Best 20 Check Cashing Apps that Don’t Use Ingo in 2025

Want to access and cash checks quickly and securely?  Ingo Money has long been a go-to player in mobile check deposit services, but many users want some other alternatives that offer more flexibility, lower fees, or simply don’t rely on Ingo at all. There are plenty of check cashing apps that don’t use Ingo and allow instant access to funds for government-issued checks, payroll checks, or even birthday checks. Let’s go through today’s article on “Best 20 Check Cashing Apps that Don’t Use Ingo in 2025”.

#1 Cash App – Check Cashing Apps that Don’t Use Ingo

Rating: 4.7/5
Available on: Apple Store, Google Play
Downloads: 50M+
Subscription: No subscription fee; optional Cash Card (free to order)
Unique Feature: Peer-to-peer payments combined with direct deposit and mobile check deposit via a modern UI

Pros:

• Supports mobile check deposits for government-issued checks, payroll checks, and tax refund checks.
• Instant access to funds via Cash App balance once check is approved.
• Can deposit to a prepaid debit card (Cash Card) or linked bank account.
• No minimum balance requirements.
• Offers ATM access and peer payment capabilities in one app.
• Suitable for unbanked or underbanked users looking for efficient financial tools.

Cons:

• Mobile Check Capture is not available for all users; still being rolled out.
• Some checks may require manual review and approval, delaying access.
• Limited check types supported (e.g., personal or third-party checks may not be accepted).
• Deposit limits and monthly funding limits apply.
• No support for international checks or larger business checks.

#2 Chime – Check Cashing Apps that Don’t Use Ingo

Rating: 4.8/5
Available on: Apple Store, Google Play
Downloads: 20M+
Subscription: No subscription; banking services provided by The Bancorp Bank or Stride Bank
Unique Feature: Real-time Mobile Check Deposit Feature through Chime’s SpotMe and mobile banking solution

Pros:

• Allows mobile check deposits for government, payroll, and tax refund checks.
• Offers faster access to funds via direct deposit (up to 2 days early).
• Comes with a Chime Visa Debit Card for convenient usage.
• No overdraft fees, monthly fees, or minimum opening deposit.
• Built for digital banking and mobile-first users.

Cons:

• Mobile check deposit only available to users with direct deposits.
• Delays possible during review for approval.
• Not suitable for depositing business checks or third-party checks.
• Inconsistencies in check images may delay processing.
• No support for international checks or credit card checks.

#3 Zelle – Check Cashing Apps that Don’t Use Ingo

Rating: 4.6/5
Available on: Apple Store, Google Play
Downloads: 10M+
Subscription: Free
Unique Feature: Real-time peer payment platform integrated with over 100+ national banks

Pros:

• Seamlessly works with traditional bank accounts and apps like Bank of America, Chase, Wells Fargo, etc.
• No fees for transferring or receiving money.
• Often used to send or receive funds post-check cashing from another bank’s deposit.
• Instant access for eligible transactions.

Cons:

• No mobile check deposit feature built-in.
• Users must use their linked bank’s app to deposit checks first.
• Not a standalone check cashing solution.
• Not suitable for unbanked users.
• Doesn’t provide mobile banking tools like account balance, check deposit history, etc.

#4 Wells Fargo App – Check Cashing Apps that Don’t Use Ingo

Rating: 4.7/5
Available on: Apple Store, Google Play
Downloads: 10M+
Subscription: No subscription; requires Wells Fargo account
Unique Feature: Mobile Check Capture with option to deposit multiple types of checks directly

Pros:

• Supports personal, business, payroll, and government checks.
• Built-in Mobile Check Deposit Feature with ability to deposit via mobile device.
• Access to ATM, bank branch, and digital wallets.
• Banking services include overdraft protection and Chase Overdraft Assist alternative.
• Clear fee structure with tiered checking accounts.

Cons:

• Funds availability may take 1-2 business days, longer for larger checks.
• Requires traditional bank account and often minimum daily balance.
• May decline checks due to insufficient verification data or check image issues.
• Overdraft fees apply unless enrolled in optional protections.
• Complex app navigation compared to fintech competitors.

#5 Chase App – Check Cashing Apps that Don’t Use Ingo

Rating: 4.8/5
Available on: Apple Store, Google Play
Downloads: 10M+
Subscription: No subscription; requires Chase account
Unique Feature: Chase Secure Banking with built-in mobile check deposits and fee transparency

Pros:

• Offers mobile deposit checks for a wide range of check types including birthday checks, rebate checks, and attorney checks.
• Direct integration with Chase Total Checking and business checking accounts.
• Real-time check availability for eligible users.
• Supports mobile banking, peer payments, and full banking transactions.
• Chase Overdraft Assist helps avoid surprise fees.

