Your mobile check deposit limit depends on your bank, your account type and your history with that bank. Most of the big names, including Chase, Bank of America, Wells Fargo, Capital One, Citi, PNC, TD Bank and U.S. Bank, do not publish a dollar figure. At most of them, your own limit shows inside the app when you start a deposit.
A few banks still put the number in writing. Ally allows $50,000 a day and $250,000 every 30 days. Navy Federal allows $50,000 per business day. Axos allows $50,000 per business day on standard accounts. HSBC allows $4,000 to $25,000 a day depending on the account, and KeyBank allows $7,500 or $20,000 per rolling 30 days.
There is no standard mobile check deposit limit. Each bank sets its own, and 11 of the 17 below do not publish a number.
Limits and cut-off times come from each bank’s own website or mobile deposit agreement. Banks can change them at any time, so the number in your app is the one that counts.
Looking for one bank? Jump to the full table of limits, cut-off times and availability, or to what each bank says.
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Mobile check deposit limits by bank
Here is what each bank publishes. The list covers 17 institutions, from the largest banks in the U.S. to online banks, one credit union and PayPal. Where a bank does not publish a limit, the table says so and, when the bank explains it, tells you where to find yours.
| Bank | Published limit | Cut-off | Money usually available |
|---|---|---|---|
| Ally Bank | $50,000 per business day and $250,000 every 30 calendar days | 7 pm ET | Generally by the second business day |
| Axos Bank | Standard accounts: $50,000 per business day and $150,000 per rolling 30 days. Second Chance: $2,500 and $10,000. Premier, VIP and Advisor: $100,000 and $500,000 | 3 pm PT | Fifth business day after the deposit, sometimes sooner |
| Bank of America | Not published. A monthly limit shows in the app when you select the deposit account | Not listed | Generally the next business day |
| Capital One | Not published. Daily and monthly limits apply, and the app shows your maximum | 9 pm ET | Generally by the next business day |
| Charles Schwab | Not published. Schwab says eligibility requirements and limitations apply | Not listed | Standard hold policies apply |
| Chase | Not published. In the app, choose Deposit checks, pick the account, then Learn More | 11 pm ET | Generally by the next business day |
| Citi | Not published. Citi says deposit limits and other restrictions apply | Not listed | Not listed |
| Citizens | Not published. Daily and monthly limits apply, and the app tells you the amount when you deposit | 10 pm ET | Usually the next business day for withdrawals |
| EverBank | Not published. Formerly TIAA Bank | Not listed | Check your available balance in the app |
| HSBC | Premier: $25,000 a day and $50,000 over 30 days. Advance: $5,000 and $15,000. Personal Banking: $4,000 and $10,000 | 10 pm ET | Follows HSBC’s funds availability rules |
| KeyBank | $20,000 per rolling 30 days on four relationship checking accounts. $7,500 on other accounts | 11 pm ET | Could be the next business day, or right away for a fee |
| Navy Federal Credit Union | $50,000 per business day, and up to 10 check deposits a day on personal accounts | 6 pm ET | Up to $275 the next business day, the rest on the second business day |
| PayPal | $15,000 a month. The terms list both $2,500 and $5,000 as the most for one check | None listed | In minutes for a fee, or in 10 days for free |
| PNC Bank | Not published. Daily and monthly limits show when you select Deposit in the app | 10 pm ET | The next day at no charge, or right away for a fee |
| TD Bank | Not published. Your current limits are posted in the TD Mobile app | 8 pm ET | Generally the next business day |
| U.S. Bank | Not published. Limits show when you enter the check amount in the app | 10 pm CT | First $275 usually right away, the rest typically the next business day |
| Wells Fargo | Not published. Daily and 30-day limits show in the app for each account | 9 pm PT | Generally the next day |
Cut-off times apply on business days. A check you deposit after the cut-off, on a weekend or on a holiday is treated as deposited the next business day. Not listed means the bank’s mobile deposit page does not give that detail.
What each bank says about its mobile deposit limit
Each section below comes from the bank’s own mobile deposit page or agreement, with a link so you can check for changes.
Ally Bank
Ally publishes its limit. You can deposit up to $50,000 in a single business day and up to $250,000 every 30 calendar days with Ally eCheck Deposit, according to Ally’s deposit help page. Deposit before 7 pm ET on a business day and Ally starts processing that evening. The money is generally available by the second business day after the deposit.
Sign the back and write For Mobile Deposit Only. Ally asks for that on every check.
