Chase Liquid gives you a world of features with a flat monthly service fee Footnote (Opens Overlay) of $4.95. Other costs may apply in special situations. Learn more about costs and how to help avoid them.
Learn more about costs and how to help avoid them.
Chase Liquid Card is a reloadable prepaid card that can be used virtually anywhere VISA® debit cards are accepted. Excluding rentals (e.g., cars, equipment, furniture). It allows you to manage your money and gives you access to over 15,500 Chase ATMs and 5,400 branches nationwide where you can load money to your card, make no fee cash withdrawals and more.
Reload your card – Load paychecks, government benefit checks, and tax refunds by signing up for Direct Deposit. You can also make a cash or check deposit at a Chase DepositFriendlySM ATM or at your nearest Chase branch, deposit checks using Chase QuickDepositSM Footnote (Opens Overlay), or transfer money onto your Chase Liquid Card from an eligible Chase checking or savings account online, with Chase Mobile® Footnote (Opens Overlay), at a Chase ATM, or by phone.
Use your card – Shop online or in stores (excluding rentals, e.g., cars, equipment, furniture), withdraw money at an ATM or branch, or pay bills using your 16-digit Card number on merchant sites that accept VISA® debit cards.
Check your balance – Stay on top of your balance by setting up Account Alerts Footnote (Opens Overlay) on Chase.com, where you can also view recent activity. When you’re on the go, use Chase Mobile Banking to keep track of your balance and recent activity.
You may withdraw up to $500 cash per day from the ATM, and you may make purchases, along with cash advances at the teller, totaling up to $3,000 per day. Withdrawals and purchases that exceed the balance on your Card will be declined. See complete Chase Liquid Agreement (PDF) for details.
A negative balance may occur if the final purchase amount the merchant submits to us is greater than the amount we originally authorized, or the merchant processes a transaction without prior authorization. Your Monthly Service Fee will also deduct from your balance even when your available balance is less than the Monthly Service Fee. You should immediately add more money to your Chase Liquid to bring your balance above zero. There are no overdraft fees for Chase Liquid.
It’s safer than cash, and you can rest easy knowing your money is FDIC insured up to the maximum allowed by law.
You won’t be charged any overdraft fees.
You can monitor your activity and stay on top of your spending by checking your balance and using Chase Account Alerts Footnote (Opens Overlay) with Chase OnlineSM and Chase Mobile®.
No fee to load funds and make withdrawals at Chase ATMs and Chase branches
Zero Liability protection: Chase reimburses you for any unauthorized Card transactions made at stores, ATMs, on the phone or online when reported promptly. To notify Chase of any unauthorized transactions, promptly call us or visit a Chase branch. Certain limitations apply. See Chase Liquid Agreement (PDF).
Chase Liquid Card is a reloadable prepaid card that you can load with money at any time. You may not spend more than what is available on your card. This allows you to help manage how much money you have to spend.
A Chase Liquid Card is reloadable, so you can continually load money to your card with cash or checks without the need to open another card. And unlike many gift cards, you can withdraw cash at ATMs and branches.
Stop into any Chase branch to open a Chase Liquid Card. If you are not issued a personalized card at the branch, you will receive a temporary Chase Liquid Card that you can start using right away. Your personalized card (embossed with your name) is ordered when you receive your temporary card and will arrive in the mail within 7-10 days. The personalized card will replace any previous card issued. Once you activate your new card, safely destroy your old card as it is no longer valid.
The temporary Chase Liquid Card you receive at the branch is a fully functioning card that you can use immediately at Chase ATMs or virtually anywhere VISA® debit cards are accepted. Excluding rentals (e.g., cars, equipment, furniture).
Transfers from eligible Chase checking or savings accounts
Same business day
Checks (unless a hold is placed on the check)
Next business day
In most cases, ATM deposits and transfers must be made before 11:00 PM Eastern time to meet the same business day cutoff.
