Can I increase my mobile deposit limit?

Yes. The fastest way is to call your bank and request a temporary or permanent increase — banks decide case by case. Some banks also raise limits as an account builds history, and Bank of America says BofA Rewards members automatically qualify for higher monthly limits, but banks don't publish the timing or amounts.

How do I ask my bank for a higher mobile deposit limit?

Call the number on the back of your debit card and say you'd like to request a mobile deposit limit increase. Be specific: name the amount and reason — for example, 'I have a $7,500 check from selling my car.' Banks are far more likely to approve an increase when you can explain exactly what check you're depositing. Ask whether the increase is temporary or permanent and when it takes effect.

What factors determine my mobile deposit limit?

Mobile deposit limits are set by the bank based on: account age (how long you've had the account), average daily balance, overdraft history, number of returned deposits, and overall relationship value with the bank. New accounts tend to have lower limits — U.S. Bank, for example, says limits could be as low as $50 in the first 90 days and will likely increase afterward.

How long does it take to get a mobile deposit limit increase?

Banks don't publish how long an increase takes. Ask when you call whether the increase is temporary or permanent and when it takes effect, then check the limit shown in the app.

What can I do if my mobile deposit limit is too low for a large check?

Four options: (1) Call and request a temporary increase for the specific check. (2) Visit a bank branch or ATM — Capital One, for example, says to do this when a check is more than the mobile limit; these channels have their own limits and holds. (3) Ask the payer to send a wire transfer or other electronic payment instead of a check. (4) Consider a bank that publishes a high limit, such as Ally ($50,000 per day), if you regularly receive large checks.

Which banks have the highest mobile deposit limits?

Ally Bank publishes a limit of $50,000 per day and $250,000 per 30 days. Chase, Bank of America, Wells Fargo and Capital One don't publish dollar limits; they show yours in the app.

How to Increase Mobile Deposit Limit: Call Your Bank (2026)

The most direct way to increase your mobile deposit limit is to call your bank and ask for a temporary increase for a specific check, explaining the amount and reason. For longer-term solutions, a premium checking tier, a clean account history, or a bank that publishes a higher limit are options. The key is knowing which option fits your timeline and how often you need higher limits.

Method 1: Call Your Bank and Request an Increase

Calling your bank is the most direct option. Whether it approves an increase while you’re on the phone is up to the bank and your account standing.

Bank	Phone Number	What to Request
Chase	1-800-935-9935 (Personal Banking Customer Service)	“Temporary mobile deposit limit increase for a specific check”
Bank of America	Number on the back of your card, or the contact page at bankofamerica.com	“Mobile deposit limit increase — I have a check larger than my current limit”
Wells Fargo	1-800-869-3557	“Temporary or permanent mobile deposit limit increase”
Capital One	1-877-383-4802	“Mobile deposit limit increase”
Citibank	Number on the back of your card, or the contact page at citi.com	“Mobile deposit limit increase”

When you call, be specific: name the exact check amount and who it’s from. “I have a $7,500 check from selling my car and my mobile limit is $5,000” is far more actionable than a general request. A specific request gives the bank what it needs to decide. Also ask whether the increase is temporary (for this one check) or permanent — and if temporary, how long it lasts and when it takes effect.

If you’re approved for a temporary increase, ask how long it lasts and deposit the check before it expires.

Method 2: Upgrade Your Checking Account

Some relationship programs come with higher mobile deposit limits — Bank of America says BofA Rewards members automatically qualify for higher monthly limits on mobile check deposits. Banks show your limit in the app and don’t publish a limit for each tier, so ask the bank what a tier would change for you before moving.

Premium accounts typically require a minimum balance or other relationship criteria to waive the monthly fee. For a full comparison of account costs, see monthly maintenance fees by bank.

Method 3: Build Account History

Some banks raise limits on their own as an account builds history, but none of the banks we checked publish a schedule. U.S. Bank, for example, says new-account limits could be as low as $50 in the first 90 days and will likely increase afterward.

What can work against you:

Overdraft history
Low or irregular account balances
History of returned deposits (checks that bounced)

If you’ve had overdraft issues, a period of clean history before you ask for an increase can help your case.

Method 4: Switch to an Online Bank

Some online banks publish their mobile deposit limits, while many traditional banks show them only in the app.

Bank	Daily Mobile Deposit Limit	30-Day Limit
Ally Bank	$50,000	$250,000

Confirm current limits directly with the bank, since they change periodically.

If you regularly receive large checks — from freelance clients, rental income, business payments, or investment distributions — a bank that publishes a high limit, such as Ally, takes away the guesswork. For a full review of Ally’s features, see Ally Bank review. For a broader comparison of top options, see best free checking accounts.

For a bank-by-bank breakdown of all mobile deposit limits including standard and premium tiers, see mobile check deposit limits by bank.

Method 5: Use an ATM Instead

If your mobile limit isn’t raised in time for a specific check, your bank’s ATMs may accept the check. ATM deposits have their own limits and holds, separate from the mobile limit.

Under Regulation CC, the first $275 of a day’s check deposits is due the next business day, and a deposit at another bank’s ATM (a nonproprietary ATM) can be held until the fifth business day. For details on how hold times work, see mobile deposit hold times.

What to Do for a Very Large Check (Over $10,000)

For checks over $10,000 — real estate closings, lawsuit settlements, inheritance, business payments — your mobile or ATM deposit limit may not cover it. Your options:

Visit a bank branch in person — ask the bank how it will handle the deposit and how long it will hold the part above $6,725. Bring a government-issued ID. Large deposits ($10,000+) trigger Currency Transaction Report (CTR) filing requirements, which the bank handles automatically — it’s not a problem for legitimate funds, just a regulatory requirement.
Ask the payer to send a wire transfer instead — a wire bypasses mobile deposit and the check-hold schedule. The sender’s bank usually charges an outgoing wire fee; see bank wire transfer fees and wire transfer time for details.
Ask the payer to split into two checks — if the payer can issue two separate checks across two business days, mobile deposit limits are easier to work within. Not always practical, but sometimes the simplest solution.
Use a cashier’s check or official bank check — a cashier’s check deposited in person to a bank employee must be available by the next business day under Regulation CC. Call your bank first to confirm how it handles cashier’s checks before attempting the deposit.

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy