Wells Fargo shows your mobile deposit limit in the app rather than publishing a figure by account. Here is what Wells Fargo says and how the federal hold rules apply.
Wells Fargo Mobile Deposit Limits
When you enter the check amount in the Wells Fargo Mobile app, your account’s remaining daily and 30-day mobile deposit limit displays on the screen. Wells Fargo says deposit limits and other restrictions apply and that some accounts aren’t eligible for mobile deposit. It doesn’t publish a limit for each account type.
Mobile Deposit Cutoff Time
| Submission Time | Credited To Account |
|---|---|
| Before 9 p.m. Pacific on a business day | Generally the same business day |
| After 9 p.m. Pacific, or on a non-business day | The next business day |
Business days are Monday through Friday, except federal holidays.
How to Mobile Deposit a Check on Wells Fargo
- Open the Wells Fargo Mobile app
- Tap Deposit Checks
- Select your account
- Enter the check amount; your remaining daily and 30-day limit also displays
- Sign the back and write “For Mobile Deposit at Wells Fargo Only” below your signature (or check the box that reads “Check here if mobile deposit,” if available)
- Take front and back photos of your endorsed check, with all four corners inside the guides
- Review and confirm
Wells Fargo’s page says to keep the check secure for 5 days before tearing it up.
Wells Fargo Mobile Deposit Hold Times
Wells Fargo’s general policy is to make deposited funds available on the first business day after it receives the deposit, and it can place a hold of up to 7 business days. Hold times also follow Regulation CC, which sets the latest a bank may take.
| 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 |
Alternatives to Mobile Deposit for Large Checks at Wells Fargo
| Method | Limit | Speed |
|---|---|---|
| Branch teller | Has its own limits and holds | Same Reg CC schedule as other checks |
| Wells Fargo ATM | Has its own limits and holds | Same schedule at the bank’s own ATMs |
| Call to ask about your limit | Case-by-case | Depends on the bank |
An ordinary $20,000 personal check is treated the same way at a teller as by mobile: $275 is available the next business day, and the amount above $6,725 can be held longer. For daily ATM withdrawal limits, see the Wells Fargo ATM limit guide.
Check Wells Fargo branch hours before making the trip, since hours differ by branch.
Wells Fargo Premier Checking
Wells Fargo Premier Checking includes perks such as wire transfer fee waivers and ATM fee reimbursements. Wells Fargo doesn’t publish a mobile deposit limit by account type, so ask the bank what a tier would change before moving.
Why Wells Fargo May Reject Your Mobile Deposit
- Image not clear enough — place the check on a dark, plain, well-lit surface and fit all four corners in the guides
- Missing endorsement or “For Mobile Deposit at Wells Fargo Only” notation
- You’ve already deposited this check (duplicate detection)
- Amount entered doesn’t match what’s written on the check
For a full overview of Wells Fargo accounts, fees, limits, and contact information, see the Wells Fargo complete guide.
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