Frequently Asked Questions
FREQUENT TOPICS
CONTACT US
Ingo Money Customer Support
If you have questions about the Ingo Money service and don’t see the answers on this page, please contact us.
Ingo Money News and Information
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FREQUENT TOPICS
CONNECT WITH US
Ingo Money Customer Support
If you have questions about the Ingo Money service and don’t see the answers on this page, please contact us.
Ingo Money News and Information
Follow us on Facebook and Twitter to receive news, updates and promotional offers.
ABOUT THE INGO MONEY SERVICE
The service is enabled and facilitated by Ingo Money, Inc. Ingo Money provides the mobile app technology, check review, approval and guarantee services and other related services. Wherever we use the terms “We” or “us,” we are referring to First Century Bank and/or Ingo Money, Inc., depending on the context.
Paper check processing is slow, which makes it risky, but the money in checks—trillions of dollars every year—is really important to people. You count on it. You need it fast. We all do.
We thought, “Hey, we can do that.” So we put all of our 15 years of experience servicing banks and other financial services firms to work to serve consumers and small business owners directly, and in 2013, we launched the Ingo Money App with First Century Bank. Now hundreds of thousands of customers use our app to cash checks and get their money in minutes, and we serve more people every day.
What we do is a lot harder than it seems, but the reasons we do it are very simple.
- We believe it should not take days for a bank to post a check deposit to your account.
- We believe that when your bank makes the money from your check deposit available to spend, that money should never be taken back from you, even if a check ends up bouncing.
Ingo Money takes the delay and the risk out of checks. We use lots of sources of information to screen checks fast and most of the time, we approve them. If your check is approved, you can get your money in minutes, as good as cash and safe to spend, and put the money any place you want it.
No deposit holds. No returned checks. No take-backs. No worries.
Please note that we generally don’t accept checks that aren’t made out to you, conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks or warrants.
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 4% for all other accepted checks, with a $5 minimum fee per check. We will review your check for approval in a few minutes, although in some instances it can take up to an hour. If your check is approved, we send your money in minutes to the places you selected. Most banks, prepaid card issuers and PayPal, will make your funds available in your account in minutes so you can immediately make purchases, pay bills or access cash at an ATM. Some banks may take up to 48 hours. Most credit card issuers apply credit card bill payments by the next business day though some do not post payments for two business days. If your check isn’t approved, your account will not be funded and no fees will be assessed.
Alternatively, you can choose to get your funds in 10 days for no fee and your money will be credited to one bank debit card, prepaid card or PayPal account you choose if your check is approved and is not returned unpaid during the 10-day period. This option can be good when time is on your side and you don’t need us to take the risk on the check. We cover the cost of check clearing and settlement as well as transaction processing to provide a no-fee option when that is all you need.
Other transaction fees and costs, terms and conditions may be associated with the use of your bank debit card, prepaid card or PayPal account. See your Cardholder or Account Agreement for more information on the terms associated with your accounts.
If you choose to pay a credit card bill, we will submit your payment to your credit card issuer immediately following final approval of your check cashing transaction. Most credit card issuers will apply your payment by the next business day; some may take two business days. To avoid a late payment fee from your credit card issuer be sure to pay your credit card bill at least two business days before your payment due date.
Expedited credit card bill payment services are available on many, but not all, credit cards.
- Check clearing and settlement costs: When we approve your check and send your money to your selected accounts in minutes, behind the scenes, the check is sent to the Federal Reserve to clear and settle it with the check writer’s bank. That process typically takes a few days, which means that we incur interest expense.
- Bounced and non-payment check costs: Sometimes, a check does not clear because there is not enough money in the check maker’s bank account. Other times there are problems with a check that prevent it from being paid. When checks do not clear we may never get the money, but we have already given you your money, and it is always guaranteed.
- Transaction processing costs: In order for us to send your money in minutes to thousands of accounts issued by banks all across the country, we have to use network processors like Visa, MasterCard, American Express, Discover, Star, Pulse, Maestro and many others. The networks and various other third party processors we use to send your money depends on the account you choose, and all of them have associated fees and processing costs.
- Technology systems and servicing costs: Building and maintaining technology infrastructure, improving our app, processing checks, accessing third party information databases and serving our customers is the other primary area of cost.
We continue to invest to make our service better and more efficient so you can get your money quickly and conveniently, almost any place, at the lowest possible cost.
When you submit a check in the Ingo Money App, review for approval typically takes 3-5 minutes. In some instances, review may take up to one hour while we work to verify sufficient information to approve your check. If your check is approved, we will send your money immediately to the bank account or prepaid account you choose using your linked debit or prepaid card account number. You can also send money to your linked PayPal account or make a payment to a linked credit card. If you want to send money to more than one place, you can split your check to send money to multiple accounts.
Most banks, prepaid card issuers and PayPal, will make your funds available in your account in minutes so you can immediately make purchases, pay bills or access cash at an ATM. Some banks may take up to 48 hours. Most credit card issuers apply credit card bill payments and adjust your available balance by the next business day though some do not post payments for two business days.
Ingo Money also offers a no-fee check cashing service. If time is on your side, you can get your money in 10 days if your check is not returned unpaid within the 10-day period and receive those funds in one of your linked bank accounts, prepaid cards or PayPal accounts.
Other transaction fees and costs, terms and conditions may be associated with the use of your bank debit card, prepaid card, PayPal account and credit cards. See your Cardholder or Account Agreement for more information on the terms associated with your accounts.
ABOUT APP INSTALLATION AND REGISTRATION
If you do not have geo-location services enabled, you will be prompted in the app to enable location services before you can cash a check.