Axos Bank (formerly Bank of Internet)
Bank of Internet USA has been Axos Bank since October 1, 2018. Axos lists its limits in its mobile deposit terms.
- Standard accounts: $50,000 per business day and $150,000 per rolling 30 days
- Second Chance accounts: $2,500 per business day and $10,000 per rolling 30 days
- Premier, VIP and Advisor accounts: $100,000 per business day and $500,000 per rolling 30 days
The catch is the wait. Axos says mobile deposits are available on the fifth business day after the deposit, though it can release the money sooner. The cut-off is 3 pm PT, and Axos tells you to keep the paper check for 30 days before you shred it.
Bank of America
Bank of America does not publish a dollar limit. Its mobile check deposit page says there is a monthly limit and that it is displayed when you select your deposit account. Once you hit it, you cannot deposit another check in the app until the limit resets at the beginning of the next month.
Deposits made on a business day before the cut-off are generally available the next business day, and there is no fee. The page does not describe a way to request a higher limit. For a check that is over yours, use a Bank of America ATM or financial center.
Capital One
Capital One has daily and monthly limits on the dollar amount you can deposit, but it does not print them. The app shows your maximum when you enter the check, according to Capital One’s mobile deposit help page. For anything larger, Capital One says to visit a branch or one of its ATMs.
Submit the deposit by 9 pm ET on a business day and the money is generally available by the next business day. Sign the back and write for Capital One mobile deposit before you take the picture.
Charles Schwab
Schwab does not publish a limit for Schwab Mobile Deposit. Its checking account page says the service is subject to eligibility requirements and limitations, that enrollment is not guaranteed and that standard hold policies apply. If you need your exact limit, ask Schwab.
Chase
Chase does not publish a limit for Chase QuickDeposit. To see yours, sign in to the Chase Mobile app, choose Deposit checks, pick the account and tap Learn More. That is the route Chase’s own instructions give.
Deposits submitted before 11 pm ET on a business day are generally available by the next business day, though Chase can delay that when it wants to review a deposit. Write For electronic deposit only at Chase on the back, and keep the check for two business days or until Chase confirms the deposit. Opening an account there? Look at the current best bank account bonuses first.
Citi
Citi’s mobile check deposit page says only that the service is subject to eligibility and that deposit limits and other restrictions apply. It does not list dollar amounts. The service is free and works with Citibank checking and savings accounts. To use it, open the Payments tab in the Citi Mobile app and choose Deposit Checks. For your own limit, ask Citi.
Citizens Bank
Citizens does not publish its limits. Its mobile deposit page says limits apply and that the app tells you how much you can deposit when you make one. Go over, and the app sends you to an ATM or a branch.
Deposits made before 10 pm ET on a business day are usually available the next business day for withdrawals. Endorse the check For Mobile Deposit to Citizens Only and keep it for 10 days, the retention period in Citizens’ mobile deposit agreement.
EverBank (formerly TIAA Bank)
TIAA Bank became EverBank on August 1, 2023, when TIAA sold the bank. EverBank’s mobile check deposit page does not list a dollar limit or a cut-off time. It says to check your available balance in the app to see when deposited funds are ready to use.
HSBC Bank
HSBC publishes limits by account type on its mobile check deposit page.
- Premier: $25,000 a day and $50,000 over 30 days
- Advance: $5,000 a day and $15,000 over 30 days
- Personal Banking: $4,000 a day and $10,000 over 30 days
A check deposited before 10 pm ET on a business day counts as deposited that day. HSBC asks you to write mobile check deposit and the date on the front of the check and keep it for 90 days.
KeyBank
KeyBank publishes a rolling 30-day limit, not a daily one. Its mobile deposit limits page lists two tiers.
- $20,000: Key Select Checking, Key Privilege Select Checking, Key Privilege Checking and Key Advantage Checking
- $7,500: KeyBank Hassle-Free Account, Key Smart Checking, Key Express Checking, Key4Kids, Key Saver and KeyBank’s money market savings accounts
If you have more than one KeyBank deposit account, your limit is the highest one across your accounts. A standard deposit made before 11 pm ET could be available the next business day at no charge. When the app offers Immediate Funds, it costs 2% of the deposit with a $2 minimum. KeyBank says to hold on to the check for 14 days.
Navy Federal publishes one number. Every account has a $50,000 total limit per business day, and personal accounts can make up to 10 check deposits a day, according to Navy Federal’s mobile deposit page. It does not list a monthly limit.
