What Are Mobile Check Deposit Limits at the Top U.S. Banks?

Mobile Check Deposit
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.

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

Bank of America

The Bank of America mobile check deposit limit are$10,000 per month for accounts opened for 3 months or longer; for accounts opened for fewer than 3 months, the limit is $2,500 per month.

For customers in the Bank of America Preferred Rewards program for more than 3 months, the mobile check deposit limit is $50,000 per month. For accounts in the program for fewer than 3 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 BB&T 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 largest online banks:

Online bankMobile 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

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 who have several accounts with the bank and maintain larger balances could be eligible for higher mobile deposit limits.

If you are using the feature regularly, your bank may increase your personal limits gradually.

Deposit your large checks using a phone with these top online banks:

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