Ingo Money App – Cash Checks

32.2K reviews
Content rating
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About this app

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 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.

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.

* 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) 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

32K reviews
Dr. Erik Barrington
October 29, 2022
GARBAGE DON'T WASTE YOUR TIME. I don't recommend this app because I spent the better part of six hours on hold, installing and reinstalling, clearing out the forms and starting over. Customer service was absolutely backwards. The last time I had such an incredibly horrible experience like this is when I was trying to get answers for my American Express account. 100% Garbage it doesn't work. At least twice I was on hold in excess of 40 minutes straight.
97 people found this review helpful
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Ingo Money, Inc.
October 29, 2022
We would like to investigate this matter further Erik. Please contact our customer support team at so that we may best address your concerns.
Brett Dawson
November 19, 2022
This service has declined my checks every single time since I randomly attempted to use it over the last 4 or so years. Upon decline the app has a pop up that says something along the lines of "check declined. This is a final decision, don't try again." It provides literally no explanation or reason as to why. I checked the FAQs and they just list off a load of obvious causes, none of which apply to me. Zero customer support whatsoever as well.
102 people found this review helpful
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Ingo Money, Inc.
November 24, 2022
Hi Brett. All checks are subject to a review for approval, and no approval is guaranteed. For more information regarding your transaction, please contact our customer support team at
Jacob .Yeaton
November 4, 2022
If I could rate this app 0 stars I would. I've been trying to authenticate my account by uploading a picture of both the front and back of my state id and the app crashes every time. I tried to call customer service and was on hold for 4+ hours before the call disconnected. I tried the live chat and they just keep telling me to upload thebpictures even though I tell them I can't because the app keeps crashing. This app is awful. Don't waste your time.
42 people found this review helpful
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Ingo Money, Inc.
November 8, 2022
Hi Jacob. We are sorry that you are having trouble and are here to help. For assistance, please contact our customer support team at