Home Payments Best 12 Instant Check Cashing App No Verification [2023 Review]

Best 12 Instant Check Cashing App No Verification [2023 Review]

Instant Check Cashing App No Verification

For many reasons, you need an instant check cashing app no verification. An example is the convenience that comes with no having to complete any form of ID verification to convert your check into cash instantly.

Before mobile payment apps became commonplace, people had very limited options when it came to cashing a check instantly with no verification. You’d had to go down to the banks, grocery stores, or worse; wait till weekdays to cash a check. Thankfully, we now have check cashing apps that let you do all of these conveniently and swiftly.

First things first, an instant check cashing app is a feature that enables you to turn your paper check into money in your account, without going to the bank. However, these instant check cashing apps may charge some fees.

Nonetheless, check cashing apps might still want to make sure the check belongs to you. The app will typically be strict with the images of the check you provide, such that even a daint or cancelation might cause it to be rejected.

Instant Check Cashing App No Verification

Instant Check Cashing App No Verification

In this section of the post, I have carefully analyzed and identified 12 different instant check cashing apps that require no verification.

  1. Go2Bank App
  2. INGO Money App
  3. PayPal App
  4. Brink’s Money Prepaid App
  5. Netspend
  6. Venmo App
  7. Green Dot App
  8. Chime App
  9. Cash App
  10. ACE Mobile Loads
  11. Axos Bank Mobile App
  12. Boost Mobile Wallet

The arrangement is in no particular order but the best instant check cashing app no verification makes up the top 10 of this 12-app list. That said, below are the best instant check cashing apps without verification.

1. Go2bank App

The GO2bank app lets you securely and easily deposit checks using your phone and access your money when you want. When you deposit a check using the app, you can receive your money within minutes if you’re okay with a small fee.

However, if you’re willing to wait for about 10 days, you can avoid paying this fee.

How to Use GO2Bank to Cash a Check Instantly:

  1. Log in to the GO2Bank app and tap “Move money.”
  2. Click on “Cash a check.”
  3. Follow the simple steps to take a picture of your check and enter the amount on the check.
  4. You can choose when you want the money in your account.

You also have the option of entering the “GO2get5” code and tapping “Apply” to get a $5 credit for just one time. But you can leave this field blank if you want to.

Get GO2Bank instant check cashing app without verification.

2. INGO Money App

You can also use the Ingo Money app to cash a check and, if your check gets the green light, you can have your money in your bank, prepaid card, PayPal account, Amazon Gift Card, or you can even grab cash from a MoneyGram agent location. Follow the steps below to cash a check with the Ingo Money app:

  1. First, get the app from the App Store or Google Play Store.
  2. Set up your profile and link your debit card, prepaid card, PayPal, and credit card accounts.
  3. Log in and tap Cash a Check.
  4. Snap photos of both sides of your check.
  5. Pick WHEN you want your money.
  6. Decide WHERE you want your money.
  7. Send in your check for review, and you’ll know if it’s approved in just a few minutes.
  8. Choose between getting your money in minutes for a fee or waiting 10 days with no fee.

Get INGO check cashing app – no verification required and cashing is instant.

3. PayPal App

PayPal offers its users a convenient way to send money and cash checks quickly online. If you have a verified PayPal Balance account, you can use the check cashing service in the app.

When you cash a check using PayPal, the money goes into your PayPal Balance account. But keep in mind that you might need to wait 10 days for free access to the money, or pay a fee to get it right away.

Here’s how to cash a check with PayPal:

  1. Open the PayPal app and tap “More” at the bottom.
  2. Select “cash check” and create a PayPal Cash Plus account if you don’t have one.
  3. Enter the check amount, sign it, and take photos of both sides.
  4. Wait for approval, which can take a few minutes to an hour.
  5. After approval, mark the check as “VOID.”
  6. You’ll receive a confirmation when the money is in your Cash Plus account.

PayPal Instant Check Cashing Fees

  • Free if you wait 10 days.
  • 1% fee for payroll and government checks, 5% for others, if you want it right away.
  • Minimum fee is $5.

Get PayPal instant check cashing app no verification.

4. Brink’s Prepaid Money App

Based on INGO mobile check deposit technology, Brink’s Prepaid Money app is easily the best instant check cashing app no verification. It also lets you cash checks instantly without any verification issues.

You can use the Ingo service in the Brink’s Money Mobile Banking app to deposit checks into your Card Account at the Bank. The mobile cash deposit process is similar to that of any other app based on the INGO platform. Just remember, your deposits need Ingo Money’s approval before they’re accepted.

If you want your money faster, you can choose expedited funding. Ingo will check your submitted check and decide within an hour.

