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Mobile check deposit has become a crucial feature for many bank customers. It provides the convenience of depositing checks from anywhere without needing to visit a bank. However, many banks impose mobile check deposit limits.
Mobile Check Deposit Limits at Top U.S. Banks
These limits dictate how much money can be deposited through mobile devices daily or monthly. In this post, we’ll explore the mobile check deposit limits at top U.S. banks, with a special focus on Bank of America’s limits.
Bank of America Mobile Check Deposit Limit
Bank of America is one of the leading banks in the U.S., offering a generous mobile check deposit limit for its customers. The deposit limits vary depending on the length of time the account has been open and the account type.
- Standard Accounts:
- For accounts that are three months old or more, the mobile deposit limit is $10,000 per month.
- For accounts that are less than three months old, the limit is $2,500 per month.
- Preferred Rewards Program Accounts:
- If you’re a member of Bank of America’s Preferred Rewards program, the limit increases significantly. For accounts that are three months or older, you can deposit up to $50,000 per month.
- For newer accounts (less than three months old), the mobile deposit limit is $25,000 per month.
While these limits are high compared to other banks, some customers may still need to deposit larger checks. If you’re unable to deposit a check within your mobile check deposit limit, Bank of America offers alternative options. You can visit a physical financial center or ATM, or you can mail your check to the bank.
Overall, Bank of America’s mobile check deposit limits provide flexibility for everyday users and those with higher banking needs, especially Preferred Rewards members.
Wells Fargo Mobile Check Deposit Limit
Wells Fargo is another major player in the U.S. banking sector. However, its mobile check deposit limits are a bit more restrictive compared to Bank of America.
- Daily and Monthly Limits:
- Wells Fargo sets the mobile deposit limit at $2,500 per day and $5,000 per month.
- If you need to deposit more than $2,500 on any given day, you will have to do so in person or through another method. Similarly, if you exceed the $5,000 monthly limit, an in-person deposit is required.
Wells Fargo’s deposit limits may present a challenge for people who regularly deposit large checks, such as small business owners. The need to make multiple trips to the bank could become a burden.
For those who need higher limits, switching to a bank with higher mobile check deposit limits could be an option. Alternatively, Wells Fargo customers can make multiple deposits within the allowed limits.
Chase Mobile Check Deposit Limit
Chase offers some of the highest mobile check deposit limits in the banking industry. These limits are especially useful for those who frequently deposit large checks.
- Standard Limits:
- For regular customers, the mobile deposit limit is $10,000 per day and $25,000 per month through the Chase Mobile app.
- Check Scanner Limits:
- If you use a check scanner to make deposits, Chase increases your limit to $250,000 per day and $500,000 per month.
These limits are significant and offer great convenience for customers who need to deposit large sums. However, the increased limits are only available with a check scanner, not via the mobile app alone.
Citibank Mobile Check Deposit Limit
Citibank’s mobile check deposit limits vary depending on how long the account has been open.
- For Customers with Accounts Open for More Than Six Months:
- The daily limit is $1,000, and the monthly limit is $3,000.
- For Newer Customers (Less Than Six Months Old):
- The daily limit is $500, and the monthly limit is $1,500.
Citibank encourages long-term customers to use mobile check deposit by offering higher limits. While these limits may be lower than some other banks, Citibank’s mobile deposit system is easy to use. Customers must ensure that checks are properly endorsed and that the photos of the checks are clear, with all corners visible.
U.S. Bank Mobile Check Deposit Limit
U.S. Bank imposes mobile check deposit limits based on the age of the account.
- For Accounts Open for Less Than 90 Days:
- Mobile check deposit limits range from $50 to $2,500 per day, depending on the account type and history.
- For Older Accounts:
- The limits typically rise to a more generous amount, but specifics can vary.
U.S. Bank’s policy reflects the bank’s cautious approach to mobile check deposits, considering the risk factors involved with higher deposit limits. However, even with these limits, mobile deposits are still a convenient option, especially if you need to make smaller deposits.
Capital One Mobile Check Deposit Limit
Capital One also provides mobile check deposit services with fairly high limits. However, the limits vary depending on the account.
- Standard Limits:
- Most customers can deposit up to $5,000 per day through Capital One’s mobile app.
- Other Considerations:
- The check must be properly endorsed, and the deposit needs to be made within the allowed time frame for funds to be available.
This feature is user-friendly, allowing customers to deposit checks without needing to visit a branch. However, the exact limits may differ depending on the type of account you hold with Capital One.
PNC Bank Mobile Check Deposit Limit
PNC Bank offers reasonable mobile check deposit limits, especially for customers who have had their accounts open for at least 30 days.
- For Accounts Open for 30 Days or Longer:
- Customers can deposit up to $2,500 per day and $5,000 per month.
- For Newer Accounts (Less Than 30 Days):
- The daily limit is $1,000, and the monthly limit is $2,500.
