How Fast Does Chase Deposit Checks?

Depositing a check might appear to be a simple transaction, but the timeframe for when funds become accessible can vary. Understanding typical availability schedules is helpful for effective financial management. Knowing when funds will clear allows account holders to plan spending and avoid potential issues. This knowledge is particularly useful for those who frequently receive payments via check.

General Availability Timelines

Chase generally makes funds from deposited checks available by the next business day. A “business day” typically refers to any day the bank is open for substantially all of its banking functions, excluding weekends and federal holidays. For example, a deposit made on a Monday would usually see funds available by Tuesday, assuming Monday is a business day.

Federal regulations, specifically Regulation CC, govern the availability of funds from deposited checks. These rules establish maximum permissible hold periods for deposits. Chase often makes a portion of a check deposit available sooner. For instance, at least the first $200 of a check deposit might be available immediately or by the next business day. As of July 2025, this minimum amount will increase to $275, with the remaining balance typically available on the next business day.

Specific Deposit Methods and Their Impact

The method used to deposit a check significantly influences when funds become available. Each deposit channel has specific daily cutoff times, and deposits made after these times are generally processed on the next business day. For instance, deposits made at a Chase ATM or through the Chase mobile app typically have a cutoff time of 11:00 PM Eastern Time. If a deposit is made after this cutoff, it will be treated as if it was made on the following business day.

Mobile deposits, facilitated through the Chase Mobile app, offer convenience by allowing checks to be scanned and submitted remotely. While funds are often available by the next business day for deposits made before the 11:00 PM ET cutoff, mobile deposits are subject to daily and monthly limits, which can vary based on account type and customer relationship. In-branch deposits made with a teller before the branch’s closing time are also typically processed for next-business-day availability.

Common Reasons for Extended Holds

While many checks clear quickly, certain situations can lead to an extended hold on deposited funds. Financial institutions may place longer holds as a protective measure against potential fraud or uncollectible funds. One common reason is the amount of the check; deposits exceeding a certain threshold, such as $5,000 or $6,725, may be subject to extended holds on the amount above this limit.

New accounts are also frequently subject to longer holds. Other scenarios that might trigger an extended hold include re-deposited checks, checks from accounts with a history of being repeatedly overdrawn, or checks where the bank has reasonable cause to doubt collectability, such as suspicious endorsements or apparent alterations. If an extended hold is placed, the bank is generally required to notify the customer, explaining the reason for the delay and providing the specific date when funds are expected to become available. During an extended hold, funds are not accessible for withdrawals or transactions until the specified hold period expires.