Chase Deposit Limits (Mobile, ATM, Teller & Daily Limits Explained)

Updated regularly • Verified banking data • Covers mobile, ATM, teller, and daily deposit limits

Quick Answer

Chase deposit limits depend on how you’re depositing and what type of account you have. Mobile deposits are the most restricted — personal accounts start at $2,000 per day and $5,000 over a rolling 30-day period, though your actual limit may be higher depending on your account history and relationship with Chase. ATM and teller deposits have no meaningful dollar cap, though teller deposits over $10,000 trigger a federal reporting requirement.

Three things that confuse most Chase customers about deposit limits — and are worth understanding before you run into a problem:

• Your mobile deposit limit is personalized and invisible. Chase doesn’t publish your specific limit anywhere obvious. Two customers with the same account type can have different limits. The only way to see yours is to start a mobile deposit in the app.
• A hold is not a rejection. If Chase places a hold on a deposit, the deposit went through — you just can’t access the funds immediately. This is different from hitting your deposit limit, which prevents the deposit from being submitted at all.
• Depositing over $10,000 is perfectly legal. The federal reporting requirement for deposits above that amount is a compliance rule, not a restriction. Chase will process the deposit — they just file a Currency Transaction Report with the government. You don’t need to do anything differently.

Chase Mobile Deposit Limits

Mobile check deposit is where Chase applies its strictest limits — and where most customers run into issues. The reason is fraud risk: when you deposit in person, a teller physically reviews the check. With mobile deposit, Chase only receives a photo, which is easier to manipulate and harder to verify in real time.

Standard Starting Limits

Account Type	Daily Limit	30-Day Limit
Personal checking (standard)	$2,000	$5,000
Chase Total Checking (established)	Up to $10,000	Varies
Chase Sapphire Checking	Higher — varies	Varies
Chase Private Client	$25,000+	Significantly higher
Business accounts	Case-by-case	Case-by-case

Note: These are baseline figures. Your actual limit may be higher or lower based on your account history, balance activity, and relationship with Chase. Chase can adjust limits at any time without notice.

The $25,000 QuickDeposit Ceiling

Beyond your personalized daily and 30-day limits, Chase’s QuickDeposit Service Agreement — the terms you accept when you enroll in mobile deposit — references an absolute upper limit of $25,000 per deposit. This is a ceiling, not your limit: most personal customers will hit their personalized daily or 30-day cap (often $2,000/$5,000) long before they approach $25,000. Think of it as the hard maximum Chase’s mobile deposit system will accept under any circumstances, sitting above whatever individualized limit applies to your account. If you need to move a single check larger than $25,000, mobile deposit isn’t an option regardless of your account tier — that’s a branch or ATM deposit.

Why Your Limit Might Be Different From Someone Else’s

Mobile deposit limits at Chase are not fixed by account type alone — they’re dynamic and assigned based on a combination of factors that Chase evaluates individually. Two customers with identical Chase Total Checking accounts can have meaningfully different limits. The factors that influence where your limit lands:

• Account age: New accounts start with lower limits. Chase typically increases limits automatically after 90–180 days of positive account history.
• Deposit history: Consistent, regular deposits — especially direct deposit payroll — signal stability and typically result in higher limits over time.
• Balance activity: Accounts with healthy, consistent balances tend to receive higher limits than accounts that frequently run low or reach zero.
• Overdraft and returned check history: Past overdrafts or bounced checks can keep your limit lower for an extended period, even after the account is back in good standing.
• Overall Chase relationship: Having multiple Chase products — a credit card, savings account, auto loan, or mortgage — alongside your checking account is a positive signal. Chase is more likely to extend higher limits to customers who have a broader relationship with the bank.
• Risk profile: Chase monitors account activity for patterns associated with check fraud. Unusual deposit patterns — multiple checks just under a limit, rapid deposits after a dormant period — can lower your limit temporarily.

How to Check Your Current Mobile Deposit Limit

Chase doesn’t display your mobile deposit limit on your account dashboard. The only reliable way to see it:

1. Open the Chase app and sign in.
2. Tap Deposit Checks from the main menu.
3. Select the account you want to deposit into.
4. Your current daily and 30-day limits will appear on screen before you submit a deposit.
5. Alternatively, tap “Learn More” on the deposit screen to see your limits and — in some cases — an option to request an increase directly.

