A mobile application used for sending and receiving money is called a cashing app. Everyone can create a free account that will verify by customer support. Then you will be able to send or receive money instantly.
There are many apps to send your money. If your bank doesn’t offer mobile cheque payment, use the best check-cash app around. They provide all the features that a reliable banking app offers, including mobile checks. We compared the best cashing apps for banks that provide current mobile accounts to find the one that suits you best.
Do You Need A Bank Account For A Cash App?
No, not at all. You don’t need a traditional bank account for a Cash App.The requirement is as simple as signing up for a simple account.
Requirements for Cash Apps
- Smartphone
- Phone Number
- Email ID
Customer support will verify you solely through your phone number and email address promptly. There are many best cashing apps in 2021. Let’s discuss them one by one.
Best Cashing App
1. Ingo Money
Ingo Money is the most popular app in the list of cash apps. The application is reliable to check any cash you want. It processes Business checks, cashed paychecks, and personal checks. You have to link one of your debit card, PayPal account, credit card, or prepaid card in your user profile.
How it works
- Just sign in and tap on the “cash a check” button
- Upload the photo of your front and back check
- Choose the time when you want money
- Choose the time where you want money
- Submit the information for review
Cost
- There will be no fee. You wait ten days for cash withdrawal
- For pre-printed payroll and government checks, the fee will be $5 or 2%
- For the other types of checks and money orders, the fee will be $5 or 5%
- Special Plan to the regular customer who’ve cashed at least 06 checks within the last 90 days
Download Ingo money: Google Play and the App Store
2. ACE Flare
The application works similarly to a traditional banking account. For a person who doesn’t want to use a conventional bank account, then ACE Flare will be an excellent cash check option. The company provides a lot of spots for free ATM cash withdrawals.
How it works
- Just sign in to the application
- Scan your check
- Your check will convert into digital form
- You do not need to put any check information manually
- Submit the information for review
Cost
- There is no charge for the standard check-cashing service
- For quick cash requests, it will charge a 2% to 5% fee with a $5 minimum charge
Download ACE Flare: Google Play and the App Store
3. Deposit2GO
Deposit2GO is one of the old-fashioned Cash apps with more than five years of history to facilitate people. The application is reliable to provide a check-cashing feature. People who used this app don’t want to substitute it with anything new.
How it works
- Just sign in to the application
- Enter a deposit amount
- Capture a front image of your check
- Endorse Capture a back image of your check
- Submit the information for review
Cost
- The Deposit2GO does not charge any fee.
Download Deposit2GO: Google Play and the App Store
4. The Check Cashing Store
The application is most widely used to cash checks quickly. The application offers you to directly check deposits to your account or any prepaid card options. The additional feature of this cash app is you can check the spending habit history. The application works with many famous cards, i.e., MasterCard, Visa, and so on. The interface of this application is not so easy. You have to review every option before any transaction thoroughly.
How it works
- Just sign in to the application
- Upload photos of your front and back check
- Choose the deposit option, bank account, or debit/credit card
- Submit the information for review
Cost
- 2% and 3% for a payroll or government check
Download The Check Cashing Store: Google Play and the App Store
5. Netspend
The application is relatively easy to use. It can reload a Netspend prepaid debit credit without stopping at an ATM. The application offers the best check cashing service among all other apps on this list. The best feature is it works automatically. You need to scan. You can also direct deposit the check and receive a paycheck within two days.
How it works
- Just sign in to the application
- Scan your check front and back
- The application will automatically fill in all the necessary information
- Submit the information for review
Cost
- Standard tax amount on other apps or flat $5
- 2% and 5% for payroll or government checks
Download Netspend: Google Play and the App Store
6. Brink’s Money Prepaid
The application helps you to manage your money. You can easily send your payments to your friends and family. You can also check your history of transactions and can transfer money from one card to another. The app working is similar to the Ingo app.
How it works
- Just sign in and tap on the “cash a check” button
- Upload the photo of your front and back check
- Choose the time when you want money
- Choose the time where you want money
- Submit the information for review
Cost
- There will be no fee if you wait ten days for cash withdrawal
- For pre-printed payroll and government checks, the fee will be $5 or 2%.
- For the other types of checks and money orders, the fee will be $5 or 5%
- Special Plan to the regular customer who’ve cashed at least 06 checks within the last 90 days
Download Brink’s Money Prepaid: Google Play and the App Store
7. Betterment
Betterment is a multi-functional cash management app. The application is user-friendly. It takes all your detail on a single page and keeps the history of all your expenses. You can check all your details within a second.
How it works
- Just sign in to the application
- Scan your check front and back
- Filled all the necessary information on a single page
- Submit the information for review
Cost
- Sometimes an ATM charges a fee
- You can get FDIC insured up to $250 thousand
- The initial deposit is $10
Download Betterment: Google Play and the App Store
8. PayPal
PayPal is a very famous cash app. The application allows you to send and receive money all around the world. The app is user-friendly and easy to operate. The application has a check-cashing feature to deposit checks in PayPal Cash Plus account. The app takes 2-3 days to process your payment.
How it works
- Just sign in to the application
- Scan your check front and back
- filled all the necessary information
- Submit the information for review
- $1000 is the daily limit
Cost
- For pre-printed payroll and government checks, the fee will be $5 or 1%
- For the other types of checks and money orders, the fee will be $5 or 5%
Download PayPal: Google Play and the App Store
Other peer-to-peer payment apps allow users to connect credit cards for payments, which can help if there is not enough money in your bank account or the app’s account. Otherwise, all the apps listed above have an intuitive and easy-to-use mobile app that allows you to cash a check without any problems. Most person-to-person payments are free, whether you use a credit card, debit card, or any other type of payment card.
The Bottom Line
To put the story into a nutshell. There are many apps for cashing checks, as mentioned above. But ingo is one of the best applications that save your time. So be smart and choose the right one according to your choice. Some banks have their checks-cashing apps, but you can also use independent apps if you want. The features these apps bring are very similar to traditional bank accounts, such as cash a check in the app. Some of them allow you to deposit the check directly into your bank account or prepaid card by simply taking a photo of your check and uploading it to the apps.
