Ally Bank’s mobile deposit limit is $50,000 per day — the highest standard limit among major online banks. There is no monthly cap; the limit resets each calendar day. The mobile deposit cutoff is 11:00 PM ET, and the first $300 of each deposit is typically available the next business day. For a full overview of Ally’s accounts, rates, and limits, see the Ally Bank guide.
Ally Bank Mobile Deposit Limits at a Glance
| Limit | Amount |
|---|---|
| Daily mobile deposit limit | $50,000 |
| Monthly mobile deposit limit | No stated cap |
| Minimum check amount | $1 |
| Deposit cutoff time | 11:00 PM ET (business days) |
| First $300 availability | Next business day |
| Full deposit availability | 2–5 business days (varies) |
| Cash deposits | Not accepted |
How to Deposit a Check with Ally Bank
- Open the Ally mobile app on iOS or Android
- Tap Deposit from the home screen
- Select the account you want to deposit into (Checking, Savings, or Money Market)
- Enter the exact check amount
- Sign the back of the check and write “For Ally Mobile Deposit Only” below your signature — this endorsement is required
- Take a photo of the front of the check — ensure all four corners are visible on a flat, contrasting surface
- Take a photo of the back of the check (endorsed side)
- Review the details and tap Submit
- Keep the physical check for at least 5 business days after receiving confirmation, then destroy it
When Will My Deposit Be Available?
| Deposit Scenario | Availability |
|---|---|
| First $300 of any check | Next business day |
| Checks under $225 (established accounts) | Next business day (full amount) |
| Checks $225–$50,000 | 2–5 business days (remainder after $300) |
| Deposits after 11 PM ET cutoff | Processed next business day |
| Checks from new customers | May hold up to 7 business days |
| Government and cashier’s checks | Often faster — next business day in full |
Example: You deposit a $5,000 personal check at 9 PM ET on Monday. The first $300 is available Tuesday morning. The remaining $4,700 clears by Thursday or Friday (2–3 business days), depending on the issuing bank.
How Ally’s Mobile Deposit Limit Compares
| Bank | Daily Mobile Deposit Limit | Monthly Limit |
|---|---|---|
| Ally | $50,000 | None stated |
| Bank of America | $10,000 | Varies |
| Capital One | $10,000 | $25,000 |
| Chase | $2,000 (standard) | $5,000–$10,000 |
| Wells Fargo | $2,500 (standard) | $5,000 |
| TD Bank | $2,500 | $7,500 |
| Truist | $2,500 | Varies |
Ally’s $50,000 daily limit is 5× Bank of America’s limit and 25× Chase’s standard limit. For small business owners, freelancers, landlords, or anyone who regularly deposits large checks, Ally’s mobile deposit capability is a significant practical advantage.
Depositing Amounts Over $50,000
If you need to move more than $50,000 in a day:
- Request a temporary increase: Call 1-877-247-2559. Ally may approve a higher one-time limit for established customers with strong account history.
- Split across days: If timing allows, deposit $50,000 today and the remainder tomorrow.
- ACH transfer instead: If the payer can initiate an ACH, Ally accepts incoming ACH transfers up to $150,000/day — no mobile deposit involved.
- Wire transfer: Incoming domestic wires have no limit and are free to receive.
Cash Deposits: Not Available at Ally
Ally Bank cannot accept cash deposits — there are no branch tellers and no cash-accepting ATMs in the Allpoint network. Options for customers who receive cash:
- Deposit cash at a second bank or credit union and ACH transfer to Ally (1–3 business days)
- Purchase a money order and mobile deposit the money order into Ally
- Use a prepaid card with cash reload capability, then link it for ACH transfer (fees may apply)
Many Ally customers keep a basic account at a local credit union for cash handling and use Ally as their primary savings and interest-bearing checking account.
For more on Ally’s limits and features, see the Ally Bank transfer limit guide (ACH, Zelle, and wire caps), Ally Bank ATM limit ($1,000/day, 43,000+ free ATMs), or the full Ally Bank guide covering all accounts and rates.
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