To enable location services on an Android device:
- Close the Ingo Money App and tap Settings.
- Scroll down and tap Location.
- Turn on the Location Service.
- Tap Agree on the Location Consent screen.
- On the Improve Location Accuracy screen, we recommend you tap Agree to enable Google’s Location Service; it is not required that you enable this service, but it will provide a better user experience.
- Close Settings and re-open the Ingo Money App to continue.
To enable location services on an iPhone:
- Close the Ingo Money App and tap Settings.
- Scroll down and tap Privacy.
- Tap Location Services.
- Make sure Locations Services is enabled.
- Scroll down, tap the Ingo Money App and choose ‘While Using the App.’
- Close Settings and re-open the Ingo Money App to continue.
Your Android device will enable push notifications on the Ingo Money App by default. If you disable push notifications and want to re-enable the notification service:
- Close the Ingo Money App and tap Settings.
- Scroll down to the Applications tab and tap the Ingo Money App.
- Enable Show Notifications.
- Close Settings and re-open the Ingo Money App to continue.
To enable push notifications on an iPhone:
- Close the Ingo Money App and tap Settings.
- Tap Notifications.
- Make sure Allow Notifications is enabled.
- Set your notification options.
- Close Settings and re-open the Ingo Money App to continue.
ABOUT ENROLLING AND UPDATING MY FUNDING ACCOUNTS
ABOUT CASHING A CHECK
Alternatively, you can choose to get your funds in 10 days for no fee and your money will be credited to one bank debit card, prepaid card or PayPal account you choose if your check is approved and is not returned unpaid during the 10-day period. This option can be good when time is on your side and you don’t need us to take the risk on the check. We cover the cost of check clearing and settlement, as well as transaction processing to provide a no-fee option when that is all you need.
Other transaction fees and costs, terms and conditions may be associated with the use of your bank debit card, prepaid card, credit card or PayPal account. See your Cardholder or Account Agreement for more information on the terms associated with your accounts.
The Ingo Money App will read the amount of the check. Simply confirm that the amount displayed is accurate or correct it, and tap ‘Next.’ Continue to follow the screen prompts to choose when you want your money and where you want us to send it and then submit the check for review.
In order to fund your bank account, prepaid card or PayPal account, or to pay a credit card bill, you first have to link your accounts in Ingo Money. To do that, tap ‘My Accounts’ on the main menu, then tap ‘Link a New Account’ and follow the screen prompts to enter your bank debit card, prepaid card, credit card and PayPal account information.
When you cash a check, you will be prompted to take a picture of the front and back and confirm the check amount. After that you will be asked to choose whether you want your Money in Minutes for a fee or your Money in 10 Days for no fee. Then, you will be prompted to select where you want us to send your money by tapping one of the accounts on the screen.
If you choose Money in Minutes, you can send your money to more than one place. Simply choose each account and tell us how much to send to each one. You will be prompted to choose another funding account until you have allocated all of your check funds.
Below are some examples of reasons we may decline a check:
- Check was not written to you, as your name appears on your Ingo Money account.
- Check was not endorsed.
- Amount of the check is less than $5 or more than $2,500.
- Amount of the check will cause you to exceed the daily, weekly or monthly funding limits for your selected account.
- Amount of the check will cause you to exceed the daily or monthly check cashing limits or the maximum balance allowed on your selected account. See check limits.
- Check images are illegible or do not pass authenticity screening.
- Check is a single-party check (drawn on another account you own), a temporary check, a credit card check or another unusual check type we do not support.
- A properly voided image of the check was not received. If you need to resubmit your voided check image, call Ingo Money at (229) 276-3990.
- Sufficient information could not be verified on the check writer’s account.
- Check was written on a closed or compromised account.
If your check is declined, you will be notified in the app, by push notification (if you have enabled this service for the Ingo Money App on your mobile device) and by email. Your account will not be funded, and no fee will be assessed. You may attempt to deposit or cash your check with another service provider, or alternatively contact the check writer and request a new check or a different method of payment.
ABOUT PAYING A CREDIT CARD BILL
If you choose to pay a credit card bill, we will submit your payment to your credit card issuer immediately following final approval of your check cashing transaction. Most credit card issuers will apply your payment by the next business day; some may take two business days. To avoid a late payment fee from your credit card issuer be sure to pay your credit card bill at least two business days before your payment due date.
Expedited credit card bill payment services are available on many, but not all, credit cards.
Making your credit card payments on time is really important and when money is tight, it can be tough to meet an issuer’s deadlines and posting limitations. That’s why, regardless of your credit card issuer’s processing technology, Ingo Money submits your credit card payment to your card issuer within minutes of your check being fully approved so that your payment can be processed and applied to your account as quickly as possible.
If your credit card payment was made by Ingo Money, but does not appear on your credit card paper statement or electronic transaction history and it has been two business days since your payment was made, contact Ingo Money Customer Service via email at help@ingomoney.com, phone at (229) 276-3990 or Twitter http://twitter.com/IngoCares. We can help you resolve the issue with your credit card company.
ABOUT PROMOTIONS AND REWARDS
Reward amounts change from time-to-time. You can always get information on the current campaign right in the app.
ABOUT MY INGO MONEY USER ACCOUNT
ABOUT DONATIONS TO CHILDREN’S CHARITY
Ingo Money is a service provided by Sunrise Banks, N.A. Member FDIC and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Terms and Conditions and Privacy Policy. Approval 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. Ingo Money service is not available for use within the state of New York.
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