Mobile check deposit lets you skip the bank branch — but there are limits on how much you can deposit at once. Here are the complete 2026 limits for every major bank.
Mobile Check Deposit Limits by Bank
| Bank | Daily Limit | Monthly Limit | New Account Limit |
|---|---|---|---|
| Chase | $2,500–$10,000 | $25,000 | $2,500 |
| Bank of America | $5,000 | $10,000 | $2,500 |
| Wells Fargo | $2,500 | $5,000 | Lower |
| Capital One | $5,000 | $10,000 | Tiered |
| Citi | $3,000 | $25,000 | $1,000 |
| TD Bank | $2,500 | $10,000 | Lower |
| U.S. Bank | $2,500 | $5,000 | Lower |
| PNC Bank | $2,500 | $5,000 | Lower |
| Ally Bank | $50,000/day | $250,000/30 days | $10,000 |
| Chime | $2,000/day | $10,000/month | Same |
| SoFi | $5,000/day | $30,000/30 days | Higher |
| Marcus by Goldman Sachs | $10,000/day | $30,000/month | Lower |
How Mobile Deposit Limits Are Set
Banks determine your mobile deposit limit based on:
| Factor | Impact |
|---|---|
| Account age | Newer accounts have lower limits |
| Account type | Checking vs. savings; premium vs. standard |
| Average balance | Higher balances → higher limits |
| Payment history | No overdrafts/NSFs → higher limits |
| Relationship with bank | Multiple accounts/products increase trust |
Regulation CC: Federal Hold Rules
Regardless of the bank’s limit, federal law (Regulation CC) governs how quickly funds must be made available:
| Check Type | Amount Available Same Day | Remaining Hold |
|---|---|---|
| Any mobile deposit | First $225 | Next business day or later |
| Checks from the same bank | $225 same day | 1 business day for the rest |
| Local checks | $225 same day | 2 business days |
| Non-local checks | $225 same day | Up to 5 business days |
| Checks over $5,525 | $5,300 first two days | 5–7 days for excess |
| New accounts (under 30 days) | $225 | 9 business days |
How to Deposit a Check Larger Than Your Mobile Limit
If your check exceeds your mobile deposit limit:
| Option | Cost | Availability |
|---|---|---|
| Branch teller deposit | Free | Same day (first $225 to $5,300 fast) |
| ATM deposit | Free | Same day or next day (varies) |
| Request limit increase | Free | Call your bank |
| Split large check | Not allowed (can’t split one check) | N/A |
The branch is always the safest option for very large checks — tellers can process higher amounts and reduce hold times.
ATM Mobile Deposit vs. In-Branch Deposit
| Feature | Mobile Deposit | ATM Deposit | Branch Teller |
|---|---|---|---|
| Limit | $2,500–$50,000 | Varies | No practical cap |
| Hours | 24/7 | 24/7 | Business hours |
| Hold time | 1–5 days | 1–2 days | 1 day or less |
| Same-day availability | $225 | $225–$500 | Up to $5,300 |
| Best for | Checks under daily limit | Checks near mobile limit | Large/urgent checks |
How to Increase Your Mobile Deposit Limit
- Call your bank directly — request a temporary or permanent limit increase
- Upgrade your account — premium accounts (Chase Sapphire Banking, BofA Preferred Rewards) have higher limits
- Build account tenure — limits often increase automatically after 6–12 months
- Maintain a higher average balance — banks reward customers who keep more money on deposit
Mobile Deposit Tips
- Endorse the check — sign the back and write “For Mobile Deposit Only” to prevent issues
- Take photos in good lighting — poor images are the #1 reason mobile deposits fail
- Keep the physical check for 5–7 days after the deposit posts, then destroy it
- Check your posting time — deposits made after the cutoff (typically 9 PM ET) post the next business day