By  Updated on Mon Jul 28, 2014

Mobile Check Deposit Limits at the Top 10 U.S. Banks

Mobile Check Deposit Limits at the Top 10 U.S. Banks

Mobile check deposit, which lets bank customers deposit checks by taking photos of them, has become one of the highly-demanded features of mobile banking — consumers are willing 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.

Customers who have to deposit checks in excess of these limits will have to resort to visiting a branch or ATM.

See what the mobile check deposit limits are for the top 10 U.S. banks:

Bank of America

  • Customers with accounts opened for fewer than 3 months: $1,000 per month
  • Customers with accounts opened for 3 months or longer: $5,000 per month
  • Customers with Platinum Privileges: $10,000 per month

Wells Fargo

  • All customers: $2,500 per day and $5,000 over a 30-day period

Chase

  • All customers: $2,000 per day and $5,000 over a 30-day period

Citibank

  • Customers with accounts opened for fewer than 6 months: $500 per day and $1,500 per month
  • Customers with accounts opened for 6 months or longer: $1,000 per day and $3,000 per month

U.S. Bank

  • Personal accounts: $2,500 per day and $5,000 every five (5) business days

Capital One

  • 360 Checking customers only: $3,000 per check, $5,000 or 20 checks per day

PNC Bank

  • Customers with accounts opened for fewer than 90 days: $500 per day and $1,000 per month
  • Customers with accounts opened for 90 days or longer: $2,500 per day and $5,000 per month

TD Bank

  • Customers with accounts for 3 to 6 months: $1,000 per day and $2,500 per 30-day period
  • Customers with accounts for 6 to 12 months: $2,500 per day and $3,500 per 30-day period
  • Customers with accounts for more than 1 year: $2,500 per day and $6,000 per 30-day period

SunTrust

  • Customers with accounts opened for 6 months or less: $1,000 per check and $3,000 per month
  • Customers with accounts opened for more than 6 months: $2,000 per check and $6,000 per month
  • Private clients: $5,000 per check and $15,000 per month

BB&T

  • Retail customers: $1,000 per day and $3,000 per 30-day period

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The Time It Takes for a Check to Clear at Top 10 Banks

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Post a Comment

  • AT

    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.

    • Chumley

      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.

      • http://www.mybanktracker.com Simon Zhen

        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.

  • Bob

    The Bank Of America information is incorrect as well. My BofA account has a limit of $25,000 max per month.

    • Kristen

      I also have a $25,000 monthly limit with Bank of America

  • smith

    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.

    • http://www.mybanktracker.com Simon Zhen

      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.

  • grace

    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.