American Express doesn’t publish a mobile deposit limit that we could confirm, so check the limit shown in the American Express app. Hold times for check deposits follow Regulation CC.
American Express Mobile Deposit Limits and Cutoff
We couldn’t confirm a daily or monthly dollar limit on American Express’s own pages, so this page doesn’t list one. Check the American Express app or ask the bank. Cutoff time: not published here; check the American Express app. A deposit made after the cutoff or on a non-business day is treated as made on the next business day.
Funds Availability After a American Express Mobile Deposit
Regulation CC sets the latest a bank may take to make check deposits available. A bank may release funds sooner.
| Check Type | First $275 | Full Availability |
|---|---|---|
| Check deposits in general | Next business day | Per below |
| Other checks | Next business day | By the 2nd business day |
| Part of a day’s deposits over $6,725 | Not covered by the $275 floor | The Reg CC schedules don’t apply; the bank sets the timing |
| New account (first 30 calendar days) | The $275 rule doesn’t apply | For Treasury, cashier’s and certain other checks, the amount over $6,725 by the 9th business day; other checks aren’t on the standard schedule |
| Repeatedly overdrawn account | The $275 rule doesn’t apply | The schedules don’t apply for six months after the last overdraft; the bank sets the timing |
How to Make a American Express Mobile Deposit
- Open the American Express app and find the deposit section
- Endorse the check as the app instructs; banks set their own endorsement wording
- Photograph the front and back on a dark, flat surface with all four corners visible
- Enter the amount exactly as written on the check
- Submit before the cutoff shown in the app
- Keep the physical check until the deposit has posted, and for as long as the bank’s mobile deposit terms say, before you destroy it
If Your Check Is Over the Limit
Ask the bank about your options, or deposit the check at a branch or ATM, which have their own limits and holds. A single check can’t be split into smaller deposits.
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