Depositing a check through the Chase mobile app is quick and convenient. With Chase QuickDeposit, you can deposit a check directly from your phone without visiting a branch. In most cases, the entire process takes just a couple of minutes.
How to Deposit a Check on the Chase App
From the Chase app’s main screen, look at the top toolbar. You will see several quick-action buttons, including Deposit Checks. Tap Deposit Checks to get started.
If this is your first mobile deposit, Chase will guide you through a one-time setup. You will see a screen called Start Deposit Checks with QuickDeposit. Review the Chase QuickDeposit and J.P. Morgan QuickDeposit Agreement for Mobile, check the box confirming that you agree, and tap Deposit a Check.
A confirmation popup will appear saying that you’re all set. Tap Deposit Now to continue.
How to Deposit a Check: Choose Your Account
You will now be on the QuickDeposit screen. At the top, you’ll see two tabs: Deposit Checks and Activity. The Activity section keeps a record of your previous mobile deposits, which can be useful if you ever need to check the status of a deposit.
Before continuing, make sure the check is payable directly to you. Chase may not accept a check that was originally written to someone else and then signed over to you. In that situation, you may need to take the check to a Chase branch instead.
Under Deposit To, select the Chase account where you want the money deposited. If you only have one eligible account, Chase will typically select it automatically. If you have multiple accounts, tap the account field and choose the correct one.
Next, tap the Deposit Amount field and enter the exact amount written on the check.
Chase will also display your current mobile deposit limit. This limit varies by customer and can change based on your account history. If the check exceeds your mobile deposit limit, you’ll need to deposit it at a branch.
How to Take Photos of the Check
The next step is photographing the check. You will see two boxes labeled Front and Back.
Tap Front and position the check inside the camera frame. Chase can automatically capture the image once all four corners of the check are visible. Hold your phone steady until the photo is taken.
Before photographing the back of the check, you must endorse it.
Endorse the Back of the Check
Turn the check over and sign your name in the endorsement area. Your signature should match the name written on the front of the check.
You may also write “For mobile deposit only at Chase” underneath your signature. While this may not be required in every situation, it can provide additional protection if the physical check is lost or stolen.
Do not photograph the back of the check before signing it. An improperly endorsed check may be rejected, requiring you to start the deposit process again.
After signing, photograph the back of the check and make sure all four corners are visible.
Review Your Mobile Deposit
Once both photos have been captured, Chase will take you to a review screen asking whether everything looks correct.
Check the following:
- The deposit amount is correct.
- The front and back photos are clear.
- All four corners of the check are visible.
- The correct Chase account is selected.
If either photo is blurry or incomplete, use the back arrow to retake it before submitting the deposit.
Chase will also show information about when the money should become available. In many cases, the full amount is available by the next business day, although some deposits may take up to seven business days if additional review is required.
When Will the Check Deposit Be Available?
Mobile deposits made by 11:00 p.m. Eastern Time on a business day generally count toward that business day. Deposits made after 11:00 p.m., on weekends, or on holidays are generally processed on the next business day.
Chase may place a hold on certain deposits. This can happen for various reasons, including larger deposits, newer accounts, or checks that require additional verification.
When you’re satisfied that everything is correct, tap the blue Deposit button.
You’ll then see a green check mark and a confirmation screen stating that Chase received your deposit. The confirmation shows details such as the deposit amount, the account receiving the funds, the time of the deposit, the amount currently available, and when the remaining funds are expected to become available.
What to Do With the Paper Check
After completing your mobile deposit, don’t immediately throw away the physical check.
Chase recommends keeping the check for at least five business days after making the deposit. Once you’re certain the money has been successfully deposited and is fully available, write VOID across the front of the check and securely shred it.
Keeping the original check for those few days gives you a physical record of the deposit in case something goes wrong.
How to Deposit a Check: Final Steps
That’s it. You’ve completed your mobile check deposit through the Chase app.
From the confirmation screen, you can choose Deposit Another Check if you have another check to deposit, or tap Close to return to the Chase app’s main screen.
Learning how to deposit a check through the Chase app can save you a trip to the bank and only takes a few simple steps: select your account, enter the amount, photograph both sides of the endorsed check, review the details, and submit the deposit.
