Mobile Deposit Limits by Bank and How Fast Funds Become Available (2026)

Mobile deposit limits in 2026 differ by bank, and many banks show your own limit only in their app. Ally publishes a limit of $50,000 per day.

Many people find the mobile deposit limit at their own bank or credit union enough for everyday checks. The differences matter most if you regularly deposit large checks or need funds available as quickly as possible.

Discover status: Discover merged into Capital One on May 18, 2025, and Discover’s bank accounts (including checking, savings, and by extension its mobile deposit program) are becoming Capital One accounts, such as 360 Checking and 360 Performance Savings. Capital One says Discover bank accounts will become Capital One accounts, and customers should keep using them as usual until Capital One says each one is ready to move. Confirm current terms at capitalone.com rather than treating Discover as an independently operating bank. This note is about Discover’s bank accounts; Capital One says Discover credit card holders still earn their card rewards.

Mobile Deposit Comparison: Major Banks

Banks revise mobile deposit limits from time to time, so confirm the current limit with the bank (app, site, or phone) before relying on it for a specific deposit. Cutoff times vary by bank; Wells Fargo’s mobile app, for example, uses 9 p.m. Pacific.

Best for High Limits: Ally Bank

Ally Bank publishes a $50,000 daily limit and a $250,000 limit per 30 days. Chase, Bank of America, Wells Fargo and Capital One don’t publish dollar figures, so there is nothing to compare them with.

Availability and Cutoff Times

Regulation CC sets the latest time a bank may take to make funds available: the first $275 of a day’s check deposits by the next business day, other checks by the second business day. A bank may release funds sooner. Cutoff times vary by bank, and a deposit made after the cutoff is credited the next business day.

Discover status: Discover’s online banking pages now point to Capital One’s checking, savings and CD accounts. For mobile deposit terms, check Capital One rather than treating Discover as an independently operating bank.

Best for New Account Holders: Government and Cashier’s Checks

During the first 30 days of a new account, the $275 rule and the standard schedule don’t apply, so holds can be longer. A Treasury check deposited to the payee’s account, or a cashier’s, certified or teller’s check deposited in person to a bank employee, must be available by the next business day, but a new account carries its own exceptions for the amount over $6,725 on certain checks. Ask your bank which applies before you rely on it.

How to Get Your Limit Increased

Banks set their own mobile deposit limits and show yours in the app or account disclosures. If a check is over your limit, contact customer service and ask about a one-time or permanent increase. Bank of America says BofA Rewards members automatically qualify for higher monthly limits on mobile check deposits.

Credit Unions

Credit unions set their own mobile deposit limits, and the same funds-availability rules apply to their share draft (checking) accounts. Check your credit union’s app or website for current limits.

What to Do If Your Limit Is Too Low

If a check exceeds your mobile deposit limit:

1. Deposit in person at a branch or ATM — Capital One, for example, says to visit a branch or ATM when a check is more than the mobile limit; these channels have their own limits and holds
2. Request a temporary limit increase — explain the situation to customer service

See also: What is mobile deposit? | When are mobile deposit funds available? | How to increase your mobile deposit limit

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.