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How much does it cost to cash a check?

Get Money in Minutes for a Fee

To cash a check and get your money in minutes, the fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check.

Ingo Money will review your check for approval, usually in a few seconds, although it can take 3-5 minutes and in rare circumstances, review can take up to an hour. If your check is approved, Ingo Money sends your money in minutes to the account you selected. If your check isn’t approved, your account will not be funded, and no fees will be assessed.

Get Money in 10 Days for Free

Alternatively, you can choose to get your funds in 10 days for no fee and your money will be credited to your account if your check is approved and is not returned unpaid during the 10-day period. The 10-day option can be good when time is on your side.

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Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

GO2bankTM cards are issued by Green Dot Bank, Member FDIC, pursuant to a license form Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

GO2bank is Green Dot's flagship mobile bank account. Green Dot has serviced more than 80 million accounts over the last 25 years.

Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services.

Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Atomic, Extole, Experian, Ingo Money, Plaid, Q2 Software or any eGift Card merchants. Partner terms and conditions apply.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

©2025 GO2bank. GO2bank is a trademark of Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.