Making a deposit at Chase Bank is a fundamental banking task, and luckily, Chase offers several convenient ways to do it, catering to different preferences and situations. Whether you prefer the traditional in-person experience, the speed of an ATM, or the convenience of your mobile device, Chase has you covered.
Ready to boost your balance? Let's get started on how to make a deposit at Chase Bank!
This comprehensive guide will walk you through each method, step-by-step, ensuring a smooth and successful deposit every time.
Step 1: Choose Your Deposit Method
Before you even touch your cash or check, decide how you want to deposit it. Chase provides a variety of options, each with its own advantages. Consider what's most convenient for you at this moment.
Sub-heading: In-Branch Deposit (The Traditional Way)
This is the classic method, ideal if you prefer human interaction, have a large sum of cash, or need to deposit multiple checks and require a deposit slip.
Sub-heading: ATM Deposit (Quick and Convenient)
Chase ATMs are widely available and offer a fast way to deposit both cash and checks, often 24/7. This is great for busy schedules.
Sub-heading: Mobile Deposit (Banking from Anywhere)
For checks, mobile deposit via the Chase Mobile® app is incredibly convenient. You can deposit a check simply by taking a few pictures with your smartphone or tablet.
Step 2: Prepare Your Deposit
Once you've chosen your method, it's time to get your funds ready.
Sub-heading: For Cash Deposits
Count your cash carefully: Make sure you have the exact amount you intend to deposit. It's always a good idea to count it twice.
Organize bills: If you have a large amount, try to stack bills neatly and facing the same direction. This helps with ATM processing.
Sub-heading: For Check Deposits
Verify the check's validity: Ensure the check is dated correctly, has the payee's name (your name), the correct numerical and written amounts, and the drawer's (payer's) signature. Discrepancies can cause delays.
Endorse the check: This is crucial! Flip the check over and sign your name in the "endorse here" section.
For mobile deposits, you might also need to write "For mobile deposit only" below your signature, as per Chase's specific requirements.
Consider a deposit slip (for in-branch deposits): While not always strictly necessary, filling out a deposit slip beforehand can expedite your transaction at the branch. These are usually available at the bank or can be printed online.
How to Fill Out a Deposit Slip:
Date: Write the current date.
Name & Account Number: Fill in your name and your Chase account number.
Cash: Enter the total amount of cash you are depositing.
Checks: List each check individually, often by its routing number or check number, along with its amount. If you have many checks, you might use the back of the slip or additional slips.
Subtotal: Add up your cash and check amounts.
Less Cash Received (if applicable): If you want to withdraw some cash from your deposit, write that amount here.
Net Deposit: Subtract "Less Cash Received" from your subtotal. This is the final amount going into your account.
Signature: Sign the slip if you are getting cash back.
Step 3: Making the Deposit
Now, let's execute the deposit using your chosen method.
Sub-heading: Method 1: In-Branch Deposit
Locate a Chase Branch: Use the Chase mobile app or website to find the nearest branch. Check their operating hours.
Approach a Teller: Once inside, head to a teller window.
Present Your Items: Hand over your cash and/or checks along with your deposit slip (if you filled one out). You'll also need to provide your debit card or account number for verification.
Confirm Details: The teller will process your deposit and confirm the amount. Verify everything is correct before leaving the window.
Receive Your Receipt: You'll receive a receipt confirming your deposit. Keep this for your records.
Sub-heading: Method 2: ATM Deposit
Find a Chase ATM: Look for a Chase ATM that accepts deposits. Most modern Chase ATMs do.
Insert Your Debit Card: Insert your Chase debit card into the ATM.
Enter Your PIN: Carefully enter your Personal Identification Number (PIN).
Select "Deposit": On the ATM screen, choose the "Deposit" option.
Choose Account: Select the account you wish to deposit into (e.g., Checking, Savings).
Insert Cash/Checks:
For Cash: The ATM will prompt you to insert your cash directly into the designated slot. No envelope is usually needed for modern ATMs. The machine will count the bills.
For Checks: Insert your endorsed checks into the slot. Many ATMs can accept multiple checks at once (up to 30 for Chase).
Verify Amount: The ATM will display the amount it counted. Carefully review this amount to ensure accuracy. If there's a discrepancy, you might need to adjust it or contact Chase.
