Ally Bank Check Depsoit
Ally Bank 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 top 10 banks

National BanksLimits

Bank of America


  • Customers with accounts opened for
    fewer than 3 months: $2,500 per month

  • Customers with accounts opened for
    3 months or longer: $10,000 per month

  • Customers in the Preferred Rewards
    program for the first 3 months: $25,000 per month

  • Customers in the Preferred Rewards
    program for more than 3 months: $50,000 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: Varies from $500 to $2,500 per day, depending on account relationship

Capital One


  • Limits vary for each customer account:
    Typically $5,000 per day (according to Capital One banker)

PNC Bank


  • Customers with accounts opened for
    less than 30 days: $1,000 per day and $2,500 per month

  • Customers with accounts opened for
    30 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: $8,000 per month

  • Private clients: $25,000 per month

BB&T


  • Checking accounts open for less
    than 90 days: $500 per day and $1,000 per 30-day period

  • Checking accounts open for at
    least 90 days: $2,500 per day and $5,000 per 30-day period

  • Wealth clients: $10,000 per day and $30,000 per 30-day period

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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