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Does chase bank app show pending deposits? (Explained)

Does chase bank app show pending deposits? (Explained)

The Chase bank app is an extremely useful tool if a consumer is already a Chase account holder. By simply downloading and logging in, the user can access his or her bank accounts, credit card accounts and general account information, as well as make deposits and payments on credit cards as well.

However, while electronic deposits are an ideal convenience for someone on the go who doesn’t want to deal with the ATM or finding an in-person bank branch, that doesn’t mean the deposit made is automatically ready and available.

What often happens is that the transaction, once scanned and submitted, will show as a “pending deposit,” until fully cleared by Chase.

The delay isn’t long, usually about a day at most, but it is something customers should always be aware of when using the Chase app.

Does the Chase Bank App Show Pending Deposits?

Yes, if a new deposit is not yet cleared, either through the app or via an ATM, the deposit is tentative and subject to reversal, technically.

This is so that Chase can clear the deposit completely and doesn’t commit to a deposit that is not correct.

The only time a deposit is automatically made and available at the time of deposit is usually an in-person deposit in a bank branch with live personnel for transactions under $5,000, or with a wired deposit from another bank. And even with wire transfers, over $5,000 will have an automatic delay of five days, usually. In the app, all pending deposits will show as deposits with the word “pending” or similar notation until cleared. 

Customers should also note that if a pending deposit has a problem, the bank can also reverse the transaction. This can happen, for example, if a signature is missing on a check being processed.

The pending deposit, which increased the account balance, would then be deleted, and the balance would decrease again.

How to Check for Chase Pending Deposits 

Finding a pending deposit is fairly simple. All one has to do is access their account online, either through the Chase website or through the Chase app and then look at the specific account.

If a deposit is pending, it will show under the Activity section for that specific account. If the deposit is not present in the displayed file, the customer should double-check their ATM or deposit receipt that the transaction was not put into a different account.

If still the same account and not posted, the customer should go to a physical bank location with the deposit slip processed or ATM receipt and confirm what happened to the transaction.

Trying to do the same over the phone is probably not going to work well.

At the physical bank branch, personnel can look up the information immediately and confirm what happened, if there is a hold on the deposit or something else is going on.

They also have the power to correct obvious mistakes as well.

What Time do Chase Deposits Hit? 

Deposits are posted daily, usually in the morning, during bank business daytime hours. They always transact after draws or charges on the given account are taken first.

This sequence is a common concern for folks watching their account and spending down to the penny. It’s tempting for folks in these situations to assume a deposit is active and spend against it, only to find their account overdrawn due to the timing of the deposit transaction clearing.

The safest way to know for sure a deposit is made is to wait one business day after the deposit is made unless processed in person. 

What Time Does Chase Bank Update Accounts? 

Again, Chase bank typically updates accounts first thing in the morning, U.S. Eastern Time. Charges are processed first, and then deposits are posted.

It’s the same detail displayed regardless of whether one is using the website or the Chase app to see the information and latest status. 

Final Thoughts

The Chase app continues to be convenient for immediate access to bank account and credit card information for customers.

Understanding what the notations mean in the information provided also helps with decision-making and knowing what to rely on when.

When it comes to pending deposits, it’s a general rule not to assume a deposit is fully active until completely processed, which usually takes one business day at least. Chase is not different in this regard, and the bank does tend to process transactions very quickly, including those made with the Chase app.