27 Mobile Check Cashing Apps for Prepaid Card Loading & Bank Deposits

Most banks offer a mobile check cashing app for account holders. If you don’t have a bank account, there are several mobile check cashing apps that can transfer a deposit into a PayPal account or load it onto a prepaid card.

Below, we detail the fees, limits, and other details for each mobile check cashing app.

What We Recommend

If you have a bank account, your bank will most likely offer a mobile check cashing app that is free to add to an Android or iOS device and offers free mobile check cashing.

Without a bank account, you’ll want to consider the check cashing app’s deposit options, processing time, and fees.

Ingo Money has the most deposit options; you can even purchase an Amazon gift card with your deposit. It also offers free deposits for those willing to wait about ten days to access their funds, with an expedited option available for a fee.

For PayPal account holders, the PayPal check cashing app is also free for 10-day processing.

Comparison Table

The table below details the fees and requirements of each of the check cashing apps on our list. Note that you can use the arrow buttons at the top of each column to sort the table. For more information about each app, select the company name or scroll to the list below.

For information about how to make a mobile deposit, see our research on cashing a check online.

The List

Mobile check cashing apps vary in fees, processing time, and requirements. All mobile bank apps require users to be at least the age of majority in their state (ranging from age 18 to 21) unless they offer teen accounts linked to a parent or guardian account.

We compiled this information by viewing each company’s mobile app policies online and contacting their customer service departments for further details.

Non-Bank Apps

Note: Our list of non-bank apps appears in order based on which apps have the lowest fees and are available to the most users.

Ingo Money (includes ACE Mobile Loads and Brink’s Mobile)

• Fees: Standard fees are 2% to 5%, depending on check type, with a $5 per check minimum; Ingo Gold members are charged 1% to 4%, depending on check type, with a $5 per check minimum; fees are waived if you choose 10-day processing.^[1]
• Check types: Personal, payroll, government, money orders, two-party, insurance, attorney, cashier’s, rebate, and refund anticipation checks^[1]
• Limit: Minimum of $5 and maximum of $5,000 per check; $5,000 worth of checks per day; $10,000 worth of checks per month^[1]
• Processing Time: Immediate processing for a fee; free 10-day processing^[1]
• Platforms: Android and iOS^[2]
• Requirements: Active bank account, PayPal, prepaid card, or purchase of an Amazon gift card; money can also be picked up at a MoneyGram location for an additional $5 fee.^[1]
• Get the app

PayPal

• Fees: 1% for payroll or government checks with $5 minimum; 5% for other accepted checks with $5 minimum;^[3] no fee for 10-day processing^[4]
• Check types:
• Personal, payroll, government, money orders, two-party, insurance, attorney, cashier’s, rebate, and refund anticipation checks^[5][1]
• Limit: Minimum of $5 and maximum of $5,000; $5,000 per day; $15,000 per month^[5]
• Processing time: Free 10-day processing; immediate processing for a fee^[4]
• Platforms: Android and iOS^[6]
• Requirements: PayPal Balance account^[4]
• Get the app

Netspend

• Fees: 2% for government or payroll with a $5 minimum (whichever is greater) for expedited deposit; 5% of all other check types with a $5 minimum (whichever is greater) for expedited deposit; no fee for standard 10-day deposit; monthly fees if you enroll in one of its plans^[7][8]
• Check types: Payroll, government, and almost any other type of check^[7][8]
• Limit: Varies based on your Netspend plan, linked bank account, and federal regulations^[9][10]
  
• Processing time: Immediately or up to ten days^[8]
• Platforms: Android and iOS^[11]
• Requirements: Netspend Prepaid card^[11]
• Get the app

Bank Apps

We’ve ordered the list of bank apps alphabetically, so if you already have an account, you can easily find information about your bank.

Note: Your mobile check cashing limit with a bank app will typically vary depending on your account type and history.

