Still driving to the bank to deposit checks? With Chase Mobile Check Deposit, you can snap a photo and get your funds. Often by the next business day. Here’s how to save time and avoid deposit headaches with Chase’s top-rated mobile feature in 2025.
With over 25 years as a financial planner, I’ve watched clients lose out on same-day funds simply by not using mobile deposit. Let’s make sure you never waste another trip to the bank for a paper check again.
Many articles will give you the basics, but from my “in the trenches” experience. In this guide, you’ll find:
- How to use Chase Mobile Check Deposit step-by-step
- How fast you’ll get your money (funds availability)
- Mobile deposit limits by account type
- Eligible and ineligible check types
- How to avoid and solve common errors
My goal is simple: to help you use this tool like a pro so you can save time and access your money with less hassle. Ready to skip the bank line for good?
TL;DR -Your Top Chase Mobile Deposit Questions Answered
Here’s the bottom line on making Chase Mobile Check Deposit work for you, plus answers to what I hear most often from folks trying to get their funds faster:
- Q: How soon are my funds available?
- A: Often next business day if deposited before 11 PM ET—sometimes a portion ($225) even sooner.
- Q: What’s the most common mistake?
- A: Missing endorsement. Always sign and write: “For Mobile Deposit at Chase Only.”
- Q: What are typical mobile deposit limits?
- A: Usually $2,000/day and $5,000/month for new accounts; check your app for specifics.
- Q: What checks are eligible?
- A: Most U.S. personal, business, and government checks. No to money orders, third-party, or international checks.
- Q: What to do with the paper check?
- A: Mark it deposited, keep 14–60 days, then shred.
What Is Chase Mobile Check Deposit? How It Works
Chase Mobile Check Deposit is a secure feature in the Chase Mobile® app that lets you deposit checks using your smartphone. Simply photograph the front and back of an endorsed check, submit it in the app, and often get next-business-day funds—faster than mailing or ATM deposits. Chase’s system uses Check 21 Act technology for fast electronic processing.
Why Use Chase Mobile Deposit? Key Benefits
- Maximum Convenience: Deposit anytime, anywhere—no branch or ATM trips.
- Faster Access to Funds: Most checks clear by next business day, some partial amounts sooner with QuickDeposit℠.
- Enhanced Security: Reduce risk of lost or stolen checks. Digital records stored in your Chase app.
- No Extra Fees: Free for most Chase consumer accounts.
Michael’s Take:
Why drive when you can tap? Chase Mobile Deposit turns your phone into your personal bank teller. Mminus the small talk, plus more of your time back.
Who Can Use It? Eligible Accounts and Check Types
- Eligible Accounts: Most Chase personal checking, Chase Liquid®, savings, and many business accounts.
- Accepted Checks: U.S. personal, business, government, and most cashier’s checks—payable directly to you.
- Ineligible Items: International checks, money orders, traveler’s checks, third-party checks, altered or stale-dated checks.
Check your app for the “Deposit Checks” option to confirm eligibility.
Checks You Typically CANNOT Deposit Via the Chase Mobile App
This is where many users stumble. Knowing these exclusions for Chase Mobile Check Deposit saves a lot of hassle:
- International checks (checks drawn on banks outside the U.S. or payable in foreign currency).
- U.S. Savings Bonds.
- Money Orders (generally not accepted via mobile – these usually require an in-person deposit).
- Traveler’s Checks.
- Checks payable to “Cash” or to someone else and then signed over to you (third-party checks are a no-go for mobile deposit).
- Checks that are altered, incomplete, or suspected of being fraudulent.
- Stale-dated checks (usually older than 6 months) or post-dated checks (dated for the future).
- Checks you’ve already deposited or attempted to deposit elsewhere.
Michael Ryan’s Experience:
“I once had a client, Maria (our student), try to deposit a money order her grandmother sent. The app kept rejecting it. It’s a common point of confusion; money orders feel like checks. But for mobile deposit, they’re usually out. Understanding these ‘no-fly’ items from the start is crucial.”
