How Long Does Mobile Deposit Take?

Mobile check deposit allows you to deposit checks remotely from your mobile phone at any time. Your money is usually available within one business day, but sometimes the process takes longer.¹ When you use mobile check deposit in your Chime app, processing can take up to five days.

Every bank’s policies differ on mobile check deposit timing. Some banks offer same-day or next-day mobile check deposits for a small fee. Financial institutions might also clear a smaller amount of the check you deposited immediately and then clear the remainder of the money within a few business days.

When you deposit a check through a mobile banking app, there might be a message letting you know when you can expect the money to be available. You might also receive email or text notifications if there’s a temporary hold on the deposit.

Chime members can make mobile check deposits once they set up direct deposit. We process checks as quickly as possible, but there still may be a small waiting period.

Occasionally, a mobile deposit might not go through. Double check that you’re using your banking app’s mobile check deposit feature correctly to avoid any delays. Small details could delay your check from getting to your account.

Here are some common reasons why your funds could be delayed when depositing a check online.

• Prohibited types of checks: Many banking apps don’t accept third-party checks, money orders, or checks from foreign countries. If you deposit an unsupported check type, your check will likely be rejected.
• Limits on mobile check deposit daily amounts: Make sure your check doesn’t exceed your financial institution’s deposit limits. Your check might be rejected if your bank has a maximum daily deposit limit.
• Incorrect amount listed: Another issue that could delay access to your funds is writing an amount that doesn’t match the check amount. If you have a check for $567 that you’d like to deposit but you accidentally enter a check amount of $577, the error could cause a delay in accessing your funds.
• Poor image quality: Mobile deposit apps rely on clear, legible images of your check. Blurry pictures, shadows, or paper creases can make it hard for the system to read the check details, leading to rejection. To avoid this, always use good lighting when taking photos and ensure the entire check fits within the frame.
• No endorsement: Endorse your check for mobile deposit correctly by signing the back of it as directed. Some banks may also require that you add a phrase like “for mobile deposit only” underneath your signature. Check the requirements for mobile check deposits in advance to ensure you can use the mobile app feature for your check.

If you’re looking for a bank with mobile check deposit instant funds availability, the reality is that no mobile deposit is truly instant. Banks implement holding periods on check deposits to make sure the payer’s account has sufficient funds.

Even though instant mobile check deposit doesn’t exist, how long it takes for mobile check deposit to go through will vary based on your bank’s policies and your relationship with the institution.

In general, you can expect to receive your funds within one to three business days if the following conditions are met:

• Your account is in good standing, meaning you have a positive balance and no history of overdrafts.
• You have a track record of successful mobile check deposits, as banks tend to expedite processing for customers with a history of reliable transactions.
• The check amount does not exceed your bank’s daily deposit limit, which can vary depending on your account type and banking history.

If you’re already using a mobile banking app, mobile check deposit is a feature that can save you time and effort. Make sure you have the right kind of check and know your banking institution’s rules for mobile deposit. Before depositing a check through your banking app, check your bank’s guidelines if you’re wondering how long does it take for mobile check deposit to clear.

Signing up for direct deposit when possible can also help get you paid faster, especially when receiving regular payments from an employer or government agency.