The difference between mobile banking and internet banking is that Internet banking is done on a computer, whereas mobile banking is done on a mobile phone, as the name implies. We have been able to deposit, withdraw, and cash checks without having to go to the bank, which has saved us time and stress. Cashing checks has become considerably easier thanks to mobile check cashing apps. You used to have to go to the bank to cash your check, but now you can do it from anywhere by simply taking a few images of the check with your phone and following the instructions. If you do not have a bank or you prefer using prepaid cards there are several mobile checks cashing apps to use. These are several mobile check cashing apps to try out.
Chase Total Checking.
With the Chase Total Checking app, you can instantly cash checks with your phone by using your mobile phone camera. Prepaid card companies to virtual checking account alternatives are among them. Upon opening a Chase Total Checking account, set up with a direct deposit, you will receive an incentive of two hundred dollars. There are around 4,700 Chase branches and 16,000 Chase ATMs. Their services are available online throughout the United States.
Ingo Money.
Ingo Money is one of the most versatile check cashing apps. Aside from check-cashing their services also include depositing money, Ingo allows you to link your bank account, prepaid, credit, debit card, or PayPal account. A check can even be split between accounts like 50 percent to PayPal and 50 percent to a prepaid card. If you often cash checks you are most likely eligible for Ingo Gold Preferred Pricing. It allows for payroll or government checks, with a cost of $5. Checks of $250 or less are subject to a two percent service charge, and checks of $250 or more are subject to a $5 service charge.
Venmo.
Venmo is more than just a payment app. When you sign up for a debit card or direct deposit the app allows you to cash checks inside the app. It allows For payroll and government checks with a one percent fee. There are 10 days approval option that involves zero charges. Withdrawals are at about 30,000 MoneyPass locations and are free of charge. With the Venmo debit MasterCard, you are eligible for cashback.
Green dot.
Green Dot speeds up the delivery of your paychecks and government benefits checks by two days and gives you 2 percent cash back on online and mobile transactions. It does not require a minimum balance. Optional overdraft protection of up to 200 dollars is provided through the app.
PayPal.
PayPal is one of the most trusted cash checking apps. PayPal’s check cashing service is similar to that offered by First Century Bank and Ingo, but it has a better pricing structure and is backed by a more reputable brand. This app has a lot of users with positive reviews which have amounted to 4.2 ratings out of 5 on the Google play store and also a commendable 4.8 out of 5 stars on the App Store. There is a 1 percent fee charged for payroll and government checks. Every other check is subjected to a five percent charge. The maximum check amount is $5,000 and is guaranteed instantaneously approval.
Anytimecheck.
Anytimecheck is ideal for business owners. Customers may pay business owners by paper check. Anytimecheck assists the business owner in easily cashing their check at any given time without having to go to the bank to make a deposit or wait for the mail. Anytimecheck has been rated by its user a 3.6 of 5 stars on the Google Play store. It provides a basic plan with a limit of 20 checks and 1.75 dollars charge per check, a pro plan with a limit of 50 checks and 1.50 dollars charge per check, and a premium plan with a limit of 150 checks and 1.25 dollars charge per check.
The Check Cashing Store.
Unlike the others, the Check Cashing Store is not popular and is limited to residents of Florida. It allows you to deposit checks with your mobile phone and also transfer funds to a Visa, MasterCard, or Discover card that is linked to the app. They have physical stores which allow them to discuss their service charge since they do not disclose it over the phone or website. Users have rated this App 2.6 out of 5 stars on App Store which I think is fair considering the limitations surrounding the app.
Waleteros.
Waleteros is the best option if you have family living in Central America since it offers a one-time $0.99 to individuals using the app at the start of every month. With this app, you may cash checks, receive direct deposits, and send money for a modest charge. There is the absence of minimum account balances or overdraft fees, and its customers have access to over 20,000 fee-free ATM locations around the country. They charge 0.75 dollars cost for sending money to family and friends and also a 1.75 percent check-cashing fee.
Conclusion.
So, luckily for us, due to the innovation and ease of mobile checking apps, we can turn our checks into cash from the comfort of our homes, offices, or churches. No more adhering to banking hours, no more fuss over a cheque. Just get a mobile check cashing app on your mobile today and cash that cheque.
