

  • Sign up in 3 minutes; no credit check
  • No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
  • Automatic Savings
  • Get paid up to 2 days early
  • Savings with up to 4.00% APY
Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDICClick Here to Get Started Other Offers You May LikeChaseMember FDIC

Chase Total Checking® - $400 Bonus

  • New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
  • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
  • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
  • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
  • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Click Here to Open an AccountExpires 4/15/2026

Flare Account®: Best Nontraditional

Provided through Pathward®, N.A. (in partnership with ACE Cash Express and NetSpend®), Flare Account® offers many of the same services you can receive at a traditional bank. These include check cashing, ATM access, a Visa debit card, and direct deposit.

While this is 100% a check-cashing app, it has an Optional Online Savings Account where you can even earn a competitive 6.0% APY on balances under $2,000.[4]

  • 4.2 stars on Google Play Store | 4.8 stars on App Store.
  • Fee-free cash withdrawals at 750 ACE locations in 22 U.S. states.
  • No charge for standard check cashing.
  • 2% - 5% expedited check cashing fee.

Other Offers You May LikeCurrent

Current Savings - Up to 4.00% bonus

Click Here to Learn More
  • 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
  • Simply add money to your Savings Pods and enable the Boost feature.
  • Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
  • Bonuses accumulate daily.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

NetSpend®: Best for Global Money Transfers

Netspend®, provided through First Century Bank and Ingo Money, lets you cash checks via its mobile app. Additionally, customers can utilize their Netspend® Card to send or receive a Western Union Money Transfer to over 200 countries and territories.

  • 4.7 stars on Google Play Store | 4.8 stars on App Store.
  • 2% or $5 fee for payroll or government checks (whichever is greater).
  • 5% or $5 fee for all other checks (whichever is greater).

Chime®: Best for more than check cashing

While check cashing fees are fairly minimal, they add up especially if you find yourself having to cash checks frequently.

As such, Chime® is an option worth considering. Although you are unable to cash your checks on the spot, you don't have to pay anything. And besides, opening an account allows you to do other banking transactions without much hassle.

  • 4.4 stars on Google Play Store | 4.8 stars on App Store.
  • No charge for standard check cashing and most banking transactions.

Deposit a Check Using a Mobile App (No Monthly Fees)

Click Here to Learn More

Mobile check deposits allow you to deposit checks without going to the bank. Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

The Check Cashing Store®: Most Simple App

Nothing could be more straightforward than having a name as The Check Cashing Store®. This no-frills app will enable you to deposit checks on your mobile device and send the money to a linked Visa, Mastercard, or Discover card.

The fee structure is not listed on the company website; it only says it varies by state. As such, you can expect the cost to be between 1% and 5% for each check.

  • 3.3 stars on Google Play Store | 2.4 stars on App Store.
  • Only available to Florida residents.
  • Physical storefront locations available across the state.

Other Offers You May LikeChaseMember FDIC

Chase Secure Banking℠ - $125 Bonus

  • New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Click Here to Get $125 CouponExpires 3/27/2026

GTE Mobile: Best Free Check Cashing Service

If you don't mind a retro-looking app that will bring you back to 2007, GTE Mobile offers fee-free check cashing for members of NCUA-insured GTE Financial.

  • 4.7 stars on Google Play Store | 4.8 stars on App Store.
  • Free check cashing for GTE members.[5]
  • Deposit up to $10,000 per day.

How long are you willing to wait for your funds to be available?

Other Check Cashing Apps to Consider

Given a myriad of options, we have the following honorable mentions:

  1. Cash AppYou can deposit checks at GO2bank™ is Green Dot®'s mobile bank account where you can cash your check instantly for a small fee.

How to Choose Best Check Cashing App

Some things to consider when choosing the best check cashing app include:

  • Reasonable fees
  • Quick processing
  • App security
  • Manageable transaction limits
  • Good customer support
  • Ease of use
  • Reputation for being reliable and trustworthy

Check Cashing Apps Alternatives

Aside from check cashing apps, here are alternatives where you can at least deposit your check, if not cash it instantly.

Retail check cashing servicesPlaces like Walmart, Kroger, or other dedicated check-cashing stores allow you to cash checks for a fee.

Check cashing kiosksSAM Check Cashing self-service machines are conveniently located in many retail shops which can cash certain types of checks, i.e. paychecks, government-issued checks, and money orders.

Mobile banking appsIf you have a bank account, this is a no-brainer option that won't entail an additional cost. However, your funds may only be available after a few days.

FAQS

How do check cashing apps work?Check cashing apps lets you deposit checks by taking photos of them with your smartphone. The funds are usually deposited into your prepaid card or linked account in minutes.

Are check cashing apps safe?In general, check cashing apps are safe. They often use encryption and fraud detection measures to protect your personal information during transactions. Some are even backed by established financial institutions, which adds an extra layer of reliability.

Can you cash a check instantly?Yes, you can cash a check right away, usually for a fee. However, if your check does not clear, your deposit will be reversed. As such, you could face some steep overdraft fees or returned check fees.

Where can I cash a check without verification?The only true way to cash a check with no ID is to sign over a check to another person so they can cash it for you. If you don't have a bank account but willing to present your ID, you can cash it at the bank that printed and issued the check.

What are the check cashing apps without Ingo?If you don't want to use the Ingo Money app, here are some of your options:

  • The Check Cashing Store®
  • Chime®
  • GTE Mobile

Bottom Line

Check cashing apps are a quick and easy way to deposit your check money. If you're unbanked, prefer using prepaid cards, or just like the convenience of a check cashing app, the picks on this list are definitely worth checking out.

Keep in mind, if you need to deposit checks frequently or rely on expedited deposits, be careful of the fees you might incur. Even a modest 1% fee for payroll checks can add up.

Other Offers You May LikeChaseMember FDIC

Chase Total Checking® - $400 Bonus

  • New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
  • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
  • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
  • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
  • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Click Here to Open an AccountExpires 4/15/2026 ChaseMember FDIC

Chase Secure Banking℠ - $125 Bonus

Get $125 CouponExpires 3/27/2026
  • New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Current

Build Credit While You Bank

  • Get Paid Up to 2 Days Faster
  • Build credit and earn points with every swipe
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • No credit check, minimum balance or hidden fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.Sign Up

References

  1. ^ Ingo. Cash Paychecks, Personal Checks, Money Orders & More, Retrieved 07/24/2025
  2. ^ Venmo. Cash a Check FAQ, Retrieved 07/24/2025
  3. ^ PayPal. Take a pic, cash your check., Retrieved 07/24/2025
  4. ^ Flare Account®. Optional Online Savings Account, Retrieved 07/24/2025
  5. ^ GTE Financial. Mobile Deposit, Retrieved 07/24/2025

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