What is TD Bank's mobile deposit limit?

TD Bank's standard mobile cheque deposit limit for personal accounts is $10,000 per day and $15,000 per 30-day rolling period. Business accounts may have different limits. For cheques above these amounts, deposit in person at a TD branch or at a TD ATM that accepts cheques.

How long does a mobile deposit take to clear at TD?

TD makes the first $100 of any deposited cheque available immediately, as required by Canadian banking regulations. Remaining funds typically clear in 1–5 business days depending on your account history, the cheque amount, and the issuing bank. New TD account holders and customers with recent NSF activity may experience longer hold periods.

What cheques can I deposit with the TD app?

You can deposit Canadian-dollar cheques drawn on Canadian financial institutions: personal cheques, business cheques, payroll cheques, and government cheques. Ineligible items include foreign-currency cheques, money orders, bank drafts, traveller's cheques, and cheques that have been previously deposited. These must be deposited at a TD branch.

How do I deposit a cheque using the TD app?

Open the TD app and tap 'Deposit'. Select the account to receive the funds, choose 'Mobile Cheque Deposit', enter the cheque amount, then photograph the front and back of the endorsed cheque on a flat dark surface. Ensure all four corners of the cheque are visible and the image is in focus. Confirm and submit. Keep the cheque for 5 business days before shredding.

Can I increase my TD mobile deposit limit?

Yes. Call TD EasyLine at 1-866-222-3456 or visit a branch to request a mobile deposit limit increase. Requests are reviewed on a case-by-case basis. For regular large cheque deposits, TD may approve a higher limit based on your account history and deposit patterns.

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

TD Bank’s mobile cheque deposit limit is $10,000 per day and $15,000 per 30 days for personal accounts. The TD app deposits most Canadian-dollar cheques within seconds. The first $100 is available immediately; remaining funds clear in 1–5 business days based on your account history.

Quick answer: TD mobile deposit limit: $10,000/day, $15,000/30 days. First $100 available immediately. Full clearance: 1–5 business days. Eligible: Canadian-dollar cheques on Canadian banks. Not eligible: foreign cheques, money orders, bank drafts.

TD Mobile Deposit Limits 2026

Limit	Amount
Daily mobile deposit limit	$10,000
30-day rolling limit	$15,000
Maximum per cheque	$10,000
Immediate availability	First $100
Typical hold (established customer)	1–3 business days
Hold (new account / NSF history)	Up to 5 business days

Eligible Cheques for TD Mobile Deposit

Can deposit via TD app:

Personal cheques (Canadian-dollar, drawn on Canadian banks)
Business cheques drawn on Canadian institutions
Payroll/direct deposit cheques
Government cheques (CRA, OAS, CPP, provincial)
Insurance company cheques

Must be deposited at a branch or ATM:

Foreign-currency cheques (USD, EUR, etc.)
Money orders
Certified cheques or bank drafts
Traveller’s cheques
Previously deposited cheques
Damaged or altered cheques

How to Deposit a Cheque in the TD App

Endorse the cheque — sign the back and write “For TD Mobile Deposit Only” to prevent reuse
Open the TD app and log in with Face ID, fingerprint, or password
Tap “Deposit” on the main screen, then “Mobile Cheque Deposit”
Select the account to receive the funds (chequing or savings)
Enter the cheque amount
Photograph the front of the cheque — all four corners visible, in focus, on a dark flat surface
Photograph the back — endorsed side up, MICR line visible
Review and confirm — double-check the amount matches the cheque
Keep the original cheque for at least 5 business days, then shred securely

Photography tips:

Place the cheque on a dark (non-reflective) surface
Ensure even lighting — avoid harsh shadows
Hold the phone flat above the cheque
The app will auto-detect the cheque edges — wait for the outline to appear before capturing

TD Cheque Hold Policy

Under Canada’s Access to Funds regulations (Bank Act), TD must release the first $100 of any deposited cheque immediately. For the remaining amount:

Scenario	Hold Period
Established TD 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 cheque ($5,000+)	Up to 5 business days
Government-issued cheque	Next business day (often sooner)

Worked example: You deposit a $4,200 payroll cheque via the TD app on a Monday morning. You have banked with TD for 3 years with no NSF history. TD releases $100 immediately. The remaining $4,100 is available by Wednesday (2 business days). The full $4,200 shows as available by end of Wednesday.

When Mobile Deposit Isn’t Enough

If a cheque exceeds the $10,000 daily or $15,000/30-day limit:

Option	Details
TD branch teller deposit	Any amount, ID required for large sums
TD ATM cheque deposit	Available at most TD ATMs with envelope/imaging feature
Wait for limit reset	The 30-day limit rolls daily
Request limit increase	Call 1-866-222-3456 or visit branch

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