Don’t wait in line to cash a check!

Now you can load checks to your ACE Elite™ Card with the ACE Mobile Loads app. Get your money in minutes by taking photos of your check with a smartphone.

All checks subject to review for approval. Fees and wireless data rates may apply.

Get My ACE Elite Card

Don’t have an ACE Elite Card yet? Getting one is easy! You can get a card today at an ACE Cash Express store or sign up online.

Get a Card Online

Download the ACE Mobile Loads app, enroll and you’re ready to go!

Explore the Benefits of ACE Mobile Loads

Check?
Check

If your check is more than $5 and less than $2,500, endorsed by you, and approved for funding, you’re in the money.

Your Money
Right Away

You can choose to get your money from checks in minutes for a 2% or 5% fee, depending on check type, with a minimum fee of $5 per transaction, or in 10 days for no fee.

Your Money
No Fee

There’s no fee to get your funds in 10 days if your check is approved and does not return unpaid in 10 days.

Once your card is funded, the money is yours to spend!

How To Submit A Check

1.

Sign in to the ACE Mobile Loads app.

2.

Tap ‘Deposit Check Funds.’

3.

Follow the on-screen prompts to submit your check.

4.

Choose when you would like your funds to be loaded if your check is approved.

How To Submit A Check

  • 1. Sign in to the ACE Mobile Loads app.
  • 2. Tap ‘Deposit Check Funds.’
  • 3. Follow the on-screen prompts to submit your check.
  • 4. Choose when you would like your funds to be loaded if your check is approved.

Frequently Asked Questions

Where can I download the ACE Mobile Loads app?

You can download the ACE Mobile Loads app from the App Store℠ for iOS devices or from the Google Play™ Store for Android devices. Fees and wireless data rates may apply.

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

It’s easy! First, sign the back of your check and make sure the lighting in the room is good. Now, lay the check on a solid-colored background so that none of the check info is covered up. Then, position your smartphone camera at a slight angle so there are no shadows on the check. Be sure the check fits just inside the guidelines and that it is not wrinkled in any way. Then, just take the photo to submit it for review for funding approval.

What do I do with my check after I’ve submitted it with ACE Mobile Loads?

Hold onto your check until you receive a confirmation email saying the funds from your check have been loaded onto your ACE Elite Card. Once received, void or destroy it to prevent duplicate check loads. Additionally, if your check is approved, you may be required to write VOID across the check and submit another image before funds are released.

How much does it cost to use ACE Mobile Loads?

Downloading the ACE Mobile Loads app is free, and there’s no cost to have the app on your phone (wireless data rates may apply).

When you send a check to review for approval, you have a choice. You can choose to pay a fee and your check will be reviewed for approval in a few minutes, although in some instances it can take up to an hour. The fee is 2% for preprinted payroll and government checks and 5% for all other checks, with a minimum fee of $5 per transaction. If your check isn’t approved and funded, no fee is charged.

Alternatively, you may choose 10-day funding for no fee, and your funds will be loaded to your ACE Elite Card in 10 days if the check is approved and is not returned unpaid during the 10-day period.

When will my funds be available?

You decide! If you choose the 10-day no-fee option, your funds will be loaded onto your ACE Elite Card in 10 days, if your check is approved and not returned unpaid. If you need your money sooner and choose to pay the fee of 2% for preprinted payroll and government checks or 5% for all other checks (with a minimum fee of $5 per transaction), your money will be available if your check is approved after a short review that can take as few as 2 minutes or, in rare instances, as long as an hour.

What kinds of checks can I submit?

You can submit most check types to be reviewed for funding approval from $5 up to $2,500. This includes traditional preprinted payroll and government checks, attorney checks, cashier’s checks, handwritten payroll checks, insurance checks, money orders, rebate checks, refund anticipation checks, and two party or personal checks.

Please note that you can’t load funds from checks that aren’t made out to you, such as conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, and warrants.

What are the check limits?

ACE Mobile Loads will review most check types for funding approval from $5 up to $2,500 in value. You may use the ACE Mobile Loads app to load up to $2,500 in funds per check, up to $5,000 in funds per day and up to $10,000 in funds per month.

Does every ACE Elite Card work with ACE Mobile Loads?