PNC Bank’s limits are competitive and offer sufficient flexibility for many customers. Even for those with new accounts, the limits are reasonable enough for common check deposit needs.
TD Bank Mobile Check Deposit Limit
TD Bank has specific mobile check deposit limits depending on how long the account has been open.
- For Accounts Open for 3 to 6 Months:
- The limit is $1,000 per day and $2,500 per month.
- For Accounts Open for 6 to 12 Months:
- The limit increases to $2,500 per day and $3,500 per month.
- For Accounts Open for More Than 1 Year:
- The limit increases to $2,500 per day and $6,000 per month.
TD Bank’s system provides a scalable mobile deposit feature for customers based on their account duration, which allows long-term customers to deposit larger sums.
SunTrust Bank & BB&T (Now Truist)
For Truist, the mobile check deposit limit also varies by account history.
- For Accounts Less Than Six Months Old:
- The limit is $1,000 per check and $3,000 per month.
- For Accounts More Than Six Months Old:
- The limit increases to $5,000 per month.
- For Truist Private Clients:
- The limit can be as high as $25,000 per month.
These limits are designed to provide flexibility while ensuring the bank’s security measures are upheld. Truist’s private clients benefit from the highest limits, making it a good option for those with large financial needs.
Mobile Check Deposit Limits for Online Banks
Online banks often offer higher mobile check deposit limits than traditional brick-and-mortar banks. Here are some of the top online banks and their mobile check deposit limits:
- Capital One 360:
- Limits are $5,000 per day or $10,000 per month.
- Ally Bank:
- Limits are $50,000 per day or $250,000 per month.
- Bank of Internet:
- Limits are $10,000 per day or $50,000 per month.
- TIAA Direct:
- Limits are $30,000 per day or 6 checks per day.
- PayPal:
- Limits are $5,000 per day or $10,000 per month.
- Venmo:
- Limits are $5,000 per day and $15,000 per month.
- Ingo Money:
- Limits are $2,500 per check, $5,000 per day, and $10,000 per month.
- Chime:
- Limits are $2,000 per month with a maximum of 10 check deposits.
- Green Dot:
- The maximum is $2,999 per day.
Frequently Asked Questions
Here are some of the related questions people also ask:
What is the mobile check deposit limit at Bank of America?
Bank of America’s mobile check deposit limit is $10,000 per month for accounts that are three months or older. For accounts under three months, the limit is $2,500 per month. Customers enrolled in the Preferred Rewards program can deposit up to $50,000 per month for accounts over three months old.
Can I deposit more than the mobile check deposit limit at Wells Fargo?
Yes, if you need to deposit more than the $2,500 daily limit or $5,000 monthly limit at Wells Fargo, you can do so in person at a branch or via an ATM.
What is the mobile check deposit limit at Chase?
Chase offers a mobile deposit limit of $10,000 per day and $25,000 per month using the Chase Mobile app. If you use a check scanner, the limit increases to $250,000 per day and $500,000 per month.
How do I increase my Citibank mobile deposit limit?
Citibank increases mobile deposit limits for customers who have had their account for more than six months. For accounts under six months old, the limit is $500 per day and $1,500 per month.
What are the mobile check deposit limits for U.S. Bank?
U.S. Bank’s mobile check deposit limits for accounts open for less than 90 days range from $50 to $2,500 per day, depending on the account type and history. Limits increase for accounts older than 90 days.
What is the typical mobile check deposit limit for Capital One customers?
Capital One’s mobile check deposit limit is generally $5,000 per day, but it can vary depending on the specific account. Ensure the check is properly endorsed before depositing.
What is the mobile check deposit limit at PNC Bank?
PNC Bank’s mobile check deposit limit for accounts open for more than 30 days is $2,500 per day and $5,000 per month. For accounts less than 30 days old, the limit is $1,000 per day and $2,500 per month.
How much can I deposit using TD Bank’s mobile check deposit?
TD Bank offers mobile check deposit limits based on account history. Customers with accounts open for over a year can deposit up to $2,500 per day and $6,000 per month. Limits are lower for newer accounts.
What are the mobile check deposit limits at online banks like Ally and Capital One 360?
Online banks typically offer higher mobile deposit limits. For example, Ally Bank allows deposits up to $50,000 per day or $250,000 per month, while Capital One 360 allows deposits of $5,000 per day and $10,000 per month.
The Bottom Line
Mobile check deposit limits can vary significantly from bank to bank, and even depending on how long your account has been open. Whether you’re using Bank of America, Wells Fargo, Chase, or any of the many online banks, it’s important to understand the limits that apply to your account.
Some banks, like Bank of America, offer generous limits for long-term customers, while others, such as Wells Fargo, impose stricter daily and monthly caps. By understanding these limits, you can ensure that your check deposits are seamless and convenient.