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If you struggle with money — or you have a specific goal to save money going into the new year — following a budget can help you stay on track. 

Budget worksheets provide a basic layout for tracking your monthly expenses and income so you can pinpoint where your money is going and figure out areas where you can cut back on spending. 

Here are free budgeting templates (plus a few paid options) to help you achieve your money goals:

Free printable budget examples

• Monthly budget worksheet from Pretty Presets and Actions
• Budget binder printables from Thirty Handmade Days
• Zero-based budget free printable template from Moritz Fine Designs
• Make a budget worksheet from the Federal Trade Commission 
• Budget sheet printables from Printable Crush

Printable budget templates

• Microsoft Excel Budget Templates
• Canva Budget Templates
• Clark Method budget worksheet
• Credit Karma Monthly Budget Templates
• Evernote budget planner template
• Jotform Tables budget worksheets
• Money Under 30 budget worksheet
• Monthly 50/30/20 budget worksheet from Ally  

Google Sheets budget templates

• How do I create a budget template in Google Sheets?

Easy budgeting apps

• Apple Numbers
• Fold.Money
• iSaveMoney monthly budget app
• Ivy Wallet Money Manager

Alternatives to free printable templates and Google Sheets

• Sooez Budget binder with zipper envelopes
• Clever Fox budget planner 
• Simplifi by Quicken (free trial!)
• YNAB budget app (free trial!)

FAQs about budget templates

Free printable budget examples

A budget worksheet should track your monthly income, bills, and expenses to show how much money you have — or don’t have — left.

Seeing how much you’re spending in a visual way can help you set financial goals to adjust your spending and strategize ways to boost savings or pay off debts, including starting a side gig.

Monthly budget worksheet from Pretty Presets and Actions

This monthly worksheet allows you to set a spending estimate and then see how much you actually spend in a number of categories, including: 

• Mortgage
• Utilities
• Food/clothing
• Entertainment
• Medical expenses

There is also a column to track your savings account starting and ending balances each month, so you can work toward savings goals. 

You have to go through a free checkout process to download this worksheet, providing your name and email (phone number is optional). 

Budget binder printables from Thirty Handmade Days

Mique Provost, the blogger behind the Thirty Handmade Days craft blog, put together a budget binder as a way to get her own spending on track. You can get her budget worksheets for free if you subscribe to her weekly newsletter (she notes that you can unsubscribe at any time). 

The 10+ worksheets in this budget binder include: 

• Monthly spending overview
• Year at a glance spending overview
• Savings goals
• Grocery list budgeting
• Meal planner
• Outstanding debt tracker

You can keep these sheets organized in any 1-inch binder and use dividers for each month. Provost also recommends laminating some sheets (like the grocery and meal planning lists) and writing on them with a dry-erase marker so you can use the same ones each month. 

Zero-based budget free printable template from Moritz Fine Designs

This template created by blogger Heather Moritz is designed for zero-based budgeting (ZBB). The ZBB method helps you track every cent by creating a budget that equals zero after subtracting expenses, savings, and debt from your income.

The two-page printable budget lists detailed sections, including:

• Income
• Set expenses like savings, retirement, mortgage, insurance, and utilities
• Debts like student loans and credit cards
• Adjustable expenses like groceries, clothes, gas, and entertainment

After providing your first name and email, you can download the template from your inbox.

Make a budget worksheet from the Federal Trade Commission 

Created by the Federal Trade Commission, this 2-page worksheet helps you figure out how much you’re spending monthly on staple expenses, including:

• Housing
• Food
• Transportation
• Health
• Personal and family
• Finance
• Other expenses like school costs and credit card payments 

You can download this simple template as a PDF straight from the FTC website.

Budget sheet printables from Printable Crush

This two-page worksheet includes a monthly budget sheet and a monthly expenses sheet to track specific spending habits. The budget page’s organized grid layout helps you see all your expenses by category, including:

• Housing
• Utilities
• Food 
• Charity
• Transportation
• Personal (like clothing and entertainment)
• Medical debts

The sheet can be downloaded directly from the website as a PDF. 