Confirm Deposit: Confirm the deposit on the screen.
Receive Your Receipt: Choose to print a receipt. This receipt will show the deposit details and often a picture of the checks deposited. Keep it safe!
Sub-heading: Method 3: Mobile Deposit (for Checks Only)
Download the Chase Mobile® App: If you haven't already, download the official Chase Mobile® app from your device's app store.
Log In: Open the app and log in securely using your Chase Online username and password.
Navigate to "Deposit Checks": Look for a "Deposit Checks" or similar option in the app's menu (often under "Pay & Transfer").
Select Account & Enter Amount: Choose the account you want the check deposited into and enter the exact amount of the check.
Photograph the Check:
The app will guide you to take clear photos of both the front and back of your endorsed check.
Place the check on a dark, well-lit, flat surface to ensure all four corners are visible and there are no shadows.
Hold your phone steady and directly over the check.
Review and Submit: Review the images and deposit details. If everything looks correct, tap "Submit" or "Deposit."
Confirmation: You'll receive an on-screen confirmation and often an email confirming your deposit is processing. Keep the physical check in a secure place for at least 14 days after the deposit clears, in case there are any issues.
Step 4: Verify Your Deposit
After making your deposit, it's wise to confirm it has been successfully credited to your account.
Check your account balance: Within a few minutes (for cash deposits at ATMs or in-branch) or by the next business day (for most mobile and check deposits), your funds should appear in your available balance.
Review transaction history: You can do this through the Chase Mobile® app, online banking, or by calling Chase customer service.
Understand Hold Times: Be aware that some deposits, especially larger checks or checks from new accounts, may be subject to a hold. Chase will typically notify you of any hold times on your receipt or within the app.
Frequently Asked Questions (FAQs)
How to find the nearest Chase ATM?
You can easily find the nearest Chase ATM or branch using the "Locations" or "Find Us" feature on the Chase Mobile® app or by visiting the Chase website's ATM & Branch locator.
How to endorse a check for mobile deposit?
Simply sign your name on the back of the check in the designated endorsement area. For Chase mobile deposits, it's recommended to also write "For mobile deposit only" below your signature.
How to deposit cash at a Chase ATM without an envelope?
Most modern Chase ATMs are "envelope-free." You simply insert your cash directly into the designated slot, and the machine will count it.
How to check my Chase deposit limits for mobile deposits?
Mobile deposit limits can vary based on your account history and relationship with Chase. You can usually find your specific mobile deposit limits within the Chase Mobile® app when initiating a mobile deposit or by checking the "Chase QuickDeposit" terms and conditions on the Chase website.
How to know if my deposited check has cleared?
You can check your account's available balance and transaction history through the Chase Mobile® app or online banking. Once the funds are reflected in your available balance, the check has generally cleared. However, remember that funds being available does not mean the check cannot be returned unpaid later.
How to get a deposit slip for Chase Bank?
You can usually find blank deposit slips at any Chase branch. If you prefer to prepare one beforehand, you might be able to print a generic one online and fill in your Chase account details, or use the pre-printed ones found in your checkbook.
How to deposit a third-party check at Chase?
Depositing a check made out to someone else (a third-party check) can be tricky and is often not allowed. Generally, the person the check is made out to must endorse it to you, but banks may still refuse such deposits due to fraud risk. It's best for the original payee to cash or deposit the check themselves.
How to deposit money into a Chase account for someone else?
You can deposit cash or a check into another person's Chase account at a branch, provided you have their full account number. You cannot typically deposit into someone else's account via ATM or mobile deposit unless you are an authorized signer on that account.
How to deal with a rejected mobile deposit at Chase?
If your mobile deposit is rejected, Chase will usually send you an email or notification explaining the reason (e.g., poor image quality, missing endorsement, exceeding limits). You'll then need to resolve the issue, which might involve re-depositing the check, depositing it at an ATM, or visiting a branch.
How to get a receipt for an ATM deposit if the machine runs out of paper?
If the ATM runs out of paper, some modern ATMs offer the option to have a receipt emailed or texted to you. If not, you should immediately check your account balance via the app or online banking to confirm the deposit, and if you have concerns, contact Chase customer service.