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About Ingo Money – Cash Checks Fast

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, buy an Amazon.com Gift Card* 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 Android 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.
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* Restrictions apply. See details.

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, MetaBank® and The Bancorp Bank; (2) PayPal™, PayPal™ for Business and PayPal™ Prepaid MasterCard® accounts; (3) Amazon.com Gift Cards; and (4) most prepaid cards, including Chase Liquid®, Wells Fargo EasyPay®, Regions Now Card®, BB&T MoneyAccount®, NetSpend®, Green Dot® Prepaid Debit, Walmart MoneyCard®, H&R Block® Emerald Card®, ACE Elite™, RushCard®, AccountNow®, 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.

The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review 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.

Designated trademarks and brands are the property of their respective owners.
© 2017 Ingo Money, Inc. All Rights Reserved.

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Frequently Asked Questions(FAQ)

What can I do with the Ingo Money App?

With the Ingo Money App, you can cash paychecks, business checks, personal checks, and almost any type of check. You can choose to receive the money in minutes in your bank, prepaid card, or PayPal accounts. You can also use the money to pay credit card bills, buy an Amazon.com Gift Card, or split a check and fund multiple accounts.

How do I get started with the Ingo Money App?

To get started, you need to create your Ingo Money profile right in the app. Then, you can link your bank debit card, prepaid card, PayPal account, and credit cards. To cash your check, you simply need to 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.

Which financial accounts can I use to fund transactions with the Ingo Money App?

You can use 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, MetaBank, and The Bancorp Bank. You can also use PayPal, PayPal for Business, PayPal Prepaid MasterCard accounts, Amazon.com Gift Cards, and most prepaid cards.

Can I use the Ingo Money App to pay retail credit card bills?

Yes, you can use the Ingo Money App to pay retail credit card bills from thousands of retailers, including Walmart, Target, Costco, Home Depot, Lowe's, BestBuy, Gap, and Old Navy.

Which mobile banking apps can I access the Ingo Money service in?

You can access the Ingo Money service in dozens of mobile banking apps, including American Express Serve and Bluebird by American Express.

How long does the approval review process for checks usually take?

The approval review process usually takes 3 to 5 minutes but can take up to one hour.

What fees apply for Money in Minutes transactions?

Fees apply for approved Money in Minutes transactions funded to your card or account. The specific fees, costs, terms, and conditions can be found in your Cardholder or Account Agreement.

What happens if my check is not approved?

If your check is not approved, it will not be funded to your card or account.

Who provides the Ingo Money service?

The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc. It is subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy.

Are there any additional transaction fees or costs associated with the funding and use of my card or account?

Yes, there may be additional transaction fees, costs, terms, and conditions associated with the funding and use of your card or account. You can find these details in your Cardholder or Account Agreement.
author
Very good, very timely and effortless
Duane Hogge
author
Great for no lines at the bank
Marshall Holland
author
This app is seriously amazing, I've never had a problem!! Love it
Erin Kloeppner
author
Awesome
shaun ernst
author
Fast , easy and worked the first time, and I was able to link my greendot, check card, and for a small fee have my funds transferred to my card..in just a few minutes.
Brian Hayes
author
Took less than 13 hours for me to get approved with money on my card. Real talk this app is hard
Sung Yoon