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Getting a check isn’t the most convenient way to get paid. Direct Deposits, PayPal and other sites like PayPal are much faster, right?

Yet many companies, organizations and individuals still choose to pay by check.

There are obviously many ways to cash a personal check near you, going to the bank for example. Getting down to the bank can be a pain, so if you’ve got a check you need to cash, you might be wondering if there’s a way you can do it online.

If you’ve ever wondered how to cash a check online, you’ll be glad to know that there are actually plenty of options available to you.

Can I Actually Cash a Check Online?

• Time from sent till received: Instant. As we covered in our guide to.
• ¹ Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account.
• How long does it take for Chime mobile check deposit? Chime usually deposits the check amount in your account as soon as it clears the process. It mostly depends on the originating bank as Chime bank won’t hold any type of deposits. So, it’s better to wait up to a period of 7 days and if still, the money doesn’t appear in your account.
• Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card.

While cashing a check online is totally possible, it does differ slightly to when you cash a check in-person.

Just tried to deposit my stimulus check through the mobile deposit. Few hours later got a rejection and an email saying we’re unable to verify the check submitted. You can still attempt to cash at another bank. But do not attempt to redeposit it. But the problem with this is that I wrote on the back “for deposit to chime only”.

When you take a check into a physical location like a bank or check cashing store, you can get cash on the spot. So you literally “cash” the check.

On the other hand, when you come to cash a check online you’re not “cashing” it per se, you’re depositing it into your bank account.

This means if you’re looking for cash you can hold in your hand right now, then you’ll need to head into your bank or closest check cashing place.

However, if you are cool with having the funds deposited into your bank, then cash your check online instead.

Chime Bank Deposit Paper Check

It’s so convenient. You don’t have to head out anywhere. You can do it right from your computer or even your phone!

Amazing, right?

Where to Cash a Check Online Now

We all know that trying to actually get to the bank during open business hours is so hard – often by the time we’ve finished work the bank is closed. So you have to trudge on down there at the weekend and who wants to do that?

That’s why cashing a check online is such a good option.

Thankfully, there are lots of places where you can get a check cashed online. Some of these places also let you cash other forms of payments. You can even cash a money order. It’s pretty easy to do as well.

Here are the best places where you can deposit a check online.

1. PayPal

• Fees: No, but there’s a ten day wait or you can pay a fee to get the money in minutes

Since most of us do have a PayPal account anyway, it’s definitely an option to consider.

PayPal has a Cash a Check service in the PayPal app. It allows you to cash checks and have them credited to your PayPal Cash Plus account. (If you don’t have a PayPal Cash Plus account already, you’ll be asked to set one up.)

It’s really easy to do as well.

• Take a photo of the check you want to cash.
• Send it to PayPal for review.
• If it’s approved, you can get the money sent right to your PayPal account in minutes. However, if you want the money in minutes, you do need to pay a fee.
• If you don’t need the cash right away, then you can choose to get your money in 10 days with no fee.

So it’s great that PayPal gives you a couple of options here.

• Learn more about cashing a check with PayPal here.
• Download PayPal for Android devices here.
• Download PayPal for iOS devices here.

2. Ingo Money

• Fees: No, but there’s a ten day wait or pay a fee to get your money in minutes

Next on the list we have Ingo Money.

With it you can cash paychecks, personal checks, business checks and more. The best part is that you can get your money in minutes.

It’s really easy to cash a check with Ingo Money.

• Just open up the app.
• Take a photo of the front and back of your check.
• Choose when you want your money, and where you want your money to be deposited. You can get your check sent to your bank, prepaid card, or PayPal account.
• Submit your check for review. The review process usually takes just a few minutes.

You can get the money in minutes, but you will be charged a fee.

Or you can choose to get the money in 10 days for free.

• Download Ingo Money for Android devices here.
• Download Ingo Money for iOS devices here.

3. Chase App

• Fees: No

Chase has an app you can use to deposit checks. It’s super easy, working in much the same way as cashing one with PayPal or Ingo Money.

Basically, you take a photo of the check, follow the on-screen instructions, and have your check deposited into your account.

The service is called QuickDeposit and there are no fees for using it.

