Bank of America’s mobile deposit limit is $5,000 per day and $10,000 per month for standard checking accounts, with a cutoff of 8:00 PM local time. New accounts under 90 days old have a lower limit of $2,500 per day. The first $225 of any mobile deposit is available the same business day under federal Regulation CC; the remainder clears within 1–2 business days for established accounts. For checks above $5,000, your options are a branch visit, a BofA ATM, or a temporary limit increase by phone.
Bank of America Mobile Deposit Limits by Account Type
Bank of America sets mobile deposit limits based on account type and customer tenure. The limits below apply to personal checking accounts in 2026.
| Account Type | Daily Limit | Monthly Limit |
|---|---|---|
| Advantage SafeBalance Banking | $5,000 | $10,000 |
| Advantage Plus Banking | $5,000 | $10,000 |
| Advantage Relationship Banking | $5,000–$10,000 | $25,000 |
| New accounts (under 90 days) | $2,500 | $5,000 |
| Preferred Rewards Platinum Honors | Higher (custom) | Higher (custom) |
The $5,000 daily limit is the most common experience for BofA checking customers. Advantage Relationship Banking — which requires a linked Merrill account with $100,000+ in combined assets — may carry higher limits, but BofA does not publish the exact figures; the limit is assigned individually at account opening. For customers whose check regularly exceeds $5,000, calling the bank before trying to deposit is faster than hitting the limit and troubleshooting after. See how this compares to other banks at mobile check deposit limits by bank.
Cutoff Times and Posting Schedule
The 8:00 PM local time cutoff is the same for all BofA mobile deposits regardless of account type. The posting date determines when funds availability begins.
| Submission Time | Posted To Account |
|---|---|
| Before 8:00 PM local time (business day) | Same business day |
| After 8:00 PM on a business day | Next business day |
| On Saturday (any time) | Next business day (Monday) |
| On Sunday or a federal holiday | Two business days later |
Missing the cutoff by even a few minutes shifts the entire availability timeline by one business day. If you’re depositing a check you need available urgently, submit it well before 8:00 PM — not at 7:55 PM, since upload time counts. Bank of America’s definition of “business day” excludes federal holidays; see bank holiday schedule for 2026 dates when the cutoff doesn’t apply at all.
How to Mobile Deposit a Check on Bank of America
- Open the Bank of America app and sign in
- Tap Deposit → Deposit a Check
- Select the account you want to deposit into
- Enter the check amount exactly as written
- Sign the back of the check and write “For Mobile Deposit Only at BofA” — without this, BofA may reject the deposit
- Take a clear, flat photo of both the front and back in good lighting (avoid shadows and glare)
- Review the amount and confirm
After submitting, keep the physical check in a safe place for at least 14 days in case of any dispute. Once you’ve confirmed the deposit posted, you can shred or destroy it.
Hold Times by Check Type
Bank of America’s hold policy follows Regulation CC minimums, with additional holds applied for risk factors like new accounts or large amounts.
| Check Type | First Available | Full Availability |
|---|---|---|
| All checks (Reg CC floor) | $225 same business day | