In today’s fast-paced digital landscape, having quick and reliable access to check cashing services is more important than ever. While Ingo Money has long been a go-to solution for mobile check deposits, many users seek alternatives due to processing delays, fees, or specific bank restrictions. Fortunately, a growing number of fintech and banking apps now offer secure, efficient, and user-friendly check cashing options without relying on Ingo.
Whether you’re looking for fee-free deposits, early paycheck access, or all-in-one digital banking solutions, this list of the top 20 check cashing apps that don’t use Ingo in 2025 will help you find the best option to manage your finances with speed, security, and flexibility.
1. Wells Fargo App
- Google Play Store: 4.8/5 | Apple Store: 4.9/5
Wells Fargo is a reputable check cashing app that provides a wide range of services, including banking, investments, and insurance. With operations in 35 countries and a customer base exceeding 70 million worldwide, Wells Fargo stands as a prominent financial institution.
Key Features:
- Offers personal and business banking services.
- Supports check cashing directly through the app.
- Provides investment and insurance options.
Pros and Cons:
| PROS | CONS |
|---|---|
| Easy-to-meet monthly fee waiver. | The platform has faced reputational damage due to high-profile scandals. |
| Diverse services including personal banking, cash checks, and investments. | Limited presence outside the U.S., which may not be ideal for expats. |
| Extensive network of branches and ATMs in the U.S. | Charges a fee for non-account holders to cash checks. |
Additional Information:
- Price: Free (Basic)
- Downloads: 10M+
- Requires: Android 10.0 and Up, iOS 15.0 and Later
- Size: 30 MB
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2. PayPal
- Google Play Store: 4.7/5 | Apple Store: 4.8/5
PayPal is a household name in digital payments. The app allows users to cash checks directly into their PayPal accounts without relying on Ingo.
Key Features:
- Instant transfers to your PayPal balance.
- Supports check cashing directly through the app.
- Industry-leading security features.
Pros and Cons:
| PROS | CONS |
| Instant transfers for verified users. | Fees for instant cashing services. |
| Widespread merchant acceptance. | Limited personal finance tools compared to some competitors. |
| High-level security features. | Requires PayPal account setup. |
Additional Information:
- Price: Free (Basic)
- Downloads: 100M+
- Requires: Android 9.0 and Up, iOS 14.0 and Later
- Size: 45 MB
3. Venmo
- Google Play Store: 4.6/5 | Apple Store: 4.7/5
Venmo, owned by PayPal, has expanded its services to include check cashing.
Key Features:
- User-friendly interface.
- Seamless integration with bank accounts.
- Social payment features.
Pros and Cons:
| PROS | CONS |
| Easy money transfers between friends. | Fees for instant deposits. |
| Social payment features. | Limited investment features. |
| Supports direct check deposits. | Requires PayPal Cash account for some features. |
Additional Information:
- Price: Free (Basic)
- Downloads: 50M+
- Requires: Android 8.0 and Up, iOS 13.0 and Later
- Size: 32 MB
4. Chime
- Google Play Store: 4.6/5 | Apple Store: 4.8/5
Chime offers check deposit services directly through its app without third-party involvement.
Key Features:
- No hidden fees.
- Fast check processing.
- Early direct deposit access.
Pros and Cons:
| PROS | CONS |
| No monthly maintenance fees. | Limited customer service availability. |
| Early access to direct deposits. | No physical branch locations. |
| Supports mobile check deposits. | Requires Chime Spending Account. |
Additional Information:
- Price: Free (Basic)
- Downloads: 10M+
- Requires: Android 8.0 and Up, iOS 12.0 and Later
- Size: 50 MB
5. Cash App
- Google Play Store: 4.5/5 | Apple Store: 4.7/5
Cash App allows users to deposit checks without the need for Ingo.
Key Features:
- Fast check processing.
- Investment options.
- Bitcoin support.
