Mobile check deposit lets you deposit checks from your phone in seconds — no branch visit required. But limits, hold times, and rejection rules vary widely by bank. Here’s everything you need to know to deposit checks smoothly.
Mobile Deposit Limits by Bank (2026)
| Bank | Standard Daily Limit | Monthly Limit | New Account Limit |
|---|---|---|---|
| Chase | Shown in the app when you start a deposit | Shown in the app | Shown in the app |
| Bank of America | Not published | Monthly limit shown in the app | Not published |
| Wells Fargo | Remaining daily limit shown in the app | Remaining 30-day limit shown in the app | Not published |
| Capital One | Shown in the app | Shown in the app | Not published |
| U.S. Bank | Shown in the app (daily and weekly limits) | Not published | As low as $50 in the first 90 days |
| Ally Bank | $50,000 | $250,000/30 days | Not stated by Ally |
Banks revise mobile deposit limits from time to time. Confirm the current limit in your bank’s app or by phone before relying on it for a specific large deposit.
How Regulation CC Governs Mobile Deposit Holds
Regulation CC is the federal rule that sets minimum funds availability requirements for all US banks:
- Next business day: The first $275 of a day’s check deposits, and Treasury checks deposited to the payee’s account. Cashier’s, certified and teller’s checks get next-business-day availability when deposited in person to a bank employee, and the second business day otherwise
- 2nd business day: Other checks (the Federal Reserve notes there are no longer any nonlocal checks)
- Bank sets the timing: New accounts in their first 30 days, repeatedly overdrawn accounts (for six months after the last overdraft), the part of a day’s deposits over $6,725, checks the bank has reasonable cause to doubt, and redeposited returned checks. For a new account, the amount over $6,725 on Treasury, cashier’s and certain other checks must still be available by the 9th business day
Key detail: Cutoff times vary by bank (Wells Fargo’s mobile app, for example, uses 9 p.m. Pacific). A deposit made after your bank’s cutoff is credited the next business day, pushing all availability dates out by a day.
Why Mobile Deposit Limits Are Lower for New Accounts
A newly opened account can start with a low limit. U.S. Bank, for example, says limits could be as low as $50 in the first 90 days and will likely increase afterward. You can also ask your bank about a higher limit by calling customer service.
Mobile Deposit Articles in This Cluster
Mobile Check Deposit Limits by Bank — 2026 Full Table
What Ally publishes, what Chase, Bank of America, Wells Fargo and Capital One show in their apps, and the Regulation CC hold rules.
How to Increase Your Mobile Deposit Limit
Call your bank, ask about a premium tier, or give the account time — steps for raising your limit.
Mobile Deposit Hold Times — Regulation CC Explained
Why banks hold mobile deposits, how long holds last by check type, and how to get funds released faster.
Why Was My Mobile Deposit Rejected?
The 12 most common rejection reasons and exactly how to fix each one before re-depositing.
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