Chase’s mobile app makes it easy to deposit checks without visiting a branch or ATM. All you have to do is take a quick photo of the front and back of your check directly through the Mobile Deposit feature in the app. But how long does the deposit take to clear?
How fast is Chase’s mobile check deposit?
Chase’s mobile check deposit is not instant, but it’s relatively fast. If you mobile deposit a check before 11:00 p.m. (ET) on a business day, the funds are usually available the next business day. Deposits made after 11:00 p.m. (ET) or on weekends or holidays are processed the following business day.
In some situations, deposits may clear sooner at Chase’s discretion, but most follow this one-business-day timeline. Larger checks, new accounts or unusual transactions may face longer holds of up to a few business days.
Chase is the largest bank in the US with a robust mobile app, but its mobile check deposit speeds are not instant.
If you’re looking for a bank that can perform mobile check deposits within the same day, compare banks with instant mobile check deposit availability.
SoFi Checking and Savings
If you’re looking for a bank with instant mobile check deposit, consider SoFi®.
Up to 3.80% APY on savings by meeting deposit requirements or by paying the SoFi Plus subscription fee every 30 days
Get up to a $300 bonus with direct deposits of $5,000 or more
$0 account or overdraft fees
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.
Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Can an instant mobile check deposit be delayed?
Yes. Even if a bank typically clears mobile check deposits quickly, delays can happen.
Common reasons include being a new customer, depositing a check after the daily cutoff time, submitting a check type that isn’t accepted (like money orders or third-party checks) or depositing a large amount that exceeds daily limits. Funds may also be held if your account is overdrawn, if the bank needs to verify the check’s legitimacy or if there are technical issues with processing.
What types of checks does Chase accept for mobile deposit?
Chase accepts most standard US checks through mobile deposit, but there are some limitations. In general, you can deposit:
Personal checks (payable to you)
Business checks
Cashier’s checks
Government checks (such as tax refunds or other US Treasury checks)
However, Chase does not allow certain check types to be deposited through the app, including:
International checks
Traveler’s checks
Money orders
US savings bonds
Third-party checks (made out to someone else, then signed over to you)
So, if you’re depositing a typical personal or business check in US dollars from a US bank, you should be able to use Chase’s mobile deposit feature. For anything outside that, you’ll need to visit a branch.
Alternatives to instant mobile check deposit
If you find yourself needing faster access to your funds and your bank’s mobile deposit isn’t instant, here are some alternatives:
These options can be useful if you can’t wait for your bank’s standard deposit timeline, though they may come with extra costs.
Check-cashing services or retailers. Places like Walmart or dedicated check-cashing stores can give you cash right away, though they usually charge a (sometimes hefty) fee.
Deposit at a bank or ATM directly. Visiting a branch or using an ATM may speed up processing compared to mobile deposits, especially if you’re depositing during business hours.
Mobile check deposit apps. Services like Ingo Money App or banks partnered with it (such as GO2bank) let you cash checks from your phone for a fee, often making the money available within minutes.
These options can be useful if you can’t wait for your bank’s standard deposit timeline, though they may come with extra costs.
Bottom line
Chase’s mobile check deposit is not instant, but most funds are available by the next business day if deposited before the daily cutoff. While that’s fairly quick, it’s not the same as same-day or instant access.
If you need money right away, alternatives like check-cashing services, in-person deposits or a mobile check-cashing app may be better options, though they often come with fees.
See how mobile check deposit works at other banks
Frequently asked questions
Specific limits vary based on account type and history and can change at any time, according to Chase. The standard limit starts at $2,000 per day and $5,000 per 30-day period, but the Chase QuickDeposit agreement mentions that mobile deposits may be subject to a limit of $25,000.
Yes, mobile check deposit is generally safe, using bank-level encryption and security measures to protect your information.
Typically, you must sign the back, write “For Mobile Deposit to [bank]” and possibly include your account number. It varies by bank how you are to endorse the check, but the exact endorsement requirements should be listed on the mobile deposit screen when you deposit your check.
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Summer Nevins is a freelance personal finance writer for Finder. After almost a decade of working in banking and financial services, she quickly realized her true passion is to educate consumers about the complicated facets of all things money. Summer has channeled her passion for personal finance education into writing and since 2020 has written for various clients and publications. She’s recently been working with Influencers like Erika Kullberg and continues to contribute to other finance publications. She holds a BS in Management and Finance and an MBA specializing in Data Analytics from Western Kentucky University. See full bio