Pros and Cons:
| PROS | CONS |
| Instant transfers. | Fees for instant cash outs. |
| Investment in stocks and Bitcoin. | Limited traditional banking features. |
| Supports mobile check deposits. | Requires linking a debit card for some features. |
Additional Information:
- Price: Free (Basic)
- Downloads: 50M+
- Requires: Android 9.0 and Up, iOS 14.0 and Later
- Size: 35 MB
6. Netspend
- Google Play Store: 4.4/5 | Apple Store: 4.5/5
Netspend provides check cashing services directly through its mobile app.
Key Features:
- Instant card loading.
- Convenient bill payments.
- Budgeting tools.
Pros and Cons:
| PROS | CONS |
| Instant card funding. | Fees for some services. |
| Supports mobile check deposits. | Limited investment features. |
| Budgeting tools available. | Requires Netspend account. |
Additional Information:
- Price: Free (Basic)
- Downloads: 5M+
- Requires: Android 8.0 and Up, iOS 12.0 and Later
- Size: 25 MB
7. Green Dot
- Google Play Store: 4.2/5 | Apple Store: 4.3/5
Green Dot offers a comprehensive mobile banking experience, including check cashing services.
Key Features:
- Instant cash deposits.
- Cash back rewards on purchases.
- Budgeting tools.
Pros and Cons:
| PROS | CONS |
| Instant deposits available. | Monthly fees apply. |
| Rewards on purchases. | Fees for cash reloads. |
| Budgeting tools available. | Requires Green Dot account. |
Additional Information:
- Price: Free (Basic)
- Downloads: 10M+
- Requires: Android 8.0 and Up, iOS 12.0 and Later
- Size: 40 MB
8. Dave
- Google Play Store: 4.5/5 | Apple Store: 4.6/5
Dave provides a convenient platform for cashing checks and accessing other financial tools.
Key Features:
- Early paycheck access.
- Budgeting tools.
- Cash advances without high fees.
Pros and Cons:
| PROS | CONS |
| Early access to funds. | Membership fee required. |
| No overdraft fees. | Limited investment options. |
| Supports check deposits. | Requires Dave account. |
Additional Information:
- Price: Free (Basic)
- Downloads: 5M+
- Requires: Android 9.0 and Up, iOS 13.0 and Later
- Size: 30 MB
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9. Brinks Money Prepaid
- Google Play Store: 4.3/5 | Apple Store: 4.4/5
Brinks Money Prepaid offers secure check cashing and money management features.
Key Features:
- Instant card funding.
- Bill payment options.
- Financial management tools.
Pros and Cons:
| PROS | CONS |
| Instant deposits. | Fees for some services. |
| Secure transactions. | Requires Brinks account. |
| Supports mobile check deposits. | Limited investment features. |
Additional Information:
- Price: Free (Basic)
- Downloads: 5M+
- Requires: Android 8.0 and Up, iOS 12.0 and Later
- Size: 30 MB
10. Bluebird by American Express
Google Play Store: 4.6/5 | Apple Store: 4.7/5
Bluebird by American Express is a prepaid debit account that provides mobile check deposits without using Ingo.
Key Features:
- Mobile check deposits without Ingo
- No monthly or overdraft fees
- Free direct deposit and bill pay
Pros and Cons:
| PROS | CONS |
|---|---|
| No monthly fees | Cash reload fees at retail locations |
| Free online bill payments | Limited customer service options |
| Mobile check deposit available | Some ATMs may charge withdrawal fees |
Additional Information:
- Price: Free
- Downloads: 5M+
- Requires: Android 8.0 and up, iOS 12.0 or later
- Size: 50 MB
11. Serve by American Express
Google Play Store: 4.5/5 | Apple Store: 4.6/5
Serve is another Amex-backed banking solution that allows check deposits without Ingo.
Key Features:
- Mobile check deposit
- Free direct deposit
- No hidden fees
Pros and Cons:
| PROS | CONS |
|---|---|
| No overdraft or maintenance fees | Reload fees at select locations |
| Easy money transfers | Limited ATM access |
| Free direct deposit | Customer service can be slow |
Additional Information:
- Price: Free
- Downloads: 2M+
- Requires: Android 7.0 and up, iOS 11.0 or later
- Size: 40 MB
12. Fifth Third Momentum Banking
Google Play Store: 4.4/5 | Apple Store: 4.5/5
This banking app enables direct mobile check cashing, offering a seamless experience without Ingo.
