Cashing a check from your phone is very convenient and may come in handy for many reasons. Some banks don’t offer mobile check deposit, so be sure to check out the best check-cashing apps to find one that works for you.
Check cashing transforms a paper check into usable funds. Usually, they are cashed at physical bank locations or ATMs, however, with new technology, there are many apps that allow you to load checks to an online account, credit card, or debit card.
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Best Check-Cashing Apps
| App | Cost | Best For |
| ACE Flare | 2% to 5% or a flat $5 fee depending on type of check and cash value | A banking alternative |
| Brink’s Money Prepaid Mobile App | 2% to 5% or a flat $5 fee depending on type of check and cash value | Transferring money to family and friends |
| The Check Cashing Store | Fees may apply; contact The Check Cashing Store for details | Transferring money to prepaid cards |
| Ingo Money App | 2% to 5% or a flat $5 fee depending on type of check and cash value | Transferring money to a debit card or Amazon gift card |
| Netspend | 2% to 5% or a flat $5 fee depending on type of check and cash value | Sending money to friends and family |
| PayPal | 1% to 5% fee or flat $5 fee | A banking alternative |
| Western Union Netspend Prepaid Mastercard Mobile | 2% to 5% or a flat $5 fee depending on type of check and cash value | Sending and receiving money from long distances |
Breakdown of Each Check-Cashing App
ACE Flare
ACE Flare is offered by MetaBank and is a nontraditional bank account that has many features that a traditional bank has. These include free ATM withdrawals, direct deposit, and the ability to cash a check with the app.
The standard check-cashing service has no fee. However, expedited requests have a 2% to 5% fee with a $5 minimum charge.
This app is good for those who aren’t looking to bank with a traditional financial institution.
- Google Play
- App Store
Brink’s Money Prepaid Mobile App
You can cash a check through the mobile app onto a prepaid Mastercard. In order to add funds, you can load a check, schedule direct deposit, or transfer money from another bank account. If you want to get your paycheck up to 2 days quicker, you can enroll in direct deposit.
The fees that come with check-cashing are third-party fees, which are subject to change. Expedited services range from 2% to 5% or a $5 flat fee, which does not take into account charges for mobile data.
This app is best if you want to transfer money to your family or friends who have a Netspend account.
- Google Play
- App Store
The Check Cashing Store
Simply by taking a photo of the check and uploading it, this app allows you to make check deposits into your bank account or prepaid card. Additionally, using a Momentum Prepaid Mastercard allows you to track your transactions and your spending habits.
There is no fee schedule available on the website, so I recommend checking with a CSR to find out more details about fees.
This app is best if you want to transfer money onto prepaid cards.
- Google Play
- App Store
Ingro Money App
This app is great for payroll check cashing. A debit, credit, or prepaid card or PayPal account must be linked when you sign up. In order to cash a check, all you have to do is take a picture of it, decide when and where you want the money to deposit, and submit for review.
- $5 or 2% for preprinted payroll and government checks (whichever is higher)
- $5 or 5% for other types of checks and money orders (whichever is higher)
- Preferred pricing plan, available to customers who’ve cashed at least six checks within the last 90 days, offers discounted rates
This app is best if you want to transfer money to a debit card or gift card.
- Google Play
- App Store
Netspend
If you need to reload a Netspend prepaid debit card and don’t want to make a trip to an ATM, this app makes it easy to do so. They offer services such as check-cashing, direct deposit, and the ability to get paychecks up to two days in advance.
2% to 5% of the check amount or a flat $5 fee.
I recommend this app if you want to send money to family and friends with Netspend accounts.
- Google Play
- App Store
PayPal
This app allows you to deposit the funds from a check into your PayPal Cash Plus account, which allows you to manage a balance in your personal account, similar to a normal bank account.
Cash government and payroll checks for a 1% fee or $5 flat fee. All other checks have a 5% or $5 flat fee.
If you want an alternative to a traditional checking account, be sure to check out this app.
- Google Play
- App Store
Western Union Netspend Prepaid Mastercard Mobile
This app gives you access to many features such as direct deposit and cash back rewards. Furthermore, it allows you to send and receive money through WU money transfer.
2% to 5% of the check value or a flat $5 fee to cash checks.
This app is good if you want to send and receive money from long distances.
- Google Play
- App Store
Author’s Verdict
Cashing a check through your mobile phone is a very convenient and easy service, however some banks don’t offer it. If you don’t have access to this service through your financial institution, be sure to check out some of the best check-cashing apps listed here.
In addition, we have a list of bank promotions to get some extra cash in your pockets today. You may also want to check out savings accounts if you want to get started on saving up money.
