Chase iPhone check deposit app starts to show deficiencies

While the new Chase iPhone app has been widely reported on by the (mostly tech) media, Chase’s website, and specifically their mobile banking information page, still doesn’t show any information, so it is hard to find information directly from Chase on the capabilities an deficiencies of their new app.

According to this article, Chase has limited the deposits to $1,000 per day through the iPhone app, and a maximum of $3,00o per week.  Checks larger than those amounts must still be taken into a branch.  The article also reports that the app relies on the same technology used in the envelope-free ATM’s that scan the checks to get the deposit amount.  This technology has proven to sometimes fail to read the information properly, in which case Chase simply mails the check back to the customer, which adds many days onto the deposit process.

What will they do when an iPhone picture of a check isn’t able to be properly read?  Nothing?

Even their description in the iTunes App Store doesn’t give the full details.  App Store reviews list the following problems people have had:

  • Unable to activate the app
  • Inability to edit payments
  • Inability for some customers to find the quick deposit feature (problem with iOS 4?)
  • Not upgraded for the current iOS version
  • Inability to pay certain bills (mortgage or HELOC)
  • Can’t deposit using an iPod Touch
  • Difficulty with rebate checks

I could go on.  Overall, the rating of the app went down over the previous version.

I appreciate that Chase is trying here, I really do.  But perhaps more important than technological bells and whistles, would be more competent customer support and less bilking of customers with ridiculous fees.

Update:  A recent report of problems with the app crashing.


  • By ana, February 3, 2011 @ 7:32 pm

    I deposited a check with my iphone and it was returned. Chase charged a fee of $10 because the iphone photo was not complete of the front check. I am sure I took the photo but the app doesn’t save the photo in your cellular, It will be the last iphone deposit I will make with Chase. Sorry !!

  • By Allison, February 20, 2011 @ 4:08 pm

    loved trying the chase quick deposit, but whats with the $1000 limit? now I can’t use it, my checks are greater then $1000. What a disappointment.

  • By kamron, August 18, 2011 @ 10:34 am

    i got the chase app and everythings fine except i always get an error when i go to deposit the check. I can take the pics but it wont deposit

  • By James, August 24, 2011 @ 10:34 am

    Max amount of $1000.00 SUCKS

  • By Ryan, September 12, 2011 @ 10:58 am

    I was very excited to make great use of this app. After entering the amount & snapping pics, upon clicking “submit” I receive an error message that I can’t use quick deposit. No error code to give to customer service, no help on the website. Very frustrating. Also, if it ever does work, I will be unable to deposit my paycheck with the $1000/day deposit limit. Extremely disappointing.

  • By Peter, October 1, 2011 @ 8:06 am

    I was able to deposit checks just once. Now it says that my account is not able to deposit checks, however both the branch and phone support says there is nothing wrong. What gives Chase, I would like to use this, but it’s useless!

  • By steve, October 29, 2011 @ 5:56 pm

    Useless app does not work. instead of saving me the time of going to the bank I wasted 30 minutes trying to “Quick deposit” and had to go to the bank in the end….useless

  • By Mike, November 1, 2011 @ 5:06 pm

    Actually, chase just increased the daily limits to 2k and the monthly limit to 5k… The iphone app has worked very well for me so far and chase has seemed to reply to customer concerns

  • By Angi, November 13, 2011 @ 7:49 am

    I just tried to use QuickDeposit for the first time. It gave me an error saying my account type was not eligible. Called customer service who told me you can’t use QuickDeposit if you have have ANY overdraft fee in the last 12 months. I have not been able to find this info anywhere else though! Chase SUCKS and I’m going to a local credit union tomorrow.

  • By Carol, December 9, 2011 @ 9:17 pm

    I deposited a check at 9:03 pm on a Friday which I wanted to be there by Saturday (which is why I used mobile). I received an email explaining that deposits are subject to East Coast time so my deposit was technically made at 12:03 a.m. on Monday! I will have to draw down a credit line now to cover a second deposit because I can’t get the money “back” to deposit in person tomorrow. If the “rules” are on the Chase website, I couldn’t find them! Count me as another dissatisfied customer!!

  • By josh, January 14, 2012 @ 3:34 pm

    the limits kinda suck yea, but if you deposit a check at 9pm on a friday you shouldnt expect to have the money in your account until the next business day…Monday, some of you people are not very intelligent,CAROL the post above this one. You did agree to the rules and regulations before they allowed you to obtain this app?? correct

  • By NYerk, February 14, 2012 @ 8:47 am

    Josh, you must be a Chase employee. I deposited a check in the quick deposit ATM. Later they couldnt read check, mailed it back to me. WTH uses mail. I was out the money for two weeks. I hate chase.

  • By Ami, February 16, 2012 @ 9:14 pm

    Does anyone know if the Chase policy still stands that if you receive an NFS fee in the past 12 months, you cannot use the deposit feature on iPhones? Thanks.

