Depositing a check with the Chase app helps you add funds quickly without visiting a branch. This guide walks you through each tap so you can complete mobile check deposit with confidence.
Whether you are depositing a paycheck, refund, or other payment, the Chase Mobile app streamlines the process. Follow the steps below and use the summary table for a quick reference.
| Step | Action | What to Check | Time Required |
|---|---|---|---|
| 1 | Log in to Chase app | Use updated app or latest version | 1 minute |
| 2 | Select deposit option | Navigate to Checks or Deposit | 1 minute |
| 3 | Capture check images | Clear front and back, good lighting | 2–3 minutes |
| 4 | Review and submit | Confirm amounts and details | 1 minute |
| 5 | Complete security steps | Enter OTP or use biometrics | 1 minute |
How to Deposit a Check with Chase App: Step by Step
Start by opening the Chase Mobile app on your device. Make sure your phone or tablet has a strong internet connection and that the app is updated to the latest version.
Log in using your registered credentials. If you do not have an account, you will need to enroll in Chase Online Banking before using mobile deposit.
Once logged in, locate the account from which you want to deposit the check. Review your available balance and confirm that the check you are depositing is eligible for mobile processing.
Preparing Your Check for Mobile Deposit
Sign the back of the check exactly as it appears on the payee line. Write "For Mobile Deposit Only to Chase Bank" beneath your endorsement to help prevent misuse.
Place the check on a flat, light-colored surface. Avoid shadows, glare, or background clutter so that the app can capture clear edges and details.
Remove any staples, paper clips, or folds that could obscure important information such as the amount, date, or routing numbers.
Capturing Clear Check Images in the App
Open the Chase app and choose the deposit feature. Align the check within the on-screen frame and capture both the front and back sides as instructed.
Double-check that the app has read the routing and account numbers correctly. Edit any misread characters before you proceed to reduce processing delays.
Confirm the deposit amount matches the check total. Review all details carefully, because submitted mobile deposits are generally processed faster than mailed checks.
Submitting and Tracking Your Deposit
After you confirm the details, submit the deposit through the app. You will receive a confirmation screen and usually an email or text receipt.
Monitor your account through the Chase app or online banking to see when the funds become available. Deposits typically complete within a few business days, though larger amounts may take longer based on check origin and bank policies.
Keep the physical check safe for a period recommended by Chase, usually several weeks, in case you need to provide it for verification or dispute purposes.
Deposit Limits, Holds, and Common Issues
Chase may apply holds on certain checks, especially large amounts or those from outside the United States. You can view hold details in your account or by contacting Chase support.
If the app rejects your images, ensure that the check is not damaged and that lighting is sufficient. Resubmit the deposit only when the image quality meets clarity guidelines.
For recurring deposits, such as paychecks, the process remains the same. However, always verify that each check meets Chase requirements for mobile deposit eligibility.
Key Takeaways for Using Chase Mobile Check Deposit
- Sign and endorse the check correctly before mobile deposit.
- Capture clear front and back images in good lighting.
- Verify routing, account, and amount details before submitting.
- Keep the original check until you confirm the deposit has cleared.
- Review Chase policies for limits, holds, and third-party checks.
FAQ
Reader questions
How do I deposit a check with Chase app if the amount is handwritten? Enter the exact handwritten amount in the app, double-check each digit, and ensure the check is not damaged or altered before submitting. Can I deposit a third-party check using the Chase app?
Yes, you can deposit a third-party check, but it may be subject to longer hold periods and additional verification, so review the app instructions for third-party deposits.
What should I do if the Chase app rejects my check images?
Reposition the check, improve lighting, avoid glare, and capture both the front and back clearly, then resubmit the deposit.
When will the deposited funds be available in my account?
Funds typically become available within a few business days, though larger or non-local checks may be placed on hold and take longer to clear.