As technology continues to advance, mobile devices have become a popular way to perform a wide range of financial transactions. One such transaction is cashing checks, which has become more convenient thanks to the development of specialized mobile applications. These apps allow users to deposit checks without having to physically visit a bank or an ATM. In this article, we will explore some of the best apps available for cashing checks on Android and iOS platforms, highlighting their features, and discussing their pros and cons.
We have compiled a list of 6 Best Apps For Cashing Checks (Android & iOS) for your consideration, which have undergone rigorous testing and evaluation by our team of experts.
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6 Best Apps For Cashing Checks (Android & iOS)
1. AnytimeCheck
AnytimeCheck provides a one-stop solution for sending and receiving check payments. This service is available for small to medium-sized businesses and simplifies the payment receiving process. The software includes a suite of tools and features for a more reliable payment process.
With advanced software technology, managing the process of receiving check payments becomes more efficient. AnytimeCheck offers a secure gateway to create and process electronic checks, and it is convenient to accept payments online.
The app is linked with the membership, and this service is free for all. Users can get paid by eCheck or pay by eCheck.
To get started, users must create an account by registering with AnytimeCheck.com and then signing in. Once signed in, open the AnytimeCheck app and enter the login details when prompted. This process is available for all AnytimeCheck online users and the app is free to use with any AnytimeCheck account.
2. Alliant Mobile Deposit
The Alliant Mobile Banking App is a tool that users can utilize to manage their finances on the go. The app provides a quick and convenient way to manage banking needs with just a tap of a finger. Existing Alliant Online Banking login credentials can be used to log in or new login credentials can be created directly from the mobile banking app.
The app offers multiple features to users including the ability to deposit checks instantly, securely check account balances and view recent banking activity, view transaction history, including credit card transactions, transfer money between accounts and set up external accounts, report lost or stolen cards, pay monthly bills and set up new payees, find ATMs in the surcharge-free network, create, receive and respond to secure messages, and use a personal financial management tool.
Highlighted mobile app features include fingerprint authentication, balance preview, customization, and built-in help. The app works with devices using Android 5.0+.
Transfer limits depend on the type of account. Checking accounts have no limits on the number of transfers that can be made in a calendar month while savings accounts have a limit of up to six total transfers to another account or a third party in a calendar month. The app ensures security by encrypting all transactional data, and no sensitive account information is stored on the mobile device.
Permissions for the app include location and camera permissions. Location permissions are needed to determine the user’s location to find ATMs, while camera permissions are needed to deposit checks. Some features are only available for eligible members and accounts, and deposit limits and other restrictions apply.
Surcharge-free ATMs include Alliant-owned ATMs and those that are part of the Alliance One, Allpoint, CO-OP Network, Credit Union 24, CU Here, and Publix Presto networks. Transactions at other ATMs may be subject to the ATM owner’s surcharge fee, and not all ATMs accept deposits. All deposits are subject to the Alliant Credit Union’s Funds Availability Policy.
3. Brink’s Money Prepaid
Brink’s Money Prepaid Mobile App is a financial management tool that enables users to manage their funds from anywhere. The app provides an array of features and functions that allow users to access their money quickly and easily. These features include the ability to view transaction history and account balance, send money to friends and family, move funds to and from savings accounts, and locate the closest reload locations.
There is no charge for online or mobile account-to-account transfers between Netspend Cardholders. However, a $4.95 fee is applicable to each transfer conducted through a Netspend Customer Service agent. The app also provides a Mobile Check Load service, which allows users to load checks using mobile image capture. This service is provided by First Century Bank, N.A. and Ingo Money, Inc. Approval review typically takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion.
Approved Money in Minutes transactions funded to the user’s card are subject to fees. Unapproved checks will not be funded to the card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Users’ wireless carriers may charge a fee for message and data usage. Additional transaction fees, costs, terms, and conditions may be associated with tie funding and use of the card. For more information, users should consult their Cardholder Agreement.
4. Ingo Money App – Cash Checks Fast
The Ingo® Money App enables users to cash various types of checks including personal checks, business checks, and paychecks at any time and from any location. The money received can be transferred to bank accounts, prepaid cards, and PayPal accounts within minutes. Moreover, the app allows users to pay bills, split a check, or fund multiple accounts. However, users should note that terms and fees may apply.
