Ingo Money App – Cash Checks

33.4K 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

33.1K reviews
Dalynne Weaver
February 7, 2024
Ingo's Customer Service is phenomenal! They are understanding, respectful, knowledgeable, and fast AND you aren't stuck dealing with an automated system the whole time or on hold for hours! Literally dealt with the Automated System for about a minute. Long enough to choose language and my issue and then was immediately transferred to a real person and was only on hold for a little under a minute!! The app is easy to navigate and so far no app issues or glitches!
9 people found this review helpful
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Ingo Money, Inc.
February 8, 2024
Thank you for your kind words Dalynne! We greatly appreciate your support.
Hayden Patane
February 17, 2024
Works like it's supposed to. Very convenient. I wanted to update my first review. Although there isn't anything wrong with it. Four years later and I would absolutely rate them 6 stars if I could! Especially in this day and age, where paper checks seem to be all but extinct, I have never ended up having a problem with them. Easy to follow directions, throw them a couple bucks if you want your money right now... But if you can wait, they won't charge you. What more could you ask for?
3 people found this review helpful
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Ingo Money, Inc.
February 17, 2024
Thank you for your review Hayden! We greatly appreciate your continuing support and business.
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
51 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