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

Simon Zhen

By , Staff Writer
Posted on Wed Mar 19, 2014, Last Updated on Mon Jul 28, 2014

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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.