You're standing in your kitchen, check in hand, ready to zap it into your account. Then it happens. You see that "Exceeds Limit" message. It's frustrating. Honestly, your mobile deposit chase limit isn't just one number written in stone in some vault in Manhattan. It's more of a moving target. Most people assume every Chase customer has the same $2,000 or $5,000 cap, but the reality is much more nuanced and, frankly, a bit more personalized than the bank's marketing materials might suggest.
Chase QuickDeposit is a lifesaver, but it has boundaries. Those boundaries are there for one main reason: risk. Banks hate risk. When you snap a photo of a check, Chase is essentially giving you credit for money they haven't actually collected from the other bank yet. Because of that, they keep you on a leash. How long that leash is depends on who you are to them.
What's the standard mobile deposit chase limit for most people?
If you just opened a total checking account, don't expect the world. New customers usually start with a mobile deposit chase limit of around $2,000 per day and maybe $5,000 over a rolling 30-day period. It’s a trial run. They want to see if your checks bounce before they trust you with the big stuff.
But wait.
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If you've been with the bank for a decade and keep a healthy balance, those numbers can skyrocket. I’ve seen long-term customers with limits of $10,000 or even $25,000 a day. There isn't a "one size fits all" chart on their website because the algorithm is looking at your specific history. It looks at your average daily balance, how often you have overdrafts, and how long your account has been active. If you’re a Chase Private Client, your limits are in a completely different league compared to someone with a basic High School Checking account.
Why your app says something different than your friend's app
Ever notice your spouse has a higher limit than you? It feels personal. It kind of is. Chase uses a proprietary risk scoring system. If you frequently deposit checks that get returned for non-sufficient funds (NSF), the bank is going to slash your mobile deposit chase limit faster than you can say "overdraft fee." They might even take away your mobile deposit privileges entirely if you're too much of a headache for their fraud department.
On the flip side, business accounts are a different beast. Small business owners often need to move way more cash than a college student. A Chase Business Complete Banking account typically starts with much higher thresholds, often beginning at $5,000 per day, but again, this scales with the "health" of the business. If you're running a high-volume retail shop, you can call them up and ask for a limit increase, which is something many people don't realize is even an option.
The 30-Day Rolling Window Mystery
This is where people get tripped up. It’s not just about what you can deposit today. It’s about the "rolling 30-day limit."
Let’s say your monthly limit is $10,000. You deposit a $9,000 check on the 1st of the month. You’re fine for that day. But for the next 29 days, you only have $1,000 of "room" left in your mobile deposit capacity. People often think the limit resets on the 1st of every calendar month. It doesn't. It's a continuous look-back. If you hit your limit on the 15th, you have to wait until those specific deposits "fall off" the 30-day window before that capacity opens back up. It’s math that catches a lot of folks off guard when they have a busy month of freelance work or a series of gift checks.
How to find your specific limit right now
Don't guess. You can see your exact mobile deposit chase limit inside the app, but they hide it until the last second.
- Open the Chase Mobile app.
- Tap "Deposit Checks."
- Select the account you want to put the money in.
- Look at the "Amount" field.
- Right under that box, in small grey text, it will say "Remaining limit" or "Daily limit."
That is the most accurate information you will get. It updates in real-time. If you just deposited $500, that "Remaining limit" will reflect it instantly. It's way more reliable than calling a branch, because the branch teller is often looking at the same data you see on your phone.
Can you actually increase your limit?
Sort of. You can't just toggle a switch in the settings. To get a higher mobile deposit chase limit, you usually have to demonstrate "good behavior" over several months. This means:
- Keeping a positive balance (no "accidental" $500 overages).
- Not having checks you deposit bounce.
- Having regular direct deposits from a reputable employer.
If you have a legitimate business need—like you’re a contractor and just got a $15,000 check—you can try calling the Chase customer service line. Ask for the "Loss Prevention" or "Mobile Deposit" department. Sometimes, for a one-time high-value check, they’ll tell you to just go to a branch. Other times, they might temporarily bump your limit if your account history is spotless. But honestly? Usually, they'll just tell you to use the ATM or visit a teller.
The ATM vs. Mobile Deposit Loophole
If you’re staring at a check that’s $500 over your mobile deposit chase limit, don’t panic. The limit for mobile deposits is separate from the limit at a Chase ATM.
Most Chase ATMs allow for much larger check deposits—sometimes up to $30,000 or more depending on the machine and your account type. If the app says no, the machine down the street will probably say yes. It’s a bit of a localized "risk" thing; since you have to physically be at a machine with the paper check, the bank views it as slightly less risky than a digital photo sent from a couch in another state.
Security and "Held" Funds
Even if your check is under the mobile deposit chase limit, don't expect to spend all that cash five minutes later. Chase often places a "hold" on funds.
Typically, the first $225 is available the next business day. The rest might take 1–2 business days to clear. If the check is particularly large or from an out-of-state bank they don't recognize, they might hold it for up to seven business days. This is the part that kills people’s cash flow. They see the deposit "succeed" in the app, but the "Available Balance" doesn't budge. Always check your "Account Details" to see how much of that deposit is actually ready to be spent.
Real-world scenario: The Freelancer's Trap
Imagine you're a graphic designer. You get a $3,500 check. Your daily mobile deposit chase limit is $2,500. You try to deposit it, and the app rejects it. You decide to try and deposit $2,500 of it. Don't do this. You cannot partially deposit a check via mobile. The amount you type into the app must match the amount written on the check. If you try to fudge the numbers, the system will flag it as a discrepancy, and you might get your mobile deposit privileges suspended for "fraudulent activity" even though you were just trying to get paid.
In this case, your only real options are the ATM or the teller window.
Is it worth using other apps?
Some people try to bypass their mobile deposit chase limit by using apps like PayPal or Venmo to "cash" the check and then transfer the money to Chase. Be careful. Those apps have their own limits and often charge a percentage fee (usually 1% to 5%) if you want the money instantly. Chase is free. If you can wait the day or two for the bank to process it, it’s always better to keep it in-house.
What if the app isn't working?
Sometimes it’s not the limit. It’s the photo. If you’re under your mobile deposit chase limit but it still won’t go through, check your lighting. Use a dark background. Make sure the "Endorse Here" section on the back actually says "For Electronic Deposit at Chase Only" or has the box checked. Chase has become incredibly strict about the endorsement. If those words aren't there, their automated system will spit it back out, and it has nothing to do with your dollar limit.
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Actionable Steps for Managing Your Deposits
Stop guessing about your limits and start managing your banking like a pro. If you find yourself hitting the ceiling too often, here is exactly what you should do:
- Check your app every Monday. Your rolling 30-day limit changes as old deposits "age out." Knowing your number at the start of the week prevents surprises at the checkout counter.
- Endorse correctly the first time. Write "For Electronic Deposit at Chase Only" followed by your signature. This avoids "rejected" deposits that tie up your limit without actually putting money in your account.
- Use the ATM for "Edge Cases." If a check is within $500 of your limit, just go to the ATM. It’s safer and prevents the app from flagging your account for "frequent limit-testing."
- Consolidate your banking. The higher your total "Relationship Balance" (savings + checking + investments), the more likely Chase is to automatically increase your limits over time.
- Keep the paper check. Once you deposit via the app, write "VOID" and the date on the front, but keep it for at least two weeks. If there's a dispute about the mobile deposit chase limit or the check bounces, you'll need that physical paper to sort it out at a branch.
Managing these limits is basically a game of proving you're a low-risk customer. Once you master that, the bank opens up the taps.