Capital One shows your mobile deposit limit in the app rather than publishing a dollar figure. Its help center says there are daily and monthly limits, and that when you enter your check the app shows you the maximum amount you can deposit. The cutoff is 9:00 p.m. ET, and a deposit submitted on or before it is generally available by the next business day.
Capital One Mobile Deposit Limits
Capital One doesn’t publish limits by account type. Mobile deposit is available for eligible checking, savings and money market accounts in good standing, and Capital One says it’s a no-charge service. You can make as many deposits as you want, but the dollar amount is capped by the daily and monthly limits. If you need to deposit more than the limit, Capital One says to visit one of its branches or ATMs. For ATM cash access limits, see the Capital One ATM withdrawal limit guide.
Mobile Deposit Cutoff Time
| Submission Time | Result |
|---|---|
| On or before 9:00 p.m. ET on a business day | Funds generally available by the next business day |
| After 9:00 p.m. ET | Deposit appears in your transaction history in two business days instead of one |
How to Mobile Deposit a Check on Capital One
- Open the Capital One Mobile app and select your account
- Tap Deposit next to the camera icon
- Take photos of the front and back of your check — write “for Capital One mobile deposit” and sign your name on the back first
- Fill out the deposit amount and, if you like, a memo
- Slide your finger across the green button to complete the deposit
Keep the check in a safe place until the full deposit amount appears in your account’s recent transactions, then destroy it by shredding or another secure method.
Capital One Mobile Deposit Hold Times
Under Regulation CC (the federal funds availability rule), banks generally must make the first $275 of a day’s check deposits available the next business day. Capital One says funds from a deposit submitted by the cutoff are generally available by the next business day, and that it may sometimes place an extended hold and will notify you.
| Check Type | First $275 | Full Availability |
|---|---|---|
| Check deposits in general (Reg CC) | 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 | The $275 rule doesn’t apply | The schedules don’t apply for six months after the last overdraft; the bank sets the timing |
What to Do If Your Check Exceeds the Capital One Limit
Capital One says to visit one of its branches or ATMs when a check is more than the mobile limit. Capital One Cafés offer self-service banking options, including ATMs, and Ambassadors who can help you, but they don’t provide the same services as bank branches.
| Option | Details |
|---|---|
| Capital One branch | If available in your area; has its own limits and holds |
| Capital One ATM | Check deposits at Capital One ATMs; a deposit before 9 p.m. ET on a business day posts that day, with funds available according to the applicable hold times |
| Call Capital One | 1-800-655-2265 — ask about your options |
Tips for Successful Capital One Mobile Deposits
- Write “for Capital One mobile deposit” and sign the back of the check before taking the photos
- Keep the check until the deposit appears in your account, then destroy it
- Make sure the check is made out to you or a joint account holder; Capital One doesn’t accept checks payable to anyone else, checks over six months old, postdated or undated checks, checks payable to “cash,” money orders, traveler’s checks or foreign checks
- Deposits submitted after the 9 p.m. ET cutoff take an extra business day to appear
Worked Example: Depositing a $7,500 Check
Say you receive a $7,500 insurance settlement check, and the app shows a maximum below that:
- Option A — Call Capital One: Ask about your options before depositing.
- Option B — Branch or ATM: Capital One says to use one when a check is over the mobile limit. The part of a day’s deposits over $6,725 ($775 of a $7,500 check) is outside the standard Regulation CC schedule, so the bank sets how long it is held.
For transfer limits on moving funds out, see the Capital One 360 transfer limit guide.
For a full overview of Capital One accounts, ATM access, transfer limits, and contact information, see the Capital One complete guide.
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