Ingo Money App - Cash Checks Reviews

by Charles62393

Trying to cash my check to make my final rent payment of the month. Customer service is non existent . I contacted the chat- they took forever to answer (10-20 min) and then terminated the conversation if I took more than five minutes. I ended up speaking to three different people, leaving my callback number on the customer service line twice, & even as I saw that they COULD solve my problem, they wouldn’t. & there’s no one to complain to. So now I have to rush to have my check reissued (since they told me to write VOID in big black letters before they told me it wasn’t approved) & hope I get it in time that my landlord doesn’t start with me. Don’t play with your money. Don’t download IngoMoneyApp.
Update: they tried to get me to “update my review” after trying to send me to the same abysmal customer service, I never received a call back although I left my number several times, & they don’t even know my problem was resolved days ago. I’d laugh but it’s not funny.

by Marshaljr15

If you’re wanting your money fast instead of waiting, this is NOT IngoMoneyApp for you. UNLESS you’ve uploaded a check and waited the 10 days and then want to cash the check from the same place, then it will allow you to cash it instantly. My work messed up on payroll and my direct deposit did not go through. So my company over nighted an actual check. We use ADP and it was official and printed just fine. They (of course) declined to cash the check. The first is this Friday and instead of helping you, they copy & paste a standard response for them declining the check. The check is legit. They really need need policies or better people checking checks that are uploaded. The only way to talk to someone in their customer service is a Facebook message OR their chat option on their website. You can’t actually talk to anyone. How any business works with them is beyond me! It’s very frustrating.

by AWilliams102744

I tried to cash a $200 check with them on 12/5. They said it was accepted and I just needed to write VOID , soon as I did that, I was told they could not deposit it. I was left with a check I could no longer do anything with. I called the issuer and it was confirmed they indeed CASHED THE CHECK and never sent me the money. I’ve Ingo called 6 times, waited over an hour each time, even spoke with a manger who claimed I would need to resubmit the check and it was never cashed when it was, I tried again and it immediately denied. The check issuer was gonna send another, but couldn’t cause they have the money and have not sent it back!! It is now almost a month later and nothing… not a dime. Ingo keeps claiming they never cashed it and they DID. They stole my money pretty much and I WILL be filing a lawsuit for it and advise anyone else in the same boat to do the same cause you will not get anywhere with them. People, do noooot risk your money with them. I wish I read the reviews, but you don’t think things like this would happen in 2021 from a “ bank” many apps use to cash checks.

by Thaney92

I’ve used Ingo for months now. Maybe the better part of a year. I had a check given to me that I was unaware had my name misspelled.

I attempted to contact the company via email, had no response. I engaged in a chat on their website, which resulted in me being told my account would be reviewed and I would hear back about their findings, I got no such correspondence. I then initiated another chat on their website, where I was informed all of a sudden that my account was completely closed. Which happened with no notification to me! I proceeded to ask why and wanted an explanation. They said “my check presented an elevated risk”. But none of the other checks I cashed from the exact same establishment were ever a problem. I asked her to be less vague and got the response “we can’t go into further detail”. She couldn’t tell ME about what was wrong with MY account. And the lady chatting with me put no further effort into trying to resolve the problem or inform me as to how I can approach it to get it resolved.

I have no issue with the fact that a misspelled name was flagged, but I have multiple issues with the lack of effort to resolve the issue with someone (Rhonda) who claimed to be on the Customer Service leadership team!

by Dan.c.b

I wish I could give zero stars. I have tried for the last two days to deposit a check into my account with no success. The check is legible and filled out as clear as day. Somehow their software or camera is so bad that it won’t process the image. It’s too bad that my bank only uses InGo for online deposits. I reached out to my bank with these frustrations and they said they will be reviewing their business relationship with InGo due to all of the terrible reviews and poor service. I have tried numerous times to reach customer service via email and by phone and have not been able to speak with anyone. Just look at their twitter page and the only posts you will find are from customers who are having the same troubles as I am only to get a generic pre typed response from this company stating they are sorry for the inconvenience. Horrible customer service with zero human contact and horrible software that can’t complete a simple task like taking a photo. Do not trust your hard earned money with this company, very shady.

by Brapz!

