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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, as MyBankTracker discovered, 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

Related Stories:

Mobile Check Deposit Takes Over the Top 10 Banks

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

Chase Tests Quick Checkout Option for Online, Mobile Shopping

Ask a Question

  • 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.

      • 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

    • Ed

      Same here. I think we are preferred customers.

    • Tyns

      Mine is $50k (personal account). My WF business account is $5k, what a joke!

    • Tom Heck

      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.

  • 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.

    • 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.

  • waltersabo

    This is the work of assholes. There should be no limits on deposits. These banks are all run by criminals who have been called before Congress to explain their crooked mortgage activities. I have a WF account, I’m sitting in Ohio where there is ONE branch.. ONE BRANCH in the whole state. There should be no limits on deposits. It’s a jerkoff.

    • DanielH

      I completely agree. I’m a Citigold customer and both branches near me closed within 6 months of each other and the closest branch is now over 30 min away. I switched to Ally bank and shocking!…the limit there is $50,000 daily and $250k monthly. So, I don’t want to hear these limits will just have to be acceptable. Accounts closed.

      • Hi DanielH, just curious, did you close your account at Ally because of the daily and monthly deposit limits?

        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.)

  • Daniel Grilley

    Really should increase the limit on accounts that are 10+ years old. I mean after owning account for 10 years with a bank who is suddenly going to commit check fraud. I understand limits on new accounts, but banks should put a little trust in their long time customers before they lose them.

    • 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.

      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.

      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.

  • Milwaukee SEO Company

    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.

  • Jeff V

    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.

    • 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.

  • J_dub619

    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?

    • 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.

    • ClownPenis.fart

      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.
      Most Mobile check deposit limits are below $5,000 anyway.