9 Instant Online Check Cashing Options to Use

A closer look at TD FastFunds

  • Check eligibility considered on an individual basis
  • The info we have is all we need—no additional details required
  • Available for single or batch check deposits
  • All checks considered, but not all may be eligible—decisions aren’t a reflection of whether the check is “good”
  • If a check isn’t eligible or you choose not to use FastFunds, you can still deposit it free of charge using our standard service
  • FastFunds deposits are credited to your account before any other transactions made that day, which could prevent an overdraft charge

Is Cashing a Check Instant?

Instant online check cashing is available for you with the use of your checking account, a prepaid debit card and/or cash from either yourself or another person. There’s no waiting period for a deposited check to clear and no account required at some places. There are many different providers that offer this service including banks, credit unions, retail stores and private companies.

You no longer have to worry about check deposits and you can determine what to do with old checkbooks since you won’t have a need anymore.


Related Questions FAQs:

What Are Some of the Advantages to Instant Check Cashing?

The best advantages for instant check cashing are the convenience and speed. You can avoid having to wait for your bank account to clear, which is typically five days or more. And getting money deposited right away into your account means that you have access to it immediately without needing a trip out of town. Once the money is deposited, you can shop at online shopping stores that accept eChecks and pay instantly. If you want instant check cashing then there are several options available to you.

You can also use the cash for airport hotels that take cash as an example and many other establishments.

Can You Cash a Check Online Without ID?

Yes, you can cash a check online without ID verification as long as it’s deposited electronically. Online checking account services like Boost Mobile make this possible by using your email or phone number to verify identity instead of requiring additional identification documents.

Can I Cash My Stimulus Check Online Instantly?

Yes, you can cash your stimulus check online instantly. This is especially helpful if you need to spend the money on something immediately and don’t have time for a trip out of town. Payday loan services like Check n Go make it possible by having most banks in their network that will accept electronic deposits right away without waiting.

Additionally, 7-eleven may be an option. Be sure to check the 7-Eleven check cashing policy for more details.

Does INGO Cash Personal Checks?

Yes INGO does cash personal checks. They have branches in most major cities around the US and also offer instant online check cashing services for personal checks. In order to cash your personal check at INGO, you’ll need a valid ID with photo identification like a driver’s license or passport as well as the funds on hand if you’re not using an electronic deposit service like PayPal.Once it clears, they can either mail out a physical check within two business days or provide instant access into your account via their mobile app which is especially helpful if this money needs to be spent right away rather than waiting until payday!

Cashing a Check at an ATM

It's a little less straightforward than taking it to a bank, but you can cash a check at an ATM, too. Not every ATM will enable this option, though; some will only allow you to deposit the check and some don't offer check deposits at all.

But if your ATM allows this option, just bring your check, your bank card, and a pen (to endorse the check) to the machine and follow the prompts on the screen. You may have to have the amount of the funds already available in your account before the ATM will dispense your cash.

Can you cash a check without a bank account?

You don't have to have a bank account to cash a check. Your best options are to cash the check with the check writer's bank or at a retailer or check-cashing store. In most cases, you will probably have to pay a fee for this service.

How Does Walmart Check Cashing Work?

Walmart offers mobile check cashing services via the Walmart app on Android and iOS devices. Once you have the app, you can cash checks remotely via the app and load funds onto your Walmart MoneyCard or withdraw cash directly at participating Walmart stores. Fees will vary by location.

See our guide on the Walmart check cashing and money order policy.

2. Ingo Money App

How it works: The Ingo Money App is a favorite choice for payroll check cashing. When you sign up, you must link at least one debit card, prepaid card, credit card or PayPal account to your user profile. To cash a check, take a photo of it in the app, choose when and where you want to receive the money and submit the check for review.


  • $5 or 2% for preprinted payroll and government checks (whichever is higher)
  • $5 or 5% for other types of checks and money orders (whichever is higher)
  • Preferred pricing plan, available to customers who’ve cashed at least six checks within the last 90 days, offers discounted rates
  • No fee if you choose to receive your money in 10 days

What the app is best for: Transferring money to a debit card or gift card

Where to download the app: Google Play or the App Store

A Better Way to Bank

About the Author

Valerie Smith is a writer based in Southern California, specializing in legal, real estate, finance, and aviation topics. Valerie is a commercial pilot, FAA licensed aircraft dispatcher, FAA licensed Advanced and Instrument Ground Instructor, California real estate broker, and certified paralegal. Her work has appeared in numerous publications in print and online. A life-long California resident, Valerie holds a Bachelor of Arts degree from San Diego State University and attended Sheffield School of Aeronautics. 

Money in 10 Days

Get your money in 10 days in one bank, PayPal or prepaid card account if the check does not return unpaid within the 10-day period.


All checks subject to review for approval. Most credit card issuers post funds within 24 hours.

Factors To Consider When Choosing A Check Cashing App

When you need to cash a check, there are many options. You can go to your bank, an ATM, or a check-cashing store. With the popularity of smartphones and apps, you may also want to consider using a check cashing app. Here are some factors to consider:

  • The Fees: The first thing to consider is the fees. Most check-cashing apps charge a fee, although the amount varies from app to app. Some apps may also charge a fee for depositing or withdrawing money. Be sure to read the fine print and understand all of the fees involved before choosing an app.
  • Ease of Use: Another thing to consider is how easy the app is to use. Some apps are more user-friendly than others, so choose one that is easy to navigate and has a simple layout.
  • The Features: Some apps offer more features than others. For example, you can deposit checks remotely, track your account balance or check your transaction history.
  • The Reputation: Do your research and read reviews before choosing an app. Choose an app that has a good reputation and is trusted by users.
  • Security: Be sure to choose an app that has a good reputation for security and that uses encryption technology to protect your information.

Customer Service: It’s important to have a good customer service department to turn to for help if you have a problem cashing your check. Be sure to choose an app that has a good reputation for customer service.

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