Navy Federal doesn’t publish a mobile deposit limit that we could confirm, so check the limit shown in the Navy Federal mobile app. Hold times for check deposits follow Regulation CC.
Navy Federal Mobile Deposit Limits and Cutoff
We couldn’t confirm a daily or monthly dollar limit on Navy Federal’s own pages, so this page doesn’t list one. Check the Navy Federal mobile app or ask the bank. Cutoff time: not published here; check the Navy Federal mobile app. A deposit made after the cutoff or on a non-business day is treated as made on the next business day.
Funds Availability After a Navy Federal Mobile Deposit
Regulation CC sets the latest a bank may take to make check deposits available. A bank may release funds sooner.
| Check Type | First $275 | Full Availability |
|---|---|---|
| Check deposits in general | 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 |
How to Make a Navy Federal Mobile Deposit
- Open the Navy Federal mobile app and find the deposit section
- Endorse the check as the app instructs; banks set their own endorsement wording
- Photograph the front and back on a dark, flat surface with all four corners visible
- Enter the amount exactly as written on the check
- Submit before the cutoff shown in the app
- 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
If Your Check Is Over the Limit
Ask the bank about your options, or deposit the check at a branch or ATM, which have their own limits and holds. A single check can’t be split into smaller deposits.
- Navy Federal transfer limits 2026 — ACH, Zelle, and wire limits
- Navy Federal ATM limits 2026 — daily cash withdrawal limits by account
- Navy Federal fees 2026 — no monthly fees, $14 wire cost
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