What is BMO's mobile deposit limit?

BMO's mobile cheque deposit limit is $10,000 per business day and $15,000 per 30-day rolling period for personal accounts. These limits apply to deposits through the BMO Mobile Banking app. Business accounts may have different limits. Verify your specific limit in the BMO app under account details.

How do I mobile deposit a cheque at BMO?

Open the BMO Mobile Banking app, tap 'Deposit a Cheque', select the destination account, enter the cheque amount, sign the back of the cheque, take photos of the front and back, and confirm. Write 'Deposited' and the date on the back of the cheque after submission. Keep the physical cheque for 90 days before shredding.

How long does BMO hold mobile deposits?

BMO typically releases the first $100 immediately. Government cheques and certified cheques are typically available the next business day. Personal cheques may have a hold of 1–5 business days depending on account history and cheque amount. BMO follows Payments Canada guidelines for cheque holds.

What types of cheques can I deposit using the BMO app?

BMO's mobile deposit accepts CAD-denominated cheques drawn on Canadian financial institutions. Eligible types include personal cheques, payroll cheques, government cheques, and certified cheques. Not eligible: foreign-currency cheques, money orders, bank drafts, traveller's cheques, or damaged/altered cheques.

What should I do with the physical cheque after a BMO mobile deposit?

Write 'Deposited' and the date on the back of the cheque immediately after submitting. Store it securely for at least 90 days in case of any questions or disputes. After 90 days, shred it. Never deposit the same cheque at another bank — this constitutes cheque fraud under Canadian law.

BMO Mobile Deposit Limit 2026 — Cheque Deposit Limits and Hold Times

BMO’s mobile cheque deposit limit is $10,000 per business day and $15,000 per 30-day rolling period for personal accounts. The first $100 is available immediately. Mobile deposits are free. Hold times are 1–5 business days depending on cheque type and account history.

Quick answer: BMO mobile deposit daily: $10,000. 30-day: $15,000. First $100: immediate. Remainder: 1–5 business days. Fee: $0. Higher limits available in-branch.

BMO Mobile Deposit Limits 2026

Limit Type	Amount	Notes
Daily deposit limit	$10,000	Business days
30-day rolling limit	$15,000	Personal accounts
Immediate availability	$100	Per deposit
Hold — government/certified	Next business day	Standard
Hold — personal cheque ≤ $1,500	1–3 business days	Account history dependent
Hold — personal cheque > $1,500	4–5 business days	Standard

How to Mobile Deposit at BMO

Via the BMO Mobile Banking app:

Open the BMO Mobile Banking app and log in
Tap Deposit → Deposit a Cheque
Select your BMO chequing or savings account
Enter the exact dollar amount on the cheque
Sign the back of the cheque and write “For BMO mobile deposit only”
Photograph the front of the cheque:
- Flat surface, plain background
- All 4 corners visible
- Good lighting, no shadows or flash glare
Photograph the back (endorsement visible)
Review and tap Submit

Confirm the deposit, note the confirmation number, and write “Deposited [date]” on the cheque. Keep the paper cheque for 90 days, then shred it.

Cheque Hold Times at BMO

Cheque Type	First Available	Full Availability
Government of Canada cheques	$100	Next business day
Province-issued cheques	$100	Next business day
Certified cheques	$100	Next business day
Payroll cheques	$100	1–3 business days
Personal cheque ≤ $1,500	$100	1–4 business days
Personal cheque > $1,500	$100	4–5 business days
New account (< 90 days)	$100	Extended hold applies

Account history matters: long-standing BMO customers with a good history may see shorter holds than newer account holders on the same cheque type.

BMO Advantage: In-Branch Deposit for Over-Limit Cheques

Unlike digital-only banks (EQ Bank, Simplii, Tangerine), BMO customers can deposit over-limit cheques at any BMO branch. A bank teller can process cheques well above the $10,000 mobile deposit limit — subject to standard hold times but without the online ceiling.

This is a genuine advantage for customers who receive large cheques (real estate transactions, business payments, estate disbursements) that exceed mobile deposit limits.

Eligible vs. Ineligible Cheques for BMO Mobile Deposit

Cheque Type	Eligible?
Canadian personal cheques (CAD)	Yes
Payroll / employer cheques	Yes
Government of Canada cheques	Yes
Provincial government cheques	Yes
Certified cheques	Yes
USD or foreign currency cheques	No — deposit at branch
Money orders	No
Bank drafts	No
Post-dated cheques	No
Damaged or altered cheques	No

What to Do If You Need Faster Access to Funds

Request a certified cheque from the payer — these clear next business day
Ask for an Interac e-Transfer instead — arrives in minutes, no hold
Visit a BMO branch — tellers have flexibility on hold times for established customers
Deposit early in the day — cheques submitted in the morning have a better chance of same-day clearing

BMO vs. Other Banks: Mobile Deposit Comparison

Bank	Daily Limit	30-Day Limit	In-Branch?	Fee
BMO	$10,000	$15,000	Yes	$0
TD	$10,000	$25,000	Yes	$0
RBC	$10,000	$25,000	Yes	$0
CIBC	$10,000	$15,000	Yes	$0
Scotiabank	$10,000	$15,000	Yes	$0
Tangerine	$10,000	$15,000	Cafés only	$0
EQ Bank	$10,000	$15,000	No	$0

TD and RBC offer higher 30-day limits ($25,000 vs $15,000) — worth noting if you regularly deposit multiple large cheques per month.

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