Compare the mobile check deposit limits at the top U.S. banks, including daily limits and rolling 30-day limits.
Simon Zhen
Updated: Dec 19, 2022
Mobile Check Deposit
Mobile check deposit, which lets you deposit checks by taking photos of them, has become one of the highly demanded features of mobile banking -- you might even want to switch banks to get it.
But, the deposit limits on this feature may sway the choice of the bank.
Unlike check deposits through a bank teller or ATM, mobile check deposits are subject to limits because of the heightened risk of check fraud.
Since customers can still hold onto a check after it is deposited through a smartphone, it is possible that someone may attempt to deposit the same check at multiple banks.
If you have to deposit checks in excess of these limits will have to resort to visiting a branch or ATM. These limits may also affect your decision of picking the best checking account for you.
Deposit your large checks using a phone with these top online banks:
Mobile Check Deposit Limits at the Top U.S. Banks
Bank of America
The Bank of America mobile check deposit limit is $10,000 per month for accounts opened for three months or longer; for accounts opened for fewer than three months, the limit is $2,500 per month.
For customers in the Bank of America Preferred Rewards program for more than three months, the mobile check deposit limit is $50,000 per month. For accounts in the program for fewer than three months, the limit is $25,000 per month.
Chase
The Chase mobile check deposit limit for all customers is $2,000 per day and $5,000 over a 30-day period.
Wells Fargo
The Wells Fargo mobile check deposit limit for all customers is $2,500 per day and $5,000 over a 30-day period.
Citibank
The Citibank mobile check deposit limit for customers with accounts opened for 6 months or longer is $1,000 per day and $3,000 per month; for customers with accounts opened for fewer than 6 months, the limit is $500 per day and $1,500 per month.
U.S. Bank
The U.S. Bank mobile check deposit limit for personal accounts varies from $500 to $2,500 per day, depending on the account relationship.
Capital One
The Capital One mobile check deposit limit varies for each customer account. According to Capital One branch banker, the typical limit is $5,000 per day.
PNC Bank
The PNC Bank mobile check deposit limits for customers with accounts opened for 30 days or longer is$2,500 per day and $5,000 per month; for customers with accounts opened for fewer than 30 days, the limit is$1,000 per day and $2,500 per month.
TD Bank
The TD Bank mobile check deposit limit for customers with accounts opened for 3 to 6 months is$1,000 per day and $2,500 per rolling 30-day period; for customers with accounts opened for 6 to 12 months, the limit is $2,500 per day and $3,500 per rolling 30-day period; for customers with accounts opened for more than 1 year, the limit is $2,500 per day and $6,000 per rolling 30-day period.
SunTrust Bank
The SunTrust Bank mobile check deposit limit for customers with accounts opened for 6 months or less is$1,000 per check and $5,000 per month; for customers with accounts opened for more than 6 months, the limit is$8,000 per month.
For SunTrust private clients, the mobile check deposit limit is $25,000 per month.
BB&T
The mobile check deposit limits for accounts opened for less than 90 days is$500 per day and $1,000 per 30-day period; for accounts opened for at least 90 days, the limit is$2,500 per day and $5,000 per 30-day period.
For BB&T wealth management clients, the mobile check deposit limit is$25,000 per month.
Online Banks For Higher Limits From The Start
Online banks don’t operate large branch or ATM networks. Therefore, online-bank customers tend to rely heavily on mobile banking and mobile check deposits to manage their accounts and deposit checks.
If limits are too low, these customers would have to worry when they receive larger checks.
Luckily, many online banks understand this concern and offer higher mobile deposit limits compared to banks that have a physical presence.
See the mobile deposit limits of some of the largest online banks:
Mobile Deposit Limits - Online Banks
| Online bank | Mobile deposit limit(s) |
|---|---|
| Capital One 360 | $5,000 or 20 checks per day or $10,000 per month |
| Ally Bank | $50,000 per day or $250,000 in a 30-day period |
| Bank of Internet | $10,000 per day or $50,000 per 30-day period |
| TIAA Direct | $30,000 per day or up to 6 checks per day |
| PayPal | $5,000 per day or $10,000 per month |
Note that many online banks will accept check deposits through the mail if you ever exceed their mobile check deposit limits.