...there’s definitely a reason why there’s so many. I knew I was going to be getting my end of the year bonus sent to me via paper check. I wanted immediate access to my $ instead of waiting for a day or over the weekend for my money to be available to me. I downloaded IngoMoneyApp & set up my account with no issue. I linked my debit card & PayPal account with no issue. I reviewed the criteria for a check to be approved several times to ensure my check would meet each & guess what? My check still wasn’t approved. The images of the check were clear, it was endorsed, same name, etc. It was an ADP payroll check from my company, issuing bank is USBank. I’m not sure what they’re looking for but I’m curious to know what checks do end up getting approved. And judging from the reviews, this seems to be a pretty normal occurrence. Providing customers with some visibility as to why their checks are not approved would be very helpful.

Part of me thought this kind of service was too good to be true and I ended up being right. It’s too bad, because it’s a wonderful idea.

by Rudy72

I’ve used Ingo several times in the past without issue.

However the most recent attempt was my last. I attempted to cash a check at 4:40pm AZ time using their “Money in Minutes” option with a $16 fee. It does mention at the bottom that usually check process in minutes but can take up to an hour.

I wait over an hour and a half without response. I then had plans to see a movie so I didn’t check my phone for about two and a half hours. Upon checking my phone I see that the check was approved about 20 minutes after the movie started and about 10 minutes before it ended they cancelled/declined my check since apparently I took too long to “VOID” it out. I then try resubmitting my check but am told via IngoMoneyApp that I cannot resubmit this check since it was previously cancelled. So now it’s 9PM and I never got my “Money in minutes” but I definitely did get disappointed with Ingo and will never be relying on it for my check cashing in the future.

by Glubgogagola

If I could give zero stars I would. Ingo Money advertises themselves as being able to quickly put money into your account via mobile deposit check cashing. In reality they can do no such thing. I tried to deposit a rather large check with them and after initially accepting it, a few minutes later I got notification saying it was declined. I tried 2 more times and got a message saying I would have to wait 10 days before I could try again. Of course the customer service number only reaches an automated service and no human representative to talk to. The person on their chat line was also useless. I was told they could not “assume the risk of cashing the check”. This was a check from a reputable business for services rendered (not a personal check). I really feel a class action lawsuit should be in the works here as 1) they are using false advertising and 2) they get your social security number and personal information yet do not fulfill their commitment to you as a financial institution which is fraud. PLEASE DO NOT USE INGO MONEY!

by Katielovesyou46

I used IngoMoneyApp for about 2 years and it has always worked so fast and easy for me even with 1,000 dollar checks no problem but then one day I got my 600$ stimulus check and I thought okay no problem they should be able to cash it because they easily cashed all my other checks (I’ve cashed about 15-20 checks with them within 2 years and they all have been approved and went very easy and smooth for me got my money in mins) so I take a picture of my stimulus check from the IRS and do everything to have my stimulus check deined without an explanation AND to find out my account is permanently closed due to my recent transaction doesn’t met their risk criteria. I’m very angry and upset that a check from the IRS is a reason to closed my account permanently and I’ve cash many many GOOD AND APPROVED checks with them in the past. I was a good loyal customer who talked very highly of IngoMoneyApp and recommend IngoMoneyApp to everyone since covoid happened. I always had no problem paying the extra fee for u guys because of how awesome it was and now I’m just confused on why my stimulus check from the irs is now the reason i can never use IngoMoneyApp again.

by Tortuga.

OK so I downloaded IngoMoneyApp because I wanted to be able to instantly have access to my money from my check. The process was very self-explanatory, and it really didn’t seem like they would be much of an issue. I looked at the reviews before I got IngoMoneyApp and it kind of turned me away from it but I decided to give it a chance anyways. Now I’ve been using IngoMoneyApp for about 2 to 3 weeks, and it works great. The ONLY issue I ever have is that I guess they can’t read the pictures because it always says that it can’t read the bottom of my check. Now this happens maybe two or three times and yes, it is annoying. BUT, after the third try check goes through and after you use IngoMoneyApp a few times, you can cash your check almost instantly because all the verification process is over with. I give IngoMoneyApp three stars mainly because of that issue, but once they fix it and I can take one picture one time and cash my check right there, believe me that 5 stars have been earned. So all in all, great app because it actually performs the function that it was created for, it’s just something you have to try a few times for the sensor to pick up the whole check. Hope this helps!