In some cases, we may not make all of the funds that you deposited by check available by the first business day after your deposit. Funds may not be available until the second business day after your deposit. However, at least the first $200 of these deposits will be available on the first business day after your deposit. See complete Chase Liquid Agreement (PDF) for details.
There are no limits on how much or how little money you have on your card. However, cash deposits are limited to up to $4,000 a month. There is no limit for other types of deposits, such as direct deposit, check deposits at ATM/Teller or transfers for your Chase checking or savings account to your Chase Liquid Card. See complete Chase Liquid Agreement (PDF) for details.
Once you open a Chase Liquid Card at a Chase branch, you can use it virtually anywhere VISA® debit cards are accepted. Footnote (Opens Overlay) Shop in store or online, pay bills at merchant websites by using your card number or withdraw cash from an ATM.
You can use your Chase Liquid Card immediately after you load cash at an ATM or Chase branch. When you load a check at an ATM or Chase branch, funds are subject to the Funds Availability Policy. See complete Chase Liquid Agreement (PDF).
You can use your Chase Liquid Card internationally virtually anywhere VISA® debit cards are accepted.Excluding rentals (e.g., cars, equipment, furniture).If the purchase is not completed in U.S. Dollars, it will be converted or exchanged to U.S. Dollars. The exchange rate will be applied either by the network that processes your transaction or the government-mandated rate in effect for the date that the network processes your transaction, which may be on a date that is different than when you actually used the card. In addition, a 3% Exchange Rate Adjustment Fee will be added to the converted amount.
Most merchants ask us to authorize your purchase. When we give authorization to a merchant, we will hold funds on your Chase Liquid Card, generally for up to 3 business days, to pay for your purchase. For gas station purchases, up to $50 may be temporarily reserved when you use your Chase Liquid Card to pay at the pump. To avoid a declined purchase or incurring a hold greater than your actual purchase, pay for gas purchases at the cashier. Additionally, rentals (e.g., cars, equipment, furniture) are not eligible purchases with Chase Liquid and will be declined. See complete Chase Liquid Agreement (PDF) for details.
Any credit for returned or exchanged merchandise must come from the merchant and is subject to their policies. It may take up to 7 business days after we receive credit from the merchant to add it back to your balance.
Log on to Chase OnlineSM, click on the Customer Center tab, and download the Direct Deposit form. Complete this form and give to your employer's payroll department to request Direct Deposit of your payroll check. You can use this same form to set up Direct Deposit of government benefit checks and tax refunds, too.
Direct Deposit to have your paycheck, government benefit check, or tax refund added to your Chase Liquid Card. Download a Direct Deposit form found in the Customer Center tab when you log in to Chase OnlineSM and give it to your employer or benefits provider. We do not charge a fee for this service.
Account Alerts to help you to monitor your Chase Liquid balance on your phone, through email or text alerts Footnote (Opens Overlay)
Chase Account Alerts Footnote (Opens Overlay) are easy to set up. Most Alerts can be sent to you via email or text message. You can enroll, set up, and manage Alerts by logging in to Chase OnlineSM and selecting the "Account Alerts" link in the Customer Center.
You can customize your Alerts by setting dollar amount thresholds for different balances and transactions, including ATM withdrawals and Chase Liquid Card activity. We'll automatically notify you when activity on your account triggers one of the Alerts you've specified.
Delivery of Alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider, technology failures and system capacity limitations.
Alerts can be used to notify you of many different types of activities including:
Your daily card summary
When your balance falls below an amount you've specified
When a Chase Liquid Card transaction exceeds an amount you've specified
When an ATM withdrawal exceeds an amount you've specified
When a Direct Deposit greater or lesser than an amount you've specified has posted
You can view your statement and update your statement preferences online at any time at no charge when you enroll in Chase Online. You may also request a paper copy of your statement by visiting a branch or calling a Chase Telephone Banker at 1-877-712-0088. See Chase Liquid Agreement (PDF) for complete details.
There is no charge from Chase to download or use the Chase Mobile App. However, you should contact your wireless service provider to see if any connectivity or usage rates may apply. Fees as described in your Chase Liquid Agreement (PDF) still apply.
