You can deposit a check into your Chase account using your phone or computer without visiting a branch

Chase's mobile check deposit feature lets you photograph the front and back of a check and submit it through the Chase Mobile app or online banking. The bank processes the image and credits the funds to your account, usually within one business day. You do not need to visit a branch, mail the check, or use an ATM.

The process takes about two minutes once you have the app or are logged into your online account. You will need the check itself, a phone or computer with a camera, and an active Chase checking or savings account.

Key Takeaways

  • Mobile check deposit works through the Chase Mobile app or Chase.com online banking, and both methods photograph the front and back of the check.
  • You must endorse the back of the check with your signature and write "For Mobile Deposit Only" beneath it before taking photos.
  • Chase typically credits the funds within one business day, though the exact timing depends on when you submit and the check amount.
  • Daily and monthly deposit limits exist — Chase currently caps mobile deposits at $2,500 per day and $5,000 per month, though these limits may vary by account type.
  • After the bank processes your deposit, you should destroy the physical check or write "Deposited" across it to prevent accidental double deposits.

How to deposit a check using the Chase Mobile app

Open the Chase Mobile app and log in with your username and password. Tap the menu icon (three horizontal lines) in the bottom right corner, then select "Deposit a Check." Choose the account where you want the funds to go.

Endorse the back of the check by signing your name and writing "For Mobile Deposit Only" directly below your signature. Take a clear photo of the front of the check, making sure all four corners are visible and the text is readable. Then photograph the back of the check the same way. Review both images to confirm they are clear before submitting.

Tap "Submit" to send the deposit. The app will confirm receipt and show you the deposit amount. You will receive a confirmation number — save or screenshot this for your records. The funds typically appear in your account within one business day.

How to deposit a check using Chase online banking

Log into your Chase account at Chase.com on a computer or mobile browser. Click on the account where you want to deposit the check. Look for "Deposit a Check" or a similar option in the account menu — the exact wording varies by account type.

Sign the back of the check and write "For Mobile Deposit Only" below your signature. Use your device's camera to photograph the front and back of the check, ensuring all corners are visible and the image is sharp. Upload both images through the browser.

Review the check amount shown on screen to confirm it matches the actual check. Click "Submit" to complete the deposit. You will see a confirmation message with a reference number. The funds should appear in your account within one business day.

Deposit limits and timing

Chase sets a daily limit of $2,500 per mobile deposit and a monthly limit of $5,000, though these amounts can vary depending on your account type and history with the bank. If you try to deposit more than the daily limit, the app will reject the submission. If you need to deposit a larger check, you can visit a Chase branch or ATM, or contact customer service to ask about raising your limits.

The bank processes mobile deposits during business hours, Monday through Friday. A check submitted on a Friday evening may not be credited until Monday. Checks submitted on weekends or holidays are processed the next business day. Once the funds appear in your account, they are available to use immediately, though the check itself continues to clear through the banking system for several more days.

What to do with the check after you deposit it

Do not throw away the physical check immediately after submitting the mobile deposit. Keep it for at least 24 hours to confirm the bank has processed it successfully. If something goes wrong — the image was too blurry, the amount was misread, or the deposit was rejected — you will still have the check to resubmit or deposit another way.

After 24 hours and once you see the funds in your account, you can destroy the check by shredding it or writing "Deposited" across the front and back in large letters. This prevents you from accidentally depositing it again or someone else depositing it. Never deposit the same check twice, even by accident — the bank will catch it, and you may face overdraft fees or account restrictions.

Reasons a mobile check deposit might fail

The most common reason a deposit is rejected is a blurry or incomplete image. If the corners of the check are cut off, the text is hard to read, or the lighting is poor, the app will ask you to retake the photos. Make sure you are in good lighting and hold the phone steady and parallel to the check.

A check may also be rejected if the amount is illegible, if the signature is missing, or if the check is post-dated (dated in the future). Some checks are also rejected because they are stale-dated — typically more than 180 days old. If your deposit fails, the app will tell you why. You can then fix the problem and resubmit, or take the check to a branch or ATM.

Frequently Asked Questions

How long does it take for a mobile check deposit to show up in my account?

Chase typically credits mobile deposits within one business day. If you submit on a Friday afternoon, the funds may not appear until Monday. Once the money shows in your account, you can use it right away, but the check continues to clear through the banking system for several more days.

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

No. The check must be made out to you or to you and another person whose name is also on the account. If the check is made out to someone else, that person must endorse it to you, and you will likely need to deposit it in person at a branch.

What if my mobile check deposit is rejected?

The app will show you a reason — usually a blurry image, missing signature, or illegible amount. Retake the photos in better lighting and resubmit. If the check itself has a problem (it is post-dated, stale, or damaged), you will need to contact the person who wrote it or deposit it at a branch.

Do I need to endorse the check before taking photos?

Yes. You must sign the back of the check and write "For Mobile Deposit Only" below your signature before photographing it. The bank needs to see your endorsement in the image to process the deposit.

Can I deposit a check if I do not have the Chase Mobile app?

Yes. You can deposit through Chase.com using a web browser on any device with a camera. Log in, find the deposit option in your account menu, and follow the same steps as the app — photograph both sides and submit.