Mobile check deposit makes banking easier, but every bank has deposit limits you need to understand. These limits affect how much you can deposit per check, per day, or per month. This guide explains how mobile deposit limits work, why they exist, and how limits compare across major banks.
If you want to avoid extra fees when cashing checks, see How Check Cashing Fees Work.
What Mobile Deposit Limits Are
Mobile deposit limits restrict the total amount of money you can deposit using your bank’s mobile app. These limits help banks reduce the risk of fraudulent checks and manage funds availability.
Limits apply at three levels: per check, per day, and per month.
Why Banks Set Mobile Deposit Limits
Mobile deposits are convenient, but they carry more risk for banks than in-person deposits. Limits protect the bank from losses caused by:
- Fraudulent or altered checks
- Duplicate deposits at multiple banks
- Unverified accounts
- New customers with little banking history
- Large checks requiring manual review
Your personal limit often increases as your account ages and stays in good standing.
Types of Mobile Deposit Limits
Per-check limits
This is the maximum dollar amount the bank accepts for a single mobile deposit. For example, some banks may allow only 2,500 dollars per check through mobile deposit.
Daily limits
This is the total amount you can deposit using mobile deposit within a 24-hour period. Even if you submit multiple smaller checks, your total must stay under the daily limit.
Monthly limits
Some banks also cap the total dollar amount you can deposit each month using the mobile app. Monthly limits usually apply to high-risk accounts or new customers.
Factors That Determine Your Limit
Your bank sets your limits based on your account history and risk level. Common factors include:
- How long you have been a customer
- Your account balance and activity
- Direct deposit history
- Past overdrafts or returned checks
- Your credit profile (in some cases)
- The type of check being deposited
Mobile Deposit Limits by Major Banks
Limits vary widely between banks. The limits below are general ranges because each customer may receive different personalized limits.
Chase
- Per check: typically 2,000 to 5,000 dollars
- Daily: 2,000 to 5,000 dollars
- Monthly: 4,000 to 15,000 dollars
Bank of America
- Per check: 2,500 to 10,000 dollars
- Monthly max varies widely based on account type
Wells Fargo
- Limits vary by customer
- Typical per-check limit: 2,500 dollars
PNC
- Daily limit: usually around 2,500 dollars
- Monthly: varies by region and account
Truist
- Per check: 2,500 to 5,000 dollars
- Daily: often 2,500 to 5,000 dollars
Credit unions
Many credit unions have lower limits for newer accounts but increase them over time. Limits often range from 1,000 to 5,000 dollars per check.
How To Find Your Mobile Deposit Limit
- Open your bank’s mobile app and look under Mobile Deposit, Deposit Limits, or Help
- Check your bank’s website
- Call customer service
- Visit a local branch for exact limits
Most banks show your personalized limit directly in the app during the deposit process.
How To Increase Your Mobile Deposit Limit
- Maintain a positive balance
- Use direct deposit
- Avoid overdrafts
- Build a longer account history
- Request a limit increase through customer service
Long-term account stability is the biggest factor in getting higher limits.
What To Do If Your Check Exceeds Your Limit
If your check is too large for mobile deposit, you still have options:
- Deposit the check at an ATM
- Deposit at a bank branch
- Ask your bank to temporarily raise your limit
- Use a credit union shared branch if available
- Use a fee-free alternative if needed, such as options listed in Alternative Check Cashing Methods
People Also Ask
Why is my mobile deposit limit so low?
Limits are low for new accounts, customers with limited banking history, or accounts with past overdrafts.
Do mobile deposit limits ever increase?
Yes. Limits typically increase as you build a longer, stable account history.
Is there a way to bypass mobile deposit limits?
No, but you can deposit in person, use an ATM, or request a temporary limit increase.
Do weekends affect mobile deposits?
Yes. Bank processing times may delay availability until the next business day.
Do mobile deposits clear faster?
Not always. Many banks place standard holds on mobile deposits to verify funds.
People Also Search For
- How mobile check deposit works
- Why banks have deposit holds
- How to avoid check cashing fees
- Mobile deposit error fixes
- What to do if your mobile deposit is rejected
- How to endorse a check for mobile deposit
- Daily bank deposit limits
- How to speed up deposit availability
- Checks that cannot be deposited by phone
- Alternatives to mobile deposit
Conclusion
Mobile deposit limits vary by bank, account type, and personal banking history. Understanding these limits helps you avoid delays, rejected deposits, and unexpected holds. With the right approach, you can use mobile deposit confidently and make sure your money becomes available as quickly as possible.
Related Money Guides
Looking for more help with check deposits, bank processing, or safe ways to access your money? These guides explain everything you need to know about check cashing, mobile deposits, cash availability, and smart ways to avoid extra fees.