Mobile Deposit Limits Can Always Change and Differ By Account
It is important to note the actual mobile deposit limits on your accounts can vary from the limits above.
Most banks reserve the right to change these limits for whatever reason. The factors may include account age, relationship status, activity, and account balances.
If you’ve made several attempts to deposit bad checks, your bank may decrease your mobile deposit limit and force you to visit a branch or an ATM.
In the worst-case scenario:
You might even lose your mobile deposit privileges.
Customers with several bank accounts and maintain larger balances could be eligible for higher mobile deposit limits.
If you use the feature regularly, your bank may gradually increase your personal limits.
Compare Best Accounts Now
About the author Simon Zhen
Simon Zhenis the chief research analyst for MyBankTracker and an expert on consumer banking products, bank innovations,and financial technology.Simon has contributed and/or been quoted in major publications and outlets including Consumer Reports, American Banker, Yahoo Finance, U.S. News - World Report, The Huffington Post, Business Insider, Lifehacker, and AOL.com.
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Ask a Question
disqus_hYA5Gc0Sqn
Monday, 15 Aug 2022 11:09 PM
<p>Hi there Jennifer</p>
disqus_hYA5Gc0Sqn
Monday, 15 Aug 2022 11:07 PM
<p>Hello</p>
Bubalina
Saturday, 07 May 2022 8:02 AM
<p>It’s because cheques are free and the banks charge for electronic transfers like wires / EFT /ACH etc so they have these limits to deter people from using cheques and encourage other forms of online payment processors where they can charge up to 1% of the transaction in fees</p>
disqus_es2YRLdGd8
Monday, 28 Mar 2022 7:53 PM
<p>How much in a check i xan deposit in chime moble cheking deposit</p>
Hydrahead
Wednesday, 16 Feb 2022 4:09 PM
<p>My thoughts exactly! I am trying to give them money. I might accept a daily limit just to be nice but a monthly limit of three checks?? Crazy! I have my own business and I receive a lot of check payments.</p>
packetguy
Wednesday, 28 Apr 2021 5:37 PM
<p>Wells fargo just let me deposit $6,000 using their mobile app, so despite this having a 2021 date it seems to already be out of date.</p>
imnotminkus
Saturday, 06 Mar 2021 11:29 PM
<p>There's some limit for new accounts that's lower</p>
Saturday, 13 Feb 2021 1:12 AM
<p>Is it a new account?</p>
Saturday, 19 Dec 2020 12:28 AM
<p>Good also join the online work from home and make a good paid steph</p>
jeff_swagger
Thursday, 17 Dec 2020 7:23 PM
<p>Hi Steph, I also have a citigold account at Citibank for 4 years and my mobile deposit limit is $2,000 daily and $5,000 monthly. Someone advised i should use my checking account often and i do make transfers from savings to checking and for as long as 11 months i have maintained an available balance of above $100,000 on my citigold checking account but still no increase on my mobile deposit limit has been made after several calls to the bank. can you walk me through on how to increase my daily mobile limit? please write to my email jeff8swagger@gmail.com. thank you Steph</p>
stephpach
Wednesday, 04 Nov 2020 11:04 AM
<p>Interesting. I have a citigold account at Citibank and my daily mobile limit is $25,000 and my rolling 30-day mobile deposit limit is $50,000. I never requested an increase and this may just have to do with the particular type of checking account I have at Citi.</p>
disqus_0wWRaco*kV4
Thursday, 29 Oct 2020 11:50 AM
<p>Hello James can you walk me through how you got your limits up ?my email brendashaw1511@gmail.com would be nice to hear from you</p>
Tuesday, 11 Aug 2020 10:13 PM
<p>I don't think the limits are updated. Capital One allows 50k per day for me.</p>
Sunday, 07 Jun 2020 4:32 PM
<p>My discover bank account allows up to $25,000 per day and $50,000 monthly.</p>
maria_llerena
Monday, 20 Apr 2020 7:21 PM
<p>What is the limit for both CHASE and TD Bank to deposit a check using mobile banking? (for business accounts)</p>
disqus_ear01MdogW
Wednesday, 15 Apr 2020 9:03 PM
<p>So what's the daily limit for BOA?</p>
disqus_1BXQjWGMff
Tuesday, 14 Apr 2020 12:59 AM
