Chase Bank’s mobile deposit is one of the most used features in the Chase app. Here are the exact limits and rules for 2026.
Chase Mobile Deposit Limits by Account Type
| Chase Account | Daily Limit | Monthly Limit |
|---|---|---|
| Total Checking (standard) | $2,500 | $25,000 |
| Premier Plus Checking | $5,000 | $25,000 |
| Sapphire Banking | $10,000 | $25,000 |
| Chase Private Client | Higher (custom) | Custom |
| New accounts (< 90 days) | $1,000–$2,500 | $5,000–$10,000 |
Limits may change based on your account history, balance, and relationship with Chase.
Chase Mobile Deposit: Key Details
| Feature | Details |
|---|---|
| Cutoff time | 11:00 PM ET |
| Same-day credit | Before 11 PM ET on a business day |
| Next-day processing | After 11 PM ET or weekends/holidays |
| Minimum deposit | $1.00 |
| Check types accepted | Personal, business, cashier’s, money orders |
How to Mobile Deposit a Check on Chase
- Open the Chase Mobile app
- Tap Deposit at the bottom of the screen
- Select your checking or savings account
- Enter the check amount
- Take a photo of the front of the check — align in the frame
- Take a photo of the back — sign and write “For Mobile Deposit Only”
- Review and submit
Chase Mobile Deposit Hold Times
| Check Type | First Available | Full Availability |
|---|---|---|
| First day of any deposit | $225 same day | Remainder per below |
| Chase checks (same bank) | $225 immediate | Next business day |
| Local bank checks | $225 immediate | 2 business days |
| Non-local bank checks | $225 immediate | 2–5 business days |
| Checks over $5,525 | $5,300 available first 2 days | Remaining held 5–7 days |
What If Chase Rejects Your Mobile Deposit?
Common reasons Chase mobile deposits fail:
- Image too blurry or dark
- Check is torn or damaged
- Missing endorsement signature
- “For Mobile Deposit Only” not written on back
- Deposit exceeds your daily or monthly limit
- Check has already been deposited elsewhere (duplicate)
Alternatives When You Exceed the Chase Mobile Deposit Limit
| Option | Hours | Limit |
|---|---|---|
| Chase branch teller | Business hours | No practical cap |
| Chase ATM with deposit | 24/7 | Usually same as mobile or higher |
| Call Chase | 24/7 (automated), 7 AM–11 PM ET (human) | Request temp increase |
Branch deposits of large checks may include longer holds (5–7 days) if the check is from an unknown institution, but at least $5,300 is available on days 1–2.
How to Increase Your Chase Mobile Deposit Limit
- Call Chase customer service at 1-800-935-9935
- Explain the reason for a larger deposit (e.g., selling a car, receiving settlement)
- Chase may grant a temporary one-time increase for documented reasons
- Upgrade to Premier Plus or Sapphire Banking for a permanently higher limit