If your check is approved, you’ll receive your money in a few minutes, minus the Ingo fee. But like other options mentioned, you can also wait for 10 days without paying any fee.

Here are the check cashing fees:

  • If you’re okay with waiting 10 days to get your money, there’s no fee.
  • If you want your money within minutes (expedited funding):
  • For payroll and government checks with a pre-printed signature, it’s a 2% fee, with a minimum of $5.00.
  • For all other accepted check types, even hand-signed payroll and government checks, it’s a 5% fee, with a minimum of $5.00.

Get Brink’s instant check cashing without verification.

5. Netspend Cash a Check

Welcome to number five on our list – Netspend is a company that helps people millions of people who don’t have a bank account but still need to cash a check immediately.

Netspend allows its users to cash checks online instantly without a regular bank account by moving the money onto a reloadable prepaid card.

You can read the steps below to learn how to deposit your check into Netspend online:

  1. Get the newest Netspend Mobile App on your smartphone.
  2. Pick “Mobile Check Load” from the menu.
  3. Follow the steps to take a picture of your check.

In some cases, you may be able to access your money immediately. However, extra charges may apply.

Get Netspend instant check cashing app—you won’t need verification and cashing is immediate.

6. Venmo App

Venmo is a payment app that enables its users to send money to others directly from their phone.

It’s like sharing money with friends. Venmo also helps its users financially by letting those who qualify to borrow money.

And just like other apps on this list, Venmo helps you cash a check right away without any verification. But first, you’ll need to set up a direct deposit or apply for a Venmo Debit Card before you can cash out checks through the app.

Here’s how you can use Venmo to cash a check:

  1. Get the newest version of the Venmo app.
  2. Tap on your picture or initials to find the “Me” section.
  3. Click on “Manage Balance.”
  4. Select “Cashing a Check.”
  5. If you haven’t, confirm your account details.
  6. Put in the check amount and take photos of the signed check.
  7. Choose how fast you want the money (there might be fees).
  8. Normally, they’ll review the check in under a minute. Sometimes, it could take up to 1.5 hours.
  9. If your check is accepted, you will be asked to write “VOID” on it and upload another photo as proof.
  10. Don’t write “VOID” until they tell you to do so after being told that your check was accepted.
  11. Afterward, you’ll get a confirmation that shows how much money was sent and your Venmo balance.

Cash instant check with Venmo without verification.

7. Green Dot

Green Dot App is yet another instant check cashing app that lets you cash and deposit checks online right away. To use it, you need a Green Dot Prepaid Visa card that you can buy online or at stores.

But there’s a friendly reminder; be careful of the fees when you use this app to cash your checks online. Trust us on this one.

Follow these steps to make a mobile check deposit using the Green Dot app:

  1. Get the Green Dot app from the Google Play Store or Apple App Store on your phone.
  2. Log in to the app.
  3. Pick “Deposit” and then “Deposit a check.”
  4. Check that the check has your name on it. Sign your name on the back and write ‘For mobile deposit only’ below it.
  5. The app will guide you through the rest.

Now, you have to remember, there are some rules for using the mobile check deposit feature on this app:

  • Mobile check deposit cannot be used to make your first deposit to the account
  • Your Green Dot card must be activated.
  • You should have received at least four paychecks or government benefits in the last two months.
  • You should have used your card to buy things at stores in the last month.
  • Your account should be in good standing.

When you deposit a check in your account using the Green Dot app, you might get the money instantly, or it could take up to 5 business days, depending on the bank that made the check.

Cash a check instantly no verification with Green Dot app.

8. Chime App

The Chime app lets people make bank deposits from their smartphones. This is great news, especially for those who don’t have a regular bank account.

Aside from check deposits, users can also access their banking information such as checking and savings accounts information with the Chime app. No muss no fuss.

To put a check in your account using the Chime app:

  1. Check that your name on the check is the same as your Chime Checking Account name.
  2. Sign the back of the check.
  3. Open the Chime app and tap Move Money.
  4. Select Mobile check deposit.
  5. Follow the in-app prompts, which will walk you through the rest of the process.

If you use Chime, your eligibility to use mobile check deposit is based on your direct deposit history.

For instance, you can deposit a check in the app if you’ve received at least $1 from an employer or payroll provider, a gig economy payer, or government payments (SSI benefits apply, but not tax refunds).

Chime accepts direct deposit payments that are automated clearing house (ACH) transfers. And if it’s money from gigs, it also works.

Lastly, note that the mobile check deposit option will automatically be available on your app one business day after you receive your qualifying direct deposit.

Get instant check with Chime mobile app without verification.

