What is the RBC mobile cheque deposit limit?

RBC's standard mobile deposit limit is $10,000 per day and $15,000 per 30-day rolling period for personal accounts. Business accounts may have higher limits. If you regularly deposit cheques above these thresholds, contact RBC at 1-800-769-2511 to discuss a limit increase or visit a branch to deposit larger cheques in person.

How long does it take for a mobile deposit to clear at RBC?

For most personal account holders with a positive banking history, the first $100 of a deposited cheque is available immediately. The remaining funds typically clear within 1–5 business days depending on the cheque amount and your account history. New customers, accounts with recent overdrafts, or very large deposits may experience holds of up to 5 business days.

What cheques can I deposit with RBC Mobile?

You can deposit Canadian-dollar personal cheques, business cheques, payroll cheques, and government cheques drawn on Canadian financial institutions. You cannot deposit foreign-currency cheques, money orders, bank drafts, traveller's cheques, or cheques with two endorsement signatures required via mobile deposit — these must be brought to a branch.

How do I deposit a cheque with the RBC Mobile app?

Open the RBC Mobile app, select 'Deposit Cheque' from the main menu, choose the account to deposit into, enter the cheque amount, then photograph the front and back of the cheque on a flat, dark surface. Ensure all four corners are visible and the MICR line at the bottom is readable. Confirm the deposit and keep the cheque for 5 business days before destroying it.

What happens if I deposit a cheque twice?

Depositing the same cheque twice is fraud. If a cheque is accidentally deposited twice — in person and via mobile, for example — contact RBC immediately at 1-800-769-2511. Intentional duplicate deposits can result in account closure, repayment demands for the full amount, and potential criminal liability under the Criminal Code of Canada.

RBC Mobile Deposit Limit 2026 — Cheque Deposit Limits and Hold Policy

RBC’s mobile cheque deposit limit is $10,000 per day and $15,000 per 30 days for personal accounts. The feature is available in the RBC Mobile app and lets you deposit most Canadian-dollar cheques without visiting a branch. The first $100 is typically available immediately, with remaining funds clearing in 1–5 business days.

Quick answer: RBC mobile deposit limit: $10,000/day, $15,000/30 days (personal accounts). First $100 available immediately. Remaining funds: 1–5 business days. Eligible cheques: Canadian-dollar, drawn on Canadian banks. Not eligible: foreign cheques, money orders, bank drafts.

Always verify current limits with RBC directly, as limits may vary by account type and customer profile.

RBC Mobile Deposit Limits 2026

Limit Type	Personal Accounts
Daily mobile deposit limit	$10,000
30-day rolling limit	$15,000
Minimum cheque amount	$0.01
Maximum per cheque	$10,000
Immediate availability	First $100
Full clearance time	1–5 business days

Business account holders may have higher limits based on account type and business history. Contact RBC business banking at 1-800-769-2511 to confirm your business account mobile deposit limits.

What Cheques Are Eligible for RBC Mobile Deposit

Eligible cheques:

Personal cheques from Canadian banks and credit unions
Business/company cheques drawn on Canadian institutions
Payroll (pay) cheques in Canadian dollars
Government cheques (CRA, provincial government, OAS/CPP)
Insurance settlement cheques in Canadian dollars

Not eligible for mobile deposit:

Foreign-currency cheques (USD, EUR, etc.)
Money orders
Bank drafts or certified cheques
Traveller’s cheques
Cheques requiring two signatures (joint account cheques endorsed by two people)
Cheques that have been previously deposited
Altered or damaged cheques

Ineligible cheques must be deposited in person at an RBC branch or ATM that accepts cheques.

How to Deposit a Cheque with the RBC Mobile App

Depositing via the RBC Mobile app takes under two minutes:

Endorse the cheque — Sign the back. Some banks require “For Mobile Deposit Only” written below your signature. Write this to prevent the cheque from being cashed elsewhere.
Open the RBC Mobile app and log in
Tap “Deposit Cheque” from the main dashboard (or navigate to Move Money → Deposit Cheque)
Select the account where you want to deposit the funds
Enter the cheque amount manually
Photograph the front of the cheque — ensure all four corners are visible, image is in focus, and you can read all printed text
Photograph the back — same requirements; MICR line must be legible
Review and confirm the deposit details
Keep the cheque for at least 5 business days after the funds clear, then destroy it securely (shred it)

Photo tips for a clean capture:

Use a flat, dark (non-white) surface — a desk or countertop works well
Ensure good lighting — natural light or bright room light
Hold the phone directly overhead, not at an angle
Check the on-screen preview shows a sharp, fully-visible cheque before submitting

RBC Cheque Hold Policy

Under Canadian banking regulations (the Access to Funds regulations under the Bank Act), RBC must make the first $100 of any cheque available immediately. For larger amounts, RBC applies holds depending on your account history and the cheque type:

Customer Profile	Typical Hold Period
Established customer, good standing	1–3 business days
New account (open < 90 days)	Up to 5 business days
Account with recent NSF/overdraft	Up to 5 business days
Very large deposit ($5,000+)	5 business days
Government cheques	Next business day

Worked example: You deposit a $3,500 payroll cheque on Monday morning. You are an established RBC customer in good standing. RBC makes $100 available immediately, and the remaining $3,400 is available by Wednesday morning (2 business days). By the end of the hold period, the full $3,500 appears in your available balance.

What to Do If You Exceed the Mobile Deposit Limit

If a single cheque or your rolling balance exceeds the mobile deposit limit:

Option	When to Use	Notes
RBC ATM cheque deposit	Cheques up to ATM’s limit	Free; typically 1 business day hold
Branch teller deposit	Any eligible cheque	Free; ID may be required for large amounts
Wait for rolling period to reset	If close to $15,000/30-day limit	Limit rolls over daily
Request limit increase	Regular large deposits	Call 1-800-769-2511

For businesses depositing high cheque volumes, RBC offers commercial deposit services with higher limits and multi-cheque batch processing.

Is Mobile Deposit Safe at RBC?

RBC’s mobile deposit uses 128-bit encryption for image transmission and stores deposit images on secure RBC servers. The risk of fraud is low when you follow these precautions:

Always endorse the cheque before depositing (“For Mobile Deposit Only”)
Keep the original cheque for 5 business days — do not deposit it anywhere else
Destroy the cheque by shredding once funds have fully cleared
Do not photograph cheques in public where camera footage or bystanders could capture your account details

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