Bank of America shows your mobile check deposit limit in the app rather than publishing a dollar figure. The bank says there is a monthly limit, displayed when you select your deposit account, and that you can’t deposit another check in the app after you reach it until the next month. Unless a hold is placed, a deposit made before the cutoff on a business day is generally available the next business day. For a larger check, your options are a financial center, an ATM, or asking the bank about your limit.
For a full overview of Bank of America accounts, fees, and limits, see the Bank of America guide.
Bank of America Mobile Deposit Limit
Bank of America does not publish daily or monthly dollar limits for mobile check deposit. Its page says there is a monthly limit and that it’s displayed when you select your deposit account. See how this compares to other banks at mobile check deposit limits by bank.
Bank of America says BofA Rewards members (formerly Preferred Rewards) automatically qualify for higher monthly limits on mobile check deposits, but it doesn’t publish the amounts by tier. Ask the bank what applies to you.
Cutoff Times and Posting Schedule
Bank of America says deposits made on a day that isn’t a business day (Saturdays, Sundays and holidays), or after the cutoff time on a business day, are processed on the next business day and generally available on the business day after that. Check the app for the cutoff that applies to your deposit, and submit well before it. See the bank holiday schedule for 2026 dates.
How to Mobile Deposit a Check on Bank of America
- Open the Bank of America app and sign in
- Select Deposit Checks
- Take a picture of the front and back of your endorsed check
- Select the account to receive the deposit and enter the amount
- Tap Submit; you’ll receive a confirmation that your deposit is processing
Bank of America says to have good lighting, lay the check flat on a dark background, make sure all four corners are visible, and detach the check from any stub or cover letter. There is no additional fee for mobile check deposit, though your wireless carrier may charge for data. 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.
Hold Times by Check Type
Bank of America’s hold policy follows Regulation CC. The rule sets the latest a bank may take, and a bank may release funds sooner.
| Check Type | First $275 | Full Availability |
|---|---|---|
| Check deposits in general (Reg CC floor) | Next business day | Per below |
| Other checks (there are no longer any nonlocal 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 (six months after the last overdraft) | The $275 rule doesn’t apply | The Reg CC schedules don’t apply; the bank sets the timing |
The $275 next-business-day floor is a federal minimum for ordinary check deposits, but it doesn’t apply to new accounts, repeatedly overdrawn accounts, or the part of a day’s deposits over $6,725. Bank of America’s own page says a mobile deposit is generally available the next business day unless a hold is placed; its Deposit Holds FAQ explains how holds are applied.
If you need funds faster than the hold allows, when does direct deposit hit explains how electronic deposits (ACH and direct deposit) are handled.
What to Do When Your Check Exceeds the Mobile Limit
If your check is larger than your limit, you have a few routes.
| Option | Details | Availability |
|---|---|---|
| Financial center deposit | Has its own limits and holds, separate from the mobile limit | Same Reg CC schedule as other checks |
| BofA ATM deposit | Has its own limits and holds | Same Reg CC schedule at the bank’s own ATMs |
| Ask the bank about your limit | Call the number on your card | Depends on the bank |
For the fastest path to a live agent and tips on what to say, see the Bank of America customer service guide.
An ordinary $20,000 personal check is treated the same way at a teller as by mobile: $275 is available the next business day, and the amount above $6,725 can be held longer. Check Bank of America branch hours before heading out, since hours vary by location. Don’t split one check into several deposits; ask the bank how to handle it. For the full comparison of mobile deposit limits across all major banks, see mobile check deposit limits by bank.
Common Reasons Bank of America Rejects Mobile Deposits
Understanding the rejection reasons prevents repeat failures — the app does not always give a detailed explanation.
- Poor image quality — Blurry photos, shadows, or glare on the check; retake in flat, even lighting on a dark background
- Missing endorsement — Bank of America asks for a picture of your endorsed check
- Check type not accepted — U.S. savings bonds, checks from foreign banks, money orders, traveler’s checks, third-party checks and checks not payable in U.S. dollars must be deposited at a financial center
- Oversized or undersized check — Bank of America says rebate-style checks may not be accepted
- Duplicate deposit — The check was already deposited at this bank or another bank; both may hold or reverse
For a full breakdown of why mobile deposits fail and how to fix each case, see why was my mobile deposit rejected.
For a full overview of Bank of America accounts, fees, and limits — including the checking account fee structure and transfer limits — see the Bank of America complete guide.
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