<p>Mobile check deposit limits???<br>Banks don't want money???<br>This is crazy! This is 21 century after all. The age of the Internet, global real time video conferencing - for free!<br>Anyone who believes in this lame explanation of "the heightened risk of check fraud" should visit, without delay, local shrink. How is it possible to use ATM and in instant have record of a account updated? Or buy/sell stocks and have instant update of account balance but somehow it is impossible for the bank to record the info of the deposited check and refuse a subsequent same check deposit?</p>
Friday, 20 Mar 2020 11:30 PM
<p>Wells Fargo just emailed me this.<br><b>"You can now make larger mobile deposits<br></b>The mobile deposit limits on your account ending in XXXX have increased. You can now make mobile deposits up to $5,000 per day with a 30-day rolling limit of $15,000."</p>
Friday, 20 Mar 2020 11:30 PM
<p>Wells Fargo just emailed me this.<br>"You can now make larger mobile deposits<br>The mobile deposit limits on your account ending in XXXX have increased. You can now make mobile deposits up to $5,000 per day with a 30-day rolling limit of $15,000."</p>
MyBankTracker
Tuesday, 04 Jun 2019 10:38 PM
<p>American Express National Bank doesn't have a mobile banking app (at least not yet). Therefore, there's no way to use a smartphone to deposit checks remotely.</p><p>Rather, checks can be mailed for deposit at this address:</p><p>American Express National Bank</p><p>P.O. Box 30384</p><p>Salt Lake City, Utah 84130</p>
Friday, 31 May 2019 6:47 PM
<p>Chase changed only recently to these limits. Last year I was able to deposit 2450 every 2 weeks via mobile app. My disability restarted after 6 months of being back at work and I went to my mobile deposit and was unable to do so today. I see your comments from 2 yrs ago, they just changed this year.</p>
Saturday, 18 May 2019 5:08 PM
<p>Thank you for your Bank mobile check deposits.. very insightful. Regarding the Amex National Bank Savings.. I receive Checks from companies , would I be able to mobile check deposit ? When is time for me to sent payments can I transfer to more than one bank account ?</p>
yatman
Friday, 30 Nov 2018 12:00 AM
<p>What's missing is the per/check limits? For example, will Wells allow a $2500 check or is that a daily limit but each check can only be a certain amount?</p>
johnschmerold
Wednesday, 18 Oct 2017 6:36 PM
<p>Capital One Spark Business has no stated limit for businesses. They do apply a 5 day hold if deposit exceeds $5k</p>
MyBankTracker
Tuesday, 17 Oct 2017 11:17 PM
<p>Note that banks may have different mobile deposit limits based on your account history and relationship with the bank. Your limits may not be the same as the limits on another person's account. Additionally, banks may (and have) changed their mobile deposit policies occasionally.</p>
Tuesday, 17 Oct 2017 4:53 PM
<p>Our company received a check worth $6 million and deposited online. It was rejected because our limit is $5 million only. Is this the law in the USA banking system?</p>
disqus_7QYfrIWUkF
Friday, 13 Oct 2017 2:07 PM
<p>It appears the author of this article did some sloppy Googling to write an article. Most of the info is outdated.</p><p>Joining the chorus, Chase info is also incorrect. I deposited almost $3000 yesterday and do so frequently.</p>
disqus_E7w0vomG32
Thursday, 05 Oct 2017 7:10 PM
<p>Your totals for Citibank are wrong as well. You are correct in the totals given for new accounts under 6 months old. But I can currently deposit $5,000 per day and $10,000 per month on a roll 30 days.</p>
jimbrown82
Monday, 02 Oct 2017 3:01 PM
<p>That's where I am too. As a business to only be able to deposit $2K/day or $5K in a rolling 30 days is asinine.</p>
disqus_CxfZtoMBIR
Tuesday, 15 Aug 2017 9:48 PM
<p>This is so dumb, I think it is hilarious that none of these comments talk about other people making deposits in your account. The Bank Secrecy Act was set up for the IRS and $10K cash limit to prevent money laundering. That seems reasonable and has always been that way, for a bank to make sure someone can't deposit $501 cash in your account is just plain dumb. Just so we're clear this is a US Bank policy not an FDIC or Bank Secrecy Act policy. I had to make a deposit in someone's account for $1500 when I found this out, all I did was go to 3 different branches, making the $500 deposit, all within a 5 mile radius.</p>
