Most people don’t know this but paper checks are still used far and wide. Although there are far easier ways to get paid nowadays, paper checks aren’t going anywhere anytime soon.
For that reason, today we’re showing you how to deposit checks using the Chase banking app. Keep reading to see just how straightforward of a process it is.
How to Deposit Checks on Chase App
To deposit paper checks using the Chase app, simply:
- Sign in to the Chase Mobile app
- Select “Deposit Checks” from the menu
- Select the deposit account
- Type in the check amount
- Take a photo of the front of the check
- Take a photo of the back of the check
- Submit the check deposit
Always verify all the information before you submit the check deposit. After submitting, you can view the receipt or straight away deposit another check.
Once your deposit is received you will get an email notification. Another email will be sent after the check is accepted.
In the case that Chase rejects the deposit, you’ll get an email with an explanation. You have to keep in mind that you need to properly endorse the back of the check with your signature and by writing “For electronic deposit only at Chase”.
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What’s the Check Deposit Cut-Off Time?
If you deposit a check before 11 PM EST, it should get processed the same business day. You can then withdraw your funds on the next business day after the day of deposit.
If you deposit the check after 11 PM EST, you will instantly see the transaction in your account, however, the check will get processed the next business day.
There may also be delays in availability if there is a further review of the deposit. You can see any such information about the delayed deposit in the Secure Message Center, accessible from the main navigation menu.
How Long Should I Keep the original check?
As soon as you finish your check deposit transaction, write “deposited” and the date of deposit on the front of the check.
Keep the original paper check for two business days or even better, until you receive a notification that your deposit has been done. After that, you can destroy the check.
Where Can I See Previously Deposited Checks?
You can see snapshots of all the checks you’ve written for up to three years when you log in to your bank account on chase.com.
Choose the check icon next to the check number to:
- See and print a copy of the check
- Zoom in to see check details
- Save the image as a PDF
How to Direct Deposit Your Checks
Apart from depositing single checks in the Chase Mobile app, you can also set up direct deposits for recurring checks.
To get a pre-filled direct deposit form:
- Sign in to chase.com or open the Chase app
- Choose a checking account where to receive your direct deposit
- By scrolling up in the mobile app or in the drop down menu on chase.com, go to ‘Account Services’
- Tap on ‘Set up direct deposit form’
- Download, print, or email the pre-filled direct deposit form
- Send or give it to your employer
If you prefer, you can complete the direct deposit form yourself:
- Download the PDF form
- Find your Chase routing and account number
- Fill in your personal information
- Give the finished form to your employer
To find your routing and account number, log in to the Chase app and choose your account, then select “’Show details” where you can see your account and routing numbers.
Can Businesses Deposit Checks With Chase App?
Remote check deposits aren’t reserved only for personal Chase users.
Chase QuickDeposit is in fact a secure service that allows you to scan paper checks from your home or office desktop and electronically deposit them.
To use Chase QuickDeposit, you need:
- Chase QuickDeposit scanner
- Internet connection
- an eligible Chase business checking account
Put your checks in the scanner to read and transmit them to Chase. This will automatically deposit the funds on the check into your Chase business checking account.
With a single feed check scanner, you can deposit up to ten checks per deposit for a monthly fee of $25. You’ll also need to sign a contract. The scanner is free if you sign a two-year deal.
With a multiple feed check scanner, you can scan up to 150 checks in a single deposit and can make as many deposits a day as you like. The scanner automatically reads both sides of the check. The fee for this option is $50 per month.
As you can see, depositing paper checks using the Chase mobile app is very easy and can be done in a couple of minutes.