Bank of America’s mobile deposit is available 24/7 through the BofA app. Here are the exact limits and hold rules for 2026.
Bank of America Mobile Deposit Limits
| Account Type | Daily Limit | Monthly Limit |
|---|---|---|
| Core Checking (standard) | $5,000 | $10,000 |
| Advantage Plus Banking | $5,000 | $10,000 |
| Advantage Relationship Banking | $5,000–$10,000 | $25,000 |
| New accounts (< 90 days) | $2,500 | $5,000 |
| Preferred Rewards Platinum Honors | Higher (custom) | Higher |
Mobile Deposit Cutoff and Posting Schedule
| Submission Time | Posted To Account |
|---|---|
| Before 8:00 PM local time (business day) | Same business day |
| After 8:00 PM or on Saturday | Next business day |
| On Sunday or federal holidays | Two business days later |
How to Mobile Deposit a Check on Bank of America
- Open the Bank of America app
- Tap Deposit → Deposit a Check
- Select your account
- Enter the check amount
- Sign the back of the check and write “For Mobile Deposit Only at BofA”
- Take a clear photo of the front and back
- Review and confirm
Bank of America Mobile Deposit Hold Times
| Check Type | $225 Available | Full Availability |
|---|---|---|
| All checks | Same business day | Per below |
| BofA checks (same bank) | Same day | 1 business day |
| Other bank checks | Same day | 2 business days |
| Checks over $5,525 | $5,300 available days 1–2 | Remaining held ~5 days |
| New account (< 30 days) | $225 same day | Up to 9 business days |
Bank of America Preferred Rewards: Higher Limits
Preferred Rewards members with high balances get premium mobile deposit treatment:
| Preferred Rewards Tier | Avg. 3-Month Balance | Mobile Deposit Benefit |
|---|---|---|
| Gold | $20,000–$49,999 | Standard |
| Platinum | $50,000–$99,999 | Higher limits |
| Platinum Honors | $100,000–$999,999 | Highest limits |
| Diamond | $1,000,000+ | Premium |
What to Do When Your Check Exceeds the BofA Mobile Limit
| Option | Details |
|---|---|
| Branch teller visit | No dollar cap; first $5,300 available within 2 days |
| BofA ATM deposit | Accepts checks; similar to teller processing |
| Call BofA | Request a temporary limit increase for the specific check |
Bank of America branch deposits for established customers have faster availability than mobile for large amounts — a $20,000 check at a teller will have $5,300 available within the first two business days.
Common Reasons Bank of America Rejects Mobile Deposits
- Image quality too poor (blurry, bright glare on check)
- Missing endorsement or “For Mobile Deposit Only” on back
- Stale check (over 6 months old)
- Check amount doesn’t match what you entered
- Check is postdated (dated in the future)
- You’ve already deposited this check elsewhere