Your mobile deposit limit is not fixed forever. Here are the most effective ways to increase it in 2026.
Method 1: Call Your Bank and Request an Increase
The fastest and most direct way to increase your mobile deposit limit is to call your bank.
| Bank | Phone Number | What to Say |
|---|---|---|
| Chase | 1-800-935-9935 | “I’d like to request a temporary mobile deposit limit increase” |
| Bank of America | 1-800-432-1000 | “I need to deposit a check larger than my current mobile limit” |
| Wells Fargo | 1-800-869-3557 | “Can you increase my mobile deposit limit temporarily?” |
| Capital One | 1-877-383-4802 | “I’d like a mobile deposit limit increase” |
| Citi | 1-800-374-9700 | “Please increase my mobile deposit limit” |
Tips when calling:
- Have the check amount and the payer’s name ready to explain
- Be specific: “I have a $7,500 check from selling my car that I need to deposit”
- Ask for a permanent increase if relevant — not just one-time
Method 2: Upgrade Your Checking Account
Premium checking accounts come with higher mobile deposit limits built in:
| Bank | Upgrade Account | Daily Limit Increase |
|---|---|---|
| Chase | Premier Plus or Sapphire Banking | $2,500 → $5,000–$10,000 |
| Wells Fargo | Portfolio by Wells Fargo | $2,500 → $10,000 |
| Bank of America | Advantage Relationship Banking or Preferred Rewards | $5,000 → $10,000+ |
| Capital One | N/A (all consumer accounts similar) | — |
Method 3: Build Account History Over Time
Banks automatically review and often increase mobile deposit limits at:
- 6 months of account history with no overdrafts
- 12 months of consistent activity
- When your average balance rises significantly
To speed this process:
- Make regular deposits and maintain a positive balance
- Never overdraft (or rarely)
- Use the account for your primary banking
Method 4: Switch to an Online Bank
Online banks tend to have significantly higher mobile deposit limits because they have no branches to fall back on:
| Online Bank | Daily Mobile Deposit Limit |
|---|---|
| Ally Bank | $50,000/day, $250,000/30 days |
| Marcus by Goldman Sachs | $10,000/day |
| SoFi | $5,000/day |
| Schwab Bank | $100,000/day |
| Discover Bank | $10,000/day |
If you frequently receive large checks, switching your primary checking to a high-limit online bank may be the best long-term solution.
Method 5: Use the ATM as an Alternative
If your mobile limit isn’t increased in time, a bank ATM that accepts check deposits can often process the same check with the same or higher limits:
| Bank | ATM Check Deposit | Availability |
|---|---|---|
| Chase | Accepts at most full-service ATMs | Same or next day |
| Bank of America | Accepts at full-service ATMs | Same or next day |
| Wells Fargo | Accepts without envelope | Same or next day |
| Capital One | Available at Capital One ATMs | Next business day |
What to Do for a One-Time Very Large Check
For checks over $10,000 (such as a home sale closing check, lawsuit settlement, or inheritance):
- Visit the branch in person with an ID — no deposit limit for tellers
- Ask about the bank’s large deposit funds availability policy before you go
- Consider a wire transfer from the sender instead — wires have no size restriction and are available same day