Deposit Monday through Friday before 6 pm ET and up to $275 is available the next business day, with the rest on the second business day after approval. Write For Mobile Deposit Only at NFCU under your signature, and keep the check for at least five days after the deposit is accepted.
PayPal
PayPal’s Cash a Check feature is not a regular bank deposit. Ingo Money runs it, and the money goes to your PayPal Balance account, as PayPal’s help page explains. You can pay a fee and have the money in minutes, or wait 10 days and pay nothing.
The fee for money in minutes is 2% for payroll and government checks with a pre-printed signature and 5% for every other check, with a $6 minimum. The Ingo terms for PayPal cap you at $15,000 a month. They list two different smaller caps: $2,500 per check and $5,000 a week in one section, and $5,000 per check and $5,000 a day in another. Go by the limit the app shows you. Cash a Check is not available in New York.
PNC Bank
PNC does not publish its limits. It says daily and monthly limits apply and that you can see yours by signing in to the PNC Mobile app and selecting Deposit, according to PNC’s mobile banking help page.
Deposits completed before 10 pm ET on a business day are available the next day at no charge. Want the money right away? PNC Express Funds costs 2.5% of each check over $100, or $2 for a check from $25 to $100. Endorse the check For PNC Mobile Deposit Only and keep it for at least two weeks.
TD Bank
TD Bank sets limits customer by customer. Its mobile deposit terms say TD decides the amount and number of deposits you can make, can change that at any time without notice, and posts your current limits in the TD Mobile app.
Deposits received by 8 pm ET on a business day are generally available the next business day. On a new account, TD releases $275 the next business day and the full amount by the fourth day after the deposit. Endorse the check For mobile deposit only with your TD account number, and destroy it after 14 days.
U.S. Bank
U.S. Bank does not publish a fixed limit. Your limits show when you enter the check amount in the app, or under Transfer & pay, then Transaction limits, according to U.S. Bank’s mobile check deposit page.
The first $275 of your total daily deposits is usually available right away. The rest is typically available the next business day if you deposit before 10 pm CT. There is no fee, and U.S. Bank suggests keeping the check for at least two business days.
Wells Fargo
Wells Fargo does not publish dollar amounts. Your daily and 30-day limits show for each eligible account when you pick the Deposit to account and again on the Enter Amount screen, according to Wells Fargo’s mobile deposit FAQs.
Deposit before 9 pm PT on a business day and the money is generally available the next day. Write For Mobile Deposit at Wells Fargo Only under your signature, then keep the check for five days before you destroy it.
Why your limit is different from someone else’s
Banks tie the limit to the account. Citizens sets its limits by account type. KeyBank gives four relationship checking accounts $20,000 per 30 days and everything else $7,500. HSBC gives Premier customers $25,000 a day and Personal Banking customers $4,000. Axos gives Second Chance accounts $2,500 a day and standard accounts $50,000.
The clock differs too. Some limits are daily, some run on a rolling 30 days, and Bank of America’s resets at the beginning of each month. Banks can also move your limit without warning. TD Bank’s terms say it can change limits at any time without notice.
Can you raise your mobile deposit limit?
None of these banks describes a way to request a higher mobile limit on the pages linked above. What changes the number is the account you hold. If your limit keeps getting in the way, the account matters more than the app, so compare the best checking accounts before you settle for a low one.
How long a mobile check deposit takes to clear
Eight of the 17 say a mobile deposit made before the cut-off is generally available the next business day: Bank of America, Capital One, Chase, Citizens, PNC, TD Bank, U.S. Bank and Wells Fargo. Ally says by the second business day. Navy Federal releases up to $275 the next business day and the rest on the second. Axos says the fifth business day.
Phone deposits do not always follow the federal schedule for paper checks. Regulation CC is the federal rule on check holds. For a paper check deposited at a branch, it requires the first $275 by the next business day, a figure in effect since July 1, 2025. It also lets a bank hold money longer when the account is less than 30 days old, when it has been overdrawn repeatedly, when the bank doubts the check will be paid, or when you deposit more than $6,725 in checks in one day.
The Consumer Financial Protection Bureau says your bank may use a different timetable for checks deposited by phone. Capital One and Axos both state in their mobile deposit terms that those deposits are not subject to Regulation CC’s availability requirements. So the schedule that counts is the one in your bank’s mobile deposit agreement.
