Tired of waiting in line at the bank just to cash a check? There are tons of apps that let you cash checks right from your phone, saving you time and hassle. Some apps even let you deposit checks directly into your account or even get the cash instantly! We've rounded up the best apps for cashing checks on the go, so you can ditch the bank altogether.
The top three apps that consistently get good reviews are Cash App, Chime, and U.S. Bank Mobile Banking. All three apps are easy to use and offer convenient features like mobile check deposit, instant access to funds, and even the ability to send money to friends and family. Ready to say goodbye to check-cashing headaches? Let's dive into the best apps for mobile check cashing!
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Cash App |  | Android, iOS | 4.8/5 | 104M+ | Send and receive money instantly, Get instant discounts |
| 2. Chime |  | Android, iOS | 4.8/5 | 25M+ | Overdraft up to $200, No monthly fees, Get paid early |
| 3. U.S. Bank Mobile Banking |  | Android, iOS | 4.8/5 | 10M+ | Personalized Insights, U.S. Bank Smart Assistant, Security at your fingertips |
| 4. Classic Netspend |  | Android, iOS | 4.8/5 | 9M+ | Faster direct deposits, Mobile check loading, Simple budgeting tools |
| 5. Varo Bank |  | Android, iOS | 4.9/5 | 5M+ | No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle |
| 6. Current |  | Android, iOS | 4.8/5 | 5M+ | Build credit safely, Access cash quickly, No overdraft or ATM fees |
| 7. GO2bank |  | Android, iOS | 4.8/5 | 4M+ | No surprise fees, Early paydays, Built-in backup |
1. Cash App
Deposits checks instantly with a photo, Funds available within minutes
Download:
Application information
| Category | Finance |
| Downloads | Over 100 million downloads |
| Features | Cash App allows users to send and receive money, pay bills, invest in stocks and Bitcoin, deposit checks, and manage their finances, all within a user-friendly mobile app. |
| Who It’s For | Cash App is ideal for individuals looking for a convenient and versatile app for managing their finances, including cashing checks, sending money, and investing. |
- Tags:
- Instant Money Transfer
- Free Debit Card with Discounts
- Free Tax Filing
Cash App is a game-changer for managing finances and sending money effortlessly, and it's also a fantastic app for cashing checks on your mobile device. The app's user-friendly interface and secure features like PIN protection provide peace of mind, while the Cash Card offers convenient spending options and exclusive discounts. Cash App allows you to easily manage your money, send and receive payments, and even invest, all from the convenience of your smartphone. It's a versatile and reliable tool for anyone looking for a simple and secure way to manage their finances, including cashing checks on the go.
Pros & Cons
- Easy peer-to-peer payments
- Direct deposits and investments
- User-friendly interface and secure
- Convenient spending options with Cash Card
- No transaction history editing
- No receipt attachment functionality
- Card customization can be time-consuming
Why we chose it?
I've tried a bunch of apps for cashing checks, but Cash App is my go-to! It's super easy to use, with a simple interface that makes depositing checks a breeze. Plus, Cash App lets you instantly access your funds, so you don't have to wait days for the money to clear. And, best of all, it's completely free to use - no hidden fees or charges.
✨ Read more: app to pay bills online
2. Chime
Deposit checks from your phone, No monthly or deposit fees, Funds available quickly, often same day
Download:
Application information
| Category | Finance |
| Downloads | Over 25 million downloads |
| Features | Chime offers mobile check deposit, allowing users to deposit checks directly from their phone, eliminating the need for traditional bank visits. |
| Who It’s For | Individuals seeking a free, convenient, and secure way to deposit checks without visiting a bank. |
- Tags:
- Overdraft up to $200 fee-free
- Get paid up to 2 days early
- No monthly fees‡
Chime is a popular mobile banking app that's lauded for its features like early payday and automatic saving. Users rave about its "spot me" feature, which allows for overdraft protection up to $200 without fees. While some users appreciate Chime's seamless mobile experience, others have expressed frustration with recent design updates that have hindered functionality. While Chime offers a convenient way to manage your finances, it's not specifically marketed as an app for cashing checks. If you're looking for an app specifically designed for mobile check deposit, you may want to explore other options.
Pros & Cons
- Early payday feature
- Automatic saving features
- Fee-free overdraft protection
- Great customer service
- New app design issues
- Unresponsive app experience
- No option to decline debit card
Why we chose it?
I absolutely love Chime for cashing checks! It's super easy and fast, and I can do it all right from my phone. Plus, there are no fees, which is a huge bonus. And, the best part? I get my money instantly, so I don't have to wait around.
