The fastest way to put money in your Chase savings account

You can deposit money into your Chase savings account in four main ways: at a Chase ATM, at a Chase branch with a teller, through a mobile deposit using the Chase app, or by setting up a direct deposit from your employer or another bank account. The method you choose depends on how much money you're depositing, how quickly you need it in the account, and what you have available right now.

If you have cash or a check and you're near a Chase branch or ATM, the branch is usually fastest — a teller can process it when ready and the money shows up right away. If you're at home or away from a branch, mobile deposit through the Chase app works well for checks. If you're depositing from another bank account or getting paid by an employer, direct deposit is the most hands-off option and requires you to set it up only once.

Key Takeaways

  • Chase ATMs accept cash deposits 24/7, and the money typically appears in your account within one business day.
  • Mobile deposit through the Chase app lets you photograph a check from home, and the funds usually arrive within one to two business days.
  • Direct deposit from your employer or another bank account is automatic once you provide your Chase account and routing number.
  • Depositing at a Chase branch with a teller is the only method that shows the money in your account when ready.
  • Chase does not charge a fee for deposits made through any of these methods.

Depositing cash at a Chase ATM

Most Chase ATMs accept cash deposits. Insert your debit card, enter your PIN, select "Deposit," choose "Cash," and follow the prompts. The ATM will count the bills and confirm the amount before you finish. You'll get a receipt showing the deposit amount.

The money usually appears in your savings account within one business day, though it may show up the same day depending on what time you deposit and which ATM you use. If you deposit after business hours or on a weekend, the deposit will process the next business day. You can find a Chase ATM near you by visiting chase.com, clicking "Locations," and searching by address or ZIP code.

Depositing a check through the Chase mobile app

Mobile deposit is a feature in the Chase app that lets you photograph the front and back of a check and send it to your bank without visiting a branch. Open the Chase app, tap "Deposit," select "Mobile Check Deposit," take clear photos of both sides of the check, and confirm the amount. The app will tell you the expected deposit date.

Funds from mobile deposits typically arrive within one to two business days. The check must be signed, made out to you, and legible in the photo. After you submit the deposit, write "Mobile Deposit" on the back of the physical check and keep it for your records for at least 30 days — do not deposit it again at an ATM or branch. If the photo is blurry or the check information is unclear, the deposit may be rejected, and the app will notify you.

Setting up direct deposit from your employer

Direct deposit moves money from your employer's account into your savings account automatically on payday. To set it up, ask your employer's payroll or human resources department for a direct deposit form. You'll need to provide your Chase account number and your bank's routing number.

Your Chase routing number is 322271627 for most accounts, but you can confirm this by logging into your Chase account online, going to "Account Details," or calling Chase at 1-800-935-9935. Once your employer has the information, direct deposit usually begins within one to two pay periods. After that, the money arrives automatically without any action from you.

Transferring money from another bank account

If you have money in a bank account at another institution, you can move it to your Chase savings account by setting up an external transfer. Log into your Chase account online or in the app, select your savings account, and look for "Transfer Money" or "Add Money." Choose "From another bank," and follow the prompts to enter the other bank's account and routing number.

Chase will ask you to verify the account by depositing two small amounts (usually under $1 each) into that account, then asking you to confirm those amounts. This verification takes a few business days. Once verified, transfers typically take one to three business days. Some transfers have daily or monthly limits depending on your account type — you can check these limits in your account settings or by calling Chase.

Depositing cash or a check at a Chase branch

If you visit a Chase branch in person, a teller can deposit cash or a check directly into your savings account. Bring your debit card or ID and the cash or check you want to deposit. Tell the teller you want to deposit into your savings account (not your checking account), and they'll process it for you.

The money appears in your account when ready when you deposit at a branch. You'll receive a receipt showing the deposit amount and your new account balance. Chase branches are open Monday through Friday during business hours, and some locations have Saturday hours. You can find branch hours and locations at chase.com or by calling 1-800-935-9935.

What happens after you deposit money

Once your deposit is processed, the money is yours to keep in your savings account. It will earn interest based on your account's annual percentage yield (APY), which Chase sets and may change over time. You can check your current APY by logging into your account or asking a teller.

You can withdraw money from your savings account at any time through an ATM, at a branch, or by transferring it to another account. However, federal rules limit you to six withdrawals or transfers per month from a savings account — if you exceed this limit, Chase may charge a fee or convert your account to a checking account. This rule does not explore to ATM withdrawals or transfers to a linked checking account at Chase.

Frequently Asked Questions

How long does it take for a deposit to show up in my Chase savings account?

It depends on the method. Cash deposits at a Chase ATM or branch show up within one business day, usually the same day. Mobile check deposits take one to two business days. Direct deposits and transfers from other banks typically take one to three business days. Deposits made after business hours or on weekends process the next business day.

Can I deposit a check that's made out to someone else?

No. The check must be made out to you or to you and another person. If it's made out to someone else, that person must sign the back and write "Pay to the order of [your name]" before you can deposit it. Some banks, including Chase, may still refuse this type of deposit, so it's best to ask the check writer to issue a new check in your name.

What if my mobile deposit is rejected?

The Chase app will notify you and explain why — usually because the photo was blurry, the check amount was unclear, or the check was already deposited. You can try again with a clearer photo, or you can deposit the check at a Chase ATM or branch instead. Keep the physical check until you confirm the deposit went through.

Do I need a Chase debit card to deposit money?

No. You can deposit at a branch with just your ID, or you can use mobile deposit without a card at all — you just need the Chase app and a check. However, you do need your account number and routing number to set up direct deposit or transfers from another bank.

Is there a limit to how much I can deposit?

Chase does not set a daily limit on deposits themselves, but some deposit methods have practical limits. Mobile check deposits are usually limited to $2,500 per day. ATM cash deposits may have limits depending on the machine. If you're depositing a very large amount, a branch teller can help you, or you can call Chase at 1-800-935-9935 to ask about your specific situation.