Free printable budget templates

Microsoft Excel Budget Templates

Microsoft Excel offers various personal budget templates to help you create monthly, annual, and event/item budgets. Depending on your needs, templates range from simple spreadsheet formats to aesthetic sheets with graphs and color coding. 

Some Microsoft Excel budget template options include: 

• Monthly family budget planner
• Simple personal budget
• Budget summary report
• Balance sheet
• Event budget
• Holiday budget planner
• Vacation budget planner 

All of the templates are optimized to be filled out in Excel, but most can be printed. However, these templates are only “free” if you already pay for Microsoft 365. There are also premium templates that cost additional money.  

Canva Budget Templates

Canva is a free online design program typically used to edit social media posts, but it also offers free budget templates. Templates include simple single-page monthly budget printables, or more specialized pages to create a comprehensive budget binder, including pages for:

• Debt tracking
• Savings tracking
• Expense tracking
• Monthly budget lists/grids
• Financial goal tracking
• Grocery budgets

You can also customize the free budget templates if you want to change colors, fonts, or layouts. To access the free templates, create a free Canva account with your Google, email, or Facebook account. 

Clark Method budget worksheet

Money expert Clark Howard created the CLARK method, a 5-step plan to help you budget for the long haul:

1. Calculate your income
2. List your expenses
3. Analyze your spending and set goals
4. Record everything
5. Knock out debt and build savings

Clark’s free budget worksheet is an editable PDF that includes categories like:

• Mortgage/rent
• Groceries
• Cell phone bill and other bills

Each month, you set a dollar amount for each category and aim to stick within those boundaries. The worksheet also allows you to highlight specific spending categories you want to work on improving. Highlight “Needs Help” if you want to focus on that particular category, and if you’re satisfied with it, highlight “Looks Good.”

You don’t have to provide your name or email to download the Clark worksheet.

Credit Karma Monthly Budget Templates

Credit Karma is a free personal finance tool. In addition to monitoring your credit score and accessing your credit report you can use it as a financial tracking app that links your bank accounts, credit cards, and retirement accounts for real-time spending and savings tracking. If you need a visual spreadsheet, Credit Karma offers a simple and detailed monthly budget template for Microsoft Excel or Google Sheets.

The simple budget template includes: 

• Budget totals for income/expenses/balance
• Budget/expenses breakdown bar graphs
• Top 5 expenses budget summary
• Income inputs chart 
• Expense inputs chart to track expenses by category

The detailed budget template includes: 

• Budget totals for income/expenses/balance
• Budget/Expenses breakdown bar graphs
• Total expenses budget summary by category
• Income inputs chart 
• Expense inputs chart organized by categories and subcategories

You can download either budget template directly as an .XLSX file. Then fill out the template using Microsoft Excel or Google Sheets to customize expenses and categories. You can also connect the templates to the Mint app, so you can streamline your categories and expenses across your spreadsheet and mobile budgeting. 

Evernote budget planner template

The virtual organizational and productivity app, Evernote, also offers a budget template you can seamlessly include with your notes, to-do lists, calendars, and documents. The budget planner keeps your monthly income and expenses in one digital place, while helping you track savings. You can also customize the template as needed, but it originally includes sections for:

• Saving goals
• Starting balance
• Ending balance
• Wages
• Other income
• Rent/mortgage
• Groceries
• Restaurants
• Insurance
• Utilities
• Gas
• Entertainment 
• Loans

This template can be a great addition if you already use Evernote and need a budget you can print and use digitally. If you’re new to Evernote, you can create a free account with your email for limited access to the app’s features. But if you want more storage space and features, you can purchase a personal plan for $14.99/month. 

Jotform Tables budget worksheets

The Jotform Tables is a one-stop solution to boost efficiency within your organization. It offers spreadsheets, workspaces, and table templates. You can sign up for free.

If you’re planning to make a budget, Jot Tables has budget templates you can easily use to keep track of your finances and build financial stability for the future.