Available is not the same as cleared. The Federal Trade Commission warns that fake checks can take weeks to be discovered, and that you are the one who pays the bank back. That is why banks tell you to keep the paper check for a while. Here is how banks verify a check during that wait.
If a hold leaves your balance short and you are thinking about overdrawing, read about ATMs that let you overdraft first.
How to deposit a check with your phone
Checks made up 7% of consumer transactions in 2017 and 2018, and people wrote about three a month, according to a Federal Reserve Bank of Atlanta report. By 2023, almost half of banked households used mobile banking as their main way to reach their account, the FDIC’s household survey found. So when a check does show up, the app is the natural place to deposit it. The steps are nearly the same at every bank.
- Open your bank’s app and choose the deposit option. It is called Deposit Checks at Bank of America and Citi, Deposit checks at Chase and Deposit at Citizens and PNC.
- Pick the account and enter the amount exactly as it is written on the check.
- Sign the back. Most banks also want a line such as For Mobile Deposit Only under your signature. The wording differs by bank, and the sections above give it where the bank publishes it.
- Photograph the front and the back on a dark surface in good light, with all four corners in the frame.
- Review the details and submit. Your bank confirms that it received the deposit.
- Write the date and mobile deposit on the front of the check, then store it until your bank’s retention period is up.
Banks generally take personal, business, cashier’s and government checks drawn on U.S. banks in U.S. dollars. A tax refund check from the Treasury is a government check. They generally do not take foreign checks, money orders, traveler’s checks, savings bonds, checks made out to someone else or checks more than six months old.
What to do when a check is over your limit
A check that is bigger than your mobile limit has to go in another way. The standard routes are one of your bank’s ATMs or a branch. That is where Capital One and Citizens send customers who hit the limit.
Waiting can work when the limit is monthly. Bank of America’s limit resets at the beginning of the next month, and a rolling 30-day limit frees up as your older deposits pass the 30-day mark.
If the check has not been written yet, or you are worried it could be fake, ask to be paid in cash or through an app such as PayPal, Venmo, Cash App or Zelle instead.
Mobile check deposit FAQs
There is no standard limit. Among banks that publish one, Ally allows $50,000 a day and $250,000 every 30 days, Navy Federal allows $50,000 per business day, and KeyBank allows $7,500 or $20,000 per rolling 30 days depending on the account. Chase, Bank of America, Wells Fargo, Capital One, PNC, TD Bank and U.S. Bank do not publish a number and show your own limit in the app.
Start a deposit in your bank’s app. Chase shows it under Deposit checks, then Learn More. Wells Fargo shows your daily and 30-day limits when you pick the account and again on the Enter Amount screen. Bank of America shows a monthly limit when you select the deposit account. U.S. Bank shows it when you enter the check amount. PNC shows it when you select Deposit.
None of the banks covered here describes a way to request a higher limit on its mobile deposit page. The limit follows the account you hold. At banks that publish tiers, the higher tier accounts carry higher limits. KeyBank gives its relationship checking accounts $20,000 per rolling 30 days and its other accounts $7,500. For a single large check, use an ATM or a branch.
Bank of America, Capital One, Chase, Citizens, PNC, TD Bank, U.S. Bank and Wells Fargo say a deposit made before the cut-off on a business day is generally available the next business day. Ally says by the second business day and Axos says the fifth. The earliest cut-offs here are 6 pm ET at Navy Federal and 3 pm PT at Axos, and the latest is 9 pm PT at Wells Fargo. A bank can hold a deposit longer when it wants to review it.
The usual reasons are a blurry or cropped photo, a missing signature or endorsement, an amount that does not match the check, or a check that is over your deposit limit. Banks also turn away checks made out to someone else, checks more than six months old, foreign checks, money orders and traveler’s checks. Fix the photo or the endorsement and try again, or take the check to an ATM or a branch.
Not right away. Keep it until the deposit has fully posted and your bank’s retention period has passed. Chase and U.S. Bank say two business days, Wells Fargo and Navy Federal say five days, Citizens says 10 days, TD Bank and KeyBank say 14 days, PNC says at least two weeks, Axos says 30 days and HSBC says 90 days. Then shred it.
Depositing through your bank’s own app is a standard way to deposit a check, and every bank covered here offers it. The bigger risk is the check itself. The Federal Trade Commission warns that money showing in your account does not mean the check is good, and that a fake check can take weeks to be discovered. Be wary of anyone who pays you by check and asks you to send part of the money back.
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