Deposits that are submitted before 11pm Eastern time on a business day are usually available by the next business day. Deposits that are submitted after 11pm or on a non-business day will be processed the next business day.

• Download the Chase App for Android devices here.
• Download the Chase App for iOS devices here.

4. NetSpend

• Fees: No, with a 10 day wait or fees charged for expedited deposits.

Next on the list we have NetSpend. It’s an organization that offers a selection of prepaid debit cards.

And, of course, it provides check cashing.

NetSpend allows you to cash checks to your card using its Mobile Check Load feature.

All you need to do is get the app, take a photo, and follow the on-screen instructions – so again it works in much the same way as the apps above.

This is another one that allows you to cash a check for free if you’re willing to wait 10 days to get the money. Otherwise, you may be charged a fee.

Here’s where to get the app:

• Download NetSpend for iOS devices here.
• Download NetSpend for Android device here.

5. Bank of America App

• Fees: No

You can use the Bank of America app to deposit checks, which is great.

Most of these apps work in a similar way. And this one is no different. You’ll need to take a photo of the check and follow the on-screen instructions in the app to get your money.

You can cash lots of different types of checks with the Bank of America app, including:

• Personal checks
• Business checks
• Government/treasury checks
• Cashier’s checks

Checks that are received by the cutoff time (9pm ET and 8 pm PT) on a business day are generally available in your account on the next business day.

There’s no fee charged by Bank of America to use the Mobile Check Deposit feature.

Learn more about cashing a check with the Bank of America app here.

Here’s where you can get the app:

• Download the Bank of America app for Android devices here.
• Download the Bank of America app for iOS devices here.

6. Chime App

• Fees: No

Chime provides mobile check deposits to members who receive payroll direct deposits of more than $200 a month.

Mobile check depositing will be automatically enabled in your Chime app 30 days after you receive your payroll direct deposit.

• Download Chime for Android devices here.
• Download Chime for iOS devices here.

7. US Bank App

• Fees: No

Next we have the US Bank app. With it, you can deposit checks 24/7. All you need to do is take a photo of your check and follow the instructions to get your cash.

If you make a deposit by 9 p.m. CT, the balance is usually posted to your account the following business day.

• Download the US Bank app for Android devices here.
• Download the US Bank app for iOS devices here.

8. Wells Fargo App

• Fees: No

Wells Fargo is another bank that has an app you can use to deposit checks.

Again, you’ll just need to take a photo of the front and back of your check, and follow the instructions to cash it.

With the app, you can deposit personal, business, and most government checks.

Mobile deposited funds will become available on the day after the deposit credit date.

There are no fees for Wells Fargo Online and Wells Fargo Business Online customers to use the mobile deposit feature.

• Download the Wells Fargo app for Android devices here.
• Download the Wells Fargo app for iOS devices here.

9. Green Dot App

• Fees: No

Next on the list we have the Green Dot App.

Green Dot is an app that’s designed to help you to manage any Green Dot debit card or bank account. And you can even cash a check with the app.

This one allows you to deposit lots of different checks, such as:

• Personal checks
• Payroll checks
• Insurance agency checks
• Money orders
• Cashier’s checks
• Rebate checks
• Stock dividend checks
• Tax refunds
• Federal, state and municipal government checks

And you can deposit checks right from your phone.

Just take a photo of the check and then follow the instructions in the app.

Mobile deposits can be in your account as fast as one business day, but some checks may take up to 5 business days.

There are no fees charged to deposit checks into your account.

• Download Green Dot for iOS devices here.
• Download Green Dot for Android devices here.

10. First Midwest Instant Check Cashing

• Fees: No

With First Midwest Instant Check Cashing, you can deposit almost any type of check, such as:

• Personal checks
• Payroll checks
• Business checks
• Insurance agency checks
• Cashier’s checks
• Money orders
• Two party checks
• Traveler’s checks
• Rebate checks
• Stock dividend checks
• Tax refund checks
• Tax preparation firm checks
• Government tax refund checks
• Federal, state and municipal government checks

You can get instant access to your money, whether you have a First Midwest deposit account or not.

With the First Midwest app, you can deposit checks with your phone.

• Download the First Midwest app for Android devices here.
• Download the First Midwest app for iOS devices here.