Some of the budget templates include:

• Personal Budget Template
• Weekly Budget Template
• Monthly Budget Template
• Restaurant Budget Template
• Business Budget Template
• Travel Budget Template

You just have to find a template that best suits your needs. For example, the Monthly Budget Template includes columns for:

• Projected Expense
• Description- 
• Type
• Actual Expense
• Difference
• Total Contribution to Budget
• Income/Expenses

You can access these budget templates from the Jotform Website.

Money Under 30 budget worksheet

Budgeting doesn’t have to be complicated. David Weliver, the founder of Money Under 30, put together a simple budget worksheet that includes columns for general expense categories like dining, travel and entertainment.

This budget worksheet is available as a downloadable PDF or via Google Sheets. If you’re using the spreadsheet version, go to File > Make a Copy to save a copy you can edit.

Monthly 50/30/20 budget worksheet from Ally  

The 50/30/20 budget is a buzzy name for separating your income by 50%, 30%, and 20% into three categories: mandatory expenses, savings and debt payments, and wants. Following the 50/30/20 method, this template from Ally Financial organizes your:

• Income
• Needs (like home costs, child care, and groceries) that account for 50% of your income
• Wants (like nonessential dining out and travel) that account for 30% of your income
• Savings (like investments and retirement) that account for 20% of your income

You can download the template as a free PDF directly from Ally’s website. Before you print, you can also digitally add additional categories, and the sheet helps you add up your spending. 

Free Google Sheets budget templates

If you want a template that does all the math for you, Google Sheets offers annual and monthly budget templates. You can also find tons of third-party templates you can customize in Google Sheets. 

If you stick with Google Sheets, the monthly budget template offers:

• Expenses section
• Income section
• Bar graphs to visualize budgeting wins and losses
• A separate sheet for specific transactions to calculate total category spend

How do I create a budget template in Google Sheets?

The easiest way to make your own Google Sheets budget template is to start with the monthly budget template. You can find this template by logging into your Google account, visiting Google Sheets, and clicking on the template gallery button near the top right of the page. 

Budget templates are located under the personal category. After selecting the monthly budget template, you can customize the expense and income sections and delete any graphs you don’t want. 

Easy budgeting apps

Apple Numbers

With Apple Numbers, you can use and manage templates on your iPhone and easily create your own budgeting templates on a Mac, iPad, or iPhone to track your income, spending, and savings and take control of your finances.

Apple Numbers have pre-designed and pre-formatted templates designed by professionals, which means they’re visually appealing and easy to use.

Apple Numbers also has a built-in functionality that automates calculations for an easy and accurate analysis of your spending.

Fold.Money

Fold.Money is another app you can use to allocate funds more effectively and lead a healthier financial lifestyle.

Upon downloading the app, you'll have to provide your phone number for security purposes and to easily recover accounts linked to your number.

Fold automatically pulls your bank transactions from your bank accounts and credit cards in one place so you can say goodbye to manual transaction entry.

Fold calculates the money left to spend after deducting outgoing expenses from the month’s total income. This way, you can prevent yourself from overspending.

iSaveMoney monthly budget app

iSaveMoney is a free budgeting app that allows you to create unlimited budgets. However, they also offer a Pro version with a free 3-day trial, after which yofvv. vu will be charged $14.99 weekly. The Pro version allows you to export, snap photo receipts, and remove ads. 

It’s pretty straightforward. You’ll need to input your budget's start and end dates, along with your initial balance.

Then, you’ll select categories like disposable income and budgeted expenses, which include line items like:

• Home/rent
• Daily living
• Transportation
• Entertainment
• Health care
• Dues/subscriptions
• Financial savings

Once you’ve set your budget, it will show you your savings and budget spent.

Ivy Wallet Money Manager

The Ivy Wallet Money Manager makes budgeting easy with a simple UI/UX, which earned the app recognition as the Best App in 2021/2022 Charts by the YouTube tech community.

Upon signing up to use the app, which is completely free, you can choose your currency and add banking/other accounts. You can add categories to your spending like:

• Bills & fees
• Transport
• Groceries
• Car
• Work
• Fitness
• Family

The app also allows you to set payment reminders so you never forget to pay your bills.