9. Cash App

The ever-popular Cash App is also another payment app that gives its users the option of depositing their checks straight to their Cash App balance using its Mobile Check Capture feature.

Cashing a check on Cash App is a fast and convenient way to get your money quickly. All you have to do is:

  1. Open the Cash App on your phone and tap your account balance.
  2. Scroll down and pick Deposit.
  3. Choose Check.
  4. Take pictures of the front and back of your check.
  5. Type in the date and the amount of the check.
  6. After that, you can send the check to Cash App and they’ll notify you if it’s accepted.

But keep in mind that there are some terms and conditions:

  • The check must be yours or shared with someone else.
  • It must be from a U.S. bank and in U.S. dollars.
  • The person who wrote the check should have signed it.
  • The check can’t be too big or too old.
  • You can’t send too many checks in a short time.
  • The check can’t be more than 90 days old.
  • Not previously processed.

Now, when it comes to Cash App limits, note that you can send up to $250 in a week and get up to $1,000 in a month using Cash App. And if you want to send or get more money, you can prove who you are by confirming your identity. When Cash App knows you’re real, you can do up to $1,000 in a month.

Cash App won’t charge you any fees for putting checks into your account. So, get the Cash App check cashing app and cash your mobile check ASAP.

10. ACE Mobile Loads

ACE Mobile Loads, provided by ACE Cash Express through their app, lets you quickly cash checks to your debit or prepaid cards using your mobile device. They make this possible by teaming up with Ingo Money.

Here is how it works. Ingo Money will confirm who you are, sign you up for the service, and review your checks to decide if they can be funded.

You have two choices for how quickly you get your money:

  1. If you select 10-day delayed funding, the bank will add the funds to your card in 10 days if Ingo Money approves, and the check isn’t bounced or unpaid during those 10 days.
  2. If you go for expedited funding, Ingo Money will check if your check is okay within just an hour. If they approve it, the bank will put the money into your card, minus the Ingo fee, in a few minutes.

ACE Mobile Loads app is that once your check gets approved and the money lands on your card, it’s yours to use, even if the check doesn’t clear later on.

Ingo Money will sort out the money with the person who wrote the check. This makes it really useful for depositing checks from people you don’t know well, like payment for services.

Regarding the fees:

  • If you pick 10-day delayed funding, there’s no fee. For expedited funding to an ACE Elite Prepaid Debit Card: 2% of the check amount for pre-printed government and payroll checks with a printed signature, but at least $5. It’s 5% for other types of accepted checks, like hand-signed government and payroll ones, also with a minimum of $5.
  • If you’re using expedited funding to another card: 3% of the check amount for pre-printed government and payroll checks with a printed signature, again with a minimum fee of $5. For other accepted check types, it’s 6%, still with a minimum of $5.

Get ACE mobile check cashing app.

11. Axos Bank Mobile App

With the Axos Bank app, you can easily put your checks into your checking or savings account using your phone. It’s a simple, safe, and free way to do it, whether you’re at home or out and about.

The catch is that you need to have an account with Axos Bank.

There are three easy steps to deposit a check using this app:

  1. Sign the back of your check.
  2. Snap pictures of both sides of your signed check.
  3. Open the Axos mobile app and send in the photos of your check.

Get Axos mobile check app and cash instantly.

12. Boost Mobile Wallet

Boost Mobile Wallet, supported by Boost Mobile, is another app that lets you quickly deposit checks online.

Creating an account doesn’t cost anything, and having a Boost Mobile Wallet Basic account is also free. But, note this- the Plus account comes with a fee.

To set up a Boost Mobile Wallet Basic account, you only need your full name, email, birth date, ZIP code, and mobile number. You don’t have to show extra identification to get started. On the other hand, the Plus account requires your permanent address and Social Security number.

Now, here’s how you can put a check into your Boost Mobile Wallet account:

  1. Log in to Boost Mobile Wallet.
  2. Tap the Menu, then Boost Mobile Wallet Card.
  3. Tap Load at the bottom, then choose Deposit Check.
  4. Take a picture of your check and type in the amount of money.
  5. Decide when you want to get your money: either in minutes for a fee or in 10 days for free.
  6. Confirm the transaction to go ahead.

Now, some people have said they had issues using this app to deposit checks, but we can’t say much about that. It worked well for us, so we suggest you give it a try yourself.

Do Banks Offer Instant Check Cashing with No Verification?

Most major banks nowadays have handy mobile apps that allow customers to deposit checks conveniently from anywhere. These apps let customers put their checks directly into their bank accounts, and the best part is that the money is available right away. This instant access is a big plus for customers.