krisolschewski
Thursday, 10 Aug 2017 5:58 PM
<p>that's only if you are a Private Costumer with high deposits , I have in that bank 30K and they wont increase my daily limit of 2000K ! so no you cant deposit 10K</p>
MyBankTracker
Wednesday, 21 Jun 2017 9:16 PM
<p>Hi Jessica, thanks for the note. Called a few branches it appears that the lowest limit is $500 per day -- up to $2,500 per day. Now, it does vary by the account relationship with the bank.</p>
jessicagrayeporcelli
Friday, 16 Jun 2017 12:06 AM
<p>US Bank's mobile deposit amount you show is incorrect. It is standard at 1500.00, then you have to beg to have it increased.</p>
MyBankTracker
Thursday, 18 May 2017 2:38 PM
<p>John, thanks. We've included that information in the article.</p>
MyBankTracker
Thursday, 18 May 2017 2:36 PM
<p>U.S. Bank does not operate any branches in New Jersey or New York. The locations that show up for you in a Google search are their corporate offices.</p><p>All banks require you to be an accountholder in order to use mobile check deposit. Another option you can consider is to use a check-cashing service (e.g., Walmart), but note that you will have to pay a fee for this service.</p>
disqus_9Jzrw6FruP
Thursday, 18 May 2017 6:43 AM
<p>Hi, does anyone have US bank (U.S. Bank) and know if there are any in NJ or NY? On there website, where you can search for ATM or Branch, after entering my North Jersey zip code only a ATM 90 miles away in PA showed up. When I googled U.S. Bank with my location it shows there are several in manhattan. I do not want to take a trip to the city and it is the wrong bank. I need to deposit a check but I only have a pre paid card and there are limits to the amount you can deposit on the mobile check deposit feature. If there are any legit sites that do mobile check deposits with a limit that is not a small amount for non account holders let me know. Thanks.</p>
Tuesday, 21 Mar 2017 9:02 PM
<p>TIAA Direct has a $30,000 daily limit.</p>
aajkaal
Friday, 17 Mar 2017 4:28 PM
<p>Information needs to be updated. Wellsfargo told me today that there is $1000 limit per day no matter how old the account is.</p>
disqus_RcGetVsNHh
Wednesday, 08 Mar 2017 9:18 PM
<p>Chase allows me $10,000 per day, and $25,000 per month through the iphone app with Chase "QuickDeposit". I found your article because I was annoyed by the limit, but it looks pretty favorable (assuming you have correct info for the other banks).</p>
davincleary
Thursday, 10 Mar 2016 3:19 PM
<p>If you deposit a check by mobile check deposit during business hours the funds are available the following business day. If you make the deposit after business hours it will typically get pushed to the following business day. Standard funds availability policies are to make the first $5,000 of any deposit available the next business day and anything over $5,000 is held for an additional 5 business days. <br>Most Mobile check deposit limits are below $5,000 anyway.</p>
SimonMBT
Friday, 04 Mar 2016 6:33 PM
<p>I really wish I could provide a more accurate timing on the funds availability, but it can vary by bank (and even vary by each individual transaction) so I cannot really help you here.</p>
j_s619
Saturday, 27 Feb 2016 9:45 AM
<p>Hi Simon. A quick question, hoping you might help. I deposited a check exceeding $5k my bank did the standard $200 then gave me 2 availability dates the first being 2nd day after deposit was made which is more than half of the check amount and the remainder about 5 days. Is there a specific time or a approximate time they are released on the day of availability? Or is it at 12:01am on the date given from the bank?</p>
SimonMBT
Tuesday, 23 Feb 2016 10:55 PM
<p>Jeff, this story is on our list of articles to update. Personally, I haven't noticed any noticeable trend with the increasing of mobile deposit limits from the major banks. However, I have noticed that some online banks changed their mobile deposit limits -- Ally increased it from $50,000/day to $250,000/30 days in 2014 if I recall correctly.</p>
