Online check cashing may sound like a thing of the future, but it is actually an easy way to quickly cash a check without having to make a trip to the bank. Cashing a check online is easier than ever, and these days there are many different places that offer online check cashing. Even if you want to cash a personal check online.

When you cash a check online, you are depositing the money into your account so that it is available for use. Cashing a check online, most commonly through a mobile app, will save you time and sometimes even money. Just keep in mind that if you need actual cash, you will still need to go somewhere where you can physically cash the check and take the money with you. You could also deposit the check online and then get cash next time you go to a store that offers cash back, such as Walmart or CVS.

Included In This Article:

  • How to cash a check online

  • What do I do with the physical check after cashing it online?

  • Online check cashing via banks

  • Online check cashing via apps

  • And More…

How to Cash a Check Online

While cashing a check online may seem difficult, it is actually one of the easiest ways for most people to cash a check without going to a bank, check cashing store, or supermarket. Most places that offer online check cashing simply require you to input your banking information, sign your check, write “For Online Deposit Only” underneath, and then upload pictures of the front and back of the check. Any standard camera phone can take the pictures to deposit a check digitally. The mobile app that you use to deposit the check will give you prompts and easy-to-follow instructions for this process.

After you deposit the check, it will go to a queue for approval. Once approved, if using an app connected to your regular bank, the money will go directly into your bank account. If you’re using an app that’s not associated with a traditional bank (like INGO or NetSpend), the process may be slightly different. Instead of putting money into your bank account, the service will typically hold the money for you so that you can transfer it, or else put the funds on a prepaid debit card. Depending on which service you use to deposit the check, certain fees may apply.

What Do I Do With the Physical Check After Cashing It Online?

Most banks or financial services will instruct you to keep your paper version of the check for at least 14 days, or until you are sure that the correct amount has been deposited into your account. Once you’ve confirmed that the check was correctly deposited, you should shred the paper version. Always be sure to safely destroy the check to avoid security issues with your bank account.

Online Check Cashing via Banks

Many banks offer online check cashing. You may want to consider choosing a bank that allows for this option when you are opening a checking account. Most checking accounts with the following banks will be eligible for online check depositing, but this may not be true of every checking account with that particular bank. Confirm with the bank that the checking account you’re interested in offers this service.

1. Bank of America

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for Android, Apple, and Windows
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type. The monthly limit will be displayed when customers select their deposit account in the Mobile Deposit menu.
  • Processing time: For those in the Eastern and Central time zones, checks deposited by 9 PM ET will be available the following business day. For those in Pacific or Mountain time zones, checks deposited by 8 PM PT will be available the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks, cashier’s checks
  • Learn more on Bank of America’s website.

2. BBVA Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for Android, Apple, Blackberry 10, and Kindle Fire
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type.
  • Processing time: All checks deposited before 8:30 PM will be available the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on BBVA Bank’s website.

3. Chase Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type. Many accounts have a limit of $2,000 per check.
  • Processing time: Checks deposited by 11 PM ET are generally available the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on Chase Bank’s website.

4. Citi Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type.
  • Processing time: Funds will be available within 48 hours.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on Citi Bank’s website.

5. Citizen’s Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: No fees for online deposits, but transaction fees may be incurred.
  • Check cashing limit: Check cashing limits are based on account type. Limits range from $2,000 to $15,000.
  • Processing time: Checks under $200 deposited by 10 PM ET will be available the following business day. Larger checks are subject to longer hold periods.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on the Citizen’s Bank website.

6. Intrust Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: First five deposits per month free; $1 per deposit after the first five each month.
  • Check cashing limit: The limit is $2,500 per check with a cap at $10,000 per day.
  • Processing time: All checks deposited before 8 PM CT will be available the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on Intrust Bank’s website.

7. Key Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: None
  • Check cashing limit: $10,000 every 30 days
  • Processing time: Deposits will be available the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on Key Bank’s website.

8. PNC Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for Apple and Android
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type. Customers can find the limits for their account by selecting “Check Deposit” from the main menu in the PNC Mobile Banking App.
  • Processing time: Checks will be deposited within 48 hours.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on PNC Bank’s website.

9. US Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: $0.50 per check
  • Check cashing limit: Check cashing limits are based on account type.
  • Processing time: Checks deposited before 9 p.m. Central Time should be available as funds the following business day.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on US Bank’s website.

10. Wells Fargo Bank

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for Android, Apple, and Windows
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on account type. Customers can find the limit on their account in the Amount field when making a mobile deposit.
  • Processing time: Funds are available the business day following the day of the deposit.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on Wells Fargo’s website.

Online Check Cashing via Apps

1. INGO Money App

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: No fees if customers are willing to wait up to 10 days for the money to clear the account. Otherwise, payroll and government checks under $500 will incur a $5 fee, while checks over $500 will incur a 1% fee. For personal checks and money orders under $125, a $5 fee will be charged. Any personal check or money order over $125 will cause a 4% fee to be charged against the check.
  • Check cashing limit: Checks must be at least $5 and no more than $2,500
  • Processing time: Immediately or up to 10 days
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks, and money orders can all be deposited via INGO.
  • Learn more on INGO Money’s website.

2. NetSpend App

  • Online/mobile check cashing options available? Yes
  • Does the bank have an app? Yes, for both Android and Apple
  • Account required? Yes
  • Fees: None
  • Check cashing limit: Check cashing limits are based on the customer’s NetSpend plan.
  • Processing time: Money will be on added to the customer’s prepaid debit card within 48 hours.
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks
  • Learn more on NetSpend’s website.

Cash a Check Online: Conclusion

When cashing a check online, be sure to carefully follow the specific institution’s instructions, so you don’t cause a delay in the funds being deposited into your account. Remember that each bank or app will have different processing times and deposit limits, so if you use one of these services, be sure to check the limits for your particular account. With that, you are now ready to get your money faster than ever with online check depositing.