How to Cash a Check Online: Online Check Cashing Options Detailed

Online check cashing is a convenient way to quickly cash a check without having to make a trip to the bank. Cashing a check online is easier than ever, and nowadays there are many different companies that offer online check cashing. Some banks offer check cashing through their own apps, and there are also third-party apps available. We have more details about how to cash a check online below.

How to Cash a Check Online

When you cash a check online, you are depositing the money into your account to make it available for use. 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 withdraw cash next time you go to an ATM or a store that offers cash back.

Cashing a check online is 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, endorse the check, write “For Online Deposit Only” underneath your signature, and then upload pictures of the front and back of the check. You can use any standard smartphone camera to take these pictures. The mobile app that you use to deposit the check will give you easy-to-follow instructions.

After you deposit the check, it will go to a queue for approval. If you’re using an app connected to your bank, the money will go directly into your bank account. Depending on your bank’s policy, only a portion of the funds may be available immediately. If you’re using an app that’s not associated with a traditional bank and you want to withdraw it, you’ll have to take an extra step to transfer the money to your bank account.

If you need to cash a check in person, we also list the places near you where you can cash a check 24 hours a day. We also have the details on how to cash or deposit a check in person.

Comparison Table

See the table below for a quick comparison of the non-bank apps that offer mobile check cashing, including information about fees. Then, click any app or scroll for more information.

App Supported Platforms Fees for Payroll & Government Checks (Immediate Availability) Fees for All Other Checks (Immediate Availability) Fees for Delayed Processing (10 Days)
Ingo Money iOS, Android $5 if under $250, then 2% $5 if under $100, then 5% None
PayPal iOS, Android 1% 5% ($5 minimum) None
NetSpend iOS, Android 2% 5% None
ACE Mobile Loads iOS, Android 2% ($5 minimum) 5% ($5 minimum) None
Boost Mobile Wallet iOS, Android 2% ($5 minimum) 5% ($5 minimum) None
The Check Cashing Store iOS, Android Vary Vary Vary

Online Check Cashing With Non-Bank Owned Apps

There are several apps that offer online/mobile check cashing and that do not require you to have an account with a specific bank to do so. These apps typically accept your check and then hold the money for you so that you can transfer it to your own bank account or put it on a prepaid debit card. This requires additional effort compared to depositing the check with your bank, but the apps are still secure; some banks even use Ingo Money’s technology to power their own online check cashing services. We’ve ordered the list of apps below starting with the best overall options:

1. Ingo Money (Includes Brink’s Mobile)

  • Platforms: iOS and Android[1]
  • Fees:[2]
    • Payroll and government checks: $5 for checks under $250, then 2%
    • All other checks: $5 for checks under $100, then 5%
    • No fees if you wait 10 days for the deposit to process
  • Download the app

2. PayPal

  • Platforms: iOS and Android[3]
  • Fees:[4]
    • Payroll and government checks: 1%
    • All other checks: 5% ($5 minimum)
    • No fees if you wait 10 days for the deposit to process
  • Download the app

3. NetSpend

  • Platforms: iOS and Android[5]
  • Fees:[6]
    • Payroll and government checks: 2%
    • All other checks: 5%
    • No fees if you wait 10 days for the deposit to process
  • Download the app

4. ACE Mobile Loads

  • Platforms: iOS and Android[7]
  • Fees:[8]
    • Payroll and government checks: 2% ($5 minimum)
    • All other checks: 5% ($5 minimum)
    • No fees if you wait 10 days for the deposit to process
  • Download the app

5. Boost Mobile Wallet

  • Platforms: iOS and Android[9]
  • Fees:[10]
    • Payroll and government checks: 2% ($5 minimum)
    • All other checks: 5% ($5 minimum)
    • No fees if you wait 10 days for the deposit to process
  • Download the app

6. The Check Cashing Store

For more information about these services, including their fees and requirements, see our list of mobile check cashing apps.

Banking Apps With Mobile Deposit

Many banks also offer online check cashing, also known as mobile deposit. You may want to consider choosing a bank that has this option when you are opening a checking account. See our list of mobile check cashing apps to find out more about the apps available from major U.S. banks, including Bank of America, Citibank, Fifth Third Bank, and Wells Fargo.

If you have an account with one of these banks, you should be able to use the online check cashing service; if you have any questions about your eligibility, check with your bank to make sure.

What to Do With a Check After You Cash It Online

Most banks and financial services will instruct you to keep your paper check for at least 14 days or until you’re sure that the check has cleared and the correct amount has been deposited into your account. Once you’ve confirmed that the check was correctly deposited, you should shred or destroy the paper version. Always be sure to safely destroy the check to avoid security issues with your bank account. If you don’t destroy it, someone else may find it and attempt to deposit it. See our article for the details of what can happen when you try to cash or deposit a check twice.

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