Cons:

• Requires physical bank visit for setup or certain issues.
• May hold funds for new customers or large deposits.
• Fees apply for non-account holders or certain check types.
• Not suitable for unbanked users or those without access to traditional banking methods.
• Monthly maintenance fees if balance or deposit minimums not met.

#6 US Bank App – Check Cashing Apps That Don’t Use Ingo

Rating: 4.7/5
Available on: Apple Store, Google Play
Downloads: 5M+
Subscription: No subscription; requires U.S. Bank account
Unique Feature: Built-in Mobile Check Deposit for various check types with same-day credit on business days if submitted early

Pros:

• Supports mobile check deposits for government checks, payroll checks, personal checks, and business checks
• Offers access to bank accounts, debit cards, and ATM services
• Quick access to funds for eligible checks (can be same-day if submitted before cutoff)
• Includes other digital banking tools and mobile banking solution for managing transactions
• Integration with Zelle for peer payments

Cons:

• Funds availability may be delayed for larger checks or third-party checks
• Requires a U.S. Bank account, not ideal for non-account holders
• Manual review may be triggered for check image inconsistencies
• Overdraft fees apply unless using overdraft protection
• No instant check deposits like fintech apps (e.g., Cash App or Chime)

 

#7 PNC Bank App – Check Cashing Apps That Don’t Use Ingo

Rating: 4.6/5
Available on: Apple Store, Google Play
Downloads: 5M+
Subscription: No subscription; requires PNC account
Unique Feature: Mobile Deposit with integrated Virtual Wallet® to manage check funds distribution

Pros:

• Allows deposit checks including government-issued, business, and personal checks
• Features PNC SmartAccess Prepaid Debit Card for instant fund use after clearing
• Mobile banking features include real-time balance, peer transfers, and budgeting
• Offers check cashing for approval directly within the app, without third-party tools
• Access to physical bank locations as well as digital banking services

Cons:

• Instant access not always available; clearing may take 1-2 business days
• Requires minimum deposit to open some accounts
• Certain check types (like credit card checks or third-party checks) may be restricted
• Monthly maintenance fees on some accounts without meeting balance/activity requirements
• Not suitable for unbanked users or those without PNC relationship

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#8 TD Bank App – Check Cashing Apps That Don’t Use Ingo

Rating: 4.5/5
Available on: Apple Store, Google Play
Downloads: 1M+
Subscription: No subscription; TD Bank account required
Unique Feature: TD Mobile Deposit with 24/7 check upload and next-business-day availability

Pros:

• Supports mobile deposits of paper checks, government checks, payroll checks, and rebate checks
• Offers faster access to eligible check types based on account history and check image verification
• Full mobile banking features including debit card management and peer transfers
• ATM and branch access available for backup
• TD relationship clients may have access to expedited services

Cons:

• Third-party check deposits typically not accepted
• Check image inconsistencies can lead to delays or rejections
• Manual review required for high-value or questionable checks
• Overdraft fees apply unless covered
• Not a strong option for unbanked or digital-only users

#9 Santander Mobile Banking App – Check Cashing Apps That Don’t Use Ingo

Rating: 4.4/5
Available on: Apple Store, Google Play
Downloads: 1M+
Subscription: No subscription; requires Santander account
Unique Feature: Mobile Check Deposit with user-defined deposit limits and check hold policies

Pros:

• Deposits supported for most check types including tax refund checks, birthday checks, and government checks
• Mobile check feature enables submission via mobile device anytime
• Direct deposits supported for quick paycheck access
• Access to both digital banking tools and physical bank branches
• App shows review for approval status for deposited checks

Cons:

• Funds from checks may not be available for 1–2 business days or longer
• Not ideal for users without a Santander relationship or business checking account
• Rebate or credit card checks not consistently accepted
• No instant deposit like fintech competitors
• Limited app functionality compared to newer digital banks

#10 Brinks Money Prepaid – Check Cashing Apps That Don’t Use Ingo

Rating: 4.3/5
Available on: Apple Store, Google Play
Downloads: 1M+
Subscription: Optional Monthly Plan ($9.95/month) or Pay-As-You-Go
Unique Feature: Combines prepaid debit card with mobile check deposit, ATM access, and direct deposit

Pros:

• Accepts multiple types of checks including government-issued, payroll, and personal checks
• Prepaid card allows easy use of deposited funds with no bank account required
• Includes fee-free direct deposit for tax refunds or paychecks
• Efficient check deposit using a mobile device through the app
• Great for unbanked users or those looking for an alternative to traditional banking

Cons:

• Uses Ingo Money for check deposits (in some cases); may trigger fees for instant access
• Deposit limits and review delays for certain checks
• Additional fees for ATM withdrawals, balance inquiries, or card replacements
• Inconsistencies in check images can delay approval
• Credit check or credit card checks not accepted