11. GoBank

• Fees: No

GoBank offers no overdraft fees on its accounts, making it a great option for many. It provides mobile check deposits through it’s app. So you can cash checks right from your phone, and all you need to do is take a few photos of the check.

In order to start using the mobile deposit feature, you need to activate your card and your account must be active with recent recurring payroll direct deposit activity for at least two months.

Once you’re eligible, you can start cashing checks through mobile deposits. The money could be in your account in as fast as one business day, but some checks may take up to 5 business days.

There are no fees charged to deposit checks into your account, which is awesome.

You can cash lots of different checks, such as:

• Personal checks
• Payroll checks
• Insurance agency checks
• Money orders
• Cashier’s checks
• Rebate checks
• Stock dividend checks
• Tax refunds
• Federal, state and municipal government checks

Here’s where you can get the app:

• Download the GoBank App for iOS devices here.
• Download the GoBank app for Android devices here.

12. Santander Mobile Banking App

• Fees: No

You can use the Santander Mobile Banking app to deposit checks.

All you need to do is take a few photos of the check and follow the instructions in the app.

Deposits received after the 10p.m. ET cut off time will be considered as received on the following business day. So do keep that in mind. Now, it’s totally free to use the Mobile Check Deposit feature.

• Download the Santander app for Android devices here.
• Download the Santander app for iOS devices here.

13. ACE Elite

• Fees: No with a 10 day wait or pay a fee to get your money in minutes

The Ace Elite Prepaid app allows you to load checks right to your account. And like with many of the apps on this list, all you need to do is take some photos of the check.

You can have your money deposited within an hour, but you will be charged a fee. Or you can choose to wait 10 days and get your money for free.

• Download the ACE Elite app for Android devices here.
• Download the ACE Elite app for iOS devices here.

14. Brink’s Money Prepaid

• Fees: Yes if you want your money in minutes

Finally, we have Brink’s Money Prepaid.

It’s another prepaid card account that comes along with a check cashing feature.

If you enroll in direct deposit, you can deposit checks without having to wait in line. You can cash paychecks, and benefit checks with it.

With the Brink’s Money Prepaid app, you can load checks right from your phone using mobile image capture.

If you want your money fast, then you may be charged a fee for the transaction.

• Download the Brink’s Money Prepaid app for Android devices here.
• Download the Brink’s Money Prepaid app for iOS devices here.

It’s important to note that although many of the apps above don’t charge you a fee to deposit your check, there may still be wireless carrier fees charged by your service provider. So do make sure you check with your service provider to see if they do charge any wireless carrier fees.

Happy Getting Paid!

Nowadays, you don’t have to worry about getting to the bank (when it’s actually open!) and waiting in line to cash a check. No, now you can easily cash checks online and there are so many options for doing so!

Most banks now offer a check cashing service through their apps, so you can cash checks right from your phone.

Even if your bank didn’t appear on our list, it’s definitely worth checking if they have an app that you can use to deposit checks from your phone.

And keep in mind that even if your bank doesn’t provide an online check cashing service, you can still use websites like PayPal and Ingo Money to deposit your checks.

Next time you’re wondering how to cash a check online, it’s good to know that you have plenty of great options out there, and many of them are totally free to use!

Learn how to perform a mobile check deposit at the many places that allow for such deposits.

First, we define what mobile check deposit or loading entails before outlining the specific steps on how to carry out the process.

You will also learn more about fake check deposits, fraud, and penalties for handling fake checks.

Contents

• How do mobile check deposits work?
• Mobile deposit fake check – Fraud & Penalties
• FAQ on Mobile Check Deposit

What is a mobile check deposit?

The mobile check deposit is a smart feature that enables people to easily and conveniently deposit their checks from their geographical locations.

You do not have to travel long distances to an ATM or bank branch to receive these services. However, for one to do that, he or she must have either a tablet or a smartphone with an app of their preferred bank.

How do mobile check deposits work?

The process of depositing your checks using this feature is as simple as taking a selfie using your phone.

A picture displays all the physical traits of a given object, and therefore, enabling the bank apps software to process the checks, once the images have been uploaded.

All you have to do is capture the back and front of your check. The picture of the check has to show both the front and back features for it to be processed effectively.

