# Ingo Money - Cash Checks

> Mobile check cashing service for instant fund transfers to various accounts. (iPhone/iPad app by Ingo Money, Inc..)

- Source: https://appshunter.io/ios/app/ingo-money-cash-checks/id656846983 (this page in markdown: same URL + `.md`)
- Developer: [Ingo Money, Inc.](https://appshunter.io/developer/593240069)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.20/5 from 9,241 App Store ratings · 329 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 35 MB
- Languages: American English
- Released: 2013-06-08
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ingo-money-cash-checks/id656846983/reviews.md

## What is Ingo Money?

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 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 Apple 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.
__________________________________________
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; and (3) most prepaid cards, including Regions Now Card®, NetSpend®, Green Dot® Prepaid Debit, Walmart MoneyCard®, H&R Block® Emerald Card®, ACE Elite™, 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.
Ingo Money is a service provided by Sunrise Banks, N.A. Member FDIC and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Terms and Conditions and Privacy Policy. Approval 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.
© 2026 Ingo Money, Inc. All Rights Reserved.

## Key features

- Cash paychecks, business checks, and personal checks
- Funds deposited in minutes
- Transfer to bank, prepaid card, or PayPal
- Pay credit card bills
- Split checks across multiple accounts
- Photo submission for review

## What do users think of Ingo Money?

Overall sentiment: negative

**Pros**

- 🚀 Fast and convenient
- 💡 Works with various payment methods
- 👍 Helpful customer service
- 🚀 Instant check cashing

**Cons**

- 🐛 Inconsistent check approval
- 🔒 Security and identity verification issues
- 💰 High fees for instant cashing
- 🤖 Poor communication and lack of transparency

**Commonly reported bugs**

- Inability to resubmit declined checks
- Accounts being closed without explanation
- Verification email issues
- Inconsistent app performance

**Most requested features**

- Improved check approval process
- Better customer support and communication
- Lower fees for instant cashing
- Clearer policies and guidelines

## Recent user reviews (10 of 329)

All indexed reviews: https://appshunter.io/ios/app/ingo-money-cash-checks/id656846983/reviews.md

### 5/5 — Best cashing app

*2026-07-30, version 4.10.8*

I love that I don’t have to drive to the middle of nowhere to finally cash a check that came to my door! Thank you Ingo

### 5/5 — It worked ☺️

*2026-07-28, version 4.10.8*

I was skeptical about using this app. Seeing the great reviews made want to try it out . I also was desperately looking for a way to cash this check I had because I need another DL and I couldn’t take the check nowhere to cash it without ID. I’m so glad I decided to take a chance and cash my check through this app and I had my money in minutes . Process was easy , simple and quick . Definitely will recommend this app will use this app in the future if I ever need to again. Thank you ☺️

### 1/5 — Terrible app

*2026-07-27, version 4.10.8*

If there was a zero star option I would choose that. Would not even try to explain their approval/denial process. Do not download this app.

### 2/5 — Unfair pricing

*2026-07-26, version 4.10.8*

Fees are too high

### 2/5 — It’s criminal to only have a 10 day option

*2026-07-24, version 4.10.8*

So you can get the check deposited now for 5% or wait 10 days when everyone/everywhere else does 3-5 maximum

### 5/5 — Highly Recommended

*2026-07-21, version 4.10.8*

I would recommend Ingo to anyone that needs to cash a valid check in minutes. I typically use direct deposit, but anytime an employer has gotten it wrong & issued me a check instead, I’ve always been able to cash it quickly! I’d highly recommend.

### 5/5 — Paulette was fantastic

*2026-07-21, version 4.10.8*

I decided to use the chat to ask for help when it wasn’t letting me log in.They were  quick they didn’t take too long they gave me what I needed and it was amazing. Need more like them.

### 2/5 — Could not use

*2026-07-19*

I know they have terms and risks they must consider but given the technology  available to clear a check as well as apply and even apply holds they need if they want to wait until they get the finds before posting or depositing to you. However they have never cashed any check for me on reimbursement checks i receive because the address os from a resident at the same address as me. I have a paypal account for my small business and the the cash a check feature goes through ingo since they changed providers a few years ago. Now i cant use that feature because the automatically decline to cash checks from thz sale location. I understand the right to refuse but paypal has a sole provider if this and many people use this as their primary payment platform. I know they can check to przithoroze and make sure tha funds are there (no ossue with thos) and i dont mind waitibg the 10 days to clear jut they just wont even let me usebut. So i keep asking PayPal to offer some option or go back to orevious suppler. They get a fee so its not like its free. I just dislike that this is the sole service provider because its a burden to have such a poor level of value or usage for a feature thats highly necessary where it easy (otherwise) to eliminate any potential risk worries they may have , quite black and white in these cases and even if they still have a problem with an immediate deposit they could still default to the 10 day hold. I mean how ridiculous id that. If it cant clear in 10 days there is lo risk they just return it and show the Insufficient funds  if that is truly the case, but they wont so that nor explain that .

**Developer response:** Hi! We always strive to provide a great mobile check cashing experience. Please contact our customer support team at ingocares@ingomoney.com we may best address your concerns.

### 1/5 — Transaction Fee % is CRAZY

*2026-07-16, version 4.10.8*

The amount charged to deposit a check into your account is higher than any other app or in person service that I’ve ever used in my life. I’d HIGHLY recommend depositing through an ATM, bank, MoneyGram any other way then taking this option.

### 5/5 — Great support

*2026-07-15, version 4.10.8*

I came across a problem and was helped out in a matter of minutes by Ashley

## Frequently asked questions about Ingo Money

### What is Ingo Money?

Ingo Money is a mobile service that allows you to cash almost any type of check directly from your smartphone. You can get your money in minutes deposited into your bank account, prepaid card, or PayPal account. It offers a convenient alternative to traditional check cashing services.

### How do I cash a check with Ingo Money?

To cash a check, you first create an Ingo Money profile and link your desired accounts. Then, simply take photos of the front and back of your check and submit them through the app. If approved, the funds will be transferred to your linked account.

### Are there fees associated with Ingo Money?

Yes, fees apply for approved 'Money in Minutes' transactions that are funded to your card or account. Unapproved checks will not be funded. It's important to review the terms and conditions for specific fee information.

### What types of checks can I cash?

You can cash paychecks, business checks, personal checks, and almost any other type of check. The service is designed to handle a wide variety of check types issued on U.S. financial accounts.

### How long does it take to get my money?

Approval for funding typically takes 3 to 5 minutes, but can sometimes take up to one hour. Once approved, the money is guaranteed and available for spending or transfer.

## Version history (last 5 releases)

### 4.10.10 — 2026-08-18

- Bug Fixes and Improvements

### 4.10.9 — 2026-08-13

- Bug Fixes and Improvements

### 4.10.8 — 2026-06-16

- Bug fixes and improvements

### 4.10.7 — 2026-04-22

- Liquid Glass Support
- Bug Fixes and Improvements

### 4.10.6 — 2026-04-13

- Liquid Glass Support
- Bug Fixes and Improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*