Chase bank is among the most successful financial institutions in America. It has various online services: withdrawal, deposits, auto loans, etc. Their online services reach more than half of America’s households.
Besides its online presence, chase bank has more than 5300 branches and 15500 ATMs countrywide.
Most American Chase bank users want to know how depositing checks through the Chase mobile app works. In this article, you’ll find a detailed procedure for doing so.
How Do I Deposit Check Through Chase Mobile App
With the mobile app, you can deposit checks anytime, anyplace. Here is the guide:
- Download the Chase mobile app.
- Log in to the mobile app – the app will need your username and password.
- Go to the app’s navigation menu and choose “deposit checks.”
- Tap on the account you want to deposit a check.
- Enter the amount to deposit.
- Tap on “front” to take the check’s front picture. Repeat the process and take a picture of the back part of the check plus the endorsement. Check endorsement should be correct.
- Please verify the information and then submit it.
- You will receive two emails from chase bank. The first email confirms the deposit receipt, and the second confirms the deposit acceptance.
Chase mobile deposit saves a lot of time. You don’t have to visit your local ATM or Chase branch for a successful deposit.
If your deposit has a problem, you’ll get a separate email explaining the issue. The email explains why the deposit process wasn’t successful. Your funds’ availability will delay if there’s a deposit issue.
How Long Does Chase Mobile App Deposit Take
Fund availability depends on the time of deposit submission. If you make the depot submission before 11 pm ET on a business day, your funds will be ready the next business day.
If you make the deposit submission after 11 pm ET, processing of your funds will happen the next business day. However, Chase bank will delay funds availability if they need to review your deposit.
You will get an update about the delay in your online account secure message center. Keep the paper check until the funds are available in your account, and then shred it.
The Chase Mobile App
With the app, you can scan and deposit checks into your account. You basically won’t always need to visit an ATM or bank branch. The app has other amazing features, which are:
- Pay bills
- Check bank balance
- Money transfer between accounts
- Withdraw cash
- Deposit checks
- Check your credit score
- Spending summary
- Zelle transfer between different accounts
To use the Chase mobile app, you must have chase savings/checking account with the online Bank or chase liquid card.
Pros And Cons Of Chase Mobile Deposit
Direct deposit, online banking, and person-to-person transfer services have reduced the check numbers people receive. Today, you can receive checks only a few times a year.
Therefore you don’t need to stop by an ATM or bank branch for deposits. Chase mobile app is an important tool – this section has some of the pros and cons of Chase mobile deposit.
Why You Should Use Chase Mobile Deposit
Mobile deposit and online banking services offer many of the same benefits. Here are some of the benefits of using Chase mobile deposit.
- Convenience – You can make deposits to your chase account from any place. You do not need to visit an ATM or bank branch.
- Accessibility – The Chase mobile app is available for your apple or android device. All you need is a stable internet connection.
- Secure – The check deposit data, passwords, and deposits do not remain on your mobile device.
Cons of Using Chase Mobile App
There are instances when the Chase mobile deposit might not be a good option for you. Here are some of the Chase bank mobile app cons you should know.
- You must safely keep checks paper copy until the deposit is accepted. Plus, you need to keep track of the check you have deposited.
- You must have a tablet or smartphone with at least a 4-megapixel rear camera for check deposit.
- You’ll pay for message and data rates – however, this depends on your data plan.
Chase Bank Daily Mobile Transfer Limit
Chase bank accounts do have a transfer limit of about $25,000 daily. Bank transfer limits for Chase sapphire and Chase Private Client are $100,000 daily.
However, your other banks’ accounts might have different transfer limits. Transfer from Chase bank to non-Chase banks typically takes approximately 1-2 business days.
The amazing part is that Chase Bank’s mobile app doesn’t charge any fees during transfers. Note that your other Bank might charge additional fees for money transfers to a Chase account. Therefore you need to check with them before doing the transfer.
Depositing Chase Checks Using Computer Scanner
With chase quick checks service, you can easily deposit checks to your account without visiting the Bank. You’ll only need a computer scanner to securely scan and deposit your paper checks.
However, the service has some limitations, and if you have a bank account, you can only scan up to 150 checks daily.
Chase commercial online accounts can scan up to 300 checks daily. Here is the process of depositing chase checks using the computer scanner.
- Insert the chase quick deposit scanner installation disk into your PC. Install the scanner’s software and drivers.
The installation is simple – follow the on-screen prompts. Don’t connect the computer to the scanner with a USB cord until instructed by the installation wizard.
- Log into your online chase business account.
- On the menu, click on “quick deposit” and then “deposit checks.”
- Click on “deposit to” the drop-down menu will appear, and then choose the account you want to deposit your check. Enter the correct check amount you want to deposit and click next.
- Endorse the check, then put it in your scanner only after prompts you. Wait for the scanning process to complete. If you want to scan additional checks, follow the procedure.
- Review the scanned check document and correct any mistakes. You’ll get the “error found” notification if there’s an error. It’s easy to make corrections – click on correct error/add details.
- Click on “submit a deposit,” – then print your deposit confirmation page.
How To Deposit At Chase ATM?
The process of check depositing on Chase bank is so simple. All you need to do is follow the necessary steps. First, you have to locate a Chase ATM.
Use the most nearby ATM since it’ll help you avoid delays and avoid fees accessing your money after deposits. If you are in a different neighborhood, you can still deposit checks using ATM.
Other than depositing cash and checks, ATMs allow you to make transfers and check balances. Plus, you can see your recent transaction history and make payments to your credit card. Here is how you can deposit your check through the ATM.
- Insert your card into the ATM and enter your PIN
- Select the deposit option
- Chose the account you want to deposit – it can be saved or a checking account.
- Key in the amount you want to deposit
- Confirm the amount is correct and tap on deposit.
You should note that you can deposit up to thirty checks at the ATM and make cash deposits. Amazingly the chase ATM services are available 24/7.
How Long Does Chase ATM Check Deposit Take To Clear?
As a chase customer, the funds will be available for withdrawal the next business day if you deposit using ATM or teller. However, it doesn’t mean the transaction was successful.
There are instances when the Bank returns the check some months after it made the funds available and you’ve already withdrawn them.
Setting Up Chase Online Banking
When opening your chase bank account, it’s possible to set up an online account. An online account will enable you to access your bank account and perform various functions from the comfort of your computer.
You can perform functions such as making deposits, checking your bank balance, transferring money, freezing your account, and paying bills.
To open an online banking account, visit the Chase bank website. From here, you can quickly enroll in the service.
You’ll need personal identification details such as name, street address, bank account, contact number, etc. Ensure you have all the information before you start the opening process.
Conclusion
The process of depositing a check through the Chase mobile app is super-fast, easy, and secure. A tablet or smartphone with at least a 4-megapixel rear camera is recommended to make a successful mobile deposit.
Besides mobile check deposits, you can also check balances, pay bills, and transfer money using the mobile app.
However, you must have a Chase checking account for quick deposit. If you don’t have one, don’t worry – the opening process is so straightforward. The mobile chase app check deposit is ideal for people who want to make deposits on the go.