by GeminiJim78

After spending half a day trying to use the cash a check feature through the PayPal app, and it just spinning and spinning (the infinite loop of death, going one time for 30 minutes until I manually canceled it). I did some research about known issues with this particular feature of IngoMoneyApp . This is where I learned Ingo is their 3rd party vendor for this service. I found them in IngoMoneyApp Store and what PayPal couldn’t get done for me in approximately 13 hours of on and off attempts (honestly in that time frame, I tried no less than a dozen times to just open the check cash feature in PayPal) the Ingo app took TOTAL 8 minutes and that includes my registration for the site, validating my email and the actual check review itself. It’s a straightforward app, clean, clear and well built. You know what you’re doing at all times. Very Happy.

by Jordan Lil Mama

This is a wonderful app. I love that I can cash any checks I receive from anywhere, may it be at home, the grocery store, or even on the road traveling. It’s quick, accurate, and very simple to use. I haven’t had not one problem with it yet. The only reason I give it 4 stars instead of 5 is because (this was the only downfall), when you first sign up, the verify your identity process is super slow, or at least it was for me, it took about a week and a half to two weeks from the time I created the account until the day I finally got verified. Also it denied my husband because it couldn’t verify his identity, but his id dead on matches all his info... 🤦🏼‍♀️🤷🏼‍♂️. Anyways other then that it is a fantastic app and I absolutely love it!!

by Emsakittypoo

I had recently posted a critical review, and now I cannot got back and delete it. They ended up solving the issue and making it right again and I feel bad for leaving that review. I panicked cause I couldn’t get ahold anyone and it’s money we are talking about, so I’m order to get attention to solve my issue I left a harsh review. There was a system error and after they accepted my check and I wrote void on it the money couldn’t transfer into PayPal cause of system issue and I panicked cause the check had void wrote on it. Within 72 hours the money was in account and they did come around and reached out to me and fixed the tech glitch. They aren’t that bad. They fix there malfunctions and made it right.

by Ctamalis

I had an issue with how I voided my check. Rhonda helped me through the chat option on the website. It was completely my fault that the check was not accepted. I was in a state of panic. Rhonda resolved my issue quickly and with patience. This could have been very difficult for me to resolve and required a stop payment on the check and for it to be reissued. I greatly appreciate that Rhonda worked to resolve the issue immediately. I am very grateful. I would recommend this service to anyone. I will not hesitate to continue using it. Good customer service is hard to come by. Dealing with me in my panicked state was not fun, I am sure. I learned a very valuable lesson, it is possible to over void your check, I do not recommend using a sharpie. I have piece of mind and I am not stressed anymore.

by Gr8ful_Steveman

Since I don't have an actual bank and i use Chime for my debit /savings cashing a check is impossible without having direct deposit. IngoMoneyApp comes in handy because it can cash anything from personal checks to ones from your job....the only downside is in order to get your money instantly its a $5 fee, wish it was a percentage instead of a flat $5....if I'm cashing a $10 check (not a lot, but an example) it would only be $5 after the fee, unless u want to wait 10 days to get your money without a service fee......only thing I suggest is to lower the service fee or do a percentage instead.....other than that IngoMoneyApp rocks especially if u don't want to drive to the bank or you want your money instantly on your card!

by Tricia Barista

I have had IngoMoneyApp for a few years, never had any issues until now, which was my mistake (not updating my expiration date - duhhhh) so I sent emails here and there with minor resolution and then was asked to call in their most recent email to me, and boy was I lucky because I spoke with a lovely young lady named Rhonda and she immediately fixed my issue!!! Less than 10 minutes and my 2 checks were released in addition to her letting me know what the issue was (again, my doing:)). Now let me tell you, me and CS normally dont get along but this lady Rhonda was very professional, super attentive, and got her tech team to fix my issues immediately! It was a great experience overall. If you are looking for a great money app, that comes with great tech service and AMAZING CUSTOMER SERVICE (shout out to Rhonda!) then choose Ingo Money App!!!