It is also one of the approaches to confirming that indeed the check is yours.

An individual may secretly take a picture of other people’s checks and upload only one side; so, if one side is acceptable, it will facilitate the theft of checks.

After you have uploaded the image of your check, you are expected to select the bank account where to deposit, enter the amount, and approve the details.

The amount entered has to match what is written on the check. For instance, if it is $3,000.00 on the check, the keyed-in figure must be $3,000.00.

Before, submitting the check for processing, you are required to confirm the details. Affirmation of the details assists in the elimination of the possible errors, which could delay the process of depositing your check.

It also removes the possibility of having the money deposited in the wrong bank account.

Lastly, after completing the above steps and have submitted the check, you will receive a notification informing you whether or not your check has been deposited.

If the check is rejected, you will be given a chance to review and repeat the steps above to deposit your check.

However, if the check is rejected completely, kindly contact the customer care of your bank for further details and assistance regarding their mobile check deposit services.

How does a mobile check deposit work at Bank of America?

For you to enjoy the banking services through your smartphone or tablet, you need to download the Bank of America app. You can get the app through this link here.

After downloading the app, you should install and register by opening the app. Once you have done that, you can deposit the check by taking the front and back of your check, enter the account and then tap ‘make a deposit.’

How does mobile check deposit work Wells Fargo?

As their customer, sign on to your Wells Fargo Mobile application, then upload the front and back of your check, enter the amount you want to deposit as written on the check, and submit for processing.

How does mobile cheque deposit work at RBC?

The RBC Mobile app is available at the App Store and Google Play, or one can send a text “RBC” to 722722 and the bank will send you the link.

Once you have the app, all you need to do is sign the front and the back of your check, take images, upload, and submit the correct detail for processing.

How does Chime’s mobile check deposit work?

The Chime application is available for Android and iPhone smartphone users. Once you have installed the app on your phone, you can deposit checks from any part of the world.

However, you must ensure the check pictures and details are correct and clear to prevent the cancellation of the check.

How does the PNC mobile check deposit work?

At PNC, clients are allowed to deposit checks through their smartphones. The customer care team is always accessible to guide clients on how to do it.

However, the process is simple, as one is only required to send the picture of their correctly filled checks for processing.

How does Citibank’s mobile check deposit work?

Customers using the Citibank app are expected to only key in the details of their check as it appears in the images of their checks and submits them for processing.

The process takes less than 30 minutes before the check is fully processed and confirmed.

How does Fidelity mobile check deposit work?

On the Fidelity mobile app, you are required to tap the ‘deposit checks’ option and follow the steps to successfully deposit your check from your locality without having to visit the bank.

However, if the pictures of your uploaded checks are not clear, the process may be canceled.

Mobile deposit fake check – Fraud & Penalties

Counterfeit checks are usually rejected instantly after confirmation. Individuals can engage in these illegal activities by stealing checkbooks and making fake stamps.

In other instances, individuals can steal checks and attempt to deposit them through mobile apps, and giving false information, hoping the process will be successful.

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

I deposited a fake Check into my Account (or an ATM)!

Attempting to deposit a fake check into your ATM or account will raise integrity questions about your business and your account may be blacklisted or closed indefinitely until the investigation concerning the matter is complete.

Penalty for Depositing Fake Check

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

FAQ on Mobile Check Deposit

The following are the questions that are mostly asked across the various platforms about mobile check deposit

Can I deposit a Scanned check?

Yes, you can deposit such a check, but not all banks allow it. So, confirm with your bank by contacting them through their customer care service number.

How does remote deposit capture work?

Deposit Cash Chime

The remote deposit allows you to snap or scan the image of your checks instead of moving the physical checks around. It happens through an encrypted internet connection to avoid the loss of sensitive information and checks.

Can you go to Jail for depositing a Fake Check?

Yes, you can be jailed as long as it is proven that you intentionally deposited the fake check. Therefore, you need to be careful when depositing checks.

References on Mobile Check Deposit

• 1: What is Mobile Check Deposit?
• 2: Mobile Banking App for iPhone and Android
• 3: What is Remote Deposit Capture?

Chime Mobile Check Deposit Limits

READ: Mobile check deposit availability at Chase ATM