This is the only place where your actual personalized limit is displayed. The figures you see online — including the $2,000/$5,000 baseline — are starting points, not your specific limit.

What Happens When You Hit Your Mobile Deposit Limit

If you try to deposit a check that exceeds your mobile deposit limit, the Chase app will decline the deposit before it’s submitted — you’ll see an error message stating that the amount exceeds your current limit. The check is not processed and no money moves. Your options at that point are to deposit the check at an ATM or branch instead, wait until your 30-day limit resets, or request a limit increase (covered below).

How to Increase Your Chase Mobile Deposit Limit

There are three ways to request a higher mobile deposit limit:

Through the Chase App

Go to Deposit Checks, select your account, and tap “Learn More.” Depending on your account status, you may see an option to request a limit increase directly from there. This is the fastest method and doesn’t require a phone call or branch visit.

By Phone

Call Chase customer service at 1-800-935-9935 and ask for a mobile deposit limit review. Have a reason ready — Chase is more likely to approve an increase when you can explain why you need it (depositing a large check from a home sale, receiving a settlement, a one-time insurance payment, etc.). Chase may grant a temporary one-time increase for documented situations even if a permanent increase isn’t approved.

At a Branch

Visit your nearest Chase branch and speak with a banker. This is the best option if your reason is complex, if you’re a business customer, or if you’ve been denied through the app or by phone and want to make a stronger case in person. Bring documentation that supports your request — account statements, business records, or paperwork related to the deposit you’re trying to make.

Realistic expectation: Chase doesn’t guarantee limit increases, and the decision is at their discretion. The strongest case for an increase is a long account history with consistent deposits, no overdraft history, and a clear reason for the higher limit. New accounts and accounts with thin histories are less likely to receive significant increases immediately.

Chase ATM Deposit Limits

Chase ATM deposits work differently from mobile deposits. There’s no set dollar cap on how much you can deposit at a Chase ATM — the practical limits are physical rather than financial:

• Checks: Maximum 30 checks per transaction at most Chase ATMs
• Cash: Limited by the ATM’s bill capacity — typically up to 30–40 bills per transaction depending on the machine
• Dollar amount: No strict limit — you can deposit large amounts that would exceed your mobile deposit limit

ATM deposits are useful precisely because they bypass the mobile deposit limit. If you have a $8,000 check but a $2,000 mobile deposit limit, the ATM is your best self-service option without going inside a branch. The tradeoff is that ATM deposits may have slightly longer holds than mobile deposits for certain check types, since the physical check isn’t immediately reviewed by a teller.

Chase ATMs with envelope-free deposit accept checks and cash directly — the ATM scans checks on the spot and provides an image on the receipt. Not all Chase ATMs have this capability; older machines may still use envelopes, which can add a processing day.

Chase Teller (Branch) Deposit Limits

Depositing in person with a teller is the most flexible option — there is no maximum dollar limit on teller deposits. You can deposit a $500,000 check at a Chase branch. The teller will process it, though large deposits may involve a brief review or require a manager’s sign-off depending on the branch and the check amount.

Two things to know about large teller deposits:

• Deposits over $10,000 require a Currency Transaction Report (CTR). This is a federal requirement under the Bank Secrecy Act, not a Chase-specific rule. Chase files the report automatically — you don’t fill anything out, and it doesn’t mean your deposit is flagged as suspicious. It’s simply a compliance requirement that applies to all cash transactions over $10,000 at any U.S. financial institution.
• Large check deposits may have extended holds. Even without a dollar limit, Chase can place a hold on a portion of large check deposits — particularly if the check is from an unfamiliar institution, is drawn on an out-of-state bank, or is a type that carries higher fraud risk (cashier’s checks from unknown sources, for example). Federal law requires that at least the first $225 of any deposit be available the next business day.

The $10,000 Deposit Rule — What It Actually Means

This is one of the most misunderstood rules in banking. Customers frequently avoid depositing amounts just over $10,000, break up deposits into smaller amounts to stay under the threshold, or worry that depositing a large amount will cause problems. Here’s what’s actually true:

Depositing over $10,000 in cash is completely legal. Chase is required by the Bank Secrecy Act to file a Currency Transaction Report (CTR) with the Financial Crimes Enforcement Network (FinCEN) for any cash transaction over $10,000. This is automatic and routine — it happens millions of times a year across U.S. banks. There’s no action required on your part and no negative consequence for you.