by Xtrvdu

They say your check is approved but it never actually gets deposited into your account. I wanted the 10 days; nothing. Called them today and the women I was speaking with told me they are unable to approve it. I don’t even know if this check is even valid to take too a bank now. It’s truly upsetting that a “professional” business like this, acts so unprofessional. Fix your system then maybe all your views won’t be negative. If you ask me, stick to the bank or your local check cashing place. They don’t know how to conduct business with someone else’s money. Not to mention the customer service was sooooo bad! I asked for the woman’s supervisors name so I could report it; she tells me she has many and she can’t do that.....bruh what? Fam let me tell you, just don’t waste your time with this trash system.

by Cjthadon

On a lazy saturday morning i awake at a late time to realize that i cant go to the bank or cash my check at walmart due to my id being expired...😒😒 bummer. Started looking for ways to get my money instantly and happened to stumble upon the ingo app. Read the bio, called customer service prior to using IngoMoneyApp to clarify that i would get my money in minutes, lady on the phone confirmed yes, never got her name she was helpful though, anyways i follow through with everything IngoMoneyApp says and voila! Whattya know, for once in my life something works out, although you have to pay quite a fee (i paid a little over 20$ out of pocket) its nice to know that i was able to get my money fast and easily! IngoMoneyApp def does work for some! Five stars for u. Thank you for helping someone in a time of need!!!

by Ms. N Johnson

The BEST! I found out about Ingo via my PayPal Business app. I was having difficulties with mobile deposits for business checks and decided to call Ingo directly. Once I explained the issues I was experiencing; the Ingo reps immediately recognized the problem and remedied the situation. The reps I initially spoke with- Chiquita (she actually spoke with me three times in one evening and called me back after one of our calls dropped) and Thomas were not only thorough; but they were fully committed to making sure I received exemplary service, even though I was calling them due to an error via another vendor. After I experienced such great service I downloaded the Ingo app and had to call one more time to make sure I set my account settings correctly and spoke with Kieyara and she also was amazing to work with. As a small business Owner it’s rare to encounter such accommodating customer service and a quality of professionalism that exceeds any normal expectations. Thank you all!

by JF Ann

Several years ago I was working somewhere that I was unable to use direct deposit through my own personal bank account. We were offered a pay card through the payroll service. The payroll service bank card works hand-in-hand with the Ingo check cashing app! As long as the check you are trying to cash is One of the approved types of checks listed on the Ingo app, there’s virtually no issues that you run into. I love being able to get a check in the mail and have it in my account within a minute or two. The fee is so small for the safety and convenience it’s worth using the service for all checks that are accepted by Ingo. In today’s COVID-19 world we live in with the pandemic and all of the safety precautions put in place for social distancing and no contact etc. etc. Ingo has made it possible for many people to have the capability to cash checks. Thank you Ingo!!!!

by Zoe Maerie

To start, I was given a personal heck by a friend and needed a way to load it into my prepaid card. Said card advertises on its website for INGO, so I thought that was the clear first option. Wrong. My check was approved but for some strange reason they can’t load it to the account. When I attempted to call customer service, I was placed on hold and promptly hung up after a few minutes. Their hold music? A robotic voice that announce that you’re on hold every 30 seconds. I finally got in contact with someone online through their chat who assured me that they would escalate it to technical service and it would be resolved within 2-4 hours. It’s the next day and I still don’t have my money??? I’ll have to call customer service yet ANOTHER time and hope the next person will take me seriously enough to put the funds on my account so I can PAY MY RENT

by That Guy Ayyyyy

After signing up for this thro PayPal giving them my SSN. DOB. Phone number. Address. Pretty much enough info to make a clone, I go to use it and the first time wouldn’t read the check. Weeks go past go to use it on another check, “Can’t Identify me” idk how, they have info about me I didn’t even know about. Call there service I get handed off to 10 different people to only have them tell me I have to “call this number” you call it’s a robot voice asking for my SSN so like the idiot I am trusting a app PayPal offered assuming “hey it’s PayPal there like the body Guards of the online money transaction’s” I give my SSN and DOB just to have it say your account has been canceled (or something like that) so basically feel like I been F$&@ed. Can’t believe PayPal would let some sketchy stuff like this happen. I’m waiting for them to blame the Russians... so morel of the story DONT USE IngoMoneyApp!!

