Chase Mobile Check Deposit works through the Chase Mobile app on your phone
You photograph the front and back of a check using your phone camera, submit it through the Chase Mobile app, and the funds appear in your account within one to two business days. You do not mail the check or visit a branch. Chase processes the image and credits your account electronically.
This feature is available to most Chase checking and savings account holders. The process takes about two minutes once you have the app installed and are logged in.
Key Takeaways
- read the Chase Mobile app, log in with your username and password, and navigate to Deposit a Check to start the process.
- Photograph both sides of the check in good lighting, making sure all four corners and all text are visible and in focus.
- The app confirms receipt when ready, but funds typically post within one to two business days depending on the check amount and your account history.
- Checks deposited after 8 p.m. ET or on weekends are processed the next business day.
- You should keep the physical check for at least 30 days after deposit in case Chase needs to verify the image.
Step-by-step process for depositing a check on your phone
Open the Chase Mobile app and log in with your username and password. Tap the menu icon (three horizontal lines) at the bottom right of the screen, then select "Deposit a Check." You will see the option to choose which account to deposit into if you have multiple accounts.
Place the check on a flat, well-lit surface. Use your phone camera to photograph the front of the check, making sure all four corners are visible and the image is in focus. The app will guide you to center the check in the frame. Tap the checkmark or "Next" button to confirm the front image.
Flip the check over and photograph the back side the same way. The back typically has an endorsement line where you sign. You do not need to sign the check before photographing it—Chase handles that electronically. Once both images are captured, review them on screen to confirm they are clear and complete.
Enter the check amount manually in the app. This amount must match the check face. Tap "Submit" or "Deposit" to send the images to Chase. The app displays a confirmation message with a reference number. Take a screenshot of this confirmation for your records.
What happens after you submit the check image
Chase receives your images and processes them through their system. For most checks under $2,500, funds post within one business day. Larger checks or checks from accounts with limited history may take up to two business days. Weekend and holiday deposits are processed the next business day.
You will receive a notification in the app and, if you have push notifications enabled, on your phone when the deposit posts. You can check your account balance in the app at any time to see if the funds have arrived.
If Chase cannot read the image clearly—if text is blurry, a corner is cut off, or the lighting is poor—they will send you a message in the app asking you to resubmit. This is why good lighting and proper framing matter. If you resubmit quickly, there is usually no delay beyond the standard one to two business days.
Requirements and limits for mobile check deposits
Your account must be in good standing with Chase. New accounts (typically less than 30 days old) may have lower limits or may not be able to use mobile deposit until the account is established. Contact Chase directly if you are unsure whether your account is may be able to access.
Daily deposit limits vary by account type and history. Most established accounts can deposit up to $2,500 per day and $5,000 per month through mobile deposit. Business accounts and accounts with longer history may have higher limits. You can view your specific limit in the app under the deposit screen.
The check must be drawn on a U.S. bank and made payable to you or to you and another person. Post-dated checks (dated in the future) cannot be deposited. Third-party checks (checks made out to someone else and signed over to you) are not accepted through mobile deposit.
How to photograph a check correctly
Find a location with natural light or bright indoor lighting. Avoid shadows across the check. Do not use flash, as it can create glare that makes text unreadable. Position the check flat on a table or counter, not in your hand.
Frame the check so all four corners are visible in the photograph. The entire front of the check—including the routing number, account number, check number, amount, date, and payee name—must be legible. The same applies to the back: the endorsement area and any bank markings must be clear.
Take the photo straight on, not at an angle. If the image is blurry, delete it and take another. The app will tell you if the image quality is too low before you submit. Do not crop or edit the images—submit them as the camera captured them.
What to do if your deposit is rejected or delayed
If Chase rejects your deposit, you will see a message in the app explaining why. Common reasons include image quality too poor to read, check amount illegible, or the check does not meet deposit requirements (such as being post-dated or third-party). Retake the photographs following the lighting and framing guidelines above and resubmit.
If a deposit is taking longer than two business days to post, log into your Chase account online or through the app and look for a message from Chase in your inbox or under the deposit history. Chase may be requesting additional information or verification. Respond to any message from Chase within 24 hours to avoid further delays.
If you do not see a message and the deposit has not posted after two business days, contact Chase customer service through the app, by phone at the number on the back of your debit card, or by visiting a branch. Have your confirmation number from the deposit ready.
After the check is deposited: what to do with the physical check
Do not destroy the physical check when ready after depositing it. Keep it in a safe place for at least 30 days. If Chase needs to verify the deposit or if a problem arises, they may ask you to provide the original check or confirm details from it.
After 30 days, you can shred or destroy the check. Write "DEPOSITED" across the front and back before discarding it, in case it is found. Some people prefer to keep cancelled checks longer for tax or record-keeping purposes—that is your choice, but Chase does not require it.
Do not attempt to deposit the same check twice, either through mobile deposit or by mailing it or taking it to a branch. Duplicate deposits are flagged by the banking system and can result in holds, reversals, or account restrictions.
Frequently Asked Questions
Can I deposit a check if I do not have the Chase Mobile app?
No, mobile check deposit is only available through the Chase Mobile app. You can read it free from the Apple App Store or Google Play Store. If you prefer not to use the app, you can mail the check to Chase or deposit it at a branch or ATM.
What if the check is damaged, torn, or has writing on it?
If the check is torn but all text is still readable and the amount is clear, you can try to deposit it. If the damage makes any part illegible, Chase will reject it. Do not write on the check yourself before depositing—only the bank's markings and your endorsement should appear on the back.
How long does it take for the money to be available to spend?
Funds typically post within one to two business days. However, Chase may place a hold on the funds for up to five business days depending on the check amount, your account history, and the check's origin. You can spend the money once it posts to your available balance, even if a hold is in place.
Can I deposit a check made out to my business through my personal Chase account?
No. The check must be made payable to you personally or to you and another individual. Business checks require a business account. Contact Chase to open a business checking account if you need to deposit business checks regularly.
What if my phone camera is broken or I do not have a smartphone?
Mobile deposit requires a smartphone with a working camera. If you do not have one, you can mail checks to Chase using the address on your statement, deposit them at a Chase branch or ATM, or ask another account holder with the app to deposit the check on your behalf.