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Chase Mobile Check Deposits (Complete 2022 Guide)

Disclaimer: This content is not intended to be financial advice and is for informational purposes only. aTimeforCash is reader-supported. We may earn commissions if you buy through our links at no cost to you.

In the 21st century, Chase Mobile is a leader in the finance and banking industry that offers deposit services to its customers. 

Chase Mobile Deposits are a game-changer for busy people like you. The app was designed to make it easier for you to manage your life, including managing your money. With the convenience of bank-level security, customers can deposit checks by taking pictures.

This app makes it possible to deposit checks from different sources, such as the back of store receipts or even pictures taken with your phone. It has since been adopted with great success by consumers looking for convenience and security.

Look no further if you’re looking for a quick and easy way to deposit funds from your Chase Bank account safely. Chase Mobile Deposits is the answer to all your banking needs.

Person doing a mobile check deposit
This is how you can use your smartphone to make mobile check deposits with your Chase account.

In This Post:


Can I Mobile Deposit Checks with Chase?

Yes. Anyone with a Chase checking account can utilize this new feature. Users who do not have one of these accounts will not have access to this particular feature as it can only be used with an existing Chase checking account.

Chase Mobile Deposits is available to anyone who has a checking account (no minimum balance required) enrolled in the Mobile Deposit feature. 

If a user does not have an active Chase checking account, then they will not be able to utilize the Mobile Deposit feature. Instead, they must go into a branch or contact Chase customer service to complete check deposits.

Chase will soon begin allowing mobile check deposits through its online banking offering, Chase Online, and its high-end investment service, Chase Investment Advisor. 

Suppose a user has a Chase Debit or credit card and is also signed up for this service. In that case, they can utilize the Mobile Deposit function by entering their Chase online banking password and entering the information needed to complete a check deposit. 

This can be done while the user is in front of his or her regular computer or through an app on their phone.

If you want to use the Chase Mobile feature to deposit checks, it is highly recommended that you use a mobile device equipped with a camera. The process can be completed quickly and easily if you follow these simple instructions:

Make sure that you have your checkbook with you. This should include all of the checks you want to deposit your money.

Locate your nearest Chase branch. This should be listed on the website for Chase banking services, but if it is not, it is possible to come up with an approximate location through Google Maps.

When you arrive at the location, select Chase Mobile Deposit from the main menu on your mobile device. This will prompt you to enter your deposit information, including account numbers and check numbers.

Once you are finished entering your information, make sure to take a photo of the check as it appears on your mobile device and the account number on which it is being deposited. 

Once these have been correctly entered into Chase Mobile, they will be connected to the corresponding accounts within Chase banking services. As such, no additional information will be required to complete your transaction.

You may also elect to use this feature to deposit more than one check if so desired. It will carry the same procedure as described above, with the exception of this time being necessary to enter each check’s account number into the form.

How to Mobile Deposit Checks with Chase (Step-by-Step)

To deposit money to your Chase Mobile account from a check, please follow these instructions:

Step 1: Log in to the Chase Mobile app using your mobile device.

Step 2: On the home page, tap “Deposit Checks.” You will be directed to the Deposit Checks screen. The screen lists all of your linked deposit accounts. If a deposit account is not listed on the Deposit Checks screen, please go to step 3 and follow the instructions below.

Step 3: On the Deposit Checks screen, tap Add Account and enter your account information, including name, account number, and routing number (ABA). Tap “Continue” when finished.

Step 4: Type in the amount of the check. For example, to deposit a $1,000 check, enter 1000.00 in the Start and End Balance fields, then tap Next.

Step 5: On the Deposit Screen, select your method for taking a picture of your check. 

To take a picture: Follow these instructions depending on your mobile device manufacturer:

  • Apple iPad/iPhone/iPod Touch users (iOS 5 or higher): Hold your device steady while taking the picture and press Save when finished.
  • Apple iPad/iPhone/iPod Touch users (iOS 4 or lower): Tap the Camera to access the camera view, then use the on-screen shutter button to take the picture.
  • Samsung Android Users: Tap the camera to access the camera view, then use the on-screen shutter button to take the picture.
  • Other Android users: Tap Android Device, tap Camera and follow onscreen instructions.