Key Features:
- Early paycheck access
- No hidden fees
- Mobile check deposit
Pros and Cons:
| PROS | CONS |
|---|
| Fast check deposits | Only available for Fifth Third Bank account holders |
| No monthly maintenance fees | Limited physical branch locations |
| Early paycheck access | Fees for using non-network ATMs |
Additional Information:
- Price: Free
- Downloads: 1M+
- Requires: Android 7.0 and up, iOS 12.0 or later
- Size: 45 MB
13. SoFi
Google Play Store: 4.7/5 | Apple Store: 4.8/5
SoFi provides a full banking experience, including mobile check deposits without Ingo Money.
Key Features:
- No monthly fees
- Mobile check deposit
- High-yield savings
Pros and Cons:
| PROS | CONS |
|---|
| No hidden fees | No cash deposit option |
| High-interest savings | Customer service can be slow |
| Modern and user-friendly interface | Some advanced features require a premium account |
Additional Information:
- Price: Free
- Downloads: 3M+
- Requires: Android 8.0 and up, iOS 13.0 or later
- Size: 60 MB
14. One Finance
Google Play Store: 4.5/5 | Apple Store: 4.6/5
One Finance allows users to deposit checks without using Ingo while offering helpful budgeting tools.
Key Features:
- No monthly fees
- Mobile check deposit
- Savings and budgeting tools
Pros and Cons:
| PROS | CONS |
|---|
| Easy-to-use interface | Limited ATM access |
| No overdraft fees | No physical branches |
| Automatic savings features | Some features may require a linked direct deposit |
Additional Information:
- Price: Free
- Downloads: 500K+
- Requires: Android 7.0 and up, iOS 11.0 or later
- Size: 50 MB
15. MoneyLion
Google Play Store: 4.6/5 | Apple Store: 4.7/5
MoneyLion is a popular fintech app that provides mobile check deposits without Ingo.
Key Features:
- Mobile check deposit
- Credit-building tools
- Instant cash advances
Pros and Cons:
| PROS | CONS |
|---|---|
| No overdraft fees | Some features require a subscription |
| High approval rate for cash advances | Limited customer support |
| Credit-building tools available | Certain transactions may have processing delays |
Additional Information:
- Price: Free
- Downloads: 5M+
- Requires: Android 7.0 and up, iOS 12.0 or later
- Size: 70 MB
16. Current
Google Play Store: 4.7/5 | Apple Store: 4.8/5
Current provides a modern mobile banking experience with check deposit options.
Key Features:
- Mobile check deposit
- Early paycheck access
- Cash-back rewards
Pros and Cons:
| PROS | CONS |
|---|---|
| No minimum balance requirement | Some features require a premium subscription |
| Instant mobile check deposits | No physical branches |
| Cashback rewards on purchases | ATM withdrawal limits may apply |
Additional Information:
- Price: Free
- Downloads: 10M+
- Requires: Android 8.0 and up, iOS 12.0 or later
- Size: 60 MB
17. Revolut
Google Play Store: 4.6/5 | Apple Store: 4.7/5
Revolut offers international banking and mobile check deposits, bypassing Ingo.
Key Features:
- Multi-currency accounts
- Mobile check deposits
- Cryptocurrency trading
Pros and Cons:
| PROS | CONS |
|---|---|
| No foreign transaction fees | Limited free ATM withdrawals |
| Secure and fast transactions | Customer support can be slow |
| Multi-currency support | Some advanced features require a paid subscription |
Additional Information:
- Price: Free
- Downloads: 15M+
- Requires: Android 7.0 and up, iOS 11.0 or later
- Size: 80 MB
18. Varo Bank
Google Play Store: 4.7/5 | Apple Store: 4.8/5
Varo Bank provides mobile check deposits and digital banking features.
