How to Deposit a Check Online With Chase Bank

Chase Mobile Check Deposit lets you photograph a check and send it to your account without visiting a branch

Chase's mobile check deposit feature is built into the Chase Mobile app. You take a photo of the front and back of your check, enter the amount, and submit it. The bank processes the deposit and the funds appear in your account — usually within one business day, though it can take up to two.

You need a Chase checking or savings account, the Chase Mobile app installed on your phone, and a valid photo ID to set up the feature the first time. After that, you can deposit checks from anywhere: home, work, a parking lot. You do not need to visit a branch or an ATM.

Chase also offers check deposit through its online banking website if you prefer not to use the app, though the mobile app is faster and more reliable for most people.

Key Takeaways

• read the Chase Mobile app, sign in with your online banking username and password, and tap the deposit icon to start a mobile check deposit.
• Take clear photos of both the front and back of the check, making sure all four corners are visible and the text is readable.
• Enter the check amount and the account you want the money to go to, then submit — you will see a confirmation number.
• Funds usually appear in your account within one business day, though Chase allows up to two business days.
• Once you submit a check, do not deposit it again at an ATM or branch, and do not spend the money until it clears.

Step-by-step: depositing a check through the Chase Mobile app

Open the Chase Mobile app and sign in with your username and password. Tap the menu icon (three horizontal lines) at the bottom right, then select "Deposit a Check" or look for a camera icon labeled "Mobile Check Deposit" on the home screen — the exact location varies slightly by phone type.

Tap "New Deposit" and choose the account where you want the money to go. Place the check on a flat surface with good lighting. Take a photo of the front of the check, making sure all four corners are visible and the numbers and text are clear. The app will show you a preview. If the image is blurry or cut off, retake it.

Tap "Next" and take a photo of the back of the check. Again, all four corners must be visible. Once both photos are submitted, the app will ask you to enter the check amount. Type the dollar amount exactly as it appears on the check, then select the account again to confirm.

Review the information on the screen. If everything is correct, tap "Submit" or "Deposit". You will see a confirmation number and a message saying the deposit was received. Write down the confirmation number or take a screenshot — you will need it if there is a problem.

What happens after you submit a check

Chase sends your photos to their processing center. Within one business day, the bank verifies the check amount and the account number, then credits the funds to your account. You can see the deposit in your account as "pending" right away, but you cannot withdraw or spend the money until it fully clears.

If the check clears without problems, the status changes from "pending" to "posted" and the money is yours to use. This usually happens by the next business day. If Chase finds a problem — the check is damaged, the amount is unclear, or the signature is missing — they will contact you and may reject the deposit.

Once you submit a check through mobile deposit, do not deposit it again at an ATM, at a branch, or anywhere else. Depositing the same check twice is considered fraud, even if you do it by accident, and can result in overdraft fees, a hold on your account, or legal action.

Limits on how many checks you can deposit

Chase does not publish a daily limit on the number of checks you can deposit through mobile check deposit, but the bank does limit the total dollar amount per deposit and per day. These limits vary based on your account type and how long you have been a customer.

New customers often have lower limits — sometimes $500 per check and $1,000 per day. Established customers may have limits of $2,500 per check and $5,000 per day or higher. You can see your specific limit in the Chase Mobile app before you submit a check.

If you need to deposit a check larger than your limit, you can visit a Chase branch or ATM in person. You can also call Chase customer service at the number on the back of your debit card to ask about raising your limit.

Common mistakes that cause deposits to be rejected

The most common reason a check deposit is rejected is blurry or incomplete photos. If the corners of the check are cut off, if the numbers are hard to read, or if the signature is not visible, Chase will reject the deposit. Make sure you take the photos in good light and hold the phone steady.

Entering the wrong amount is another frequent error. Type the amount exactly as it appears on the check, including cents. If you enter $500 when the check says $500.50, the deposit will be rejected or the amount will be wrong.

Depositing the same check twice — once through mobile deposit and once at an ATM or branch — is the most serious mistake. This triggers fraud alerts and can freeze your account. Always keep the physical check until the deposit clears, then destroy it.

Trying to deposit a check that is post-dated (dated in the future), stale-dated (more than six months old), or already endorsed to someone else will also result in rejection. Chase will only accept checks dated today or in the past, within the last six months, and made out to you or your business.

Depositing checks through Chase online banking instead of the app

If you do not want to use the mobile app, you can deposit a check through Chase.com on a computer or tablet. Sign in to your account, go to the "Deposits" or "Mobile Check Deposit" section, and follow the same process: upload photos of the front and back, enter the amount, and submit.

The online method works the same way as the app — funds appear within one business day and you get a confirmation number. The main difference is that the app is faster to open and easier to use on a phone, while the website is better if you want to use a larger screen or a scanner instead of your phone camera.

Some people prefer the website because they can use a document scanner to take higher-quality photos. If you have a scanner at home, scanning the check and uploading the image through Chase.com may result in clearer photos and fewer rejections.

What to do if your check deposit is rejected

If Chase rejects your deposit, you will see a message in the app or on the website explaining why. Common reasons are blurry photos, an unclear amount, a missing signature, or a check that is too old. Read the rejection message carefully.

If the problem is a blurry photo, retake the pictures in better light and try again. If the check is post-dated or stale-dated, you cannot deposit it through mobile deposit — you will need to wait until the date is current or contact the check writer for a new check. If the signature is missing, ask the person who wrote the check to sign it and try again.

If you have tried multiple times and the deposit keeps getting rejected, visit a Chase branch in person. A teller can look at the physical check and deposit it manually, or tell you why the bank cannot accept it.

Frequently Asked Questions

How long does it take for a deposited check to clear?

Chase usually credits mobile check deposits within one business day. The funds show up as "pending" right away, but you cannot spend them until the status changes to "posted," which typically happens by the next business day. Weekends and holidays can add extra time.

Can I deposit a check made out to someone else?

No. Chase only accepts checks made out to you or your business. If a check is made out to someone else, that person must deposit it into their own account, or they can sign the back and write "Pay to the order of [your name]" to endorse it to you — though many banks no longer accept third-party checks.

What if I accidentally deposit the same check twice?

Contact Chase when ready. Call the number on the back of your debit card and explain what happened. The bank can reverse one of the deposits and may waive any overdraft fees that resulted. Do not wait — the sooner you report it, the easier it is to fix.

Do I need to keep the physical check after I deposit it?

Yes, keep it until the deposit fully clears and posts to your account. Once the status changes from "pending" to "posted," you can destroy the check by shredding it. Do not throw it away or recycle it — shred it to protect your information.

Can I deposit a check from another bank into my Chase account?

Yes. As long as the check is made out to you and is from a valid U.S. bank, you can deposit it into your Chase account through mobile check deposit. The process is the same whether the check is from Chase or another bank.