Step 6: After taking the picture, you will be asked to sign your name on a virtual check.

Step 7: On the Deposit Screen, select your method for submitting the check:

  • Standard Method: Enter your bank routing number and account numbers by typing them in or scanning the barcode on your check.
  • Quick Method: Type in the routing number and account numbers directly by tapping the corresponding fields.
  • Track Method: Tap Track to have Chase link a tracking number to the deposit account.

Step 8: If you selected Track Method in step 7, enter the 10-digit tracking number and tap Submit.

Step 9: On the Deposit Screen, review your check information before submitting it and tap Submit to continue.

Step 10: Once submitted, you will see a confirmation screen showing your check details and the date/time of submission. Your check information is also available on the Overview screen.

Step 11: Your funds will be available after your check has cleared and the standard hold period has passed (typically 5 business days).

How Much is the Chase Mobile Deposit Limit?

Chase does not limit the amount of money you may deposit through a check. However, if you deposit checks using an ATM, you are limited to 30 checks. Chase restricts daily deposits to $2,000 if you utilize a mobile deposit. You’re also restricted to $5,000 in mobile deposits every 30 days.

Every time you log in to your account, you will see the status of what has been transferred from your bank. The next steps are choosing a recipient or sending it back to yourself for safekeeping until the money is needed again.

Essential Tips for Mobile Deposits

If you try to send a large check through the Chase app, it will warn you that the transaction will be declined. Chase requires your image to be taken one check at a time. This means that you should take pictures of each check before depositing the money.

Once you deposit the money, it will immediately show up in your account. You can send money from mobile banking or through an app called Chase Pay. Chase Pay lets you send money to anyone with a credit card.

You can also use Chase Mobile Check Deposits from the Chase Mobile app. You have to download it from the Apple Store or Google Play. This will give you access to your account and mobile deposits 24/7.

Why is my Chase Mobile Deposit Limit so Low?

Many consumers are frustrated that their deposit limit is too low and that their account is regularly overdrawn. 

Many consumers find their deposit limit increasing over time, but it’s essential to know that these limits have nothing to do with your creditworthiness or bank responsibility. 

Chase’s limits are based on your checking balance. If the funds you’ve deposited aren’t greater than the amount in your checking account, Chase will not allow you to deposit more. You may be able to deposit a check-up to $1,000, including checks with other financial institutions. 

However, this figure is subject to change depending on what financial institution you’re using and their type of checks. It’s also possible that payments could be rejected by Chase Mobile Deposit if your account is overdrawn or if you’re in violation of some of their policies.

What are the Limits I Should Deposit?

According to the Chase site, deposits have been limited because of a fluctuation in their customer base. 

The number of new customers using Chase Mobile has dropped below what they can comfortably serve. They can’t keep up with a high volume of transactions.

If you want your deposit limits increased or if you want to receive notifications for when your balance reaches or exceeds certain thresholds, you’ll need to upgrade your account level. 

Any limitations will be removed after verification has been completed and your account is connected with a valid checking account number and cardholder name. 

When is my Mobile Deposit with Chase Available in my Account?

The Mobile Deposit function (Mobile Deposit) is available when you have an eligible Chase checking account.

You can deposit checks electronically from your smartphone or tablet. Just download the Chase Mobile Deposit App and make a deposit. 

We will send a text message or email confirmation with a link to complete your deposit. You can also use Chase QuickPay, available for Android and iPhone, at any ATM or through the Chase Mobile app.

You can update your email address or mobile phone number on the Chase Website to get reminders about your available funds. Please review their Mobile Deposit FAQs for additional information.

Note: If you have more than one account with Chase, we will begin depositing funds from the account where you initiated the deposit.

It also depends on what day you deposit the check.

On a business day you can access your deposited funds:

  • By 11 PM Eastern time, the next business day if you submit the deposit before 11 PM Eastern time.
  • If you submit by 11 PM Eastern time, funds will be available in your account the next business day but might not “post” until later that evening. Check with your financial institution for their specific handling of Mobile Deposit transactions if this situation applies to you.

If you do not have a Chase checking account,

 The top 3 reasons why this feature may not be for you (even if you have a Chase credit card): 

  • You may not get a receipt. 
  • You may not get an email/text or phone call when your deposit is available in your account. 
  • You won’t be able to track the deposit.

