What is Ally Bank's mobile deposit limit?

Ally Bank's mobile check deposit limit is $50,000 per day. This is one of the highest standard mobile deposit limits available among major banks and online banks. There is no stated monthly cap — the $50,000 limit resets each calendar day.

When does Ally Bank mobile deposit post?

Checks deposited before 11:00 PM ET on a business day are processed that business day. The first $300 of a deposit is typically available the next business day; the remainder clears within 2–5 business days depending on the check amount and your account history. Established Ally customers with strong history often see faster availability.

How do I make a mobile deposit with Ally Bank?

Open the Ally mobile app, tap Deposit, select your account, enter the check amount, take a front and back photo of the check, and submit. Sign the back of the check and write 'For Ally Mobile Deposit Only' under your signature before photographing. Keep the physical check for at least 5 business days after confirmation.

Can I deposit more than $50,000 in a day at Ally Bank?

If you need to deposit more than $50,000 in a single day, contact Ally Bank at 1-877-247-2559 to request a temporary limit increase, or split large deposits across multiple business days. You can also initiate an ACH transfer from another institution for amounts up to $150,000/day.

Does Ally Bank accept cash deposits?

No. Ally Bank does not accept cash deposits. As an online-only bank with no branch network, Ally cannot accept physical cash. To deposit cash, you would need to deposit it at a physical bank and then ACH transfer to Ally. Some customers keep a second account at a local credit union for this purpose.

Ally Bank Mobile Deposit Limit 2026: $50,000/Day — Highest Among Online Banks

Ally Bank’s mobile deposit limit is $50,000 per day — the highest standard limit among major online banks. There is no monthly cap; the limit resets each calendar day. The mobile deposit cutoff is 11:00 PM ET, and the first $300 of each deposit is typically available the next business day.

Ally Bank Mobile Deposit Limits at a Glance

Limit	Amount
Daily mobile deposit limit	$50,000
Monthly mobile deposit limit	No stated cap
Minimum check amount	$1
Deposit cutoff time	11:00 PM ET (business days)
First $300 availability	Next business day
Full deposit availability	2–5 business days (varies)
Cash deposits	Not accepted

How to Deposit a Check with Ally Bank

Open the Ally mobile app on iOS or Android
Tap Deposit from the home screen
Select the account you want to deposit into (Checking, Savings, or Money Market)
Enter the exact check amount
Sign the back of the check and write “For Ally Mobile Deposit Only” below your signature — this endorsement is required
Take a photo of the front of the check — ensure all four corners are visible on a flat, contrasting surface
Take a photo of the back of the check (endorsed side)
Review the details and tap Submit
Keep the physical check for at least 5 business days after receiving confirmation, then destroy it

When Will My Deposit Be Available?

Deposit Scenario	Availability
First $300 of any check	Next business day
Checks under $225 (established accounts)	Next business day (full amount)
Checks $225–$50,000	2–5 business days (remainder after $300)
Deposits after 11 PM ET cutoff	Processed next business day
Checks from new customers	May hold up to 7 business days
Government and cashier’s checks	Often faster — next business day in full

Example: You deposit a $5,000 personal check at 9 PM ET on Monday. The first $300 is available Tuesday morning. The remaining $4,700 clears by Thursday or Friday (2–3 business days), depending on the issuing bank.

How Ally’s Mobile Deposit Limit Compares

Bank	Daily Mobile Deposit Limit	Monthly Limit
Ally	$50,000	None stated
Bank of America	$10,000	Varies
Capital One	$10,000	$25,000
Chase	$2,000 (standard)	$5,000–$10,000
Wells Fargo	$2,500 (standard)	$5,000
TD Bank	$2,500	$7,500
Truist	$2,500	Varies

Ally’s $50,000 daily limit is 5× Bank of America’s limit and 25× Chase’s standard limit. For small business owners, freelancers, landlords, or anyone who regularly deposits large checks, Ally’s mobile deposit capability is a significant practical advantage.

Depositing Amounts Over $50,000

If you need to move more than $50,000 in a day:

Request a temporary increase: Call 1-877-247-2559. Ally may approve a higher one-time limit for established customers with strong account history.
Split across days: If timing allows, deposit $50,000 today and the remainder tomorrow.
ACH transfer instead: If the payer can initiate an ACH, Ally accepts incoming ACH transfers up to $150,000/day — no mobile deposit involved.
Wire transfer: Incoming domestic wires have no limit and are free to receive.

Cash Deposits: Not Available at Ally

Ally Bank cannot accept cash deposits — there are no branch tellers and no cash-accepting ATMs in the Allpoint network. Options for customers who receive cash:

Deposit cash at a second bank or credit union and ACH transfer to Ally (1–3 business days)
Purchase a money order and mobile deposit the money order into Ally
Use a prepaid card with cash reload capability, then link it for ACH transfer (fees may apply)

Many Ally customers keep a basic account at a local credit union for cash handling and use Ally as their primary savings and interest-bearing checking account.

Ally Bank transfer limits 2026 — ACH $150,000/day, Zelle $5,000/day, wire options
Ally Bank ATM limits 2026 — $1,000/day, 43,000+ free Allpoint ATMs
Ally Bank customer service 2026 — 24/7 phone and chat
Ally Bank fees 2026 — no monthly fees, no overdraft fees

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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