Alliant Mobile Deposit

• Fees: None^[12]
• Check types: Any check in U.S. dollars, drawn on a U.S. bank that is payable to you^[13]
• Processing time: Generally, the first $225 is available on the day of deposit, amounts of $225.01 to $5,525 are available the second business day following the deposit, and larger amounts are available the seventh business day following the deposit.^[14]
• Platforms: Android and iOS^[15]
• Requirements: Alliant Credit Union account^[15]
• Get the app

Ally Bank

• Fees: None^[16][17]
• Check types: Checks drawn on a U.S. bank and payable in U.S. dollars^[18]
• Processing time: Most checks are available the following business day; if you have a history of overdrafts or are cashing a large check, it may take up to five business days for funds to become available.^[18]
• Platforms: Android and iOS^[19]
• Requirements: Ally Bank account^[19]
• Get the app

Bank of America

• Fees: None^[20]
• Check types: Personal, business, government, cashier’s^[20]
  
• Processing time: Deposits made on a business day before cut off time will generally be available the following business day, unless a hold is placed; deposits made on any day that’s not a business day or after cut off time will generally be processed the following business day and become available on the business day after processing is complete.^[20]
• Platforms: Android and iOS^[21]
• Requirements: Bank of America bank account^[22]
• Get the app

Capital One

• Fees: None^[23]
• Check types: Any U.S.-issued check made payable to you in U.S. currency, except for checks that are postdated, not dated, over six months old, altered, illegible, irregular, or substitute checks.^[24]
• Processing time: Funds are generally available the following business day.^[25]
• Platforms: Android and iOS^[25]
• Requirements: Capital One bank account^[25]
• Get the app

Charles Schwab

• Fees: None^[26]
• Check types: Checks issued by U.S. banks in U.S. dollars, except those made payable to someone other than you, postdated checks, traveler’s checks, and money orders^[27]
• Processing time: Deposits on a business day before 4 p.m. your local time will process the same day; otherwise, your deposit will process on the next business day.^[27]
• Platforms: Android and iOS^[27]
• Requirements: Schwab bank, brokerage, or IRA accounts^[27]
• Get the app

Chase

Note: See our research on Chase’s check cashing policy.

• Fees: None^[28]
• Check types: Personal, business, government, and cashier’s checks^[29]
  
• Processing time: Deposits before 11 p.m. ET are usually available the following business day.^[30]
• Platforms: Android and iOS^[30]
• Requirements: Chase bank account^[30]
• Get the app

Chime

• Fees: None^[31]
• Check types: Checks payable in U.S. dollars and drawn on a U.S. financial institution; must be less than six months old and free of alterations^[32]
• Processing time: Up to five business days^[32]
• Platforms: Android and iOS^[31]
• Requirements: Must have a Chime-branded account; other risk-based factors are taken into account.^[32]
• Get the app

Citibank

• Fees: None^[33]
• Check types: Personal, business, cashier’s, official, travelers check, and money orders^[34]
• Processing time: Up to seven business days, but may be sooner depending on check type and account status^[34]
• Platforms: Android and iOS^[33]
• Requirements: Citibank personal checking account^[33]
• Get the app

Citizens Bank

• Fees: Wireless carrier, service, and banking fees may apply.^[35][36]
• Check types: Checks payable to you (the account holder) or your business; must be properly endorsed or have an official company stamp^[37]
• Processing time: Generally, deposits made on a business day before 10 p.m. EST are available the same day to cover checks you’ve written or to make purchases; withdrawals should be available the following business day. All other deposits should be available within two business days.^[37]
• Platforms: Android and iOS^[35]
• Requirements: Citizen’s Bank personal or small business checking, savings, or money market account in good standing^[37]
• Get the app

Current

• Fees: None^[38]
• Check types: All types payable to you that are less than six months old; must be drawn on a U.S. bank and payable in U.S. currency; ineligible checks include money orders, cashier’s, travelers, starter, counter, substitute, post-dated, altered, and illegible checks.^[39]
• Processing time: Three to five business days; deposits made after 5 p.m. EST will be processed on the following business day.^[40]
• Platforms: Android and iOS^[38]
• Requirements: Current bank account;^[38] first deposit cannot be made by mobile app^[39]
• Get the app

Discover

• Fees: None^[41]
• Check types: Personal, business, government, cashier’s, certified, teller, and U.S. treasury checks^[42]
• Processing time: Checks received before 6:30 p.m. EST on a business day should be posted that day; all other checks are generally reviewed and made available on the following business day.^[42]
• Platforms: Android and iOS^[41]
• Requirements: Discover bank account^[41]
• Get the app

Fifth Third Bank

• Fees: None^[43]
• Check types: Checks drawn on U.S. banks and money orders^[43]
• Processing time: Up to two business days^[44]
• Platforms: Android and iOS^[45]
• Requirements: Fifth Third account; Basic Checking and Access 360 accounts are ineligible.^[45]
• Get the app

GoBank

• Fees: None^[46]
• Check types: Personal, payroll, insurance, government, cashier’s, rebates, stock dividends, and money orders^[47]
• Processing time: Up to five business days^[47]
• Platforms: Android and iOS^[48]
• Requirements: Activated GoBank card sent to you in the mail; checks must be greater than $1 and must not exceed your account balance.^[47]
• Get the app

