The fastest ways to put money in your Chase savings account
You can deposit money into a Chase savings account through your mobile app, at an ATM, at a Chase branch, by transfer from another bank account, or by having your employer or another source deposit directly. The method you choose depends on how much money you're depositing, how quickly you need it to show up, and whether you have access to a Chase location or app.
Mobile deposits through the Chase app are the fastest for checks — the money usually shows up within one business day. ATM deposits and branch deposits are instant or nearly instant. Transfers from another bank account take one to three business days. Direct deposit from your employer or government benefits can take one to two business days after you set it up.
Key Takeaways
- The Chase mobile app lets you deposit checks by taking photos of the front and back, and the money typically appears within one business day.
- Chase ATMs accept cash and check deposits 24/7, and deposits usually post to your account the same day or next business day.
- Transfers from another bank account to your Chase savings account take one to three business days and require your Chase account number and routing number.
- Direct deposit from your employer or government benefits requires you to provide your Chase account and routing number once, then deposits happen automatically on a set schedule.
- Depositing cash or checks at a Chase branch is instant, but you can only do it during branch hours.
Mobile check deposits through the Chase app
Open the Chase mobile app, tap the camera icon or "Mobile Check Deposit," and take clear photos of the front and back of your check. Make sure the entire check is visible, the image is in focus, and you can read all the numbers. The app will ask you to confirm the check amount before you submit it.
After you submit the photos, the app tells you whether the deposit was accepted or rejected. If accepted, the money usually appears in your account within one business day. If rejected, the app explains why — common reasons are glare on the check, missing information, or an illegible signature. You can try again or use a different deposit method.
Once a check deposit is accepted, sign the back of the physical check, write "For Mobile Deposit Only" on it, and keep it for at least 30 days in case Chase needs to verify it. Do not deposit the same check twice through different methods.
Cash and check deposits at Chase ATMs
Find a Chase ATM using the Chase app or the ATM locator on Chase.com. Insert your debit card, enter your PIN, and select "Deposit." For cash, the ATM counts the bills and confirms the amount on screen. For checks, insert them one at a time and confirm each amount. The ATM prints a receipt showing what you deposited.
Cash deposits post to your account the same day if you deposit before the ATM cutoff time, which varies by location but is usually in the evening. Check deposits typically post the next business day. If you deposit after hours or on a weekend, the transaction is timestamped when you make it, but the funds post on the next business day.
Chase ATMs have daily deposit limits that vary by account type and how long you've been a customer. If you hit the limit, you can deposit the rest the next day or use a branch deposit instead.
In-person deposits at a Chase branch
Walk into any Chase branch during business hours with your cash or checks and your debit card or account number. Tell the teller you want to deposit into your savings account. Hand over the cash or checks, and the teller counts or processes them while you wait. The deposit posts to your account immediately or within a few hours.
Branch deposits have no daily limit, so this is the fastest way to deposit large amounts of cash. You do not need an appointment. If the branch is busy, you may wait in line, but the actual deposit takes only a few minutes.
Transfers from another bank account
Log into your Chase account online or in the app and select "Transfer Money." Choose "From another bank" and enter the other bank's account number, routing number, and the amount you want to transfer. Chase will ask you to verify the transfer, usually by confirming a small deposit that the other bank makes to your Chase account within a few days.
Once verified, the transfer takes one to three business days. The exact timing depends on the other bank's processing speed and whether you initiated the transfer on a business day or weekend. Transfers initiated on Friday evening may not start processing until Monday.
Alternatively, you can contact the other bank and ask them to initiate a transfer to your Chase account. You will need to provide your Chase account number and routing number (1010 for most Chase accounts, though some branches use different numbers — check your statement or call Chase to confirm).
Direct deposit from your employer or benefits
Ask your employer's payroll department or your benefits administrator for a direct deposit form. Fill in your Chase account number and routing number, specify that you want the deposit to go to your savings account (not checking), and return the form. Direct deposit usually starts within one or two pay periods.
Once set up, your paycheck or benefits deposit automatically on the same day each pay period. You do not have to do anything after the initial setup. If you change banks or want to stop direct deposit to this account, contact your employer or benefits administrator and provide updated information or a cancellation request.
To find your Chase routing number, check a blank check, log into your Chase account online, or call Chase customer service. Your account number appears on your statements and in the app.
What to do if a deposit doesn't show up
If you deposited cash or a check and it has not appeared after the expected time, log into your Chase account and check the transaction history. Look for a pending deposit or a notification about a rejected deposit. If you see nothing, contact Chase customer service by phone, through the app, or at a branch with your receipt or confirmation number.
For mobile check deposits, the app shows the status of each deposit — accepted, pending, or rejected. If rejected, follow the reason given and try again or use a different method. If accepted but the money has not appeared after two business days, contact Chase with the confirmation number from the app.
For transfers from another bank, contact Chase if the transfer does not arrive after three business days. Have your confirmation number and the date you initiated the transfer ready. Chase can investigate with the other bank to find out where the money is.
Frequently Asked Questions
Can I deposit a check made out to someone else into my Chase savings account?
No. The check must be made out to you or to you and another person. If it is made out to someone else entirely, that person must deposit it into their own account. If it is made out to you and another person, both of you may need to sign it before Chase will accept it.
Is there a limit to how much I can deposit at once?
Mobile check deposits and ATM deposits have daily limits that vary by account and how long you have been a customer — typically $2,500 to $5,000 per day for checks and $1,000 to $3,000 per day for cash, though these can be higher. Branch deposits have no limit. Contact Chase to ask about your specific limits or to request a temporary increase.
How long does a direct deposit take to set up?
After you submit the direct deposit form to your employer or benefits administrator, it usually takes one or two pay periods for the first deposit to arrive. Some employers process it faster. Once the first deposit goes through, all future deposits happen automatically on schedule.
What is the routing number for Chase savings accounts?
The routing number is 1010 for most Chase accounts nationwide. Some older accounts or accounts opened at specific branches may use a different routing number. Check your statement, log into your account online, or call Chase to confirm the correct routing number for your account.
Can I deposit money into someone else's Chase savings account?
You can transfer money to someone else's Chase account if you have their account number and routing number, but you cannot use their debit card or mobile app to deposit on their behalf. The person whose account it is must make the deposit themselves, or you can transfer the money to them and they deposit it. Some employers allow you to split direct deposit between multiple accounts, which is another way to send money to someone else's account automatically.