The Chase Mobile app is an all-inclusive platform that provides a centralized way to manage all of your Chase accounts. The app allows owners of any Chase card—credit or debit—to bank from the convenience of their phone in almost any location.

The app is supported by both Android and Apple devices, so you can rest assured that it is constantly being updated and improved for users on both mobile platforms.

The Chase app has a wide range of helpful features, including QuickDeposit, QuickPay, the ability to see a routing number and account number, location services and financial reporting through Today’s Snapshot.

The app is also highly rated by consumers, with 3.4 million ratings and a 4.8/5 ranking on the Apple App store—and for good reason. It offers a wide range of mobile banking services that simplify and speed up on-the-go banking.

Range of services

The Chase app offers a wide range of services, including:

  • QuickDeposit: QuickDeposit allows Chase customers to scan deposit items such as checks and use the images to make deposits electronically. This feature is largely standard in the credit card industry, but its convenience certainly can’t be overlooked.
  • QuickPay: QuickPay is a popular feature of the Chase app. By using QuickPay, Chase card owners can make person-to-person money transfers in real-time. Use of QuickPay is supported by Zelle, and while it’s primarily used by Chase customers, money can be transferred to people without a Chase account if they sign up with their email address or phone number.
  • Replace your card: If your card is lost or stolen, you can use the app to request a new debit or credit card.
  • Unlock and lock your card: If you’ve lost or misplaced your credit or debit card, you can lock it from your Chase mobile app to prevent purchases or prevent cash advances. If you locate your card, you can unlock it from the app as well.
  • Sign up for overdraft protection: You can apply a setting to your checking account that automatically transfers money from your savings account to your checking account.
  • Autosave: Create a savings goal and track your progress. You can direct automatic transfers to your savings account so that you meet your goal.
  • Credit journey: Enroll into Chase’s credit journey program from the app. Once you enroll, you can check your credit score, monitor your credit activity and learn more about how your credit score works.
  • Set up your budget: Use the budget planner tool to stay within your spending goals. You can turn on “daily pacing”  to help you stay within your budget. You’ll get tips in the app if you are overspending or coming in under budget.
  • Chase First Banking: If you have minors with a Chase First Banking account, you can set up, monitor and perform other actions for their account. Some functions include making transfers, setting up a recurring allowance, creating chores and accessing account services.
  • Chase Offers: Add offers connected to your Chase credit card and check the amount you’ve earned to date. Chase Offers can give you cash back at various retailers.
  • Chase Ultimate Rewards: Check your Ultimate Rewards balance, access the Ultimate Rewards portal, check card benefits, transfer to travel partners and more.
  • Send a wire transfer: Save money by sending a domestic wire transfer directly from your Chase app.
  • Location features: The location feature within the Chase app saves you the trouble of having to exit your app to search for directions online. Through the app card owners can locate the nearest ATM or Chase branch in their area.
  • Today’s Snapshot: One of the most interesting and unique features of the Chase app is a category that can be found at the top of the main page called “Today’s Snapshot.” This section of the app shows not only your daily spending habits but also helps you see your overall spending trends by breaking down your monthly spending into categories such as food, entertainment and gas.
  • Management of car loans, mortgage and investments: The convenience and accessibility of the Chase app are further highlighted by the features that allow you to manage your car loan, mortgage and investments all from one application. These features won’t be used by all Chase card owners, but if they apply to you, you can make your finances more streamlined through one all-inclusive portal.


Navigating the Chase app offers a user-friendly experience that is simple once you understand the main features and overall layout.

When you open the app, you are first brought to the main menu that shows all your active Chase accounts. Your checking account, credit card balance, car loan and investments are clearly visible, and if you click on any of the aforementioned categories, you will be taken to the individual page with more information.

Off the main menu, you can also find Today’s Snapshot, which helps Chase card owners easily track their spending habits.

The “nav menu” on the left hand side of the app is the second main interface for navigating the Chase app. From the nav menu, you can find QuickPay, QuickDeposit, Chase Offers, location services, account security and links to the pages that can be found on the main portal.

Perhaps one of the most common questions for anyone with a credit card or debit card is “How do I find my routing number?” With the Chase app, finding your account and routing number is simple. From the main profile, you simply tap on the section labeled “account.” From there, you click on “show details,” and then you can see your account number, routing number and interest rates.


Security is an important factor to any credit card owner and it is specifically important when considering a portal that will house your entire financial portfolio.

The Chase app is protected by a 128-bit encryption for all of your personal account information, data and messages. This information can only be decrypted by the app on your phone—keeping it safe from potential hacks and information breaches.

Chase also uses two-factor authentication to verify your sign-in attempts. When you sign in for the first time or with a device the Chase servers don’t recognize, it’ll ask you for your username, password and a temporary identification code, which is sent to you by phone, email or text message. Once you enter in the identification code, you’ll be securely signed in to your accounts.

Finally, if your phone uses facial recognition (Face ID for iOS and face unlock for Android) to authenticate your sign-on attempts, then you can use this feature to access your Chase accounts on the mobile banking app instead of a password. If your phone doesn’t have facial recognition capabilities—or you just don’t want to use the feature—then a standard password can be used.

How can I get the most out of my Chase mobile banking app?

The best way to use your Chase mobile banking app is to check it frequently for updates regarding your accounts. The app will help you monitor your Chase accounts for both security purposes and to maintain good financial habits when it comes to managing your money.

You should keep the app updated so that you have access to new features and fixes that the development team is constantly rolling out.

Lastly, the performance of the app is much better when you are connected to a strong Wi-Fi signal. If not, many pages may load slowly or not display at all. This can make for an extremely frustrating user experience.

If you ever experience problems with the app, check your Wi-Fi signal, close and reopen the app or check for updates. You can also uninstall the app and reinstall it.

If it still doesn’t work for you, you can contact the internet banking support group via phone or visit a local Chase branch, where a personal banker may be able to troubleshoot your app issues.

Bankrate’s take

The Chase Mobile app is a well-organized platform whose primary selling points are its ease of use and convenience for card owners.

What sets the Chase app apart from the crowd are features such as Today’s Snapshot and Chase QuickPay. While neither of these features alone is a singularity within the online banking market, Today’s Snapshot does what you would normally need a separate application (such as Mint or Expensify) to achieve.

Along these lines, Chase’s person-to-person payment platform QuickPay is also not alone in the market of transferring money—popular apps such as Venmo and Cash App have a similar structure—but its benefit comes in the form of convenience.

At the end of the day, is the Chase Mobile app going to change your life? Probably not. What it will do is serve as a streamlined app that makes banking and managing your money a simpler and more user-friendly experience.