Yes! Every activated ACE Elite Card works with ACE Mobile Loads. If you are unable to enroll your card in ACE Mobile Loads call Ingo Customer Service at
(229) 276-3990.

Can I have multiple ACE Elite Cards on my ACE Mobile Loads account?

Absolutely! Simply download the ACE Mobile Loads app and then enroll all of your ACE Elite Cards in ACE Mobile Loads.

I changed my Prepaid card or I have a new Prepaid card on my account. How do I update my information?

In the ACE Mobile Loads app, simply select 'manage cards' and then select 'add a Prepaid card.' You can also delete cards from this screen.

Is my data secure?

Yes. ACE Mobile Loads 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 Money Privacy Policy or with your permission.

Why do I need to turn on my geo-locator?

As one of many security measures intended to protect the security of your account, ACE Mobile Loads uses geo-locator as an added measure to help confirm your phone is not in an unusual location when submitting the transaction.

Why should I turn on push notifications?

Push notifications will allow you to receive immediate transaction status updates of check reviews and approval. Additionally, since some steps must be completed within a limited amount of time, push notifications will help you stay informed on the next necessary action to complete the approval process and load your funds as quickly as possible.

Why can’t I register in ACE Mobile Loads?

You will not be able to register if ACE Mobile Loads cannot verify your identity—for instance, if your name and address don’t match or your name and social security number don’t match. Please be sure to check, and double check, all of your information, and confirm that your name matches the one on your social security card. If you’re still having trouble registering, please give Ingo a call at (229) 276-3990 and a Customer Service Rep will be able to assist you.

Why wasn’t my check approved?

All checks submitted with the ACE Mobile Loads app are subject to review for approval. There are a number of reasons why your check might not have been approved, such as:

  • Not enough information was able to be verified on the check writer’s account.
  • The payee name on the check doesn’t match the name on your ACE Mobile Loads account.
  • The check was written on a closed account.
  • The amount of the check will cause you to exceed the daily, weekly, or monthly load limits for your ACE Elite Card.
  • The amount of the check will cause you to exceed the load limits. You may use ACE Mobile Loads to load up to $2,500 in funds per check, up to $5,000 in funds per day, and up to $10,000 in funds per month.
  • The amount of the check will cause you to exceed the maximum balance allowed on your ACE Elite Card.
  • The amount of the check is less than $5 or more than $2,500.

Why is the app saying my check isn’t filled out when it is?

It’s possible that the check is not written dark enough or that some of the information, like the amount, is not close enough to its intended area. Please return the check to the check writer for corrections, or you can contact Ingo at
(229) 276-3990 for further assistance.

Why am I being asked to submit a photo of my check with ‘VOID’ written on it?

In order to prevent a check from being submitted twice, you may be asked to write ‘VOID’ across the front of your check after it has been approved for funding and submit a photo of the voided check to ACE Mobile Loads prior to release of funds to your card.

Why is my ACE Mobile Loads account on hold?

We truly apologize for the inconvenience. ACE Mobile Loads accounts can be put on hold for a variety of reasons, such as if we are unable to re-verify your identity, or if you send us potentially fraudulent or bad checks. If your account is on hold, we recommend speaking to one of Ingo’s Customer Service Reps at
(229) 276-3990 so they can identify the reason your account is on hold.

How do I suspend or cancel my ACE Mobile Loads account?

Since the ACE Mobile Loads app does not require a membership, there is nothing for you to cancel. Simply uninstall and you’re all set.

My password isn’t working, or I’ve forgotten it. What should I do?

Not a problem! On the ACE Mobile Loads log in screen, tap ‘Recover Password.' Then enter your email address, the last four digits of your social security number, and your date of birth and we will send your password to the email address on record for your ACE Mobile Loads account.

My username isn’t working. What should I do?

If you cannot remember your username or it doesn’t seem to be working, please give us a call at (229) 276-3990 and we will reset it for you.

Who can I contact if I have questions?

If you have a question about the ACE Mobile Loads app and don’t see an answer on this page, please contact Ingo Customer Service at (229) 276-3990. You can also reach Ingo for questions at help@ingomoney.com or via Twitter at twitter.com/IngoCares.