What Are Mobile Check Deposit Limits at the Top U.S. Banks?
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, you will have to visit a branch or ATM. These limits may also affect your decision to pick the best checking account for you.
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Mobile Check Deposit Limits at the Top U.S. Banks
Bank of America
The Bank of America mobile check deposit limit is $10,000 per month for accounts opened for three months or longer; for accounts opened for fewer than three months, the limit is $2,500 per month.
For customers in the Bank of America Preferred Rewards program for more than three months, the monthly mobile check deposit limit is $50,000. For accounts in the program for fewer than three 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 30 days.
Wells Fargo
The Wells Fargo mobile check deposit limit for all customers is $2,500 per day and $5,000 over 30 days.
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 bankers, the typical limit is $5,000 per day.
PNC Bank
The PNC Bank mobile check deposit limit 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.
Online Banks For Higher Limits From The Start
Online banks don’t operate large branches 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 the largest online banks:
Mobile Deposit Limits - Online Banks
| Online bank | Mobile 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 |
| PayPal | $5,000 per day or $10,000 per month |
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 with several bank accounts maintaining larger balances could be eligible for higher mobile deposit limits.
If you use the feature regularly, your bank may gradually increase your limits.
