Author Topic: Need advice how to deposit a check  (Read 12864 times)

Offline Venilla

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Re: Need advice how to deposit a check
« Reply #80 on: March 21, 2016, 11:54:47 PM »
Ally bank is free.
Mobile deposit limits are $50k/day, $250k/rolling 30 days.
Popmoney "Limits may vary".
ACH with external accounts is free.
Checks clear according to this timetable: Multiple $5000 checks clear on the 2nd day together.
Doesn't beat Chase with availability... I always have my deposits available the next morning! I can deposit 10:45pm and 10 hours later it's all available.
I like vanilla but my name is Venilla.

Offline yochiek93

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Re: Need advice how to deposit a check
« Reply #81 on: March 21, 2016, 11:56:05 PM »
Doesn't beat Chase with availability... I always have my deposits available the next morning! I can deposit 10:45pm and 10 hours later it's all available.
There are some problems with Chase sometimes

Offline Zalc

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Re: Need advice how to deposit a check
« Reply #82 on: March 22, 2016, 12:15:18 AM »
Doesn't beat Chase with availability... I always have my deposits available the next morning! I can deposit 10:45pm and 10 hours later it's all available.
True. It is a free, no minimum account after all.

Still, good to have available if you hit your main bank's limits, as these are pretty absurd limits

Offline Wizard

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Re: Need advice how to deposit a check
« Reply #83 on: April 07, 2016, 12:35:47 AM »
Doesn't beat Chase with availability... I always have my deposits available the next morning! I can deposit 10:45pm and 10 hours later it's all available.
When you deposit by mobile? I always deposit by mobile and I think its longer. I think I deposit before 11pm Monday, it will be available Wednesday morning...
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Offline popcorn1508

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Re: Need advice how to deposit a check
« Reply #84 on: April 07, 2016, 02:57:35 AM »
When you deposit by mobile? I always deposit by mobile and I think its longer. I think I deposit before 11pm Monday, it will be available Wednesday morning...
With chase as long as it's before 11pm youll have the money in the morning.

Offline emjee

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Re: Need advice how to deposit a check
« Reply #85 on: April 07, 2016, 01:54:37 PM »
With chase as long as it's before 11pm youll have the money in the morning.
+1 across all accounts every time

Offline Wizard

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Re: Need advice how to deposit a check
« Reply #86 on: April 07, 2016, 04:23:28 PM »
With chase as long as it's before 11pm youll have the money in the morning.

+1 across all accounts every time
Interesting. I don't think I have that luck. I'll try it out today. You talking about using the mobile app correct?
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Offline yochiek93

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Re: Need advice how to deposit a check
« Reply #87 on: April 07, 2016, 04:23:45 PM »
Interesting. I don't think I have that luck. I'll try it out today. You talking about using the mobile app correct?
Yes

Offline Wizard

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Re: Need advice how to deposit a check
« Reply #88 on: April 07, 2016, 04:27:03 PM »
Yes
Ok thanks. I'll double check what my timeframe is. I'm pretty sure it's not avail the next morning...
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Offline Geshmak25

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Re: Need advice how to deposit a check
« Reply #89 on: April 26, 2016, 09:15:16 AM »
Do Ally or Chase run your credit when you apply to open an account?
PUTPAC = PITA

Offline yochiek93

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Re: Need advice how to deposit a check
« Reply #90 on: April 26, 2016, 09:18:09 AM »
Do Ally or Chase run your credit when you apply to open an account?
Soft pulls

Offline Geshmak25

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Re: Need advice how to deposit a check
« Reply #91 on: April 26, 2016, 09:23:25 AM »
Soft pulls
Which shouldn't impact CC apps?
PUTPAC = PITA

Offline yochiek93

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Re: Need advice how to deposit a check
« Reply #92 on: April 26, 2016, 09:25:25 AM »
Which shouldn't impact CC apps?
Shouldn't

Offline Zalc

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Re: Need advice how to deposit a check
« Reply #93 on: May 05, 2016, 07:33:39 PM »
I have an interesting issue, maybe someone here has experience with this.

I have a chase Total Biz checking and a CPC Checking linked under the same login.

The Biz accounts mobile deposit limit is $2k, the CPC's is $25k.

The app will only let me deposit a max of $2k, and the rep said that it is because "The biz account is the hierarchy account", and it will set the deposit limit for all accounts, even though it has the lower limit.

Anyone knows how to fix this without de-linking the accounts?

Offline emjee

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Re: Need advice how to deposit a check
« Reply #94 on: May 06, 2016, 06:37:39 AM »


I have an interesting issue, maybe someone here has experience with this.

I have a chase Total Biz checking and a CPC Checking linked under the same login.

The Biz accounts mobile deposit limit is $2k, the CPC's is $25k.

The app will only let me deposit a max of $2k, and the rep said that it is because "The biz account is the hierarchy account", and it will set the deposit limit for all accounts, even though it has the lower limit.

Anyone knows how to fix this without de-linking the accounts?

No experience myself however sounds like a tech issue that could be fixed in a few minutes by first placing the two accounts under two different sign ins. Right after that link the biz  account under the CPC sign in by which the CPC will be the primary sign in . Delinking and linking back isn't a big deal at all. Literally a few minutes

Offline chulent613

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Re: Need advice how to deposit a check
« Reply #95 on: May 06, 2016, 07:33:54 AM »

No experience myself however sounds like a tech issue that could be fixed in a few minutes by first placing the two accounts under two different sign ins. Right after that link the biz  account under the CPC sign in by which the CPC will be the primary sign in . Delinking and linking back isn't a big deal at all. Literally a few minutes
I'm not sure if you can add a business to a personal. I think it has to be the other way around.

Offline Zalc

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Re: Need advice how to deposit a check
« Reply #96 on: May 06, 2016, 11:47:42 AM »
I'm not sure if you can add a business to a personal. I think it has to be the other way around.
Yup.
That is why this is a issue.

Offline CS91

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Re: Need advice how to deposit a check
« Reply #97 on: September 01, 2016, 09:46:49 AM »
Didn't chase increase their mobile deposit limit to $10k? Mine seems to have gone back down to $2k.

Offline gubevo18

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Re: Need advice how to deposit a check
« Reply #98 on: September 01, 2016, 12:24:08 PM »
Didn't chase increase their mobile deposit limit to $10k? Mine seems to have gone back down to $2k.
Mobile deposit limit is always $2k. For reasons unknown (could be track record etc.) they increase it for certain customers even though they aren't CPC (myself included). Interesting that they knocked it down by you. Have you had any checks deposited through the app that didn't go through recently?

Offline CS91

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Re: Need advice how to deposit a check
« Reply #99 on: September 01, 2016, 12:32:33 PM »
Mobile deposit limit is always $2k. For reasons unknown (could be track record etc.) they increase it for certain customers even though they aren't CPC (myself included). Interesting that they knocked it down by you. Have you had any checks deposited through the app that didn't go through recently?
Nope. Actually have barely deposited any checks through app recently but when I did, they all cleared.