To use the Ingo Money App, users need to create a profile in the app and link their bank debit card, prepaid card, PayPal account, and credit cards. To cash a check, users need to take a photo of the front and back of the check and submit it for review. The approval process usually takes 3 to 5 minutes and the money is guaranteed to be available in the user’s account as soon as the check is approved. The app ensures that users do not have to wait in lines, face deposit holds or take-backs, and can access their money anytime and anywhere.
Apart from cashing checks, the Ingo Money App also allows users to pay bills, buy Amazon.com Gift Cards, or split a check and fund multiple accounts. Users can access the app using dozens of mobile banking apps including American Express Serve® and Bluebird by American Express. The app may be used by identity-verified customers to cash checks issued on U.S. financial accounts to fund most debit, prepaid, and credit card accounts issued by hundreds of U.S. financial institutions including Chase®, Bank of America®, Citi®, Wells Fargo®, American Express®, U.S. Bank®, PNC Bank®, and more. Funds may also be used to pay retail credit card bills from thousands of retailers including Walmart®, Target®, Costco®, Home Depot®, Lowe’s®, BestBuy®, Gap® and Old Navy®.
Users should note that the Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to terms and conditions and privacy policy.
5. U.S. Bank
The U.S. Bank Mobile App is an award-winning mobile banking application that allows users to complete their banking needs from almost anywhere. Its features include a fast and secure login process, a simple account dashboard that provides an all-in-one view of finances, personalized financial insights, and a voice assistant (U.S. Bank Smart AssistantTM) that can monitor and manage accounts.
Users can also quickly send and request money or split bills with friends and family using Zelle®, deposit checks from home with increased daily and monthly limits, and pay bills and transfer money between U.S. Bank accounts. Additionally, users can set up travel notifications, activate cards, lock and unlock a card, or report it lost or stolen, and customize notifications to get alerts on deposits, withdrawals, and more.
The app also provides users with access to product information and offers, enabling them to apply for checking and savings accounts, credit cards, loans, and more from within the app. Users can schedule appointments with a banker or get real-time support with Cobrowse, and explore the Help Center for answers to commonly asked questions.
The U.S. Bank Mobile App has been ranked as a leader in the Ease of Use, Customer Service, and Account Opening categories by Javelin Strategy & Research in its 2020 Mobile Banking Scorecard. Linking external accounts provides view-only access to balances and transaction information in accounts held at other financial institutions. However, some financial institutions may limit or block account linking services, and U.S. Bank is not responsible for errors that may result from such limitations.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used under license. U.S. checking or savings account is required to use Zelle®, and requests for money with Zelle® sent to a U.S. mobile number require that the mobile number first be enrolled with Zelle®.
U.S.
6. Western Union NetSpend Prepaid
The Western Union® Netspend® Prepaid Mastercard® mobile app offers users a variety of services, including the ability to send and receive money transfers, load checks using mobile image capture, view account balances, track spending, and find reload locations. However, access to these features is subject to card activation and identity verification. Fees for money transfers vary and will be calculated at the time of the transfer transaction. In addition, fees, terms, and conditions apply to the use of the service and must be agreed to by the user. The optional offer to receive Western Union® money transfers onto the card is not a MetaBank® product or service, and MetaBank does not endorse it.
Mobile Check Load, a service provided by First Century Bank, N.A. and Ingo Money, Inc., is available to users. However, approval review typically takes 3 to 5 minutes and can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to the card, while unapproved checks will not be funded. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Users’ wireless carriers may charge a fee for messages and data usage. Additional transaction fees, costs, terms, and conditions may be associated with the funding and use of the card, and users should consult their Cardholder Agreement for further details.
Fees may be assessed by reload locations and may vary from location to location. The mobile app comes at no charge to users, but their wireless carriers may charge for messages or data. The Western Union® name, logo, and related trademarks and service marks are owned by Western Union Holdings, Inc., and are used with permission. The card is issued by Metabank® Member FDIC, and terms and costs apply.
Global Payments Inc. is the federally registered U.S. service mark of Global Payments Inc.