by Kiwi Mini

I wish I could give IngoMoneyApp 0 stars. I got IngoMoneyApp because it was compatible with my bank for mobile check depositing. I went to cash a printed check from poshmark and I got an error. So I waited it out. With hearing nothing back for a month I cashed the check elsewhere. When trying to cash yet another check it said they couldn’t connect to Ingo Money. So I decided maybe it’s my password. After waiting for emails to reset my password I never got one. So I contacted customer service where they continued to tell me I don’t meet their “requirements” after reviewing my registration info and my check image etc from a month or two ago. So because they couldn’t cash my printed check they closed my entire account and said they couldn’t activate it to begin with. When I already had IngoMoneyApp and was already activated. The whole thing is a joke and I would never recommend IngoMoneyApp or the company in general.

by Wednesday Eh

TLDR; SCAMMY GARBAGE, DON’T BOTHER

I decided to use IngoMoneyApp directly, since its the same cashing service PayPal uses, to cash a Christmas check from a relative. After going through the whole setup (SSN, add a bank account, etc) and taking photos of the check, they declined to cash it for unspecified reasons and closed my account. I tried contacting customer support for more information because that was weird (no email, no reasoning, just “this account does not exist”. Ok, I have verification emails from you but whatever) only to find out they don’t have humans to talk to! And their chat is definitely either a bot or bad outsourcing. I should have looked up the reviews for IngoMoneyApp before using it because its apparently trash. I feel like I was just scammed out of my personal information, and they have the bank information off someone else’s check. I’m appalled Apple certified IngoMoneyApp for the store, and disgusted PayPal wound use some hack job “banking” company for their services. SCAMMY GARBAGE.

by Kelw1961

Ordered Amex Bluebird cards for my husband and myself to use the free 10 day free check cashing feature by INGO by using mobile capture or some bluebird linked feature to cash insurance checks. I did not have INGO app downloaded on my mobile devices till recently. I cashed a few small checks no problem in the past. Now my husband who just got a bluebird card account tried to scan his insurance check on my iPhone ( both gave gold iPhones) and now we cannot even get a check reviewed (per pop up msg) labeled as con artist or dishonest people I guess so I have to use another check cashing service that will deposit to Bluebird. When I occasionally use this service. Get messages. Talked to representative. Got turned down etc. still getting contact us messages and same information no resolution. My husband just uses the bank now no need to deal with unethical check cashing services online. Ditched his unwanted bluebird card too. Never used it due to INGO having no resolution to a simple issue. Why contact me if can’t fix the problem with the same contact information I already have used at least 5 attempts. Don’t bother with this type of service unless you are desperate I have a real bank account so this is plan B

by Divinei Inspiration

I’ve had Ingo Money for about five year it was great. I would have issue every now and then where they would respond with image isn’t readable, most of the time a few snaps would do. For the past six months my check keeps getting stuck so they system in the system. The representative always assure me they would escalate the mAtter. Today I tried and it happens again, they representative said she would escalate they. I tell her every time I call they say them same thing and nothing is resolved. I ask to speak to a supervisor and boy was she rude and said this is the first time I see this being escalated, wait 24hrs and try again. She hangs up. They’ve lost there mojo and care two cents about customer service. It’s a shame

by Christine2645

I have never had any issues with IngoMoneyApp. InGO money is such a slick, quick and easy way to deposit my checks since I don’t have a normal bank account. I can deposit all my checks onto a debit card in a matter of minutes! I’ve called customer service a few times to ask them questions getting into details about other things, but never about cashing check problems. The customer service reps have always been amazing and very friendly regardless of what my questions were about. I would recommend IngoMoneyApp to anybody, anytime. Thank you InGO Money for making a small part of my life so much easier and always making available to me, an easy access way for me to look at where my money is coming from and where it is going. I am truly grateful for you!!! :)

by MeleM48

I spoke with a well spoken representative, Adayja who was very swift in resolving my issue. I completed the cash checking progress for the first time using InGo on my own. The process went surprisingly well but I received a message to contact InGo customer support. At the same time I received a message from my cardholder for account verification about this deposit. I appreciated the check and balance system. After clearing this with my card holder, Adayja assisted me with a smooth transition. I didn’t have to go into a lengthy narrative, she knew exactly what to do. I’m glad I chose to use this application with my trusted and private information.