Scotiabank’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 range from next business day (government/certified) to 5 business days (large personal cheques). Deposits over the limit can be made at any Scotiabank branch.
Quick answer: Scotiabank mobile deposit daily: $10,000. 30-day: $15,000. First $100: immediate. Remainder: 1–5 business days. Fee: $0.
Scotiabank 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 (FCAC requirement) |
| Government/certified cheque hold | Next business day | Standard |
| Payroll cheque hold | 1–3 business days | Established accounts |
| Personal cheque ≤ $1,500 | 1–3 business days | Account history varies |
| Personal cheque > $1,500 | 4–5 business days | Standard |
| New account (< 90 days) | $100 | Extended hold applies |
How to Mobile Deposit at Scotiabank
- Open the Scotiabank app and log in
- Tap Deposit → Deposit a Cheque
- Select your chequing or savings account
- Enter the exact amount written on the cheque
- Sign the back of the cheque — write your signature and “For Scotiabank mobile deposit only”
- Photograph the front:
- Flat surface, dark plain background
- All 4 corners clearly visible
- No shadows, glare, or obstructions
- Photograph the back (endorsement fully visible)
- Review and tap Submit; note the confirmation reference
- Write “Deposited [date]” on the cheque
Keep the physical cheque for 90 days before shredding. Never deposit it at another institution — this is cheque fraud.
Cheque Hold Times at Scotiabank
| Cheque Type | Immediate | Full Availability |
|---|---|---|
| Government of Canada (CRA, EI, OAS, CPP) | $100 | Next business day |
| Province-issued cheques | $100 | Next business day |
| Certified cheques | $100 | Next business day |
| Payroll / employer 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 | $100 | Extended hold |
Long-standing Scotiabank customers with strong account history may experience shorter holds than newer customers on the same cheque type.
Eligible Cheques for Scotiabank 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 |
Over-Limit Options: Scotiabank Branch Advantage
Unlike digital-only banks, Scotiabank customers with cheques over $10,000/day or $15,000/30-day can visit any of Scotiabank’s ~950 branches for in-person deposit. A teller can process cheques of any amount, subject to the same FCAC hold time rules but without a mobile cap.
This is particularly relevant for:
- Real estate transaction proceeds
- Large business or contract payments
- Estate disbursements
- USD and foreign-currency cheques
When to Ask for a Different Payment Method
If you need your funds faster than the hold period allows:
- Request an Interac e-Transfer — arrives in minutes, up to $3,000, no hold
- Request a certified cheque — clears next business day vs. 4–5 days for personal cheques
- Ask for an EFT bank transfer — no paper cheque required; sender needs your banking details
Scotiabank vs. Other Banks: Mobile Deposit Comparison
| Bank | Daily Limit | 30-Day Limit | In-Branch Option | Fee |
|---|---|---|---|---|
| Scotiabank | $10,000 | $15,000 | Yes | $0 |
| TD | $10,000 | $25,000 | Yes | $0 |
| RBC | $10,000 | $25,000 | Yes | $0 |
| BMO | $10,000 | $15,000 | Yes | $0 |
| CIBC | $10,000 | $15,000 | Yes | $0 |
| Tangerine | $10,000 | $15,000 | Cafés (4 cities) | $0 |
TD and RBC have higher 30-day limits ($25,000 vs $15,000). For customers who regularly deposit multiple large cheques per month, this distinction matters. Scotiabank’s branch access gives it an edge over Tangerine for over-limit deposits.
Tips for Scotiabank Mobile Deposits
- Sign the back before photographing — “For Scotiabank mobile deposit only” + signature
- Use a dark contrasting background — reduces glare and makes cheque edges clear
- Deposit in the morning — morning submissions have a better chance of same-day batch clearing
- Track your 30-day rolling limit — if you receive multiple cheques monthly, know where you stand against the $15,000 cap
- Choose e-Transfer when possible — avoids cheque processing delays and hold times entirely
Related Articles
- Scotiabank Fees 2026
- Scotiabank ATM Limit 2026
- Scotiabank e-Transfer Limit 2026
- Tangerine Mobile Deposit Limit 2026
- CIBC Mobile Deposit Limit 2026
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