Key Takeaways
- Discover 11 check cashing apps that operate independently of Ingo Money in 2025.
- Learn about each app’s unique features, processing times, and potential fees.
- Find user-friendly options for payroll, personal, and government check deposits.
- Explore apps that offer additional banking features like savings tools, cash advances, bill pay, and investment options.
- Identify which apps support instant check cashing versus standard deposit timeframes.
- Perfect for those looking for low-fee or fee-free mobile banking solutions beyond traditional services.
Introduction
Cashing a check is convenient, especially now!! Ingo Money is a well-known choice for instant check cashing but some prefer a different app with little to no fee or some extra features.
If you’re interested in finding ways to cash a check online instantly without Ingo Money, we have got you covered.
Top 11 Check Cashing Apps That Don’t Use Ingo In 2025
PayPal
Everyone knows PayPal, it’s a go-to name in the world of digital payments. And now it even lets you cash checks right through its app, without Ingo. This happened because of its collaboration with First Century Bank and some nifty mobile deposits. You can easily cash payroll, personal, or government checks with just a few taps on your screen. Once your check gets the green light, the funds are deposited straight into your PayPal balance, ready for you to spend online, send to friends, or transfer to your bank. While there’s usually a quick processing time, keep in mind that instant access might come with a small fee. It’s a secure, speedy, and super convenient option!
Venmo
Venmo is owned by PayPal but it has evolved from just being a simple peer-to-peer payment app to check cashing for select users. It doesn’t rely on Ingo, Venmo has developed its own systems and security measures to ensure checks are verified. You can easily deposit payroll and government checks by taking a photo right in the app. If you choose the instant service fee, your funds are usually available within minutes, or you can wait a few days for free.
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Netspend
Netspend is a convenient prepaid debit card platform that comes complete with its own mobile app that features a check cashing option separate from Ingo. They have their own “Mobile Check Load” system where they can easily take a picture of a check and load the funds straight onto their Netspend card. They use various types of checks, including personal and payroll ones. Depending on your choice, funds can be available in just minutes (for a fee) or within a few business days at no cost. Netspend has gained a strong following among gen-z.
Chime
Chime is a leading neobanks out there. It is super easy for users to deposit checks right through its app with the mobile check deposit feature. Chime doesn’t rely on Ingo for this, but the truth is, they handle check deposits themselves in partnership with their banking allies. All you need to do is snap a photo of your check, and once it clears, the funds go straight into your Chime Spending Account. The whole process is seamless, with no fees or sneaky charges. Chime is perfect for anyone looking to dodge fees and have quick access to their cash.
Cash App
Cash App was created by Block (previously known as Square), and has introduced a new feature called “Mobile Check Capture” for a select group of users. This tool scans checks and has the funds deposited straight into your Cash App balance. Although it’s still being rolled out to everyone, it works independently of Ingo and upholds top-notch security standards. Cash App is already popular for its instant transfers, investment opportunities, and Bitcoin trading, thus making it a versatile app. It’s particularly useful for those who already rely on it for peer-to-peer payments and want to easily deposit checks all in one place.
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Green Dot
You can simply use the “deposit a check” feature to take photos of checks and upload them, which are then processed and loaded onto their Green Dot card. This service offers both standard and instant deposit options. Plus, Green Dot provides retail services like reloading at stores, ATM access, and online bill pay.
Wells Fargo Mobile
Wells Fargo’s mobile banking app is super easy for customers to deposit checks right into their accounts using the “mobile deposit” feature, all without Ingo. All you have to do is snap a picture of the front and back of your endorsed check, and Wells Fargo takes care of the verification and deposit for you. Usually, the funds show up within one business day, but it can vary based on your account history and the size of the deposit. As a full-service bank, Wells Fargo’s app not only lets you cash checks but also offers other important services like bill payments, Zelle transfers, and account alerts.
Varo Bank
Varo is a digital-only bank that makes check cashing easy. Depending on how active your account is, you can see those funds available pretty quickly—sometimes even on the same day! Plus, Varo prides itself on having no hidden fees, offering early direct deposits, and providing handy automated savings tools.
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GoBank
GoBank is part of Green Dot and like its parent, it too provides a mobile check deposit feature that doesn’t rely on Ingo. You have the option to get your money quickly for a small fee or wait a few days for free processing. It’s perfect for freelancers, part-time workers, or anyone looking for quick access to their funds without the fuss of traditional banks or extra verification apps.
Dave
Dave is another fintech app popular for its cash advance features, but it also offers mobile check deposits for users with a Dave Spending Account. This feature works separately from Ingo, and lets you encash checks into your Dave account. The app walks users through the steps of taking a picture and submitting checks for approval. Typically, Dave clears checks within 1 to 2 business days, depending on the check type and amount. Plus, with budgeting tools, alerts for upcoming expenses, and no minimum balance requirements, Dave is more than just a check deposit app.
One Finance
One Finance, or simply “One,” is a digital banking platform that is best for online encashing. The process is super simple: just endorse your check, snap a photo, and hit submit. One takes care of verifying and depositing the funds into your account, usually within a day.
Also Read: 10 Best Apps like Moneylion for Your Next Cash Advance
Conclusion
In 2025, you don’t have to depend on Ingo to cash your checks anymore. Now you have a range of modern apps that provide quick, secure, and flexible deposit options to manage your finances in a simple way!!
