How Long For Check Deposit Online With App To Go Through

Chase Mobile Deposit: Limits, Fees, and How Long It Takes

Chase QuickDeposit, the mobile deposit app offered by Chase Bank, makes depositing checks fast and easy, saving you from having to go to a bank branch or ATM. If you're new to Chase, you might have questions about how the app works. Here's a closer look at its features and benefits.

How Long Does Chase Mobile Deposit Take?

If you deposit the check before 11 p.m. EST on a business day, your funds should be available the next business day. Checks deposited after 11 p.m. EST or on a weekend or holiday are processed the next business day but not necessarily available.

In some cases, Chase delays access to deposited funds. The funds won't be available until after the bank reviews the deposit.

How Does Chase Mobile Deposit Work?

Chase QuickDeposit lets you deposit checks through the mobile app. To use the service, you must first download the app to your smartphone or tablet. You also need to register your Chase online account. Once that's done, follow these steps to deposit a check using Chase QuickDeposit.

ChaseQuickDeposit

If there is a problem with the deposit, you will receive a separate email that explains what the problem was or why the deposit was rejected. The availability of your funds might be delayed if there's a problem with the deposit.

Chase offers support through its website. There is also a how-to video in the app that shows you how to use mobile check deposit.

Benefits and Drawbacks of Chase Mobile Deposit

The popularity of online banking, direct deposit and person-to-person transfer services has reduced the number of checks that people receive. You may receive checks only a few times a year, if at all. In that case, stopping by a bank branch or ATM to deposit them might not be a big deal.

It helps to weigh the pros and cons of Chase mobile deposit if you're still not sure you want to use it. Here's a quick look:

Pros

If you've been using online banking services, you'll find that mobile deposit offers many of the same benefits. Here are some of the pros of using mobile deposit:

Convenience: You can deposit a check wherever you are without having to visit a branch or ATM.
Security: Passwords, check deposit data and images are not stored on the device.
Accessibility: The Chase QuickDeposit app is available for download on Apple and Android devices.

Cons

In some cases, mobile deposit might not be a good option for you. Here are a few cons to consider:

You must have a smartphone or tablet with at least a 4-megapixel rear-facing camera to use mobile check deposit.
You need to keep paper copies of checks until the deposits are accepted and must keep track of which checks you've deposited.
Messaging and data rates may apply, depending on the terms of your phone's data plan.

Should You Use Chase Mobile Check Deposit?

If you already use online banking, then mobile check deposit should be a snap. In fact, you probably already have Chase's app available. Unless you prefer doing business at a local Chase branch or ATM, you should consider using Chase mobile deposit because of the convenience of depositing a check at any time or location.

The downside is that you need internet access and a plan for keeping track of which checks you've deposited. Unlike when you deposit at a bank or ATM, you'll still have the paper check in your hand after the mobile deposit is made.

This article has been updated with additional reporting since its original publication.

Information is accurate as of Nov. 17, 2021.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

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