Chase Direct Deposit Time Frame
Posting order is the order in which we apply deposits and withdrawals to your account. We provide you with visibility into how transactions are posted and in what order to help you better manage your account.
When we transition from one business day to the next business day we post transactions to and from your account during our nightly processing. The order in which we generally post items during nightly processing for each business day is:
- Interest begins to accrue on the business day of your deposit. Interest for CDs is calculated on a 365-day basis, although some business CDs may calculate interest on a 360-day basis. The Annual Percentage Yield (APY) disclosed on your deposit receipt or on the maturity notice assumes interest will remain on deposit until maturity.
- Suntrust Direct Deposit Time. Suntrust (now Truist) posts direct deposits the next business day if the deposit was made after 9pm with Suntrust mobile deposits. This does not include “same-day ACH” direct deposit transfers. Chase Direct Deposit Time. Deposit time frame for Chase account holders is between 3AM and 5AM. Bank of America.
- Complete the direct deposit form. Deliver the form and a voided check to your company’s payroll department. If you’re eligible, your employer will deposit your paycheck directly into your account. Confirm the deposit each pay cycle by signing in to Chase Online SM or checking your account statement.
The Chase bank direct deposit form is a standard and legal form that becomes effective once it is signed. The purpose of this form is to grant the necessary authorization for your Employer and Chase Bank to set up a Direct Deposit of funds into a Chase Bank Account of your choosing when it is time for the Employer to pay you.
- First, we make any previous day adjustments, and add deposits to your account.
- Second, we subtract transactions in chronological order by using the date and time of when the transaction was authorized or shown as pending. This includes ATM and Chase banker withdrawals, transfers and payments; automatic payments; chase.com or Chase Mobile online transactions; checks drawn on your account; debit card transactions; wire transfers; and real time payments. If multiple transactions have the same date and time, then they are posted in high to low dollar order.
There are some instances where we do not have the time of the transaction therefore we post at the end of the day the transaction occurred:- We are unable to show the transaction as pending; or
- We don't receive an authorization request from the merchant but the transaction is presented for payment.
- Third, there are some transactions that we cannot process automatically or until we've completed posting of your chronological transactions. This includes Overdraft Protection transfers or transfers to maintain target balances in other accounts. We subtract these remaining items in high to low dollar order.
- Finally, fees are assessed last.
If you review your account during the day, you will see that we show some transactions as “pending.” For details, refer to the section “Pending” transactions in the Deposit Account Agreement. These transactions impact your available balance, but have not yet posted to your account and do not guarantee that we will pay these transactions to your account if you have a negative balance at that time. We may still return a transaction unpaid if your balance has insufficient funds during that business day's nightly processing, even if it had been displayed as a “pending” transaction on a positive balance during the day. If a transaction that you made or authorized does not display as “pending,” you are still responsible for it and it may still be posted against your account during nightly processing.
The best way to go to Chase.com:
Chase Direct Deposit Time Change
- Make sure your cookies are enabled. See our Online Privacy Policy to learn why we use cookies.
- Check your browser to see if you have the latest version.
Not sure what browser version you're using? Go to whatsmybrowser.org to get details about your current browser. Once you have this information, update your browser using the links above. - When updating your browser, consider this:
- Some features and functions may not operate properly with unsupported browser versions.
- We don't support beta or development browser versions. The browser has to be an officially released version.
- If you're using the latest officially released browser version, there might be a slight delay in our supporting this version as we must conduct testing to ensure it not only meets our strict security standards but also supports all our online features and enhancements.
- We don't support browsers in Compatibility Mode (this only applies to Internet Explorer).
- We don't support third-party browser extensions or plug-ins.