Alternatives to free printable templates and Google Sheets

Don’t see a free template or Google Sheets that clicks with your budgeting needs? Or maybe printing them yourself just seems like too much work? Purchasing a budget binder already complete with templates or using a more sophisticated, paid app may be for you. 

Sooez Budget binder with zipper envelopes

For about $10, this compact binder includes:

• 24 A6-size budget sheets to log expenses/savings by date, description, amount, and balance
• Eight clear cash envelopes
• Slots for stowing credit cards
• 34 different category labels

This binder is ideal if you plan to budget by categories rather than months. Reviewers love the simple customizable system, but some folks don’t like the binder's small size and quality.

Get it on Amazon: 

Clever Fox budget planner 

If you prefer a detailed monthly budget, this $22 bound journal includes a year's worth of budget templates. It also doubles as a financial journal and offers pages to help you plan long-term and monthly financial goals. The planner is undated and includes:  

• 1 annual financial goals page
• 1 mindmap planning page
• 2 strategy and tactics pages to set long-term financial goals 
• 2 debt tracking pages
• 12 pages to organize monthly goals, checklists, and income/savings (with a calendar) 
• 12 monthly budget pages
• 12 expense trackers
• 12 monthly budget reviews
• 2 Christmas budgeting pages
• 2 annual summary pages
• 2 pages of stickers
• An inner pocket for receipts or bills

Reviewers love this planner’s high-level organization. The pre-printed budget worksheets include basically any expense you can think of, with additional write-in areas. However, some folks with larger handwriting say the planner is too small.

Get it on Amazon: 

Simplifi by Quicken (free trial!)

Simplifi is a budget management website and app available on iOS and Android devices.

With Simplifi, you can:

• View all of your bank accounts, loans, credit cards, and investments in a single dashboard
• Get an automatically generated spending plan
• Track your spending in your own custom categories
• Set spending limits to reach financial goals

Simplifi is ad free and run by Quicken Inc., a company formerly owned by Intuit (Quickbooks, Quicken Loans, TurboTax). The app costs $3.99 per month.

All personal and financial data in Simplifi is protected using 256-bit encryption.

Start a 30-day free trial with Simplifi >>

YNAB budget app (free trial!)

If you’d rather go digital, You Need A Budget (YNAB) is a budgeting app with an A+ Better Business Bureau rating accessible across your phone, tablet, and computer. The app acts as a pocket-financial advisor and can help you figure out how to save more money, pay off debt, and set financial goals with features including: 

• Secure connection to your banking accounts to track all your expenses
• Goal tracking for spending/savings  
• Detailed budget creator to set your budget and track all your expense categories
• Smart categorization to create personalized categories of expenses, debt, and savings 
• Loan calculator
• Spending reports (with charts) to track categories like rent, groceries, etc.
• Net worth reports (with charts) to show financial progress from debt to building wealth  
• Income v expense reports reach any specific financial goals
• 100+ free budgeting video courses

If you’re unsure whether an app is for you, there’s a 34-day free trial. After that, you can pay $99/year ($8.25/month and $80 savings) or $14.99/month. 

FAQs about budget templates

How do you make a budget worksheet?

You can create your own budget worksheet using premade templates on Microsoft Excel or Google Sheets. If you’re more design savvy or prefer a prettier layout, Canva offers budget sheet templates you can customize in minutes. You can also use plain old paper and pencil, or designate a notebook for budgeting.

Include each of your monthly expenses on a line, including things like utility bills, rent, loans, car payment, credit card bills, food and gas spending, etc., and figure out how much money you have left at the end of the month. Evaluate your spending and see where you could potentially cut back and how much you can set aside in savings each month. 

How do I create a budget spreadsheet?

You can create budget spreadsheets using Google Sheets or Microsoft Excel. Both offer templates you can customize for your budgeting goals. You can use these digitally to keep track of your money and also print them out. 

Does Google Sheets have a budget template?