This feature is not available in all states

Here are some tips: If you have a Chase Personal Savings or Chase Premier Plus Checking SM, making your deposits through them may be more beneficial since they earn interest and allow you to write checks from them. 

If you do not use the account often, open a separate Chase checking account that earns interest but only uses mobile check deposits. If there are errors or issues with your deposit, it will impact the account that you don’t use very often (i.e., less of a pain than your primary checking).

How to Endorse a Check for Chase Mobile Deposit

Chase Mobile offers a wide selection of deposit methods and provides an endorsement feature. If you have a bank account with Chase and notice that someone else signed your check, you can click on the “endorse” button to change the check’s payee. 

From there, it will be deposited into your Chase account. This is beneficial for individuals who need to make purchasing or delivery arrangements with vendors but want to make sure the invoice is paid before it’s finalized.

Here is a list of simple steps to endorse a check for chase mobile deposit:

Step 1: Visit the Chase website at www.chase.com

Step 2: Log onto your user account

Step 3: Click on Mobile Deposits 

Step 4: Click on the “Add New Deposits” link. 

Since Chase Mobile always checks the authenticity of a signed check once it’s been endorsed, this feature is handy for businesses dealing with illegal activities such as fraud or identity theft.

Chase Mobile Deposit allows for a lot of flexibility with check deposits. Customers can endorse the check and take pictures of the back to upload them to the app. 

They can use Chase QuickDeposit, which allows them to take images of any document they receive in the mail, including checks. If customers need help with the app, they have customer service available.

Chase Mobile requires users to register with their account before depositing checks using the mobile app. A valid credit card number is required to verify that the account is a real one and belongs to the person who will be depositing it into Chase Mobile. 

Once successfully verified, a deposit is created and transferred from the source bank to Chase Mobile’s account. As the account holder, it is your responsibility to submit the funds by paper check or deposit them directly into a checking account or savings account held with Chase. 

Chase Mobile deposits are paid on their schedule. The average clearing time before a check is deposited in 3 to 5 days after it has been submitted and cleared by the source bank. If submitted electronically as a direct deposit, clearing time should be about 24 hours after the money is transferred. 

Can I Deposit Money Orders Using Chase Mobile Deposit?

Yes. Money orders can be deposited directly into a checking, savings, or money market account by going to the Chase Mobile Deposit page online via your phone or computer. 

This is not the only way to deposit a money order, however. You may drop the physical money order into an authorized Chase branch location, especially if you include your legal name and address. Chase will then have your details for you and will deposit them immediately.

Chase Mobile Deposit is a deposit service that allows you to make deposits from your smartphone or tablet. You follow three easy steps to do this technique:

Download the Chase Mobile app, if you don’t already have it on your device, from either of the App Stores (Google Play Store and Apple App Store) on your Apple iPhone or Android smartphone. Reserve, a deposit slip from your account manager. 

When the slip arrives by mail, click on the link on the bottom of the slip to make a deposit. Take a photo with your phone of the front and back of any checks you would like to deposit into your Chase account. Each check needs its photo so it can be processed individually.

Can I Deposit Checks Via Chase Mobile Deposit?

You can deposit any check you have either using the envelope in which it came or via Chase Mobile Deposit. This is a convenient payment option, and all you have to do is keep the check with your Chase mobile deposit account for one of two reasons:

To find out how many checks are in your account at a specific time, go to “My Account” from any device and select “Deposit History.” 

Then, use the drop-down menu under “Check History” to select the date range you want. The system will give you a report of checks deposited. To use this function, you will need to create an account first.

What Is The Chase Mobile Deposit Check Service?

Chase Mobile Deposit is a service that allows you to deposit checks from your smartphone or tablet. This tool is one of the most convenient and secure options for anyone looking to deposit personal or business checks from their mobile device. Just follow these simple steps:

To get started, download the Chase Mobile app and log in with your account number and PIN number. Then, create a check request that provides your account number, check amount, and a description of the type of check you are depositing into your account (personal or business). 

The request will generate a copy of your deposit slip via email, which you can print out or keep on the phone. With the original check handy, use the Chase Mobile app to snap a picture of the front and back of it. 

