Chase Mobile Deposit Limit: How It Works and How To Increase It
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Nupur Gambhir, CFHC™
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Chase’s mobile deposit limit for personal accounts is $2,000 per day and $5,000 per month — but your limit can vary depending on your account type, how long you’ve been a customer, and your banking history. Premium accounts like Chase Private Client and J.P. Morgan Private Bank come with significantly higher limits, and business account limits are determined on a case-by-case basis.
If your current limit isn’t working for you, you can request an increase through the Chase app, by phone, or by visiting a branch in person. Here’s everything you need to know about how Chase mobile deposit limits work and how to get yours raised.
What Is the Chase Mobile Deposit Limit?
Chase mobile deposit limits vary depending on your account type and banking history. Personal accounts start with a $2,000 daily limit and a $5,000 monthly limit, while premium accounts like Chase Private Client and J.P. Morgan Private Bank come with significantly higher thresholds.
You can deposit personal, business, and government checks through mobile deposit. If a check exceeds your limit, you can always deposit it in person at a branch or ATM instead.
Here’s a full breakdown of Chase’s mobile deposit limits by account type:
| Account Type | Daily Limit | Monthly Limit | Annual Limit |
|---|---|---|---|
| Personal Account | $2,000 | $5,000 | No limit |
| Chase Private Client | $25,000 | $100,000 | No limit |
| J.P. Morgan Private Bank | $100,000 | $500,000 | No limit |
| Taxable Investment Accounts | No limit | $100,000 | No limit |
| IRAs | No limit | No limit | $6,000 or $7,000 |
Chase Business Account Mobile Deposit Limit
Chase doesn’t publicly disclose specific mobile deposit limits for business accounts — your limit depends on factors like your account type, how long you’ve been a customer, and your banking history.
To find your current limit:
- Log in to your Chase account
- Select “Deposit Checks”
- Choose “Select Your Business Account”
- Tap “Learn More” to view your specific limit
Need a higher limit? Business accounts generally come with higher deposit limits than personal accounts, and your limit may increase over time with a positive banking history. To request a specific increase, you’ll need to speak directly with a Chase banker.
How To Increase Your Chase Mobile Deposit Limit
The process of increasing your Chase mobile deposit limit generally involves the bank determining whether you fulfill certain requirements. Those requirements can include the following:
- Type of account. Business and premium accounts may have higher limits.
- Banking history. Long-time customers may be more likely to receive an increase in their mobile deposit limit.
- Deposit amounts. High-value and frequent deposits will be helpful in requesting a limit increase.
- Relationship with Chase. Customers who have multiple accounts — loans, checking, savings, credit card — are in a better position to receive a higher mobile deposit limit.
Steps To Request a Limit Increase Through the App or Customer Service
There are three ways to request a higher mobile deposit limit:
- In person: Visit your nearest Chase branch and speak with a banker directly. Bring any information that might support your request, such as your account history or business documentation.
- By phone: Call Chase customer service at 1-800-935-9935 to request a mobile deposit limit review. A representative will walk you through your options.
- Through the app: Log in to your Chase account, select “Deposit Checks,” and tap “Learn More” to review your current limit. Depending on your account status, you may be presented with an option to request an increase directly from there.
Factors That May Influence Your Eligibility for a Higher Limit
Chase considers several factors when determining whether to approve a limit increase:
- Account age: Newer accounts typically start with lower limits. The longer you’ve been a customer in good standing, the better your chances of qualifying for a higher limit.
- Deposit history: Regular large deposits work in your favor. A consistent pattern of high-volume deposits signals to Chase that a higher limit is warranted.
- Overall banking relationship: Holding multiple Chase accounts — such as a checking account, savings account, or credit card — can strengthen your case for a limit increase.
Chase Mobile Deposit Funds Availability
When your funds become available depends on when you make the deposit and the type of check being deposited. Certain check types — like government checks and cashier’s checks — may clear faster than a standard personal check.
| When You Deposit | When Funds Are Available |
|---|---|
| Before 11 p.m. ET on a business day | Next business day |
| After 11 p.m. ET on a business day | Following business day |
| Weekends or holidays | Next business day after the holiday or weekend |
How To Check the Status of a Deposit
- Log in to the Chase Mobile app or Chase online banking
- Select the account where you made the deposit
- Find the deposit in your transaction history to view its current status
How To Deposit Checks Using Chase Mobile Deposit
It is easy to deposit checks using the mobile deposit feature. Follow this step-by-step guide.
- Step 1. Log in to the Chase Mobile app with your username and password.
- Step 2. Tap “Deposit Checks” from the navigation menu in the app.
- Step 3. Select the account where you want to deposit the check.
- Step 4. Enter the dollar amount of your deposit. Double-check the number you enter and pay attention to the placement of the decimal point.
- Step 5. 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.
- Step 6. Verify the information and submit the deposit.
- Step 7. 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.
Is Chase Mobile Deposit Worth Using?
If you already do your banking online, Chase mobile deposit is a natural next step — and chances are you already have the app on your phone. It lets you deposit checks anytime, from anywhere, without making a trip to a branch or ATM.
For most personal accounts, the standard limits are $2,000 per day and $5,000 per month, with funds typically available the next business day. To keep things running smoothly, make sure you’re taking a clear photo of the check and endorsing it correctly before you submit — it’s a small step that prevents most common deposit issues.
FAQs
Here are some quick answers to common questions about Chase mobile deposit limits.- What is the Chase mobile deposit limit for personal accounts?
- The limit for Chase mobile deposits is $2,000 per day and $5,000 over a 30-day period.
- How do I increase my Chase mobile deposit limit?
- You would need to contact a customer service representative over the phone or visit a branch to request a mobile deposit limit increase. Eligibility for higher limits depends on customer history, account type and relationship with the bank.
- What is the Chase business account mobile deposit limit?
- Business mobile deposit limits vary. You can log in to view your specific limit by signing in to the Chase Mobile app, selecting "Deposit Checks," choosing your account, and then selecting "Learn More."
- When will my Chase mobile deposit be available?
- Typically, a Chase mobile deposit is available on the next business day. However, in certain cases, it depends on the amount and account standing.
- Can I deposit large checks using Chase mobile deposit?
- If checks exceed the mobile deposit limit, you will need to visit a branch. You can, however, ask for a higher mobile deposit limit by calling a customer service representative or visiting a branch in person.
More About Chase
Barri Segal contributed to the reporting for this article.
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.