✨ Read more: app to file taxes
3. U.S. Bank Mobile Banking
Deposit checks with your phone, Instant funds availability, Convenient mobile check deposit
Download:
Application information
| Category | Finance |
| Downloads | Over 10 million downloads |
| Features | The U.S. Bank Mobile Banking app offers a comprehensive suite of features, including account management, bill pay, mobile check deposit, and personalized financial insights, all designed to make managing your finances simple and secure. |
| Who It’s For | This app is ideal for U.S. Bank customers who want to manage their accounts, pay bills, and deposit checks on the go. It's particularly useful for people who need to deposit checks frequently or who want a convenient way to access their financial information. |
- Tags:
- Secure and convenient
- Manage accounts easily
- Personalized Insights
The U.S. Bank Mobile Banking app offers a convenient way to cash checks on the go, though its check deposit feature has been a source of frustration for some users. While many praise the app's overall ease of use and its helpful features for managing accounts, the auto-capture function for check deposits has been unreliable, forcing users to manually take photos of their checks after an often frustrating wait. While the bank has made improvements in recent updates, some users still find the interface cluttered and miss the ability to readily view copies of deposited checks. Nonetheless, the app remains a popular choice for those seeking a user-friendly way to manage their finances and deposit checks from the comfort of their mobile device.
Pros & Cons
- Easy to use and navigate
- Good for viewing account details
- Allows easy check deposit
- Offers features for veterans
- Check deposit feature is frustrating
- App can be cluttered and confusing
- Difficult to find transaction history
Why we chose it?
I've been using U.S. Bank Mobile Banking for a while now, and it's my go-to for cashing checks on the go! The app makes it super easy to deposit checks with just a few taps, and I love that it’s secure and reliable. Plus, I get to manage all my accounts, pay bills, and even track my spending – it's a total lifesaver!
✨ Read more: app to check credit score
4. Classic Netspend
Deposit checks with your phone, Access funds quickly and easily
Download:
Application information
| Category | Finance |
| Downloads | Over 8.7 million downloads |
| Features | The Classic Netspend app offers features like direct deposit, mobile check deposit, bill pay, money transfers, and ATM access, making it a convenient tool for managing your finances. |
| Who It’s For | Ideal for individuals who need an app for cashing checks, managing their money on the go, and accessing their funds quickly. |
- Tags:
- Fast and Easy Funding
- Mobile Check Deposit
- Bill Pay and AutoPay
The Classic Netspend app is a popular choice for cashing checks on the go, offering a convenient and reliable way to manage your finances. While users appreciate the app's core functionality and the convenience of its debit card, some have voiced frustration with recent performance issues. A notable feature request is the addition of "round up checking," which would automatically round up purchases to the nearest dollar and deposit the difference into a savings account. While the app has recently addressed freezing issues, highlighting the importance of prompt updates and bug fixes for user satisfaction.
Pros & Cons
- Great app, easy to use
- Debit card with good features
- Good for cashing checks
- Fast and reliable service
- Missing round-up checking feature
- App freezing issue reported
- Previous app instability
Why we chose it?
I'm a big fan of Classic Netspend! It's super easy to use and lets you cash checks right from your phone. I love that you can deposit checks quickly and securely, and it's great for managing your money on the go. Plus, it's free to download and use, which is a huge bonus!
✨ Read more: app for online banking
5. Varo Bank
Deposit checks directly from your phone, Fast and convenient check processing
Download:
Application information
| Category | Finance |
| Downloads | Over 5 million downloads |
| Features | Varo Bank app offers no-fee checking, early paychecks, mobile check deposit, money transfers, savings accounts, credit building, and cash advances, all in one app. |
| Who It’s For | Individuals seeking a mobile-first banking experience with features like mobile check deposit. |
- Tags:
- No monthly fees‡
- Early direct deposit
- Credit builder
Varo Bank is a mobile banking app that offers a seamless and convenient way to manage your finances, including cashing checks. While users rave about features like early pay, quick transfers, and the Varo Believe credit builder program, some have expressed frustration with the app's login process, noting that biometrics frequently fail. However, despite this minor hiccup, many users, like one who has been banking with Varo for two years, find it easy to navigate and appreciate the user-friendly interface. While the app doesn't have live customer service after 4pm EST, its overall positive features and user-friendly design make Varo a strong contender for anyone looking for a convenient and reliable mobile banking app for cashing checks.
Pros & Cons
- Easy to use interface
- Fast transfers and deposits
- Early access to paychecks
- Secure credit card program
- Biometrics login unreliable
- Card decline issues frequent
- Limited customer service hours
Why we chose it?
I absolutely love Varo for cashing checks! It's super easy to deposit checks with their mobile app, and you can even get your money faster than with traditional banks. Plus, Varo doesn't charge any monthly fees or minimum balance requirements, so you can save even more money.
✨ Read more: app to send money
6. Current
Cash checks instantly with your phone, Deposit checks without a bank account
Download:
Application information
| Category | Finance |
| Downloads | Over 5 million downloads |
| Features | Current offers a mobile banking experience with features like cashing checks, building credit with a Build Card, accessing cash advances up to $500, and skipping overdraft fees. |
| Who It’s For | Individuals seeking a convenient and feature-rich mobile banking app with options for cashing checks, managing finances, and building credit. |
- Tags:
- Build credit safely
- Access cash quickly
- Skip overdraft fees
Current is a mobile banking app that offers a variety of features, including the ability to build credit, access cash advances, and manage your spending. While it's praised for its security, spending management tools, and credit building features, it's important to note that some users have encountered issues with the app's credit builder card and debit card functionality. While Current offers a convenient way to manage your finances, it's essential to be aware of these potential drawbacks.