Ensure there aren’t any stains or damage to make sure the image is sharp. If there are, you can take a photo with your phone and report it as damaged. 

When you have both photos ready (front and back), attach them to the deposit slip request, print out your receipt and present it at your closest Chase branch.

Will Chase Mobile Deposit My Money Order Immediately?

Yes, though it’s not a direct deposit right away. The company says that it’ll credit your account within two business days of receiving the check and send you an e-mail confirming this status and any information that might come up during these probings. It’ll also e-mail you should there be a problem with your account. 

Who Do I Contact if I Have Issues with Chase Mobile Deposit?

If you encounter any issues while using Chase Mobile Deposit, you will want to contact the company directly. 

The phone number is listed on the official website as a customer service contact number. You can also use the online chat feature to communicate with customer service representatives.

How Exactly Does Chase Mobile Deposit Work?

Chase Mobile Deposit works by customers being able to upload checks from their bank account to the mobile app. This gives them a secure way to deposit checks and get paid quickly, but In general, Chase Mobile Deposit is an easy process. Chase Mobile Deposit allows customers to deposit checks in two ways:

  • Uploaded checks 
  • Uploaded images

The first option essentially mimics how most customers currently deposit checks into their bank accounts. As pictured above, some American consumers will upload images of their checks using either a scanner app or their phone’s camera feature. 

The second option is similar, with them uploading text or numerical information.

What are the Benefits of Using Chase Mobile Deposit?

A great deal of utility comes from Chase Mobile Deposit, but the most notable advantage is access to funds. Most consumers will be able to deposit checks into their accounts within minutes, giving Chase customers quick access to their funds. 

It also offers customers more control over how they handle deposits, as many of whom will be able to make edits and changes in real-time as they upload. 

This can be very convenient for those uncomfortable with banks at first, as they can learn about how the process works without feeling like it’s public knowledge (though it does have security measures in place). 

As with other Chase products, there is a very low cost associated with the services. Customers will only be charged $3.95 per deposit (with fees of $3.95 per deposit going up to $10 per deposit in 2019). 

This means that Chase Mobile Deposit accounts have an average cost of only ~$5 to use over the course of their lifetime, which is well below the average cost for other banking services. 

What are the Drawbacks of Chase Mobile Deposit?

The main drawback that customers may encounter when using the Chase Mobile Deposit app is a lack of available features from one bank’s mobile app versus another

In general, though, the app works as intended and is a great way to make deposits promptly. This method is generally more secure for customers than going into their local branch and getting money from an ATM. 

No download costs are required to use this app, but its general stability can sometimes be an issue. 

Some users have reported that their phone’s camera would not save their image or upload the check correctly, although this was likely due to hardware issues with their phones themselves. 


Wrapping Up

The Chase Mobile Deposit has a helpful and convenient set of tools that make it easy for users to deposit checks and make deposits within minutes. This clear account and mobile banking tool enable everyone to pay their bills and generate extra income while offering consumers more control over their finances.

Everything within the application is highly intuitive, making it easy for anyone to understand and use the mobile deposit feature. Chase Mobile Deposit can be downloaded from either Android or iOS devices. 

The Chase Mobile Deposit app is an innovative and user-friendly application designed especially for depositing checks and money into many accounts. The mobile app makes it convenient for consumers to deposit check payments directly into a checking account via their phone.

Reference

  1. https://www.chase.com/digital/mobile-deposits#:~:text=Deposit%20checks%20with%20the%20Chase%20Mobile%C2%AE%20app.&text=Use%20Chase%20QuickDeposit%E2%84%A0%20on,and%20access%20your%20funds%20quickly.&text=Save%20a%20trip%20to%20the,your%20schedule%2C%20anytime%20and%20anywhere.&text=Deposit%20checks%20securely%20from%20your%20mobile%20phone%20or%20tablet.
  2. https://www.chase.com/business/online-banking/quick-deposit
  3. https://wallethub.com/answers/ca/chase-check-deposit-limit-2140682293/#:~:text=Chase%20doesn’t%20limit%20the,day%20period%20in%20mobile%20deposits.
  4. https://www.atimeforcash.net/chase-bank-deposits/#:~:text=According%20to%20Chase%20Bank%20customer,you%20would%20with%20any%20check.