Checks are fast becoming a thing of the past. Attempts to cash a check some time ago might have been met with a lot of difficulties from numerous factors coming into play, such as determining if and when such a check may be cashed — not anymore, at least. Thanks to technology (fin-tech to be precise) and the internet, we are now able to cash checks online from the comfort of our homes.

Our Internet-enabled devices (smartphones, laptops, iPads, tablets, etc.) can make cashing checks online very easy, fast, and reliable. But to cash check online through these devices, they require apps, and these apps, in turn, require internet-uploaded information to be approved.  For instance, you have to link your banking information with the app and also upload photos of the back and front of the check. 

When uploaded, the photo goes into the app server, and it lodges the check for approval. If approved, the cash is then forwarded to the bank account number provided. If no bank account is provided, then you have to take another step to send the money to the desired destination. 

10 Options to Cash Check Online

Paypal Mobile App

Paypal is a very popular online payment vendor that could cash check online among other assortments of services that they offer. They empower customers to do this through their mobile app, which is easily assessable on Google Play for Android users and the App Store for iOS users. All you have to do is to go to “my account” and take a snapshot of the front and back of the check. However, the processing time for transactions of this nature is no less than 2-3 working days, and there is a limit of not more than $1000 to be processed. 

Waleteros Mobile Banking App

The Waleteros is a Latino-based mobile banking app that enables you cash check online, and they transfer to the virtual prepaid card they issue you once you sign up with them. The plus here for customers is that they withdraw cash at no cost from any Plus Alliance ATM and other cash-back locations. What this means is that there is a zero maintenance cost for ATM Cards since there is none issued to customers. However, there may be other fees involved, such as fees to check deposits, fees for PIN purchases, and card replacement fees. Customers looking to avoid overdrafts, ATM Card maintenance charges, minimum balance, international payment fees, inactivity fees, and hidden fees should find it a very attractive medium to use to cash check online.

Guaranty Bank

You can always cash check online with Guarantee Bank if you have an account with them or not. They cash all different kinds of checks and money orders with a limit of $5,000. If you are an account holder, the amount chargeable is 1.5% of the check amount, and if you are not an account holder, the amount chargeable is 2.5%. Personal checks are 3% of the check amount for account holders and 3.5% for non-account holders. 

This best serves as a last resort because the fees can add up to substantial amounts at the end of the day. One would rather look for free services with one’s bank if possible.

Post Written by Contributor

Author –  Racheal Hooks

US Patriot Loans contributing authors are experienced in areas such as personal finance, legal writing, or technical writing. Contributed articles are intended to provide a wider spectrum of views that may benefit the reader.

Axos Bank (Formerly Known As Bank Of Internet USA) 

Axos Bank, formerly known as Bank of Internet USA is an online institution that offers rewards on checking, as well as ATM fee reimbursements, and a very lucrative Annual Percentage Yields (APY) on savings. Their app is easily accessible on Google Play for Android users and the App Store for iOS/Apple users. Once downloaded, all you have to do is to upload photos bearing the front and back pages of the check. Their service offers you the opportunity to cash your check online and immediately deposit it straight into your checking or savings account with them. The service is free if you have an account with them as it is a free service that is part of their online banking tools. 

Money Mart

Money Mart Financial Services is a company that offers a range of financial services, including cash checking services. They also have physical locations all over the US and Canada. All that you have to do is to upload the photos of the check on their app as you would for others, as mentioned earlier.


GoBank is also another brilliant company that offers cash checking online services. You just need to follow the same process of snapping the front and back of the check and uploading it on the app. The app is readily accessible on Google Play and Apple Store.

Ingo Money

Though regrettably, only iOS users can download the app, Ingo Money remains a top-notch money app that deals in cashing checks online — Checks like Paychecks, business checks, and even personal checks are cashed and forwarded in minutes directly to your bank, prepaid card or PayPal accounts. It is 100% free, but you will have to access the fund in 10 days once approved. The app allows its users to divide the said amount into portions allocated into different accounts or to fund one’s credit card quickly to avoid damage suffered on one’s credit score.

Lodefast Check Cashing App

This app also allows you to cash check online and access your money anytime without having to wait in queues or drive to a physical location or bank. The app is famous for being very easy to use. They charge processing fees, which range from 3% to 5% of every check you cash with them. 

The Check Cashing Store

The check-cashing store guarantees financial control at your fingertips. With this mobile app, you can always deposit your checks straight into your bank account or any personal Visa, MasterCard, Discover, or prepaid Debit card that you prefer to use. But to do that, you have to follow the pre-requisite, which is to snap the front and back of the check and follow the prompts, after which you are notified when the cash gets approved. With the Check Cashing Store, you also are afforded the license to view your transactions from time to time so you can know your balance and adjust your spending habits accordingly. 

Top-Tier Banking Apps

One major feature of top-tier banks is that they constantly find ways to make life easier for their customers, most banks like Chase Bank are very tech-savvy and leverage fin-tech to make transactions smoother and improve their banking services for clients. When the picture of the check is uploaded and lodged in a Chase Bank app, if uploaded before 11.00 pm EST, barring any irregularity, one will be able to access the cash the following business day. However, if there is an irregularity, for instance, if the check is not uploaded properly or there is a fundamental problem with the check itself, there might be a delay. This is free of charge if you have an account with any of these banks. Other banks that offer similar services through their apps are Bank of America, US Bank, Wells Fargo. 


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In sum, the best medium of cashing checks online remains the banks processing through your accounts as it is 100% free. If you don’t have an account, you can always use any of the mobile apps offering such services. However, bear in mind that you must do well to evaluate your available options as you do not want to be charged more than you can afford.  

Top Online Personal Loan Lenders

Here are a few websites that offer personal loans to help you get the extra money you need.

SuperMoney: Best lending network for 600+ credit scores
Even Financial: Offers loans from top lending providers
Loan Pioneer: Offers hassle-free financial assistance
LendingTree: Best for providing a variety of loan options
Credible: Offers student loan refinancing, private student loans & personal loans
MaxLoan365: Offers term loans between 12 to 60 months Offers network of reputable lenders
Loans Under 36%: Offers loans for a variety of uses

Remember to borrow responsibly.

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