Apps like Ingo Money (5 Hand-Picked Alternatives We Tested)

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Ingo Money allows you to cash checks in minutes, anytime and anywhere. That means no more waiting for your bank to post a check deposit to your account. However, Ingo Money comes with fees attached and doesn’t provide access to cash advances or overdrafts. We’ve reviewed quite a few apps with more features and lower fees. Find out more about apps like Ingo in this article.

How does Ingo Money work?

Ingo Money app

Before we delve into alternative apps, let’s first look at the basics of Ingo Money. With this app, you can cash personal checks, business checks and paychecks. The funds appear within minutes, and you can transfer them to your bank, PayPal account or to a prepaid card. Alternatively, use your funds to pay your credit card bills, buy an Amazon gift card or even split a check with friends.

If you’re short on funds, though, Ingo won’t be of much help. Ingo Money doesn’t not offer cash advances or overdrafts, though it is integrated into a number of other apps that do.

Ingo Money fees

With this app, you’ll have to pay fees of 2% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks. A minimum charge of $5 applies per check. You can avoid fees if you can wait ten days to get your funds (providing your check is approved and doesn’t return unpaid in that time).

Go2Bank app – Get $5 when you cash you first check

go2bank $5 credit for check cashing via Ingo Money

Go2Bank is a mobile bank account with Ingo Money built right in! 1

You can cash a check in minutes just by taking two photos of it with the Go2Bank app. Since the check cashing is powered by Ingo Money, your funds will go straight into your account, without the need to bounce between apps or put more clutter on your phone.

You can even get a $5 credit with Go2Bank after you cash your first check!2 Just download the free Go2Bank app and use the promo code GO2get5 when cashing your check.

Go2Bank offers the power of a bank right from your phone. It has a great set of features, including overdraft protection 3 for up to $200 debit card purchases, plus access to your paycheck two days early4. Set up your direct deposit with Go2Bank, and you’ll pay $0 in monthly fees, too!5 

Cash checks instantly and get a $5 bonus >>> Get started with Go2Bank

ACE Mobile Loads app

This app is from the creators of Ingo Money and is a similar check cashing app. With ACE Mobile Loads, you can load most types of checks (between $5 and $2,500 in value) onto your ACE Elite™ Card and access your money in minutes.

A limit of up to $5,000 in check funds can be loaded per day and up to $10,000 in funds per month. The fees for instant processing are the same as the Ingo Money app.

Lodefast Check Cashing app

The Lodefast Check Cashing app enables you to cash checks from your phone and transfer your money to your bank account or any prepaid debit card. Available from the Lodestar Financial Group, Lodefast is only licensed for use in Florida and California, although it will soon be available in Texas.

This app is handy for businesses looking to cash checks quickly, but it is available to those looking to cash personal checks too (in those states mentioned above!).

Once your check is approved, you can access your money in as little as 5 minutes. Though it can take up to one hour. The fees for processing checks range from 3% to 5%, but if you’re happy to wait ten days, it’s free.

Other apps you might like

Some other apps can help you access your money quickly too – not by cashing checks instantly, but by giving you a cash advance on your paycheck. Check out these for starters:

Dave app –  Dave can help you avoid overdrafts by alerting you when your bank account is running low on funds. The app can also offer you a cash advance of up to $75 from your next paycheck. Learn more about the Dave app.

FIND OUT MORE >>> Apps like Dave

Earnin app – if your employer is signed up with Earnin, this app could help you out with your cashflow problems. Earnin allows you early access to your paychecks directly from your smartphone. There are no fees as such, but the app encourages you to leave a tip. Check out four things you should know about the Earnin app here.

FIND OUT MORE >>> Apps like Earnin

How we picked these apps

To come up with this list, we picked 5 apps like Ingo Money, downloaded them onto our phones, and started testing them for a range of metrics. We considered features including fees (upfront or hidden), eligibility, and limits. We also looked for additional features that might benefit everyday Americans living paycheck to paycheck. These include credit checks, speed of accessing funds and overdraft support.  We may receive a referral fee if you purchase or use some of the products described in this article.

  1. Ingo Money is a service provided byFirst Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Fees may apply. All checks subject to review for approval. Click here for more details.
  2. Promo code offer is valid only for users who successfully use the $5 promo code in the GO2bank mobile app before the promo code expires on 12/31/22. The $5 promotional incentive will be added to your approved check amount and transaction detail will be maintained in your GO2bank transaction history. All checks subject to review for approval. Fees may apply. Visit for complete details. Not valid with any other offer. Limit one promotional incentive per GO2bank user and one redemption per registered account. Offer value of $5.00 may only be added to your registered account and may not be redeemed for cash. Offer sponsored by Ingo Money. GO2bank does not endorse or sponsor this offer.
  3. 5 Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. Go2Bank requires immediate payment of each overdraft and overdraft fee. Overdrafts paid at Go2Bank’s discretion, and Go2Bank does not guarantee that it will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).
  4. Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.
  5. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise, $5 per month.

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