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Mobile Check Deposit Limits at the Top U.S. Banks

Bank of America

Bank of America mobile deposit limits are $10,000 per calendar month accounts that have been open for at least 3 months; accounts that have been opened for less than 3 months are $2,500 each month.

Customers who have been members of the Bank of America Preferred Rewards Program for longer than three months are subject to a $50,000 per monthly mobile check deposit limit. The limit $25,000/month is for accounts that have been in the program less than three months.

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Chase

Chase mobile check deposit limit is $2,000 per customer and $5,000 for a 30-day period.

Wells Fargo

Wells Fargo mobile check deposits limit is $2,500 per customer and $5,000 for a 30-day period.

Citibank

Citibank mobile deposit limit for customers who have had accounts open for at least 6 months is $1,000 per calendar day and $3,000 per monthly. Customers with accounts that were opened for less than 6 months are subject to $500 per daily and $1,500 per per month.

U.S. Bank

The U.S. The U.S. Bank Mobile Check Deposit Limit for Personal Accounts varies depending on account relationship. It can range from $500 to $2,500 per Day.

Capital One

Each customer account has a different Capital One mobile deposit limit. The average limit is $5,000 per hour according to a Capital One branch banker.

PNC Bank

PNCBank mobile check deposit limits are $2,500 per hour and $5,000 per calendar month. Customers with accounts that have been open for more than 30 days receive $1,000 per hour and $2,500 per monthly.

TD Bank

TD Bank mobile deposit limit is $1,000 per customer with accounts open for 3 to 6 month; $2,500 per roll-over 30-day period for customers with accounts that have been open for 6 to 12months; $2,500 per daily for customers with accounts that were opened for 6-12 months; $3,500 per roll-over 30-day period for customers who have had accounts open for at least 1 year; $2,500/day and $6,000 per 30-day period

SunTrust Bank

SunTrust Bank mobile deposit limit is $1,000 per Check and $5,000 per Month. Customers with accounts that have been open for less than 6 months are exempted from this limit. Customers with accounts that have been opened for longer periods of time will be subject to $8,000 per Month.

SunTrust private client clients have a limit of $25,000 per calendar month.

BB&T

BB&T mobile deposit limits are $500 per daily and $1,000 per 30-day period; accounts that have been open for at least 90 consecutive days will be subject to $2,500 per per day and $5,000 for a 30-day period.

Mobile check deposit limits for clients of BB&T Wealth Management are $25,000/month.

Online Banks For Higher Limits From The Start

Banks that are online do not have large ATM or branch networks. So, customers who use online banks typically rely heavily in the mobile app for banking and mobile deposit checks in order to control their account as well as deposit checks.

If the limits are too low, customers might be worried when they receive checks with larger amounts.

Fortunately there are many online banks that understand this issue and provide higher limit for mobile deposits than banks with physical locations.

Mobile Deposit Limits Can Always Change and Differ By Account

It is important to remember that the actual mobile deposit limits for your accounts may differ from the limits above.

These limits can be changed by banks for any reason. These factors could include account age, relationship status and activity as well as account balances.

Your bank might reduce your mobile deposit limit if you have tried to deposit bad checks multiple times. You may be forced to go to an ATM or branch.

The worst case scenario:

You might even lose your mobile deposit privileges.

Customers with multiple accounts at the bank that have larger balances may be eligible to receive higher mobile deposit limits.

Your bank might increase your personal limits if you use the feature frequently.

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