How To: Step-by-Step Guide to Chase Mobile Check Deposit
- Endorse the Check: Sign and write “For Mobile Deposit at Chase Only.”
- Open the Chase Mobile® App: Tap “Deposit Checks.”
- Select Account & Enter Amount: Choose your account, enter the check’s exact amount.
- Photograph the Check: Capture clear images of the front and endorsed back.
- Review & Submit: Confirm details and tap “Deposit.”
- Retain the Paper Check: Mark “Mobile deposit on [date],” store securely for 14–60 days, then shred.
- If you need your account and routing number: Chase Bank’s Routing Number.
- Or click here to learn how to read your check routing number and account number
Youc an watch this yourtube video as well, to see the steps to deposit your checks to Chase with your phone:
Crucial Post-Deposit Step:
- Chase advises writing something like “Mobile deposit on [Date of deposit]” on the front of your paper check.
- Then, securely store the physical check for at least 14 days after the deposit shows as credited in your account.
- Some prefer longer, up to 60-90 days, just in case any issues arise later.
- After this safe period, shred it securely. DO NOT attempt to re-deposit it anywhere else or discard it immediately.
Thinking like a planner: “That 14-day (or longer) hold on the paper check? It’s your safety net. I’ve seen rare cases where an image was initially unreadable downstream, and having the original check was vital to resolve it quickly.”
–> If your Chase Deposit is delayed, I highly suggest you read my recent article about the 7 day hold at Chase bank. I also have a recent article about how long it takes for a check to clear.
Chase Mobile Deposit Limits & Funds Availability
Holds:
Large checks, new accounts, or suspicious items may trigger a hold. You’ll be notified in-app.e available much sooner than the next business day.
Deposit Limits:
Vary by account type, tenure, and relationship. Most new accounts: ~$2,000/day, $5,000/month. Check your app for your current limit.
Funds Availability:
Deposit by 11 PM ET for next-business-day funds. Some may access $225 or more sooner via QuickDeposit℠.
Factors That Can Influence Faster Availability (or Cause Holds):
- Your Account History: Longer-term customers with a good track record are more likely to see faster availability.
- Check Amount: Smaller checks often clear faster.
- Type of Check: U.S. Treasury checks often have faster availability.
- Maker of the Check: Checks from established businesses or individuals with good banking history might process quicker than checks from unknown sources or new accounts.
- Deposit History: A consistent pattern of good deposits helps.
- Potential for Holds: Chase may place a hold on your deposited check, meaning some or all of the funds won’t be available immediately.
This can happen for various reasons:
- Large check amounts.
- Checks from new accounts or accounts with a history of returned items.
- Suspicions about the check’s authenticity.
- If you’ve had recent overdrafts or returned deposits.
- You will be notified by Chase if a hold is placed, usually with the reason and when the funds are expected to be available.
On April 3, 2025, I deposited a $500 client check via the Chase Mobile app around 10:00 AM ET. Given my long-standing account, $225 was available almost instantly via QuickDeposit℠, and the rest was there by the next morning.
However, a colleague depositing a larger, out-of-state check around 11:05 PM ET (after the cutoff) saw the funds appear two business days later. The cutoff time and check characteristics really do matter.”
Troubleshooting: Solve Common Chase Mobile Deposit Errors
- Unexpected Hold:
Review cut-off times, notifications, and contact Chase for details. - Image Issues:
Ensure good lighting, dark background, all corners visible, clean lens. - Over Limits:
Check app for your deposit limit; deposit large checks at ATM or branch. - Duplicate Deposit:
Don’t retry—check your history, then call Chase if needed. - App Issues:
Update app, check connection, restart phone.
