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A photo of any check and load onto your card

Mobile Money Deposit - Frequently Asked Questions

What kinds of checks can I load? Can I load my tax refund check?

You can load almost any kind of check, including your tax refund check, for funding approval from $5 up to $2,500.1 In addition to your traditional printed payroll and government checks, Ingo accepts attorney checks, cashier’s checks, handwritten payroll checks, insurance checks, money orders, rebate checks, refund-anticipation checks, and two-party or personal checks. 2

You can’t load checks that aren’t made out to you, including conditional-endorsement checks, counter checks, credit card checks, customer-appreciation certificates, gift certificates, starter checks, traveler’s checks, and warrants.

How do I use my smartphone camera to take a picture of a check?

It’s easy. Position the camera at a slight angle so there are no shadows on the check. Be sure the check is framed properly so it fits just inside the guidelines—not too far to the left or right. Don’t hold the check in your hand. Lay it on a solid-colored background so that none of the numbers are covered up. Be sure the lighting in the room is good. If the check is too dark, it won’t be readable. And finally, be sure the check is not crumpled in any way.

When will my funds be available?

You decide. If you choose the 10-day no-fee3 option, your funds will be loaded to your ReadyDebit Gold Prepaid Visa Card in 10 days, as long as the check is approved and not returned unpaid. If you need your money sooner and select to pay the fee of 1% or 4% (with a minimum fee of $5 per transaction), your money will be available if your check is approved2 after a short review by Ingo that can take as few as 2 minutes or, in rare occasions, as long as an hour.

Why wasn’t my check approved?

All checks submitted to Ingo are subject to review for approval. There are a number of reasons why your check might not have been approved. For instance, if the payee name on the check doesn’t match the name on your Ingo account, if the check was written on a closed account, or if Ingo has had bad checks in the past from the person who gave you the check. Your check may also be declined if the amount of the check is less than $5 or more than $2,500 or if it would cause you to exceed the daily, weekly, or monthly load limits for your card or the maximum balance allowed on your card. 1 Note: With READYDebit Gold, you need to use your card at least once before you can load a check with Ingo mobile money deposit.

Why can’t I register in the Ingo Money app?

If Ingo cannot verify your identity—for instance, if your name and address don’t match or your name and Social Security number don’t match—you will not be able to register.

Is my data secure?

Ingo Money uses systems and technology to protect your personal information and won’t share your information with outside parties except as set forth in the Ingo Privacy Policy or with your permission. To comply with government regulations of the financial industry, Ingo uses your Social Security number to verify your identity and help Ingo reduce, prevent and address check fraud.

For more information

For more information about the Ingo Money app and mobile money deposit, visit the Ingo Money website.

The Ingo Money Network is owned by Ingo Money, Inc. and operated with First Century Bank, N.A. which provides all check clearing and card funding services for users. Use of Ingo is subject to the Ingo Money and First Century Bank Terms and Conditions, and the information you send to us is subject to the terms of our Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to an hour. All checks are subject to approval for funding by Ingo in its sole discretion. Unapproved checks will not be loaded to your card. Ingo reserves the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere, or if you otherwise act illegally or fraudulently.

1 There may be additional transaction, daily, monthly, and other loading limits that are imposed by your Card program. See your Cardholder Agreement for more details.

2 All checks are subject to approval for funding by Ingo in its sole discretion. Review for approval usually takes 3 to 5 minutes but can take up to an hour. Unapproved checks will not be loaded to your card.

3 While this feature is available at no additional charge, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See your Cardholder Agreement for more details.

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