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.

When you cash a check online, you are depositing the money into your account so that it is available for use. 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 an ATM or a store that offers cash back, such as Walmart or CVS.

In This Article

How to Cash a Check Online

Cashing a check online 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. You can use any standard camera phone 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 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), you’ll have to take an extra step to transfer the money to your bank account. See the “Online Check Cashing via Other Apps” section to get more information on these apps and how they work.

What Do You Do With Your Physical Check After You Cash 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 or destroy the paper version. Always be sure to safely destroy the check to avoid security issues with your bank account.

Online Check Cashing via Bank Apps

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. This list includes information about online check cashing at some of the most popular U.S. banks. 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.  Even if your bank isn’t listed here, you should still check to see if it offers online check cashing services.

1. Bank of America

  • App options: Android, Apple, and Windows
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks, and cashier’s checks
  • Limit: Based on the type of account you have. When you select your deposit account in the “Mobile Deposit” menu, you’ll be able to see your monthly limit.
  • Fees: None
  • Processing time: If you live in Eastern or Central Time Zones, checks deposited by 9 PM ET will be available the following business day. If you live in Pacific or Mountain Time Zones, checks deposited by 8 PM PT will be available the following business day.
  • More information on the Bank of America website

2. BBVA Bank

  • App options: Android, Apple, Blackberry 10, and Kindle Fire
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have.
  • Fees: None
  • Processing time: All checks deposited before 8:30 PM ET will be available the following business day.
  • More information on the BBVA Bank website

3. Chase Bank

  • App options: Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have. Many accounts have a limit of $2,000 per check.
  • Fees: None
  • Processing time: Checks deposited by 11 PM ET are generally available the following business day.
  • More information on the Chase Bank website

4. Citibank

  • App options: Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have.
  • Fees: None
  • Processing time: Funds will be available within 48 hours of check deposit.
  • More information on the Citibank website

5. Citizens Bank

6. Intrust Bank

  • App options: Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit: The limit is $2,500 per check with a cap at $10,000 per day.
  • Fees: First five deposits per month free; $1 per deposit after the first five each month.
  • Processing time: All checks deposited before 8 PM CT will be available the following business day.
  • More information on the Intrust Bank website

7. KeyBank

  • App options: Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit: $10,000 every 30 days
  • Fees: None
  • Processing time: Deposits will be available the following business day.
  • More information on the KeyBank website

8. PNC Bank

  • App options: Apple and Android
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have. You can find the limit for your account by selecting “Check Deposit” from the main menu in the PNC Mobile Banking App.
  • Fees: None
  • Processing time: Deposits will be available within 48 hours.
  • More information on the PNC Bank website

9. U.S. Bank

  • App options:  Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have.
  • Fees: $0.50 per check
  • Processing time: Checks deposited before 9 PM CT will be available the following business day.
  • More information on the U.S. Bank website

10. Wells Fargo Bank

  • App options: Android, Apple, and Windows
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on the type of account you have. You can find the limit on your account in the “Amount” field when making a mobile deposit.
  • Fees: None
  • Processing time: Funds are available the business day following the day of the deposit.
  • More information on the Wells Fargo Bank website

Online Check Cashing via Other Apps

If your bank does not offer online check cashing, don’t worry. You can use other apps to cash your check online. 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.

1. INGO Money App

  • App options:  Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, government checks, and money orders.
  • Limit: Checks must be at least $5 and no more than $2,500
  • Fees: If you’re willing to wait up to 10 days, the money will be deposited to your account for free. If you need the money sooner, you’ll have to pay a $5 fee for payroll and government checks under $500 and a 1% fee for checks over $500. For personal checks and money orders under $125, you’ll have to pay a $5. For personal checks or money orders over $125, you’ll have to pay a 4% fee.
  • Processing time: Immediately or up to 10 days, depending on if you’re willing to pay a fee or want it to be free.
  • More information on the INGO Money website

2. NetSpend App

  • App options:  Android and Apple
  • Types of checks that can be cashed: Personal checks, payroll checks, and government checks
  • Limit:  Based on your NetSpend plan.
  • Fees: It doesn’t cost you anything to cash a check but you do have to pay $9.95 per month to have a NetSpend account.
  • Processing time: Money will be on added to your prepaid NetSpend debit card within 48 hours.
  • More information on the NetSpend website

In Summary

Whether or not you have a bank account that offers online check cashing, you can still get your money faster than ever with online check depositing. 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.