Using these big bank apps to deposit checks and instantly get the money is just as easy as using the other apps we mentioned earlier. What’s more, your bank will send you a message to confirm that your check has been cashed and the money is in your account.

The only thing you need to keep in mind is that the fees and terms associated with mobile check depositing services vary from bank to bank. So we recommend you get in touch with your bank to know more about this service.

How to Use Instant Check Cashing App No Verification to Cash Out Your Check

The way we handle money is changing quickly, and the future is all about using our phones for payments and deposits. This applies to most apps that let you quickly deposit checks online.

Let’s give you the lowdown on how this stuff usually works:

  1. First, you download the app from the app store on your phone. These apps are usually connected to your bank accounts.
  2. When you’re ready to deposit your check instantly, the next step is to sign the back of your check. Just use your name.
  3. For extra safety, you can write “online deposit only” next to your signature. This is important because once you sign the check, it can be cashed by someone else online. Without verification, others can cash the check instead of you. If this happens, you might be out of luck since online check cashing doesn’t always require in-person verification.
  4. Now comes the part where you take pictures of the front and back of your check using the app for instant online check deposit. Most of the time, the money will be in your account within 1 to 3 business days.
  5. Don’t throw away your physical check until you’re sure the deposit has gone through. Once you have confirmation, you can tear up the check.

Can I Cash Any Type of Check Online Without ID?

So far you have deposited the check electronically, you can cash it online without needing an ID. It works for almost any kind of check you have; personal checks, payroll checks, government checks, refund checks, and more.

This is possible thanks to online check depositing apps or services. They use things like your email, phone number, or even your biometrics (like fingerprints) to confirm it’s you. These services don’t always ask for extra identification documents to prove who you are.

Although some apps might need some information before you start, but not when you’re depositing the check.

It’s also worth noting that certain payday loan companies provide this option as well.

What is the Best Way to Cash a Check Without Verification?

The best way to cash a check without verification is to sell it to someone else. When you do this, the check becomes a third-party check and might not be worth the same as before.

However, that’s okay because it’s still simple to cash a third-party check online.

How to Cash Out a Check?

Cashing a check is something many people do, and there are a few ways to go about it. One common way is to take the check to a bank or credit union. Some stores, like Walmart, also accept checks for purchases and even cash them.

When you hand over the check to the cashier, they’ll look at it to make sure it’s filled out correctly before they do anything with it. How quickly the check gets processed depends on the relationship between the person who wrote the check (the drawer) and their bank. Sometimes, it might take up to two business days.

Another option is to use an ATM or go to the cashier. If you choose the ATM, you’ll need to fill out a deposit slip, put the check and the slip in an envelope, and then deposit it into the machine. Bank staff will later collect the check from the ATM and take care of the processing.

Meanwhile, you also want to know how long a mobile check deposit takes.

Is Cashing a Check on Mobile Instant Online?

Yes. Cashing a check quickly online is now faster than ever if you have a checking account, a prepaid debit card, or some cash. Some places don’t make you wait, and you don’t even need a bank account.

You will find this service offered by many types of places, such as banks, credit unions, stores, and private companies.

And since you don’t have to worry about depositing paper checks anymore, you might not use those old checkbooks, so you’re free to decide on what to do with them.

What Are Some of the Advantages of Instant Check Cashing?

You can skip the usual wait of five or more days for your bank to process the money. Plus, when the money is in your account right away, you can use it without needing to go anywhere.

Once the money is in, you can also easily buy things online from stores that take eChecks. If you’re looking for instant check cashing, there are quite a few options available to you from among the instant check cashing no verification apps we spoke about.

Does INGO Cash Personal Checks?

Yes, you can cash personal checks with INGO. You can also cash paychecks, personal checks, business checks, and even money orders with them. It’s really convenient because you can do this from anywhere, anytime.

All you have to do is; first, create your Ingo Money profile using the app. Then, connect your bank debit card, prepaid card, PayPal account, and credit cards.

When you want to cash a check, just take pictures of the front and back, and send them for review.

If they approve your check and the money is available in your account or used to pay a bill, you can be sure the money is guaranteed to be yours.

Final Thoughts on the Best Instant Check Cashing App No Verification

Technology gets better and better, and that means even more convenient mobile apps that can be used as instant money transfer apps without verification.

All of the instant check cashing apps without verification we’ve explored in this article let you cash your check online right away, without going through the usual verification that banks or credit unions need.

But remember, there are some rules you have to follow to use the mobile check deposit feature on these apps. And most of them will charge you fees depending on how fast you want your money.

Read alsoWhat Banks Use Zelle for Free?

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Written by
Jim Marous

Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Blueopes Finance, writing on a lot of topics regarding payments, banking software, cards, and investing.

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