  • By felicia, March 16, 2012 @ 8:38 am

    Chase Bank has been advertising it’s iPhone App all over TV. What a wonderful thing technology is. However, they have restrictions on the app that are not disclosed to customers… or even written down anywhere. Their policy for making deposits using the application (“QuickDeposit” sm) is you can deposit $2000 per day per account and up to $5000 per month per account.” It seems silly to limit deposits but that’s not the issue. The issue is they set these limits “per MONTH.” A person of reaonable intelligence might believe this might mean March 1-31, for example. But no. Chase doesn’t mean this. You might think this means your statement cycle date, i.e. 2/14 – 3/14. But no they don’t mean this either. Seems Chase has made up some “arbitrary” 30-day period based on when you might have last used their application. This is not disclosed ANYWHERE. It is not on their website, not in an info packet in any branch and not even in the service agreement or terms of use for the application. They just made it up. It is extremely misleading for consumers and I would think that a financial institution regulated by the federal government would be a lot more keen on disclosures to customers. Who would remember the “last date” they used the application and whether or not any previous deposit amounts might have been at or near the arbitrary $5000 deposit limit?

  • By Will, September 14, 2012 @ 9:41 am

    I found out today that my Chase deposit app wasn’t working. After calling Chase I found out that my quick deposit privileges were revoked due to frequent overdrafts. These over drafts were occurring because I was buying gas but the transaction doesn’t post for a few days. I tried explaining to them that I am away at school, and if they don’t reinstate my privileges I am going to be forced to use another bank. They still wouldnt help me at all

  • By matt, September 23, 2012 @ 8:34 am

    i have trying to activate for 4 days. i keeps giving me error that won’t let me activate. i guess what they tell people on TV is not always what they actually do. not a great start to our relationship.

  • By Chee, September 23, 2012 @ 12:51 pm

    Same thing as Matt above.

  • By BP, January 7, 2013 @ 3:58 pm

    I just tried to deposit a check written of a BofA account in the amount of $1000. Failed due to “a problem with the routing or account number.” Nope. Verified as correct. Then I tried depositing another check for $960 and a third for $100. They both worked fine. Tried depositing the $1000 check with the same “verify routing/account number error. This is a common error with checks from BofA, maybe because BofA account numbers have a hyphen??
    Here’s the best (worst?) part. All of the checks were written on the exact same BofA account. Two of them work but the third doesn’t?? And the first check at $1000 would have been under the supposed $2K limit. What gives? Now I have to make a run to the local branch to deposit one check.

  • By gmh, January 31, 2014 @ 4:27 pm

    Recently every time I try to deposit a check with this app the screen goes blank and I have relog in. I do not know what the problem with the app is. It worked fine up to about two weeks ago. needs to be fixed.

  • By L, November 3, 2014 @ 12:56 pm

    This app is really convenient for me since I work during the hours the bank is open and am too busy to go to a branch in person. Never had a problem, pleasantly surprised.. Genuinely makes my life easier

  • By ks, December 1, 2014 @ 1:21 pm

    Still unable to deposit checks with my iphone 4s / I can add the amount and take the pic but I cannot select “USE” for the picture. It just doesnt do anything. This is app is useless just like chase customer service. Going back to a credit union

  • By Kelly, April 20, 2015 @ 8:58 pm

    I have an iPhone 6. Every time there is an update to the phone, the app doesn’t work for depositing. This time it lets me take the pictures and select use, but it says the images are blurry. The photos are perfectly clear and even if I retake them, it won’t accept them. I don’t understand why this app repeatedly has issues and they don’t do anything about it, guess that’s what big corporations do.

  • By Not gonna take it, March 4, 2016 @ 12:00 am

    The app works fine, it’s chase’s policies that are screwed. I’ve noticed it for a while and tonight was the last straw. It started with charging me for money orders, then I couldn’t deposit cash into someone else’s account, then even accounts set up specifically to receive cash deposits require id to do so. I went into a bank and there were no tellers, just a f’n laptop on a pedestal! I could have stayed at home and done online banking. Now tonight I remembered I had a check I received in the mail I had forgotten to deposit during my day. Nothing big, a refund check from my auto insurance for $14.60. No problem, I got this, I remember my chase app has quick deposit for depositing checks over the phone. (Which I’ve successfully done many times) when I logged in tonight however step 1 choose account for deposit, I could not select my checking account(the only chase account I have). It denotes that it is not eligible. ???? After going through every page and thumb available in the app I had no explanation. So I went to contact us. From there it’s herding me through their automated system. Which eventually ends with a lady of noticeable middle eastern decent. Now she was nice as could be but had no clue. Didn’t know the criteria for eligibility, didn’t have a way of checking my account t to explain to me why, when , or how. After many on hold sessions I’m told I’ll need to go down to branch so they can tell me why! She didn’t know is what it was. So I asked if they were going to be able to see something she couldn’t. After one more final on hold session she was happy to report that she knew why this ineligibility had been applied to my account. Turns out due to recent account overdrafts, my quick deposit privileges had been revoked! I am being punished for overdrafts! Not to worry, if I try hard and be a good little boy daddy will reinstate my priveleges! B*llSh*t. I’m going down there tomorrow and closing my account. I don’t need this condescending elitist judgemental nonsense.

  • By Don Q, July 9, 2016 @ 3:13 pm

    Wasn’t able to deposit the check, “the amount on the check did not match the amount input”, twice!

  • By Charles, November 18, 2016 @ 5:35 pm

    Agree with other posters here – why revoke the ability to use the app to make a DEPOSIT when you have had an overdraft fee…WHY? Absolutely STUPID

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