You can add money to your Chase checking account using the Chase mobile app, your online account or an ATM. You can also visit a Chase bank or mail in a deposit. Knowing your options for making a Chase online deposit will help you avoid running out of money, bouncing checks or missing payments that can damage your credit.
Set Up Chase Online Banking
Chase welcomes consumers to select and open a bank account online. You can choose the checking or savings account that best suits your needs. Many customers select Total Chase Checking for its balance of costs and benefits, including ways to avoid the monthly service fee and overdraft fees.
When you open a Chase checking account, you can set up online access and perform various important tasks from your computer. In addition to making deposits, you can check your balance, transfer money between linked accounts, set up a direct deposit, make payments and freeze your account, if necessary. You can also order a debit card for your checking account and apply for a credit card.
Visit the Chase website at Chase.com and navigate to the page that lets you enroll in online banking. Follow the directions to enter account information, including your name, street address, account number, Social Security number, phone number linked to your account (when you opened the new account) and other personal identification.
You can learn how to deposit checks online at the Chase QuickDeposit webpage. Scroll down the page and click on "How to Use Chase QuickDeposit" for more detailed instructions.
Download the Chase Mobile App
Virtually all major banks provide apps for mobile devices. As a Chase customer, you can download the Chase mobile banking app and make electronic deposits.
Chase QuickDeposit makes check deposit easy for Chase checking customers: Make a mobile deposit to any of your deposit accounts by scanning the front and back of the check after endorsing it. Just follow these step-by-step directions and your checks will be deposited instantly.
Use an ATM
Using a Chase automated teller machine or one in Chase's network, you can deposit cash or checks into your account up to the permitted deposit limits. You'll need your account banking card and PIN to use Chase ATMs. This video provides step-by-step instructions for making a deposit using an ATM.
Visit a Chase Branch
You can drop into a Chase bank near you and make a deposit. You'll need a deposit slip and your account number. If you have your Chase card, a bank teller can get the information you need to help you fill out a deposit slip.
You'll list the amount of each check you are depositing on the slip and the total amount of the cash you're depositing. You can make withdrawals while depositing checks: Simply write the amount of money you want next to "less cash" on the slip. Your online statement will reflect your ATM activity by the next business day.
Mail a Deposit
You can mail in your deposit by following the directions available on your monthly checking account statement or the Chase website – or by calling the number on the back of your Chase card to speak with a customer service representative.
Prevent theft by placing a piece of paper around your money to prevent it from showing through the envelope. You'll need a deposit slip, which you should have received when you opened your account.
You can use a counter deposit slip if you have one, but you'll need to write your account number on it. Your account number is the second set of numbers at the bottom of your check, to the right of your bank routing number.
References
- Chase: Enroll in Online Banking
- Chase: QuickDeposit
- Chase: QuickDeposit User Guide
- Chase: ATM Basics
Tips
- 1. To take the old fashioned approach, visit a local Chase Bank branch. Though online banking has its perks, personal bankers still have something to offer. Tellers are available Monday-Saturday at most branches.
- 2. Automated teller machines, or ATMs, are designed to accommodate the busy lives of most online bankers. Checks and cash can be deposited at any hour at one of thousands of ATMs nationwide. Have your debit card ready and know your pin. The machine will guide you through the transaction.
Writer Bio
Steve Milano has written more than 1,000 pieces of personal finance and frugal living articles for dozens of websites, including Motley Fool, Zacks, Bankrate, Quickbooks, SmartyCents, Knew Money, Don't Waste Your Money and Credit Card Ideas, as well as his own websites.
Chase QuickDeposit offers a fast and easy way to deposit checks via the Chase mobile app, 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. ET on a business day, your funds should be available the next business day. Checks deposited after 11 p.m. ET or on a weekend or holiday are processed the next business day but not necessarily available.
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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.
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Step-by-Step Guide to Using Chase QuickDeposit
- Log in to the Chase mobile app with your username and password.
- Choose “Deposit Checks” from the navigation menu in the app.
- Select the account where you want to deposit the check.
- Enter the dollar amount of your deposit. Double-check the number you enter and pay attention to the placement of the decimal point.
- Tap “Front” and take a picture of the front of the check, then repeat the process to take a picture of the back of the check with your endorsement. Make sure you endorse the check correctly.
- Verify the information and submit the deposit.
- You should receive two emails from Chase after submitting the deposit. The first confirms receipt of the deposit, and the second lets you know when the deposit has been accepted.
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. It also offers a how-to video that shows you how to use the mobile check deposit feature.
What Happens to the Deposited Check?
Always keep the paper check until you see the available funds in your account, just in case something goes wrong. Chase notes that you can destroy it immediately after the funds have been posted to your account.
But before you do that, keep in mind that in some cases, you might want to check with your tax professional to see if there’s a reason to keep your checks. Shred or destroy the checks before throwing them in the trash.
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Benefits and Drawbacks of Chase Mobile Deposit
The popularity of online banking, direct deposit and peer-to-peer payment apps 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 mobile 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:
- For optimal performance when using the mobile check deposit feature, Chase notes that you’ll need to have a smartphone or tablet that has at least a 4-megapixel rear-facing camera with autofocus.
- 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.
Information is accurate as of Nov. 29, 2022.
This article has been updated with additional reporting since its original publication.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chase.
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By Barri Segal
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About the Author
Barri Segal
Barri Segal has 20+ years of experience in the publishing and advertising industries, writing and editing for all styles, genres, mediums, and audiences. She has been writing on personal finance topics for 12 years and gains great satisfaction from making a difference in consumers’ lives.