#11 Stash – Check Cashing Apps That Don’t Use Ingo

Rating: 4.2/5
Available on: Apple Store, Google Play
Downloads: 5M+
Subscription: Stash Growth – $3/month, Stash+ – $9/month
Unique Feature: Investment and banking in one app, with Mobile Check Deposit through Green Dot Bank

Pros:

• Offers mobile deposits via Green Dot Bank, allowing deposit of government-issued, personal, and payroll checks
• Integrated fractional shares investing alongside checking
• No minimum opening deposit required for Stash accounts
• Includes financial tools for budgeting and investing
• Access to Direct Mastercard® and peer payments

Cons:

• Uses Green Dot’s mobile check feature, which may use Ingo Money for instant deposits (fees apply)
• Not suitable for international checks or third-party check cashing
• Manual review delays can occur for check image inconsistencies
• Fee structure not ideal for low-volume users
• Cash deposits not widely supported

#12 NetSpend – Check Cashing Apps That Don’t Use Ingo

Rating: 4.3/5
Available on: Apple Store, Google Play
Downloads: 10M+
Subscription: No monthly fee with pay-as-you-go; optional plans up to $9.95/month
Unique Feature: Mobile Check Load feature for prepaid debit cards, with expedited service options

Pros:

• Deposit government checks, payroll checks, and tax refunds using your mobile device
• Offers instant access to funds if you pay fees or wait 10 days for free access
• Built for unbanked users – no traditional bank account required
• ATM access, mobile banking, and peer payments supported
• Funds available via prepaid Mastercard

Cons:

• Ingo Money Inc. is used for check cashing, especially for instant service (fees apply)
• No support for international checks or credit card checks
• Sole discretion for rejecting deposits due to check verification data
• Deposit limits and monthly funding limits in place
• No investment options or traditional savings accounts

#13 EarnIn – Check Cashing Apps That Don’t Use Ingo

Rating: 4.6/5
Available on: Apple Store, Google Play
Downloads: 10M+
Subscription: No subscription; optional tips (voluntary)
Unique Feature: Cash Advance based on earnings, not typical check cashing

Pros:

• Offers instant deposits from your paycheck before payday
• Doesn’t rely on Ingo for mobile check deposits – based on work hours tracked
• Provides faster access to funds than waiting for a payroll check to clear
• No mandatory fees or interest – tip-based model
• Includes Balance Shield, financial management tools, and bank integration

Cons:

• Not a traditional mobile check deposit app – doesn’t accept paper checks, government checks, or business checks
• Requires linked employer and timesheet data
• Direct deposits must be routed through EarnIn for access
• No deposit checks or check image uploads – not suitable for check-based users
• Daily and pay period limits apply to cash outs

#14 Lili Banking – Check Cashing Apps That Don’t Use Ingo

Rating: 4.7/5
Available on: Apple Store, Google Play
Downloads: 500K+
Subscription: Free basic plan; Lili Pro – $9/month
Unique Feature: Tailored for freelancers and business checking accounts with mobile check deposit

Pros:

• Supports mobile check capture for business checks, personal checks, and tax refund checks
• Provides instant check deposits after approval (timing varies)
• Includes expense tracking, tax tools, and debit card usage
• No minimum balance requirements
• Fully digital bank with no physical bank visits required

Cons:

• Check funds availability not always instant; manual review may occur
• Check types like third-party or international checks often rejected
• Daily and monthly deposit limits based on account age and use
• Not suitable for non-business users looking for basic banking
• ATM access limited to in-network machines

#15 Axos Bank – Check Cashing Apps That Don’t Use Ingo

Rating: 4.5/5
Available on: Apple Store, Google Play
Downloads: 1M+
Subscription: No subscription; account required
Unique Feature: Full-service digital bank offering mobile check deposit with fee-free checking

Pros:

• Accepts most check types including government-issued, personal, and payroll checks
• Offers real-time check submission with next-day availability in many cases
• No monthly maintenance fees or minimum deposit on basic checking
• Includes financial technology company perks: interest-bearing accounts, early direct deposit
• ATM fee reimbursements and debit card features included

Cons:

• Mobile deposit limits for new users or low activity accounts
• Delays may occur for larger checks or third-party checks
• Requires good check image quality or subject to review for approval
• Not ideal for cash-based users (no branches)
• Some services restricted to U.S.-based customers only

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#16 ACE Flare – Check Cashing Apps That Don’t Use Ingo

Rating: 4.3/5
Available on: Apple Store, Google Play
Downloads: 1M+
Subscription: No subscription required; pay-as-you-go fees apply
Unique Feature: Mobile Check Capture with Netspend prepaid card integration

Pros:

• Offers mobile check deposits via Mobile Check Capture through Netspend
• Supports government-issued checks, payroll checks, tax refunds, and personal checks
• Prepaid debit card usage with ATM access
• Includes optional expedited service for money in minutes (fees apply)
• Great for unbanked users and those avoiding traditional banks

