What is Tangerine's mobile cheque deposit limit?

Tangerine's mobile cheque deposit limit is $10,000 per business day and $15,000 per 30-day rolling period. These limits apply to deposits through the Tangerine mobile app. Mobile deposits are free with no per-deposit charge. New accounts may have lower initial limits until account history is established.

How do I deposit a cheque with the Tangerine app?

Open the Tangerine app, tap 'Deposit a Cheque', select your account, enter the cheque amount, sign the back of the cheque, photograph the front and back, and submit. Write 'Deposited [date]' on the back of the cheque after submission. Keep the physical cheque for 90 days in case of any disputes.

How long does Tangerine hold mobile deposits?

Tangerine makes the first $100 available immediately after a mobile deposit. Government and certified cheques are typically fully available the next business day. Personal cheques may be held for 1–7 business days depending on the amount and account history. Tangerine follows Payments Canada cheque hold guidelines.

Are mobile deposits free at Tangerine?

Yes. Tangerine does not charge any fee for mobile cheque deposits. Mobile deposit is included in the No-Fee Chequing Account's unlimited free transactions. This is consistent across all Tangerine accounts.

What cheques can I deposit using the Tangerine app?

Tangerine accepts CAD cheques drawn on Canadian financial institutions. Eligible: personal cheques, payroll cheques, government cheques, certified cheques. Not eligible: US-dollar or foreign-currency cheques, money orders, bank drafts, traveller's cheques, post-dated cheques, or cheques older than 6 months.

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

Tangerine’s mobile cheque deposit limit is $10,000 per business day and $15,000 per 30-day rolling period. The first $100 is available immediately with every deposit. Mobile deposits are free. Remaining funds clear within 1–7 business days depending on cheque type.

Quick answer: Tangerine mobile deposit daily: $10,000. 30-day: $15,000. First $100: immediate. Hold: 1–7 business days. Fee: $0.

Tangerine Mobile Deposit Limits 2026

Limit	Amount
Daily deposit limit	$10,000
30-day rolling limit	$15,000
Immediate availability (per deposit)	$100
Government / certified cheque hold	Next business day
Personal cheque hold (≤ $1,500)	4 business days
Personal cheque hold (> $1,500)	7 business days
Fee	$0

Tangerine as a Branchless Bank: What It Means for Deposits

Tangerine operates without traditional branches. Instead, it relies on:

Mobile cheque deposit (in app) — the primary way to deposit cheques
Tangerine Cafés — in-person locations in Toronto, Vancouver, Calgary, and Montréal that offer assisted banking, including teller cheque deposits
Canada Post — Tangerine customers can mail cheques for deposit in some circumstances (call 1-888-826-4374 for instructions)

If you live near a Tangerine Café, you can deposit cheques in person and receive same-day processing. If not, mobile deposit via the app is the standard method.

How to Deposit a Cheque via the Tangerine App

Open the Tangerine app and log in
Tap Deposit a Cheque
Select the account to receive the funds (chequing or savings)
Enter the exact amount on the cheque
Sign the back of the cheque — write your signature and “For Tangerine mobile deposit only”
Photograph the front of the cheque:
- Lay flat on a plain dark surface
- Good lighting, no flash glare
- All four corners visible, no shadows
Photograph the back (endorsement visible)
Review the details and tap Submit

After submission, write “Deposited [date]” on the cheque. Store it securely for 90 days, then shred it. Never deposit the same cheque at another institution — that constitutes cheque fraud.

Cheque Hold Times at Tangerine

Cheque Type	First Available	Full Availability
Government of Canada (CRA, EI, OAS)	$100	Next business day
Certified cheque	$100	Next business day
Payroll cheque	$100	1–3 business days
Personal cheque ≤ $1,500	$100	4 business days
Personal cheque > $1,500	$100	7 business days
New account (< 90 days old)	$100	Extended hold

The $100 immediate release is mandatory under FCAC (Financial Consumer Agency of Canada) rules for all Canadian banks. It provides immediate access to a portion of funds while the cheque clears.

Eligible vs. Ineligible Cheques

Cheque Type	Mobile Deposit Eligible?
Canadian personal cheques (CAD)	Yes
Payroll cheques (CAD)	Yes
Government of Canada cheques	Yes
Provincial government cheques	Yes
Certified cheques	Yes
USD or foreign-currency cheques	No
Money orders	No
Bank drafts	No
Traveller’s cheques	No
Post-dated cheques	No
Damaged, torn, or altered cheques	No

What to Do When You’re Over the Limit or Need Funds Faster

If you’ve hit the $10,000 daily limit:

Wait until the next business day (limit resets each day)
Visit a Tangerine Café in Toronto, Vancouver, Calgary, or Montréal for in-person teller deposit
Call Tangerine at 1-888-826-4374 to request a one-time limit increase

If you need funds faster than the hold period:

Ask the payer to send an Interac e-Transfer instead — arrives in minutes with no hold
Request a certified cheque — clears next business day rather than 4–7 days

Tips for Smooth Mobile Deposits at Tangerine

Endorse before photographing — the endorsement must be visible on the back photo
Use a dark flat surface — helps the camera capture cheque edges clearly
Avoid direct sunlight or flash — glare obscures the cheque numbers
Double-check the amount before submitting — a mismatch between the amount entered and what’s on the cheque causes rejection
Deposit early in the business day — earlier submissions often process within the same day’s clearing batch
Keep the 30-day limit in mind — if you’re depositing multiple large cheques in a month (e.g., rental income), plan around the $15,000 rolling cap

Tangerine vs. Simplii vs. TD: Mobile Deposit Comparison

Bank	Daily Limit	30-Day Limit	First $100 Immediate	Fee
Tangerine	$10,000	$15,000	Yes	$0
Simplii	$10,000	$15,000	Yes	$0
TD	$10,000	$25,000	Yes	$0
RBC	$10,000	$25,000	Yes	$0

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