What Time Does Chase Deposit Money?

Understanding when deposited funds become available in your Chase account is important for managing personal finances. Knowing these timeframes helps account holders anticipate when money can be accessed for spending, bill payments, or transfers. Familiarizing oneself with Chase’s deposit policies can prevent unexpected challenges.

General Processing Times and Availability

Financial institutions operate on specific schedules that dictate when deposits are processed and funds become accessible. A “business day” at Chase is Monday through Friday, excluding weekends and federal holidays. Deposits made on non-business days are treated as if received on the next business day.

Chase employs “cut-off times” for various deposit methods. Deposits made after the cut-off time are processed on the next business day, delaying fund availability. Many digital deposits, including those via ATM or the Chase mobile app, have a cut-off time around 11:00 PM Eastern Time. It is important to distinguish between a deposit “posting” to an account (appearing on transaction history) and funds becoming “available” for use. Funds may show as pending but not be immediately accessible until they clear.

Direct Deposit Timing

Direct deposits, such as paychecks, government benefits like Social Security, and tax refunds, are typically processed efficiently. For most Chase accounts, these funds are generally available on the scheduled payment date. This often occurs early in the morning, with funds frequently appearing in accounts between 3:00 AM and 5:00 AM Eastern Time on the day they are scheduled to post.

The precise timing can depend on when the sender’s bank initiates the Automated Clearing House (ACH) transaction. While the funds are usually available on the effective date, factors such as federal holidays or weekends can cause slight delays, as banks do not process ACH transactions on these non-business days. Chase Secure Banking customers may experience earlier access to their direct deposits. This program allows eligible direct deposits, including payroll, government benefits, and tax refunds, to be credited up to two business days early, providing more flexibility for managing finances.

Check Deposit Availability

Funds from checks deposited into a Chase account are subject to specific availability schedules, often governed by federal regulations like Regulation CC. Chase generally makes funds from deposited checks available by the next business day. For example, a check deposited on a Monday would typically be available by Tuesday, assuming both are business days.

A portion of the deposited check, at least the first $200, is usually available by the next business day, with this minimum increasing to $275 in July 2025. The remaining balance typically becomes available on the second business day. However, holds can be placed on checks for various reasons, extending the availability timeframe. Common reasons for extended holds include large check amounts, new accounts (less than 30 days old), a history of returned checks, or suspicion regarding the check’s authenticity.

Electronic Fund Transfers

Beyond direct deposits and checks, other electronic fund transfers have varying availability times at Chase. Automated Clearing House (ACH) transfers, used for transfers between different banks or bill payments, generally take one to three business days to process. Some ACH transfers may be available on the same day if submitted before specific cut-off times, typically in the morning or early afternoon.

Wire transfers are generally fast, especially for domestic transactions. A domestic wire transfer sent from Chase is often delivered within the same business day if initiated before the bank’s cut-off time, generally 4:00 PM ET. Incoming wire transfers might take up to 24 hours to reflect in an account after Chase receives them. International wire transfers can take longer, typically ranging from two to five business days depending on the recipient’s country and bank. Person-to-person (P2P) payment services like Zelle, offered through Chase, are designed for near-instant transfers. Funds are usually available to the recipient within minutes if their email address or U.S. mobile number is enrolled, though some Zelle transactions could take up to three business days to complete.