Yes, Google Sheets offers a couple of budget templates. To find these templates, open Google Sheets and click on the template gallery button near the top right of the page (it’s to the right of “Start a new spreadsheet”). You’ll find both budget templates under the Personal category. After opening the template of your choice, there are instructions on how to customize the sheet. 

Is there a budget template in Google Docs?

No, Google Docs does not offer a budget template. However, you can access the Google Sheets budget templates via Google Docs. Click three lines on the top left of the page to access the main menu. From there, click “Sheets.” 

Is there a budget template in Excel?

Yes, Microsoft Excel offers budget templates — including monthly, annual, and specialized templates for specific saving goals. Once you open Excel, select “Templates” on the “New Workbook” menu. 

Is there a budget template in Word?

No, Microsoft Word does not offer budget templates. However, if you have Microsoft 365, you can access Microsoft Excel’s budget templates. 

How do you create a simple budget? 

Setting up a budget, at its most basic, should include a list of your income and expenses. This will help you identify areas you’re overspending, or see how much money you have left each month.

In a world of direct deposits and money transfer apps that make sending and receiving cash easy and instant, paper checks have fallen to the wayside. 

However, if you do receive a paper check, there are lots of places to cash them — the easiest and cheapest of which is your own bank or credit union.

Get a fee-free checking account at Discover and get 1% cash-back on debit card purchases.

If you don’t have a bank account, you can cash a check at Walmart in most states for a minimal fee.

If you have a smartphone, you can also cash a check through Paypal, with funds available within 10 days for no fee (or a $5 minimum fee for immediate funds). 

Keep reading for a list of other places to “cash checks near me.”

12 free printable budget worksheets and Google Sheets templates

Where else can I cash a check? 

If you’re looking for “check cashing near me,” these are some options:

• Banks or credit unions
• Giant Eagle check cashing
• HEB check cashing
• Publix check cashing
• Walmart check cashing

Check cashing stores “near me:”

• ACE Cash Express
• Amscot
• The Check Cashing Store
• Check Into Cash
• Money Mart
• Speedy Cash

Where can’t I cash a personal check?

Check cashing FAQS

What else can you use to cash a check?

• Ally
• Chime
• Brinks
• GreenDot
• Ingo® Money
• Transact by 7-Eleven app
• PayPal
• NetSpend

Banks or credit unions

Although cashing a personal check at a bank where you are an account holder is likely the easiest and cheapest method, it’s not always an option. Your bank might not be open or — like millions of other Americans — you might not have a bank account.  

According to the FDIC, the number one reason people don’t open bank accounts is because they don’t have enough money to meet minimum balance requirements. 

If you need money to open a bank account, check out these posts: 

• 13 ways to get free money instantly
• 9 ways single moms can make money and build wealth
• 83 ways to get free money and earn money for Christmas
• 33 things to sell to make money from the stuff around your house
• Best money saving tips for single moms
• Steady app reviews: Is this legit?

Giant Eagle check cashing

Giant Eagle has approximately 200 retail store locations across Ohio, Pennsylvania, West Virginia, and Maryland. The store will accept personal checks made out to cash for no fee, with a limit up to $30. However, you have to apply and be approved for a Giant Eagle Advantage Card first. 

You’ll also need a valid driver’s license or a state or military photo ID to be eligible to cash checks. 

Giant Eagle also accepts payroll and government checks after a verification and registration process. Service fees apply except for child support checks. 

Other personal checks, such as one written to you by another party, are not accepted. 

You can also write a personal check payable to Giant Eagle as a form of payment in the store. Checks can be written for up to $30 more than the purchase amount to receive as cash back. 

HEB check cashing

HEB, a grocery chain with over 420 stores in Texas and Mexico, cashes personal checks at their customer service desk for amounts up to $200 for a $2 fee. 

Publix check cashing

Publix has over 1,300 stores in the Southeast, and you can cash personal checks at all store locations. You’ll need a driver’s license or a state or military photo ID to be able to cash checks. According to a store representative, it can cost up to $4 to cash a personal check up to $500. Fees vary per check amount and by store. 