disqus_zfFMCrOXVw
Friday, 19 Feb 2016 12:32 AM
<p>Hi Simon, Any chance you might take an updated look at mobile deposit limits? With the growth of mobile deposit in the last 2 years, I wonder if banks are easing up on the deposit limits as they become more comfortable with it, and as more consumers are viewing it as a key feature.</p>
milwaukeeseo
Saturday, 26 Dec 2015 7:58 PM
<p>Wow. $3.00 to deposit a check from my iPhone Now with US Bank!? Merry Christmas. Anyone else hate the new mobile banking fees? It used to be $0.50 per deposit. I guess I'll go waste my time and gas and drive to the bank instead so I can waste the tellers' time. </p>
SimonMBT
Wednesday, 09 Dec 2015 4:41 PM
<p>Daniel, couldn't agree more. I've found myself wanting to deposit larger checks and often getting hit with the warning that I have to visit an ATM or branch instead.</p><p>I think banks will eventually ease up on their mobile deposit limits but given past evidence of how long banks to implement changes, it's likely to be a while before that happens.</p><p>I'd like to see banks take things such as account age, account balance and number of accounts into consideration when determining mobile deposit limits.</p>
disqus_SAqD1vx6Me
Sunday, 20 Sep 2015 1:34 PM
<p>Thanks for the post and all the replies. Mine is $10K and I've only been a BofA account holder for a year. I assume they must increase it as you use it with out issue. Does anybody know where BofA documents this? Would love a higher limit just wondering when the next possible increase might occur.</p>
tyns
Thursday, 10 Sep 2015 9:13 PM
<p>Mine is $50k (personal account). My WF business account is $5k, what a joke!</p>
ClaireMBT
Tuesday, 07 Apr 2015 1:26 AM
<p>Hi DanielH, just curious, did you close your account at Ally because of the daily and monthly deposit limits?</p><p>I'm sure many agree with you that limits on deposits are ridiculous, given that it's THEIR money. Unfortunately, Uncle Sam always has his eye on you, and the government has rules, in particular, the Bank Secrecy Act, which says banks have to report such large transactions. (It was created to prevent tax evasion and money laundering.)</p>
Tuesday, 13 Jan 2015 6:33 PM
<p>Same here. I think we are preferred customers.</p>
Wednesday, 13 Aug 2014 5:08 PM
<p>note that mobile check deposit is NOT available with the Citibank app for iPad. I downloaded the app today and could not find the functionality, so I chatted with a customer service rep named Sylvia. she indicated that their technical team is working on the functionality but they could not provide an estimate as to when it may be available. i advised her that the Citibank website should be updated as it leads you to believe the functionality IS available but she did not respond to that statement.</p>
disqus_85G8V5lbx9
Friday, 18 Jul 2014 5:55 PM
<p>I also have a $25,000 monthly limit with Bank of America</p>
SimonMBT
Monday, 30 Jun 2014 5:00 PM
<p>Thanks for letting us know! They've been cutting down their presence in the U.S. that I thought they wouldn't even be focusing on enhancing mobile banking for customers -- which is why I'm not surprised that their app is acting funky on you.</p>
boundtoappear
Tuesday, 24 Jun 2014 5:33 PM
<p>HSBC starting offering Mobile Check Deposits for personal banking customers last month or so--about time! Daily limit is $3,000, monthly is $5,000. Not a big fan of their app though, super slow.</p>
SimonMBT
Friday, 20 Jun 2014 4:24 PM
<p>You are correct, it appears PNC has updated their mobile deposit policy. The article now reflects the mobile deposits limits that apply as of 6/20/14.</p>
Friday, 13 Jun 2014 5:06 PM
<p>The Bank Of America information is incorrect as well. My BofA account has a limit of $25,000 max per month.</p>
Tuesday, 27 May 2014 6:25 PM
<p>Agreed. My PNC account has $2,500 Daily and $5,000 Monthly limit. Which I think are standard amounts. PNC does not publish these though.</p>
Sunday, 23 Mar 2014 6:23 PM
<p>My Wells Fargo has a $500 per day limit and my PNC has a $2500 per day limit. Both of my accounts conflict with what you stated.</p>