Deliberately structuring deposits to avoid the $10,000 threshold is illegal. If you intentionally break a $15,000 cash deposit into multiple smaller deposits specifically to avoid triggering the CTR, that’s called structuring and it’s a federal crime — regardless of whether the money itself came from legitimate sources. Banks are trained to identify structuring patterns and will report them separately as Suspicious Activity Reports (SARs).

Check deposits over $10,000 work differently. The CTR requirement applies to cash transactions specifically. Depositing a $15,000 check doesn’t trigger a CTR, though Chase may still place a longer hold on a check of that size — up to 5–7 business days in some cases for checks from unfamiliar institutions. Learn more about how this works in our guide to what happens when you deposit over $10,000.

When Chase Deposits Become Available

Having a deposit accepted and having funds available are two different things. Chase follows federal Regulation CC guidelines for funds availability, with its own policies layered on top.

Deposit Type	Typical Availability
Cash (branch or ATM)	Same business day
Direct deposit / wire transfer	Same business day
Mobile deposit (standard)	Next business day
ATM check deposit	Next business day (first $225 same day)
Teller check deposit (established account)	Next business day
Large check ($5,000+)	First $225 next day; remainder 2–5 business days
New account check deposit	Up to 9 business days
Check from unfamiliar/out-of-state bank	2–7 business days

Deposits made after Chase’s cutoff time (11 PM ET for mobile deposit, varies by ATM for in-person) are treated as next-business-day deposits. Deposits made on weekends or federal holidays don’t begin processing until the next business day.

Chase is required by law to notify you when a hold is placed — this usually appears as a message in the app or a printed receipt at the ATM. If you’re unsure why funds aren’t available, check the deposit details in the app or call the number on the back of your debit card. See how bank holds work for a full breakdown of why holds happen and what you can do, or our mobile check deposit guide for the full step-by-step.

Holds vs. Deposit Limits — Understanding the Difference

These two things are frequently confused and it’s worth being clear about the difference:

• A deposit limit prevents you from submitting a deposit at all. If your mobile deposit limit is $2,000 and you try to deposit a $3,000 check via the app, the app won’t let you submit it. The check stays in your hand.
• A hold means the deposit went through — Chase accepted the check — but the funds aren’t available for withdrawal yet. The money is in your account but restricted temporarily. This is not a rejection.

If you see a deposit in your Chase account history but the funds aren’t accessible, that’s a hold — not a failed deposit. If you tried to submit a deposit and got an error message, that’s a limit issue. The solutions are different: holds resolve on their own (or you can call Chase to request early release for certain deposit types), while limit issues require either using a different deposit method or requesting a limit increase.

Tips for Depositing Large Checks at Chase

If you have a check that exceeds your mobile deposit limit or that you expect to have a long hold placed on it, here’s the practical approach:

• Use a Chase ATM instead of mobile deposit for checks up to a few thousand dollars over your mobile limit. No dollar cap applies at the ATM, and the check is processed the same day.
• Deposit in person for very large checks. For checks above $10,000 or from unfamiliar sources (law firms, estate settlements, insurance companies, real estate transactions), going to a branch teller is the most reliable option. The teller can verify the check on the spot and in some cases release funds faster than an ATM would.
• Call ahead for unusually large deposits. If you’re depositing a check significantly larger than what you normally handle — a home sale proceeds check, a large inheritance, a legal settlement — call Chase at 1-800-935-9935 before you arrive. Letting them know what’s coming can sometimes speed up the hold release process.
• Ask about a temporary limit increase for a known one-time deposit. If you’re expecting a specific large check and want to use mobile deposit, call Chase or visit a branch and explain the situation. Chase may approve a one-time increase for documented circumstances even if they won’t raise your permanent limit.
• Don’t split a cash deposit to avoid $10,000. As described above, structuring is a federal crime. If you have more than $10,000 in cash to deposit, deposit it all at once.

Related Chase and Banking Guides

• What happens when you deposit over $10,000
• How bank holds and funds availability work
• Mobile check deposit guide
• How long bank transfers take
• Why Chase transfers stay pending
• Chase routing numbers by state
• Wells Fargo deposit limits
• Bank of America deposit limits

Frequently Asked Questions

What is the Chase mobile deposit limit?