Cons:

• Ingo Money is used for expedited check clearing
• Fees for check cashing can be high (up to 5% for instant access)
• Check types like third-party or international checks are often denied
• Not a full banking solution—limited investment options
• Daily and monthly deposit limits enforced

#17 GTE Financial – Check Cashing Apps That Don’t Use Ingo

Rating: 4.6/5
Available on: Apple Store, Google Play
Downloads: 100K+
Subscription: No subscription; free with GTE account
Unique Feature: Full-service credit union with Mobile Deposit support

Pros:

• Accepts most check types including birthday checks, tax refund checks, and business checks
• Offers mobile check deposit and direct deposits into checking or savings
• Low or no overdraft fees and minimum balance requirements
• Mobile banking solution with full access to financial management tools
• Reliable for government checks and rebate checks

Cons:

• Membership required—limited to eligible regions or groups
• Mobile deposits are subject to review for approval, especially larger checks
• No support for third-party checks or international checks
• Physical check cashing requires branch visit for certain exceptions
• Slower funds availability for new users

#18 Guaranty Bank – Check Cashing Apps That Don’t Use Ingo

Rating: 3.9/5
Available on: Apple Store, Google Play
Downloads: 50K+
Subscription: None
Unique Feature: Regional bank offering Mobile Check Deposit through its own app

Pros:

• Accepts paper checks including government, personal, and payroll checks
• Access to traditional banking services with digital banking support
• Option to visit physical bank locations for high-value deposits
• Secure Mobile Check Feature for check scanning and submission

Cons:

• Slower processing time for check image inconsistencies
• Limited mobile banking features compared to national apps
• Requires account with minimum balance
• Not built for instant online check processing
• No support for international or third-party checks

#19 The Check Cashing Store – Check Cashing Apps That Don’t Use Ingo

Rating: 4.1/5
Available on: Apple Store, Google Play
Downloads: 100K+
Subscription: No subscription; transaction-based fees
Unique Feature: Dedicated check cashing mobile app with in-store and app-based services

Pros:

• Specializes in cash checks of all kinds, including government-issued, attorney, and business checks
• Supports mobile check deposit via app with quick access options
• Offers ATM access, prepaid debit cards, and peer payments
• Designed for non-account holders looking to cash physical checks
• Can provide funds in minutes after manual review

Cons:

• Often relies on third-party services like Ingo Money for expedited funding (fees apply)
• Not a banking service provider—no savings or checking account features
• High fees for check cashing, especially larger checks
• Check image issues may cause delays or denials
• Not FDIC-insured or intended for long-term money management

#20 Anytime Deposit – Check Cashing Apps That Don’t Use Ingo

Rating: 4.2/5
Available on: Integrated within various banking apps (e.g., Brinks, ACE Flare)
Downloads: N/A (dependent on host apps)
Subscription: No direct subscription; available through prepaid providers
Unique Feature: Shared mobile deposit feature available across multiple prepaid card apps

Pros:

• Allows check funds to be deposited with mobile device using photo capture
• Common in financial technology company apps like Brinks, ACE Flare, and NetSpend
• Supports variety of check types including credit card checks, rebate checks, and payroll
• Offers faster access if users accept fees, or free deposit in 10 days
• Can be used across apps that serve unbanked or underbanked users

Cons:

• Ingo Money Inc. powers the feature behind most versions of the tool
• Fees can be high for instant deposits
• Inconsistencies in check images often cause rejections
• May reject third-party or international checks outright
• Deposit limits, review for approval, and sole discretion of acceptance

Conclusion

Hope you enjoyed our list of top 20 “Check Cashing Apps That Don’t Use Ingo” in 2025. 

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FAQs

Where can I cash a check instantly without INGO?

Try checking our list of top 20 check cashing apps that don’t use Ingo that offer their proprietary instant check cashing services, such as Cash App, Chime, Zelle, or Wells Fargo App, which might provide immediate access to your funds, depending on your transaction history and account status.

What app can I deposit a check and get it instantly?

There are many checking cashing apps that don’t use Ingo, such as:

• Cash App
• Chime
• Zelle
• Wells Fargo App
• Chase App
• US Bank App

Where can I cash a check that doesn’t use Certegy?

If you wish to avoid using Certegy, consider visiting banks or credit unions with which you have an account, as they might cash your check directly. Additionally, some local grocery stores or retail chains offer cash checking services independently, bypassing Certegy. Always be sure to check with the particular service provider for their requirements.

Does GO2bank cash checks instantly?

The availability of instant check cashing at GO2bank might depend on a variety of factors, such as account history and the nature of the check. They typically charge a fee for instant access, but offer a no-fee option that may take a few business days to process. Always review their terms to understand the full availability of their services.