Quick answer
Chase QuickDeposit has several distinct states: submitted/received, accepted, rejected, and accepted with delayed availability. Chase sends separate notifications, so a successful upload should not be treated as proof that the deposit is finally accepted or that the money is already available.
Identify the exact scenario first
Open the Chase email/receipt and determine whether the image was received, accepted, rejected, or placed under further review. Confirm the check was endorsed with your signature and the Chase restrictive endorsement. Check whether you submitted before or after the current 11 p.m. ET business-day cutoff.
Published rules
Chase’s current QuickDeposit help page says users receive an email when a deposit is received and another when it is accepted; a rejection also comes with an explanation. The page instructs users to endorse the check for electronic deposit at Chase. A checking/savings mobile deposit submitted before 11 p.m. ET on a business day is generally available by the next business day, while later/non-business-day submissions start processing the next business day. Chase can delay availability for further review and communicates delayed availability by email.
Decision path
If the deposit was rejected, fix the reason Chase gave before resubmitting. If it was received but not accepted, wait for the acceptance/rejection notification rather than depositing the same check elsewhere. If it was accepted but funds are delayed, use the date in Chase’s notice. Keep the paper check marked as deposited for the retention period Chase specifies or until acceptance is confirmed.
What to do next
For image problems, retake both sides in good light and ensure the full check is visible and properly endorsed. For a review/hold, save the emails and wait through the stated availability window. If Chase’s status is inconsistent or no decision arrives, contact support with the receipt rather than attempting a duplicate deposit.
Important limits
Do not tell users to redeposit the same check through another channel while QuickDeposit may still be active. Do not say 'submitted' equals accepted. Do not copy deposit limits from a different Chase customer tier or investment account into a consumer checking answer.
Sources and freshness
Last verified: October 7, 2026.
Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.
Evidence checklist before support
Keep both Chase emails—received and accepted/rejected when available—plus submission timestamp, check amount, last four digits/account selector shown in the app, endorsement used and any rejection text. Photographing or storing sensitive check images outside the bank is unnecessary; OUSBI does not need them.
FAQ and nearby scenarios
Why did I receive a receipt but no usable money? Receipt/received is not final acceptance or availability. What if I submitted after 11 p.m. ET? Processing shifts to the next business day under Chase’s published mobile schedule. Can I take the same check to a branch now? Not while its mobile status is unresolved because duplicate presentment is a risk. What if Chase accepted it but held funds? Move from image troubleshooting to the hold/availability workflow.
What makes this Chase-specific
The value is Chase’s two-notification model, its current 11 p.m. ET consumer mobile cutoff and its stated further-review/availability process. Those facts should stay attached to Chase rather than becoming generic mobile-deposit claims.
Related guides
JPMorgan Chase: /institutions/jpmorgan-chase/
Mobile deposit rejected, failed, accepted but held, or still under review: /problems/mobile-deposit-problem/