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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


  • 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

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


  • 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.

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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.

      • 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

    • 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.

    • 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.

  • 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.

      • ClaireMBT

        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.

    • Simon Zhen

      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.

    • Simon Zhen

      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?

    • Simon Zhen

      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.

  • yang

    Inaccurate. This article should either be updated or removed.

    My BB&T account allows $2500/day and $5000/month.

    My PNC account allows $5000/day.

    I came here to get accurate information on other banks because of how long the *deposit hold* is with BB&T, but I guess I’ll have to look elsehwere.

  • Eric

    Chase allows me $10,000 per day, and $25,000 per month through the iphone app with Chase “QuickDeposit”. I found your article because I was annoyed by the limit, but it looks pretty favorable (assuming you have correct info for the other banks).

  • aajkaal

    Information needs to be updated. Wellsfargo told me today that there is $1000 limit per day no matter how old the account is.

  • John

    TIAA Direct has a $30,000 daily limit.

  • DJC

    Hi, does anyone have US bank (U.S. Bank) and know if there are any in NJ or NY? On there website, where you can search for ATM or Branch, after entering my North Jersey zip code only a ATM 90 miles away in PA showed up. When I googled U.S. Bank with my location it shows there are several in manhattan. I do not want to take a trip to the city and it is the wrong bank. I need to deposit a check but I only have a pre paid card and there are limits to the amount you can deposit on the mobile check deposit feature. If there are any legit sites that do mobile check deposits with a limit that is not a small amount for non account holders let me know. Thanks.

    • U.S. Bank does not operate any branches in New Jersey or New York. The locations that show up for you in a Google search are their corporate offices.

      All banks require you to be an accountholder in order to use mobile check deposit. Another option you can consider is to use a check-cashing service (e.g., Walmart), but note that you will have to pay a fee for this service.