Walmart check cashing

To cash a personal check at Walmart, you’ll need to have a valid photo ID and visit the customer service or Money Services center. Walmart will cash a two-party personal check for up to $200, with a maximum fee of $6. This is available in all U.S. states except: 

• Connecticut
• Delaware
• Florida
• Hawaii
• Illinois
• Indiana
• Maryland
• Minnesota
• Mississippi
• New Jersey
• New Mexico
• New York
• Ohio
• Rhode Island
• Tennessee
• West Virginia
• Wisconsin

Check cashing stores “near me:”

Although you can Google the search phrase “cash check near me” or “personal check cashing near me” to find check cashing stores nearby, here’s a handy list of check cashing stores, plus requirements and fees. 

ACE Cash Express

ACE Cash Express has over 850 locations across the U.S. At ACE Cash Express, you can cash personal checks with a valid photo ID. Fees range from 2%-10%, depending on location. A manager’s approval is required for personal checks written for more than $200. 

According to an ACE Cash Express manager, you might not be able to cash a personal check over the weekend because agents must verify the availability of funds with the issuing bank.  

Amscot

Amscot, also known as The Money Superstore, has 238 locations in Florida. The store will cash personal checks for a 9.9% fee or a $3 minimum, whichever is more. So it will cost you $19.80 to cash a $200 check. When cashing a check at Amscot, you may be asked for any or all of the following information:

• Name
• Address
• Birthdate
• Valid government-issued photo identification
• SSN, TIN or alien identification number
• Transaction details
• Additional identifying documents

The Check Cashing Store

The Check Cashing Store charges a 10% fee to cash personal checks. In some states, there’s also a per-item fee of 69 cents to $1.99. In Florida, there’s no additional per-item fee, but the check-cashing fee differs depending on whether you want to cash a one- or two-party personal check: 

• Fee for a one-party personal check: 10% or a $5 minimum
• Fee for a two-party check: 4.9% or a $5 minimum

Requirements for cashing a personal check vary by store, so call ahead to find out what you need to bring.

Check Into Cash

Check Into Cash has more than 650 locations across 25 states. At Check Into Cash, you can cash a personal check for a 10% fee. According to store personnel, there is no limit on the amount of the check. 

Money Mart

Money Mart is the sister store of The Checking Cashing Store. Like The Check Cashing Store, standard check cashing fees vary by state, and an item fee will often apply. Money Mart and The Check Cashing Store charge the same fees. 

You’ll pay a 10% fee to cash personal checks, and in some states, a per-item fee of 69 cents to $1.99. In Florida, the fee for a one-party personal check is 10% with a $5 minimum, and the fee for a two-party check is 4.9% with a $5 minimum.

Speedy Cash

Speedy Cash has more than 200 locations across the U.S. It cashes all types of checks, including personal checks, for a 10% fee. When you visit a Speedy Cash store, be prepared for the agent to verify your ID, the check, the person who wrote it and the amount. 

Where can’t I cash a personal check?

The following stores do not cash personal checks: 

• Albertson’s 
• CVS 
• Kroger
• Martin’s Foods 
• Target
• Walgreens
• Winn Dixie
• Sam’s Club
• Costco

Get a fee-free checking account at Discover and get 1% cash-back on debit card purchases.

Check cashing FAQS:

Can you cash a check at an ATM?

You can cash a check at some ATMs. For example, if you have an account and a Regions ATM card, Regions CheckCard or a Regions Now Card, Regions Bank will allow you to cash a check at one of its DepositSmart ATMs. The fee that will apply depends on the amount of the check and whether the check was issued from a Regions Bank account. 

However, Regions Bank notes that approval to cash a check may take up to an hour, and you might have to complete the transaction at a banking branch instead. 

Can you cash a check at a pawn shop?

When you ask yourself, “Where can I cash a check?” you probably don’t immediately think of a pawn shop, but some pawn shops will allow you to cash a personal check. 