Mobile Deposit vs. ATM vs. In-Branch: When to Choose Which for Your Checks
While Chase Mobile Check Deposit is incredibly convenient for most standard checks, it’s good to know when other methods might be better:
Thinking like Maria (student):
“For my small paycheck or a birthday check from Grandma, mobile deposit is perfect! But if I had a lot of cash from tips, I’d head to a Chase ATM.”
Thinking like David (business owner):
“Mobile deposit handles 90% of my client checks. For that one unusually large project payment, or if I need to discuss something specific, I’ll go to the branch.”
Your Top Chase Mobile Deposit Questions Answered (FAQs)
Let’s tackle some of the most common questions I hear about Chase Mobile Check Deposit:
Is there a fee to use Chase Mobile Check Deposit?
Michael’s Answer:
For most Chase personal checking and savings accounts, no, there is no fee charged by Chase for using the Mobile Check Deposit service. It’s one of its best perks! (However, always verify the terms for your specific account type, especially business accounts, as fee schedules can change.)
How long should I keep my paper check after a successful mobile deposit?
Michael’s Answer:
This is important! Chase generally recommends that you write “Mobile deposit on [Date]” on the front of the check and then securely store the physical check for at least 14 days after you see the deposit credited to your account. Some people (myself included, for important checks) prefer to keep them for 30-60 days just to be extra safe. After that period, destroy the check securely (shred it!) to prevent any possibility of accidental re-deposit or fraud.
Can I deposit a check made out to someone else (a third-party check) into my Chase account using mobile deposit?
Michael’s Answer:
Generally, no. For mobile deposit, the check must be payable directly to you, or to one of the owners of the joint account you are depositing into, and then endorsed by that payee. Banks are very cautious about third-party checks via mobile due to fraud risk.
What happens if I accidentally enter the wrong amount for the check during mobile deposit?
Michael’s Answer: If you catch it before you hit “Submit,” you can usually go back and correct the amount in the app. If you submit it with the wrong amount, Chase’s system will likely detect the mismatch when it processes the check image. This could cause the deposit to be adjusted, delayed, or even rejected. If you realize it after submission, it’s best to contact Chase customer service proactively to let them know. This is why that final review step in the app is so critical!
Does Chase Mobile Deposit work for business checks and business accounts?
Michael’s Answer: Yes, Chase typically offers mobile check deposit capabilities for its business checking accounts through the Chase Mobile® app or their Chase for Business℠ platform. However, the specific features, daily/monthly deposit limits, and any applicable fees might be different than those for personal accounts. Business owners like David should always check their specific business account agreement and the features within their business banking portal.
Why did Chase put a hold on my mobile deposit?
Michael’s Answer:
Banks place holds for various risk management reasons. Common ones include: the check is for a large amount; it’s from an account or institution they can’t immediately verify; your account is new or has had recent overdrafts; or the check itself has characteristics that raise a flag (e.g., out-of-state, unusual handwriting). Chase is required to notify you of a hold and when the funds are expected to be available. If you’re unsure, calling them can provide clarity.
Making Chase Mobile Check Deposit Work For You – Faster Funds, Smarter Banking
Mastering Chase Mobile Check Deposit is all about understanding the simple process, being aware of the rules like endorsement and cut-off times, and knowing your specific account limits.
For most people, most of the time, it’s an incredibly efficient way to manage check deposits, often leading to faster access to your funds compared to older methods.
Remember those key takeaways:
- Endorse Correctly: “For Mobile Deposit at Chase Only” is your friend.
- Mind the 11 PM ET Cut-Off: For potential next-business-day availability.
- Know Your Limits: Check them in the app before depositing large amounts.
- Keep That Paper Check Safely: For at least 14 days post-credit.
By following these guidelines and leveraging the convenience of the Chase Mobile® app, you can save significant time and effort. It’s about making your banking fit your life, not the other way around. And in my book, that’s just smart personal finance.
Have you had a great (or challenging) experience with Chase Mobile Deposit? Share your tips or questions in the comments below!
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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.