GTE Financial Deposit2Go

• Fees: None^[49]
• Check types: Payroll, personal, government, insurance, rebate, cashier’s checks, and money orders made out to you; $10,000 maximum per check; $50,000 maximum per rolling 30-day period^[50]
• Processing time: Generally, the first $200 is available the following business day; the rest should become available in two business days.^[49]
• Platforms: Android and iOS^[49]
• Requirements: GTE bank account^[49]
• Get the app

Guaranty Bank

• Fees: None^[51]
• Check types: Any paper check for $2,500 or less^[52]
• Processing time: Business day deposits made by 5 p.m. your local time will be available on the next business day.^[51]
• Platforms: Android and iOS^[51]
• Requirements: Guaranty Bank account^[51]
• Get the app

Huntington Bank

• Fees: None^[53]
• Check types: Any check payable to you that is in U.S. dollars and drawn on a U.S. bank; excludes money orders, savings bonds, and traveler’s checks^[53]
• Processing time: Generally, within two business days^[53]
• Platforms: Android and iOS^[53]
• Requirements: Huntington Bank account enrolled in online banking^[53]
• Get the app

Navy Federal Credit Union

• Fees: None^[54]
• Check types: Personal, corporate/business, cashier’s, and government checks drawn on U.S. bank accounts^[55]
• Processing time: Up to $225 available once deposit is approved; the remainder is available on the first or second business day after approval.^[55]
• Platforms: Android and iOS^[55]
• Requirements: Navy Federal Credit Union account^[55]
• Get the app

PNC

• Fees: Free or 2% of check amount (or $2 for checks $25 to $100)^[56]
• Check types: Personal and business checks made payable to the account holder that are less than six months old^[57]
• Processing time: Immediate processing for a fee through PNC Express Funds; next-day processing for free if the deposit is received before 10 p.m. EST^[56]
• Platforms: Android and iOS^[56]
• Requirements: PNC bank account enrolled in online banking^[56]
• Get the app

TD Bank

• Fees: None^[58]
• Check types: Checks drawn on U.S. banks that are payable to you or a joint account holder^[58]
• Processing time: Up to five business days^[58]
• Platforms: Android and iOS^[58]
• Requirements: TD Bank account^[58]
• Get the app

Truist Bank

• Fees: None^[59]
• Check types: Personal, business, and any check drawn on a U.S. financial institution^[60]
• Processing time: Deposits made before 9 p.m. EST on a business day will be available for transactions on the same day and available for withdrawal the following business day.^[61]
• Platforms: Android and iOS^[59]
• Requirements: Truist account^[59]
• Get the app

Union Bank & Trust

• Fees: None^[62]
• Check types: Checks drawn on a U.S. financial institution^[62]
• Processing time: Deposits made before 6 p.m. CST generally post on the same business day.^[62]
• Platforms: Android and iOS^[63]
• Requirements: Union Bank & Trust bank account^[63]
• Get the app

USAA

Note: See our related research for details on depositing large checks at USAA.

• Fees: None^[64]
• Check types: Personal, teller, corporate, convenience, cashier’s checks, and money orders;^[65] must be drawn on a U.S. financial institution in U.S. dollars^[66]
• Processing time: Up to seven business days, generally sooner^[65]
• Platforms: Android and iOS^[67]
  
• Requirements: USAA bank account in good standing^[67]
• Get the app

U.S. Bank

• Fees: None^[68]
• Check types: Checks drawn on a U.S. bank made payable in U.S. dollars that are less than 180 days old; substitute checks, third-party checks, and savings bonds are ineligible.^[68]
• Processing time: Deposits accepted before 9 p.m. CST on a business day are generally available the following business day with $225 becoming available immediately; other deposits will be processed with the recorded date of deposit being on the following business day and $225 becoming available on the recorded date of deposit.^[68]
• Platforms: Android and iOS^[69]
• Requirements: U.S. Bank account^[69]
• Get the app

Wells Fargo

• Fees: None^[70]
• Check types: Checks drawn on a U.S. bank made payable in U.S. dollars including personal, business, and most government checks^[71]
  
• Processing time: Deposits made before 9 p.m. CST on a business day are generally made available on the following business day; otherwise deposits are processed on the next business day and funds generally become available the day after.^[71]
• Platforms: Android and iOS^[72]
• Requirements: Wells Fargo bank account^[70]
• Get the app