For example, Fastcash Pawn and Checkcashers in Pawtucket, R.I., cashes personal checks for 2%-10% of the check’s value. However, FirstCash, which has more than 2,800 locations across 25 U.S. states, does not offer check-cashing services. The best thing to do is call ahead to find out if any of the pawn shops in your area cash checks and also ask about fees. 

Can you cash a check at any bank?

It depends. If neither you nor the person who wrote the check has an account at the bank where you’re trying to cash the check, it’s likely the bank will refuse to cash it. If you’re not an account holder at a bank, it's best to visit the bank that the check was issued from. 

Also, if you are trying to cash a check at the payer’s bank and you’re not an account holder, you might have to pay a flat fee or a percentage fee based on the check’s amount. There might also be a limit on the value you can cash. For example, if you are not an account holder, Bank of America charges an $8 fee to cash a check of more than $50 that’s drawn from a Bank of America personal account. 

How can I cash a check without a bank account?

If you don’t have a bank account and aren’t able to cash the check at the issuing bank, you can consider asking a trusted friend or family member with a bank account if you can endorse the check over to them to cash. If the person agrees, he or she will need to contact the bank and ask if they will accept a signed-over check and find out the requirements. 

To sign over the check, follow these steps: 

1. Endorse the back of the check in blue or black ink by signing your name in the designated area. 
2. Underneath your signature, write “Pay to the order of:” 
3. Write the name of the person to whom you’re signing the check over after the colon. 
4. Ask the person to sign his or her name underneath the “Pay to the order of:” line.
5. Once the person cashes the check, you can receive the funds. 

What else can you use to cash a check?

If you don’t have a bank account and your online search for “check cashing open near me” doesn’t yield any useful results, you can cash a check online or through a checkless account such as the following:

Ally

You can open an account with an online-only bank, like Ally, to cash your check. Once you’ve opened your account, you’ll have access to Ally eCheck deposit, which will allow you to snap photos of your check and deposit it from your smartphone. 

If you deposit a check by 4 p.m. EST, the funds should be available the next day. 

Chime

Chime is a financial technology company that offers a full-featured deposit account. Chime allows account holders who have received at least $1 in qualifying direct deposits to use the Mobile Check Deposit feature without a fee.

Brinks

Prepaid cards, like Brinks Money Prepaid Mastercard, are another way to cash a personal check. With the Brinks card, you order the card and activate it. Then, you can download the app and add check funds to the card through the Brinks mobile app. 

It can take as little as three to five minutes or up to an hour to have a check’s funds approved so you can use them. If you choose to expedite the funding, the greater of 5% of the check amount or a flat $5 fee will be deducted from your check before loading the funds onto your card. 

GreenDot

All debit cards issued by Greendot Bank offer mobile check deposit or cashing. Fees will vary depending on the debit card you have. For example, if you have the Go2Bank Debit Card, personal check cashing incurs a 5% fee, with a $5 minimum. 

Ingo® Money

You can download the Ingo Money App and link your Paypal account, prepaid card or bank account to cash a check. You can submit personal checks in amounts from $5-$5,000 for approval in Ingo Money App as long as the check is made out to you, endorsed by you and the check is drawn on a bank account in the U.S. or a U.S. territory. The fee for personal checks is 5%, with a $5 minimum. 

Transact by 7-Eleven app

With the Transact by 7-Eleven app, you can use Mobile Check Load to load funds from a personal check to your Transact Prepaid Mastercard. Funds approval from checks usually takes three to five minutes but may take as long as an hour. If you choose to expedite the funds from your personal check, a fee of 5% of the total check amount or $5, whichever is greater, will be deducted from your check. 

PayPal

With the PayPal app and a PayPal Balance account, you can cash checks. Funds will be available within minutes for a $5 minimum fee or within 10 days for free. 

NetSpend

The NetSpend Prepaid Debit card allows users to use the Mobile Check Load via the NetSpend Mobile App. Checks might be approved in as little as three to five minutes, or it might take up to  one hour. Standard mobile check load is free. 

If you choose to expedite the check load, the fee is the greater of 5% of the check amount or $5 and will be deducted from the check’s amount before loading it onto your card.