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The Best Check Cashing Apps That Don't Use Ingo

You might be wondering which check cashing apps don't use Ingo. Well, we have brought to you five of them in this article today.
Checking apps no Ingo

 With the advancement of technology in our recent generation now, banking has taken a new steps in satisfying their customers. Banks have made banking easier in a way that even from your home, you can access your bank account from your mobile device.

And more to that, you can access it to send and receive money now from your mobile device 24/7. That is, any day and at any time rather than just working hours as it was before.

Well, another great step is the fact that even if you don't have a bank account, you can still receive money from someone who has a bank account. With Cash Checking, you can receive money from someone who has a bank account and which will permit you to go to the sender's bank and get the cash he signed for you.

And now, check cashing is not just physical, but the mobile platform has also improved that domain. Well, in this article today, we will talk about Check cashing and will also show you some of the best check cashing apps that don't use Ingo to work.

Table of Contents

What Cash Checking Apps Do not Use Ingo?

Well, there are numerous apps that do not use Ingo. And in today's article, we will browse you through just five of them. But before advancing, let's take a look at some key terms.

What are Cash Checking Apps?

Cash Checking is a means of payment that one who has a bank account, offers a signed and fully filled form that will give rights to another person to be able to withdraw an exact amount of money from the bank account.

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And now, Check Cashing Apps are apps that have been put in place to make cash checking easier from our mobile devices. They offer photos, signatures and all approved steps to the bank that another bank account owner has approved a withdrawal of cash from that account.

Well, these apps allow you to deposit checks into a linked bank account, credit card, Paypal accounts, debit, or prepaid cards, Amazon gift cards, and MoneyGram physical locations easily.

What is Ingo?

Well, Ingo, also known as Ingo Money is a mobile app (which also has a webpage), that allows check cashing between banks. They provide a form between platforms, especially online banks so that they can permit check cashing between their users.

Well, Ingo is a Giant in the Instant Check Cashing Domain, and you will see that because some other great platforms like Paypal, Cash App, Venmo, all take Ingo for Check cashing. But the issue here is not which one uses Ingo Money since we are looking for those that don't use Ingo.

Well, why do people run away from Ingo? People do not run away from Ingo. They just look for an alternative, because Ingo has implemented high fees on some users(their fees range from 2 to 5%). And because of this, some people receive a 5% fee which might be just too heavy fro them, and they decide; "Okay, is there not another good platform that can check this cash?"

And today, we are here, and you have opened the right door. Below, you'll see the best five that might also have high fees like Ingo, but also some that won't have it like that.

The Top 5 Check Cashing Apps that Do not use Ingo Money

Here are some of the best check cashing apps that don't use Ingo:

1. Ace Flare Mobile Banking App:

This app offers check cashing and direct deposit services without the need for a bank account. Ace Flare is provided by MetaBank and also offers the same services as a traditional or physical brick building bank, such as check cashing, ATM access, a Visa debit card, and direct deposit.

Nevertheless, Ace Flare is not a Traditional banking mobile app, and their main focus is on Check cashing and not any of the listed things above. Well, these are some of it's features.


  • 2-5% expedited check cashing fee
  • 3.9-star rating on Google Play Store and 2.7-star rating on App Store(not very user friendly on App store)
  • Little or No charges for standard check cashing
  • Fee-free cash withdrawals at about 950 ACE locations in 23 U.S states

2. Brink's Money Prepaid Mobile Banking App:

This app offers mobile check deposit and instant access to funds with a prepaid Mastercard. When  it comes to secured accounts, Brink's Money is one of the most recommended since they offer quality security options compared to the others.

And in many other people's rearrangement, Brink's money is considered as the best.

Some Features

  • Allows fast and easy payment with direct deposits
  • Government and payroll checks have a 2% check cashing fee Meanwhile all other checks have a 5% expedited check cashing fee.
  • 4.3-star rating on Google Play Store
  • Brink’s Money Prepaid points allow you to earn cashback

3. My Bank's Check Cashing

Well, Check cashing started with our traditional banks. And with this option, they know better how check cashing works and what measures to take abut check cashing.

And in this generation where almost all traditional banks do offer online or mobile banking, you can just choose from your bank's mobile payment app and go through your check cashing.

However, not all of them do offer check cashing on mobile apps. But those that offer check cashing on mobile apps are;

  • Wells Fargo
  • Bank of America
  • Charles Schwab
  • Chime
  • Alliant Mobile Deposit
  • Ally Bank
  • Capital One
  • Chase
  • Citibank
  • Citizens Bank
  • Discover
  • Fifth Third Bank
  • Guaranty Bank
  • Huntington Bank
  • Navy Federal Credit Bank
  • PNC
  • TD Bank
  • USAA
  • Union Bank And Trust
  • Wintrust

4. Lodefast Check Cashing App

It is a very easy to use platform and one of the many platforms that don't require Ingo for Mobile Checking of Cash. With it's easy to use platform, right from the homepage you are well directed on how to use the platform for sending and receiving Cash Checks.

Well, to knw more about this app, these are some of the benefits of using this platform for sending and receiving cash checks;

  • It is easy to register and very simple to use(Very User-friendly).
  • You can Cash your check and transfer it to your bank account in just a few minutes
  • It has fees ranging from 3 to 5% for instant exchange for immediate transfer of your funds.
  • The application offers 0% commission if you use the ACH option for ten days.

5. The Check Cashing Store

The Check Cashing Store easily used, is an app that allows you to deposit checks on your smartphone and send the money to a linked Visa, MasterCard, or Discover card(any bank card).

The fees they apply has not been clearly stated in the platform's site maybe because it is not stable, and neither will the customer service really tell you about that. But if you are using this platform, you should expect the fees to range between between 1% and 5%.

Here are some Benefits of The Check Cashing Store:

  • Available at physical storefronts throughout the state
  • 2.6-star rating on the App Store
  • Only available to Florida residents(increases security)

6. GTE Financial Deposit2go

You do not have money to pay for the fees other check cashing platform apply, then GTE Financial Deposit2go is the man for the job. They are an easy to use platform that does not apply any charges for sending and receiving checks.

Some of their Features

  • You can deposit up to $10,000 per day
  • Completely free platform for send and receiving checks for the GTE members.
  • Availability is unchanged since it works and is open 24/7
  • 3.3 star rating on Play Store app and 1.8 rating on the App store.

How to Cash a Check without Ingo

Well, depending on the platform you are using, they will vary in maybe a few things, but will be similar in the same things. And the procedure to send a Check is almost the same on all platforms. Well, these steps are the fundamental steps that you will have to apply.

  1. First of all log into your app or platform
  2. Then locate the Check Cashing tab and enter
  3. After that, you should take the necessary pictures required for cashing checks as they will request
  4. And after that you should follow the steps that follow and complete your procedure to cash checks.

With this method, you are now subject to the basic steps to cash checks on any platforms but they might differ a little but won't change.

Final Thoughts on how to Cash a Check and the Best Cash Checking Apps that Don't require Ingo

Mobile payments have taken a big shift and has advanced recently in all levels. At the traditional bank level, it has advanced; at the mobile banking level, it has improved. And what is sure is that it will keep on improving.

Well, Ingo  is one the the mobile checking apps that is mostly required by some very popular sites like; Paypal, Venmo, Greendot, Truist, American Express, and many others.

And may be because of this, they added their fees to be high, and you might not be able to reach the level of fees they are giving. Or maybe you see the fees to be to high.

Well, in this article we brought out some Ingo Money alternatives or some other check cashing apps that you can cash checks without the need of using Ingo. Review the list above and learn more about the platforms again and choose which one is preferable for you.

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