Cash a Check

You can add money from checks directly to your Scarlet® Bank Account using the Mobile Check Capture feature in the Scarlet Mobile App on your iPhone® or Android device.* Fees and limits apply.

Mobile Check Capture transactions are conducted by Ingo Money in accordance with a national bank which is identified in the Terms and Conditions. Use of this service is subject to the bank and Ingo Money Terms and Conditions and the bank and Ingo Money Privacy Policy. 

Don’t have the Scarlet app? Download it for free from the App Store or Google Play.

*Data rates may apply. iPhone is a trademark of Apple Inc. Android is a trademark of Google Inc.

You must be a Scarlet main accountholder to use this feature. Subaccount users cannot add money with Mobile Check Capture at this time.

Note: As of 2/13/2022, Mobile Check Capture is not available for use in the state of New York.

Please follow these steps to add a check to your Scarlet account:

1.   Open and log in to the Scarlet Mobile App on your mobile device.

Please note: to use the Mobile Check Capture feature you must be using either iOS 7 or Android 4.0 or a more recent version of either operating system.*

2.   Go to Money In and select Mobile Check Capture. 

• If this is your first time using this feature you will need to first accept the bank and Ingo Money Terms and Conditions and the bank and Ingo Money, Inc. Privacy Policy. Tap ‘Agree’ to accept these terms.
• You will also need to grant the Scarlet app permission to take pictures and access your phone’s camera. Tap ‘Allow’ to give permission.

3.   Sign the back of your check.

4.   Capture an image of the front of the check.

• Android users: Tap the first check image labeled "Front" and position your mobile device's camera at a slight angle over the check. Then tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
• For iOS users: Tap the first check image labeled "Front" and position your mobile device's camera at a slight angle over the check. Align the image until you see a green outline. If you are having difficulties try clicking the "auto" option in the top right corner and then hover over the check and tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.

5.   Capture and image of the back of the check.

• For Android users: Turn the check over and tap the second check image labeled "Back". Position your mobile device's camera at a slight angle over the check. Then tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
• For iOS users: Turn the check over and tap the second check image labeled "Back".  Position your mobile device's camera at a slight angle over the check. Align the image until you see a green outline. If you are having difficulties try clicking the "auto" option in the top right corner and then hover over the check and tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.

6.   Enter the amount of the check and follow the screen prompts to choose when you want your money:

• Using Money in Minutes**, money from your check can be available within minutes for a fee.
• Using Money in Days***, money from your check can be available in 10 days with no fee, if the check is not returned unpaid within the 10-day period.

7.   Confirm the net amount (total amount of money from the check plus any applicable fees) to be added to your account.

8.   If you selected Money in Minutes and your check is approved, you will then be prompted to write “VOID” on the front of your check and submit an additional picture. Do not write “VOID” until you are prompted in the app.

*iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.  Android is a trademark of Google Inc.

**1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; $20 check minimum. See our list of fees for more detail.

***If your check is returned unpaid within the 10-business day period, money will not be added into your account.

If you choose Money in Minutes your money is generally available with 3-5 minutes but can take up to one hour.  There is a fee of of 1% or 5% of the check amount (minimum fee $5), depending on check type for this.

If you choose Money in Days, your money will be available 10 business days from the time you submit your check, provided your check is approved and it is not returned unpaid within the 10-day period.

You can reach out to Ingo Money directly by contacting Ingo Customer Service at (229) 276-3990 or by sending an email to help@ingomoney.com

If you chose Money in Days, no fee is charged.

If you chose Money in Minutes, you will be charged a fee of either 1% or 5% of the check amount (minimum fee $5), depending on the check type, as follows:

All checks must be made out to you, endorsed by you, and drawn on a bank account in the United States or a U.S. territory.

Eligible checks include, but are not limited to:

• Payroll and government checks with a pre-printed signature (Example: Tax Refund)
• Business checks
• Payroll checks with a handwritten signature
• Personal checks
• Insurance checks (settlement checks)
• Attorney checks (settlement checks)
• American Express Travelers Cheques
• Cashier’s checks
• Money orders
• Rebate and refund anticipation checks

Please note that the following check types are generally not accepted:

• Checks you write to yourself
• Conditional endorsement checks
• Counter and starter checks
• Credit card checks
• Customer appreciation certificates
• Gift certificates
• Checks that are post-dated
• Warrants
• Travelers checks not issued by American Express
• Checks that are not made out to you

In order to use Mobile Check Capture, Ingo Money, in accordance with a national bank which is identified in the Terms and Conditions, requires your personal information to provide you access to their services, for example, to identify you, to process transactions, and to provide and improve their services to you. Pathward will share your personal information, including SSN, and date of birth, and information regarding your Scarlet account with Ingo Money Inc. and the national bank identified in the Terms and Conditions to help service your Mobile Check Capture request.

For more information, please refer to Ingo Money and the bank’s Privacy Policy.

Write “VOID” on your check only when you are prompted in the Scarlet app. You will be prompted if you selected Money in Minutes and your check has been approved.

All checks submitted by Mobile Check Capture are subject to Ingo Money’s review for approval. Ingo Money may be unable to approve a check and cannot always tell you exactly why a check is declined; however, below are some examples of reasons a check may be declined:

• The check was not written to you, as your name appears on your Scarlet account.
• The check was not endorsed.
• The amount of the check is more than $5,000.
• The amount of the check will cause you to exceed the applicable limits.
• One or both of the check images are illegible. Please refer above to our tips for how to take a good image of your check.
• The check is not an acceptable check type. Please refer above to our list of generally accepted check types.
• A properly voided image of the check was not received. If you have issues with submitting your voided check image, please call Ingo Money Customer Service at (229) 276-3990 for assistance.
• The check was written from a closed or compromised account.

If your check is declined, you will be notified in the Scarlet app and by the primary email associated with your Scarlet account. Money will not be added to your Scarlet account and no fee will be assessed.