What Are Mobile Check Deposit Limits at the Top U.S. Banks?
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
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.
The Chase mobile check deposit limit for all customers is $2,000 per day and $5,000 over a 30-day period.
The Wells Fargo mobile check deposit limit for all customers is $2,500 per day and $5,000 over a 30-day period.
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.
The U.S. Bank mobile check deposit limit for personal accounts varies from $500 to $2,500 per day, depending on the account relationship.
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.
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.
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.
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.
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
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 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 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:
Simon Zhen is the senior research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations, and financial technology.
Simon has contributed and/or been quoted in major publications and outlets including Consumer Reports, American Banker, Yahoo Finance, U.S. News – World Report, The Huffington Post, Business Insider, Lifehacker, and AOL.com.