Mobile Check Deposit Limits: What You Need to Know
Mobile check deposit lets you deposit a check by photographing it with your bank's app. Convenient as it is, banks set limits on how much you can deposit this way per day and per month. Understanding these limits helps you plan for larger check deposits.
How mobile deposit limits work
Banks set mobile deposit limits to manage fraud risk and funds availability. Limits can vary by: account age (new accounts often have lower limits), account type (premium accounts may have higher limits), customer history, and the bank's policies.
Typical mobile deposit limits
Mobile deposit limits vary widely. Some banks set limits as low as $500–$1,000 for new accounts, while established customers may have limits of $5,000–$25,000 or more. Monthly limits also apply at most banks. Always verify your specific bank's current limits, as these are subject to change.
What to do if your deposit exceeds the limit
If your check exceeds your mobile deposit limit, you can: (1) Visit a bank branch or ATM to deposit in person. (2) Split a large payment into multiple checks (requires the payer to reissue). (3) Request a limit increase from your bank — some banks will do this for customers with good standing.
When are mobile deposits available?
Availability of deposited funds varies. Some banks make funds immediately available or within hours. Others place holds on larger checks or new accounts. Verify your bank's funds availability policy for mobile deposits.
Frequently Asked Questions
Sources
- Consumer Financial Protection Bureau (CFPB) — Check Holds
- Regulation CC — Availability of Funds
Pro tip: Bookmark this guide and review it before opening a new bank account to ensure you understand all terms and conditions.