Cash your government stimulus check. No fees. No trip to the bank.

Fees associated with PayPal’s cash a check feature1 are being waived for Economic Impact Payments. Use the PayPal app to get quick and easy access to your funds.

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*Limited availability. Terms apply. PayPal Cash Plus account required.

3 easy steps:

Get more from your account

With PayPal, it’s easy to securely use your money on the things that matter. Shop millions of retailers online, make in-store purchases with the PayPal Cash Card, send money to friends and family* using the PayPal app, or transfer money to your bank account.

*Sending and receiving funds requires an account with PayPal.

Spend your stimulus payment with the
PayPal Cash Card

If you have the PayPal Cash Card2, you can spend the money in your account everywhere Mastercard® is accepted. No fees or minimum balance required.
Don't yet have the card? Request it here.3

Ready to use cash a check?

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1PayPal Cash a Check Campaign Terms and Conditions

How it works. For a limited time, use PayPal’s Cash a Check feature in our mobile app to cash any government-issued stimulus check, government-issued check or payroll check with a pre-printed signature and the check cashing fee of 1% for disbursement in minutes will be waived for approved checks (“Offer”). Checks which are not approved will not be transferred to your account with PayPal. PayPal reserves the right to cancel, extend, suspend or modify this Offer in part or in its entirety at any time without notice, for any reason in its sole discretion. Any questions relating to the promotion will be resolved in PayPal’s sole discretion and its decisions are final and binding.

Offer Period. Offer ends when the $500,000 USD cap has been reached. (“Offer Period”).

Eligibility Requirements. Must have a U.S. PayPal Cash Plus account (“Valid Account”) in good standing to participate. Must use your Valid Account and the Cash-a-Check feature in the PayPal mobile app to a) take a picture of any government issued stimulus check, government issued check or payroll check with a pre-printed signature that you want to cash, and b) send through the PayPal app for review. If approved, the check funds will be transferred into your PayPal Cash Plus account. Offer is limited to a maximum check transfer amount of $5,000 USD per day for each PayPal Cash Plus account holder. There is a minimum allowed per check transfer of $5.00 USD. The total maximum check transfer per PayPal Cash Plus account in 30 days is $15,000 USD. For the best experience, use the latest versions of the PayPal app and operating system on your mobile device.

Exclusions/Disqualification. Offer is void and 1% check cashing fee will not be waived if, in PayPal’s sole discretion: (1) it is made in an attempt to tamper with or impair the administration, security, proper play, or fairness of this Offer, (2) it is not completed through legitimate channels, (3) any Offer-related materials are counterfeit, altered, defective, tampered with or irregular in any way, or (4) any person supplies false or misleading information, participates by any fraudulent means, or is otherwise determined to be in violation of these Terms. The Offer is void where prohibited, if submissions are not completed through legitimate channels, or if any promotion related materials are counterfeit, altered, fraudulent, defective, tampered with or irregular in any way.

The Cash a Check feature is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Fees and terms apply. All checks subject to review for approval. Unapproved checks will not be funded to your account. For more details, visit

2The PayPal Cash Card is a debit card linked to your PayPal Cash Plus balance. The PayPal Cash Card is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal Cash Plus account. Funds you hold in a PayPal Cash Plus account are not insured by the FDIC unless you have successfully requested a PayPal Cash Card. If you have successfully requested a PayPal Cash Card, then we will deposit the funds in your PayPal Cash Plus account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal Cash Card is intended to provide the funds in your PayPal Cash Plus account with the benefit of pass-through FDIC insurance up to applicable limits.

The PayPal Cash Mastercard is issued by The Bancorp Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted. The Bancorp Bank is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

3PayPal Cash Plus account required to get the card.
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Terms apply. See Cardholder Agreement for details.

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