Chase Mobile Check Deposit lets you photograph a check and send it to your account without visiting a branch
Open the Chase Mobile app on your phone, tap the deposit icon (usually a camera or envelope symbol), photograph the front and back of the check, enter the amount, and confirm which account receives the deposit. The app transmits the images and details to Chase, and the funds typically appear in your account within one business day. You do not need to sign the check or write anything on it before photographing — Chase handles the rest.
The process takes about two minutes. You need the Chase Mobile app (available on iPhone and Android), your phone's camera, and a check made out to you or your account. The check must be a U.S. dollar check drawn on a U.S. bank.
Key Takeaways
- Mobile check deposit works through the Chase Mobile app by photographing both sides of the check and confirming the deposit amount.
- Funds from mobile deposits typically post within one business day, though the exact timing depends on when you submit and what day of the week it is.
- You can deposit up to $10,000 per check and up to $100,000 per day through mobile deposit, though limits vary by account type and history.
- Do not sign the check, write on it, or alter it in any way before photographing — send it as-is.
- If the deposit fails or is rejected, Chase will notify you through the app, and you will need to deposit the physical check at an ATM or branch instead.
Step-by-step process for depositing a check on your phone
Start by opening the Chase Mobile app and logging 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" — the exact location varies slightly depending on your phone type and app version.
Select the account where you want the deposit to land. Tap "Take Photos" and photograph the front of the check in good lighting. The app will guide you to center the check within the frame. Take a second photo of the back of the check. Both images must be clear and show the entire check — blurry or partial images will cause the deposit to fail.
Enter the check amount in the field provided. This should match the dollar amount printed on the check. Review the images one more time to confirm they are legible, then tap "Submit" or "Deposit." Chase will display a confirmation number. Save or screenshot this number in case you need to reference the deposit later.
Timing: when the money appears in your account
Funds from a mobile check deposit typically post within one business day of submission. If you deposit on a Monday morning, the money usually arrives by Tuesday. If you deposit on Friday evening or over the weekend, expect the deposit to post on Monday or Tuesday.
Chase processes mobile deposits in batches, so the exact timing depends on when during the day you submit. Deposits submitted before 11 p.m. Eastern Time on a business day are usually processed that same night. Deposits submitted after 11 p.m. or on weekends are processed the next business day.
Some checks take longer — particularly large amounts, checks from out-of-state banks, or checks that fail initial verification. Chase will notify you through the app if there is a delay or if the deposit is rejected.
Deposit limits and account restrictions
Chase sets a per-check limit of $10,000 and a daily limit of $100,000 for mobile deposits. These limits apply to most checking and savings accounts. New accounts or accounts with limited history may have lower limits — Chase may start you at $2,500 per check and $5,000 per day, then increase the limits after 30 to 60 days of account activity.
Business accounts, money market accounts, and some specialty accounts have different limits. Log into your Chase account online or call the number on the back of your debit card to confirm your specific limits.
Once you hit your daily limit, you cannot deposit additional checks through the app that day. You will need to wait until the next calendar day or deposit the remaining checks at an ATM or branch.
What to do if the deposit is rejected or fails
Chase will send you a notification through the app if a deposit is rejected. Common reasons include blurry images, missing information (like the routing number or signature line), a check that is post-dated or stale-dated, or a check that does not match the account name.
If the deposit fails, do not re-photograph and resubmit the same check multiple times — each attempt counts against your daily limit. Instead, take the physical check to a Chase ATM or branch and deposit it there. Bring your debit card and the check itself.
If you believe the rejection was an error, you can contact Chase customer service through the app or call the number on the back of your debit card. Have your confirmation number and the check details ready. Chase can sometimes override a rejection or provide more detail about why the deposit was declined.
Security and fraud protection for mobile deposits
Chase encrypts the images you send and stores them securely. The bank does not keep the photographs after the deposit clears — they are deleted from their servers after a set retention period. Your phone's camera and internet connection are your responsibility; use a secure Wi-Fi network or your phone's data connection, not public Wi-Fi at a coffee shop.
After you submit a mobile deposit, do not spend or deposit the physical check elsewhere. Depositing the same check twice — once through the app and once at a branch or ATM — is check fraud and can result in overdraft fees, account closure, or legal action. Destroy the physical check once the mobile deposit posts to your account.
If your phone is lost or stolen, the thief cannot access your Chase account without your login credentials. However, you should change your Chase password immediately and monitor your account for unauthorized activity.
Alternatives if mobile deposit is not working
If the Chase Mobile app is down, your phone's camera is broken, or you are having repeated deposit failures, you have other options. Chase ATMs accept check deposits 24 hours a day — insert the check into the envelope slot, follow the on-screen prompts, and the deposit posts the same way as a mobile deposit. You do not need to enter an amount; the ATM reads the check.
Visit a Chase branch during business hours and hand the check to a teller. This is the slowest option but guarantees the deposit is processed correctly. Bring your debit card or account number and a photo ID.
If the check is from another bank and you have an account there, you can deposit it through that bank's mobile app or ATM, then transfer the funds to your Chase account once they post. This takes an extra day or two but works if Chase's system is unavailable.
Frequently Asked Questions
Do I need to sign the back of the check before photographing it?
No. Do not sign, write on, or alter the check in any way. Chase's system reads the check as-is. If you sign it, the images may be rejected or flagged for manual review, which delays the deposit.
What if the check is made out to my business, not my personal name?
You need a Chase business account to deposit a business check through mobile deposit. Personal accounts cannot accept checks made out to a business name. If you have a business account, the process is the same — open the business app, select the business account, and photograph the check.
Can I deposit a check that is post-dated or from more than six months ago?
No. Chase will reject post-dated checks (checks with a future date) and stale-dated checks (checks older than six months). Wait until the post-dated check's date arrives before depositing, or contact the check writer and ask for a new check.
What happens if I deposit the same check twice by accident?
Chase's system is designed to catch duplicate deposits, but it is not foolproof. If both deposits post, you will have twice the amount in your account. Chase will eventually discover the duplicate and reverse one of the deposits, potentially causing an overdraft. Destroy the physical check immediately after the mobile deposit posts to prevent this.
How long should I keep the physical check after depositing it?
Keep it for at least 30 days after the deposit posts. This gives Chase time to fully process and clear the check. After 30 days, shred or destroy it. Do not deposit it anywhere else.