Pros & Cons
- Good banking app
- Secure and manageable
- Helps with spending
- Build credit card
- Fees to deposit money
- Credit card issues
- Debit card declines
Why we chose it?
Current is a great option for cashing checks on your phone because it's super simple and fast. You can deposit checks directly through the app, and I love that it doesn't charge any fees for overdraft or cash withdrawals. Plus, Current lets me build my credit safely, which is really helpful for someone like me who's just starting out.
7. GO2bank
Deposit checks with your phone, Fast and easy check cashing, Free mobile check deposit
Download:
Application information
| Category | Finance |
| Downloads | Over 4.4 million downloads |
| Features | GO2bank offers features like free check cashing, early access to paychecks, no monthly fees with eligible direct deposit, free nationwide ATM access, and a secured credit card for building credit. |
| Who It’s For | GO2bank is ideal for people who need a convenient way to cash checks, manage their finances, and build their credit. |
- Tags:
- No surprise fees
- Early paydays
- Built-in backup
GO2bank is a mobile banking app that makes managing your finances a breeze. It's not just a checking and savings account, it's a versatile financial tool that allows you to cash checks, build credit, and even get paid early. While some users have reported issues with slow balance updates and overdraft protection, GO2bank's features like early paydays and a secured credit builder card are highly valued by many users. The app's ability to lock and unlock both your debit card and credit card for added security is another perk that makes GO2bank a convenient and reliable choice for those seeking a comprehensive mobile banking solution.
Pros & Cons
- Simple app for checking/savings
- Secured credit builder card
- Lock/unlock debit & credit card
- Useful financial tool
- Monthly fee despite qualifying
- Optional overdraft feature issues
- Balance updates can be slow
Why we chose it?
GO2bank is my go-to app for cashing checks because it's super easy and fast! I love that I can deposit checks right from my phone without having to go to a bank or ATM. Plus, GO2bank has no monthly fees and offers great features like early paydays and overdraft protection, which makes it a real winner in my book!
8. Ingo Money App
Cash checks quickly and easily, Get money in minutes, Fund multiple accounts
Download:
Application information
| Category | Finance |
| Downloads | Over 2.4 million downloads |
| Features | The app allows users to cash checks from their phone, receive funds in minutes to their bank, prepaid, or PayPal accounts, and pay bills or split checks between multiple accounts. |
| Who It’s For | Anyone looking for a convenient and fast way to cash checks using their mobile device. |
- Tags:
- Cash checks instantly
- Avoid check cashing fees
- Deposit Checks Remotely
Ingo Money App is a lifesaver for those who need to cash checks quickly and conveniently. This app allows users to deposit checks directly into their bank accounts, prepaid cards, or PayPal accounts, often within minutes. While some users have experienced frustrations with the app in the past, recent improvements have made it a reliable option for cashing checks. One key tip for users is to disable their phone camera's auto-selection feature before taking pictures of checks to avoid potential issues. Despite a small fee, the convenience and speed offered by Ingo Money App make it a valuable tool for those who need to access their funds quickly.
Pros & Cons
- Cash checks quickly
- Reasonable fees
- Convenient for emergencies
- Deposits funds in minutes
- May require voided check
- Issues with check cashing
- Can be time consuming
Why we chose it?
I love Ingo Money! It's super fast and easy to cash checks with just a few snaps of your phone. I especially appreciate how quickly I get my money, often within minutes, and the fact that I can send money to multiple accounts with a single check. Plus, it's super secure so I can rest assured my funds are safe.
9. The Check Cashing Store
Cash checks quickly and easily, View account balance and history
Download:
Application information
| Category | Finance |
| Downloads | Over 362,000 downloads |
| Features | The Check Cashing Store app allows users to view their debit card balances, transaction history, and manage their spending habits, making it a convenient and user-friendly app for cashing checks. |
| Who It’s For | The Check Cashing Store app is ideal for individuals who need a convenient and secure way to manage their finances and cash checks. |
- Tags:
- Real-time balance updates
- Easy Transaction Tracking
- Spending habit monitoring
The Check Cashing Store app is a convenient tool for cashing checks on the go, offering users in certain states, like Florida, a quick and easy way to access their funds. While some users report occasional glitches or outages, like the recent update causing temporary downtime, the majority of users, like the commenter from Florida, have found it reliable and helpful. This app allows for easy access to transaction history and balances, giving users the control they need to manage their finances effectively.
Pros & Cons
- Convenient for cashing checks
- Available in some states
- Good customer support
- Easy to use interface
- App currently unavailable
- May not be available everywhere
- Some reported issues with service
Why we chose it?
I'm a big fan of The Check Cashing Store app for mobile check cashing! It's super easy to use, and I love that I can check my balance and transaction history right from my phone. Plus, it's free to download and use, which is a huge bonus. If you're looking for a reliable and convenient way to cash checks on the go, The Check Cashing Store app is definitely worth checking out!