Key Features:
- No overdraft fees
- Mobile check deposits
- High-yield savings
Pros and Cons:
| PROS | CONS |
|---|---|
| No minimum balance required | No cash deposits available |
| Fast check processing | Limited customer service |
| High-yield savings account | ATM withdrawal limits may apply |
Additional Information:
- Price: Free
- Downloads: 10M+
- Requires: Android 8.0 and up, iOS 12.0 or later
- Size: 60 MB
19. Axos Bank
Google Play Store: 4.5/5 | Apple Store: 4.6/5
Axos Bank provides mobile banking with check cashing services.
Key Features:
- Mobile check deposit
- No monthly fees
- ATM fee reimbursements
Pros and Cons:
| PROS | CONS |
|---|---|
| No hidden fees | No physical branches |
| High withdrawal limits | Long deposit processing times |
| ATM fee reimbursements | Some account types require a minimum balance |
Additional Information:
- Price: Free
- Downloads: 2M+
- Requires: Android 7.0 and up, iOS 11.0 or later
- Size: 50 MB
20. Dave
Google Play Store: 4.6/5 | Apple Store: 4.7/5
Dave is a mobile banking app that provides check deposit services without using Ingo.
Key Features:
- No overdraft fees
- Mobile check deposit
- Small cash advances
Pros and Cons:
| PROS | CONS |
|---|---|
| No overdraft fees | Limited customer support |
| Early access to paycheck | Some features require a membership |
| Small cash advances available | No physical branches |
Additional Information:
- Price: Free
- Downloads: 5M+
- Requires: Android 8.0 and up, iOS 12.0 or later
- Size: 55 MB
Finding a check cashing app that doesn’t use Ingo Money can be tricky, but luckily, there are plenty of great alternatives. Whether you’re looking for free check deposits, instant cash access, or extra banking features like savings tools and budgeting, these apps offer a variety of options to fit your needs.
If you want a full-service banking experience, apps like SoFi, Varo Bank, and MoneyLion not only let you cash checks but also provide credit-building tools, early paycheck access, and no overdraft fees. On the other hand, prepaid options like Bluebird and Serve by American Express are great for those who want a simple, fee-free way to manage money. If you’re into modern fintech, apps like Revolut and Current stand out with features like crypto trading, cashback rewards, and AI-powered budgeting.
Why These Apps Stand Out
- Skip the Bank Lines – Deposit checks from anywhere using just your phone.
- Save on Fees – Many of these apps offer free or low-cost check deposits, unlike some services that charge high processing fees.
- Get Paid Faster – Some apps approve deposits instantly, while others give early access to direct deposits so you’re never stuck waiting for your money.
At the end of the day, the best app for you depends on how quickly you need access to funds, whether you want extra banking features, and how much you’re willing to pay in fees (if any). With so many options available, you can find a check cashing app that fits your lifestyle and financial goals—without relying on Ingo Money.
Key Takeaways:
Convenience – These apps let you deposit checks directly from your phone, eliminating the need for physical bank visits.
Lower Fees – Many of these apps charge little to no fees for check deposits, making them cost-effective alternatives to Ingo Money.
Faster Access to Funds – Some apps provide instant check deposit approvals, while others offer early direct deposit options to get your money sooner.
Additional Features – Many of these apps offer cashback, investment tools, overdraft protection, and budgeting features, giving you more than just check cashing services.
At the end of the day, the best app for you depends on how quickly you need access to funds, whether you want extra banking features, and how much you’re willing to pay in fees (if any). With so many options available, you can find a check cashing app that fits your lifestyle and financial goals—without relying on Ingo Money.
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Final Thought
As the financial industry continues to evolve, mobile banking and check cashing apps That Don’t Use Ingo are becoming smarter, faster, and more convenient. If you’re looking for a hassle-free way to cash checks without Ingo Money, any of these 20 apps will serve you well. 🚀
💡 Pro Tip: Before choosing an app, check the deposit processing times, fees, and additional features to find the best fit for your financial needs. Happy banking!