The baseline Chase mobile deposit limit for personal accounts is $2,000 per day and $5,000 over a rolling 30-day period. Your actual limit may be higher depending on your account type, how long you’ve been a customer, your deposit history, and your overall relationship with Chase. Chase’s QuickDeposit agreement also sets an absolute ceiling of $25,000 per deposit that no mobile deposit can exceed. Check your personalized limit in the Chase app under Deposit Checks.

How do I check my Chase mobile deposit limit?

Open the Chase app, tap Deposit Checks, select your account, and your current daily and 30-day limits will appear on screen. You can also tap “Learn More” on the deposit screen for limit details and a potential increase request option.

Can I deposit a check larger than my mobile limit at an ATM?

Yes. Chase ATM deposits don’t have a strict dollar cap the way mobile deposits do. If your mobile deposit limit is $2,000 but you need to deposit a $5,000 check, a Chase ATM is a good alternative. You can also deposit in person at a branch with no dollar limit.

Can I deposit $10,000 or more at Chase?

Yes. There’s no restriction on depositing $10,000 or more — Chase will accept the deposit. For cash deposits over $10,000, Chase is required by federal law to file a Currency Transaction Report (CTR). This is automatic, routine, and legal. You don’t need to do anything differently.

What is the maximum Chase mobile deposit amount?

Chase’s QuickDeposit Service Agreement references an absolute upper limit of $25,000 per deposit. In practice, most personal customers hit their personalized daily or 30-day limit (often $2,000/$5,000) well before $25,000. If you need to deposit a single check larger than $25,000, you’ll need to use a branch or ATM instead of the mobile app.

Why did Chase put a hold on my deposit?

Holds are common for large checks, checks from unfamiliar banks, new accounts, or accounts with a recent history of overdrafts. A hold means the deposit was accepted — the money is in your account — but funds aren’t available for withdrawal yet. Most holds resolve within 1–5 business days. If you need funds released sooner, call Chase at 1-800-935-9935 and explain the situation.

How do I increase my Chase mobile deposit limit?

Three ways: through the Chase app (Deposit Checks → Learn More), by calling 1-800-935-9935, or by visiting a branch in person. For large one-time deposits with a specific reason (home sale, settlement, insurance payment), calling ahead and explaining the situation is your best option — Chase may approve a temporary increase even if they won’t raise your permanent limit.

Does Chase have a daily deposit limit for ATM or teller deposits?

No. Chase doesn’t impose a dollar cap on ATM or teller deposits. ATM deposits are limited by physical machine capacity (up to 30 checks per transaction), and teller deposits have no practical limit. Large deposits are subject to federal reporting requirements and may have extended holds, but they won’t be turned away.

Why is my Chase mobile deposit limit lower than someone else’s?

Chase assigns mobile deposit limits individually based on account age, deposit history, balance activity, overdraft history, and your overall relationship with the bank. Two customers with identical account types can have different limits. Limits typically increase automatically over time as your account history grows.

What’s the difference between a deposit limit and a hold?

A deposit limit stops you from submitting a deposit — the app declines it before it’s processed. A hold means the deposit was accepted but funds aren’t available yet. If you see a deposit in your transaction history, it went through — that’s a hold, not a rejection. Holds resolve on their own; limit issues require using a different deposit method or requesting an increase.

How long do Chase mobile deposits take to clear?

Most mobile deposits are available the next business day. Deposits made after Chase’s mobile cutoff (11 PM ET) are treated as next-day deposits. Large checks or deposits into newer accounts may take 2–5 business days. Federal law requires that at least $225 of any check deposit be available by the next business day.

Bottom Line

Chase mobile deposit limits start at $2,000 per day and $5,000 per rolling 30 days for personal accounts, but your actual limit is personalized and may be higher — up to an absolute QuickDeposit ceiling of $25,000 per deposit. ATM and teller deposits have no meaningful dollar cap. Deposits over $10,000 trigger a routine federal reporting requirement — not a restriction on your ability to deposit.

If you need to deposit more than your mobile limit allows: use a Chase ATM or branch instead, call Chase to request a temporary increase for a known large deposit, or build your account history over time to qualify for a higher permanent limit. And if a deposit goes through but funds aren’t available, that’s a hold — not a failed deposit. The two problems have different solutions.