Ingo Money App – Cash Checks

4.1
33K reviews
1M+
Downloads
Content rating
Everyone
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About this app

CASH CHECKS AND GET YOUR MONEY IN MINUTES
With the Ingo® Money App, cash paychecks, business checks, personal checks—almost any type of check—anytime, anywhere. Get your money in minutes in your bank, prepaid card and PayPal accounts. Choose to pay credit card bills, buy an Amazon.com Gift Card* or split a check and fund multiple accounts. If your check is approved, the money is as good as cash and safe to spend on purchases and payments made in-store, online and in Android Pay. Terms and fees apply.

ENROLL, SNAP, GO!
It’s easy to get started. Create your Ingo Money profile right in the app and then link your bank debit card, prepaid card, PayPal account and credit cards. To cash your check, take a photo of the front and back and submit it for review. If your check is approved and your account is funded or your bill is paid, the money is guaranteed. No check cashing lines. No deposit holds. No take-backs. No worries.

With Ingo Money, it’s in with a check, and on with your life.
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* Restrictions apply. See details.

The Ingo Money App may be used by identity-verified customers to cash checks issued on U.S. financial accounts to fund: (1) most debit, prepaid and credit card accounts issued by hundreds of U.S. financial institutions including Chase®, Bank of America®, Citi®, Wells Fargo®, American Express®, U.S. Bank®, PNC Bank®, Capital One®, HSBC Bank USA, TD Bank, Discover®, Synchrony Bank, First Premier® Bank, Pathward and the Bancorp Bank; (2) PayPal™, PayPal™ for Business and PayPal™ Prepaid MasterCard® accounts; (3) Amazon.com Gift Cards; and (4) most prepaid cards, including Chase Liquid®, Wells Fargo EasyPay®, Regions Now Card®, BB&T MoneyAccount®, NetSpend®, Green Dot® Prepaid Debit, Walmart MoneyCard®, H&R Block® Emerald Card®, ACE Elite™, RushCard®, AccountNow®, Kroger® 1-2-3 REWARDS® and more. Funds may also be used to pay retail credit card bills from thousands of retailers including Walmart®, Target®, Costco®, Home Depot®, Lowe’s®, BestBuy®, Gap® and Old Navy®. You can also access the Ingo Money service in dozens of mobile banking apps including American Express Serve® and Bluebird by American Express. Ingo Money participates in the Visa®, MasterCard®, American Express®, Star®, Pulse®, NYCE® and Maestro® payment networks.

The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details. Ingo Money service is not available for use within the state of New York.

Designated trademarks and brands are the property of their respective owners.

© 2022 Ingo Money, Inc. All Rights Reserved.
Updated on
May 24, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 4 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.1
32.7K reviews
James Freeman
October 17, 2023
I have used this app for a couple years and it works if you have a good camera, solid black background and good lighting. My big complaint is the cost of cashing my checks. I am a "gold"member but they take between $25-$30 to cash a check when it used to be a few dollars or outright free for having that status. This is the only app my debit card allows, so I'm stuck using it. Customer service doesn't care, still costs too much while Americans are struggling to pay rent, without being taxed again
13 people found this review helpful
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Ingo Money, Inc.
October 18, 2023
Hi James. We are sorry that you are having trouble and would like to investigate this matter. Please contact our customer support team at ingocares@ingomoney.com.
Seas Garage
November 3, 2023
Dont rate a lot of apps, but this one is actually pretty helpful. You can get a check deposited into YOUR ACTUAL BANK in a few minutes with a small % fee. A 150$ check has a fee of like 7$, so not bad at all for the service. You can also wait ten days and get it deposited for free. Super easy to do, just set up your account on the app with email, take a picture of front and back of check, dont even need to be signed, and choose the time frame. 100% recommend just for ease of use and services.
2 people found this review helpful
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Ingo Money, Inc.
November 3, 2023
Hello! We are very thankful for the awesome review! Thanks for your continued support!
Barbaralynn Cooper
November 19, 2023
I have experienced so much frustration with this particular app. It does not take the picture cdirectly, and it does not approve my check, which is a government check show. It is therefore good. I've tried repeated attempts And I just didn't receive any help. No resolution to the problem. Just the same answers every time
Did you find this helpful?
Ingo Money, Inc.
November 19, 2023
Hi Barbaralynn. We are sorry that you are having trouble. For more information regarding your transaction, please contact our customer support team at ingocares@ingomoney.com.