To get started, simply go to the Chase Mobile App and log in. We'll prompt you to verify that you own the Chase Liquid Card you want to access from your phone. To do this, you'll need to request an Identification Code, which we'll send to you by phone, email or text message, depending on the delivery method you selected. When you receive your Identification Code, you can use it to complete the identification process and log in to the Chase Mobile App.
In addition to your Chase Liquid Card, you can see the same Chase checking, savings, money market, investment, credit card, business, home equity, auto and mortgage accounts you access on Chase Online using your Chase Mobile App.
If you have a student loan, you won't be able to log in through the Chase Mobile App unless you have other Chase account types as well.
Chase QuickDeposit is a service that allows you to take a picture of your check with your camera-enabled mobile device and send the images electronically to Chase for deposit onto your Chase Liquid Card.
To use Chase QuickDeposit, take a picture of the front and back of your endorsed check. You can use the Chase Mobile® App to transmit an electronic image of the check to Chase, thereby depositing the funds onto your Chase Liquid Card. We'll store the check images online for secure, accurate and efficient record keeping.
You may submit your deposits at any time and may include one check in a single deposit. You can submit as many deposits as you need to each day, up to $2,000 per account. There is a $5,000 monthly limit per account for deposits made with Chase QuickDeposit. If you're a Private Bank client, you can submit up to $25,000 per day and $100,000 per month.
Chase QuickDeposit is protected by several layers of security. We use 128-bit SSL encryption technology to protect your financial activities while using the Chase Mobile® App. You must enter your Chase Online User ID and Password to access your Chase Liquid Card information.
If we receive a scanned item on or before 11:00 PM EST on a business day we are open, we will consider that day to be the day of deposit. If we receive a scanned Item after 11:00 PM EST or on a weekend or a state or federal holiday, we will consider that the deposit was made on the next business day.
Funds from deposits made via this service generally will be available for withdrawal by the next business day after the day of deposit. However, we may apply additional delays on the availability of funds based on any other factors as determined by us in our sole discretion.
You can see detailed information about a submitted deposit at Chase.com for 120 calendar days. You can see general deposit details on "My Accounts" for up to 120 days and access them for up to 13 months on "See Activity" on your mobile device.
Flatten the check and place it on a dark, non-reflective surface. Make sure there is enough light to distinguish the check from the background.
Line up the check with the horizontal and vertical guides provided and click the camera icon to take a picture.
The image will be displayed for you to review. If it is not readable, click "Retake" to retake the picture of the check.
If you can read the details on the check, click "Use" to keep the image. If our system can't correctly interpret the writing on your check, you can always deposit your check at any Chase branch or Chase DepositFriendlySM ATM.
Note: Please remember to endorse the check before you scan it. If you don't, the payor's bank may choose not to pay it, and the deposit credit to your Chase Liquid Card will be reversed.
Once you've scanned and submitted your deposit, you should mark the checks as having been deposited and store them in a secure location until you destroy them. There are no laws or regulations that specify any length of time you need to keep the original checks. We recommend that you destroy the original checks immediately after the deposits have been posted to your Chase Liquid Card.
Do not create an obvious PIN or Password like your birthday or a pet's name. Never give your PIN to anyone and avoid carrying it with you. Change your PIN from time to time and do not write the PIN on your Chase Liquid Card.
You have full access to Chase.com to track your balance and view recent activity. Or, Chase Telephone Bankers are available at 1-877-712-0088. You can also visit one of our more than 5,400 conveniently located branches nationwide.
If your card is lost, stolen or damaged, call us immediately at 1-877-712-0088 or visit your nearest Chase branch to report. Your Chase Liquid Card comes with Zero Liability protection, which means that you will not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. See Chase Liquid Agreement (PDF) for complete details.
A chip adds another layer of security to cards when used at a chip card reader. During the chip transaction, the chip produces a single-use code to validate the transaction—further protecting cards from unauthorized use.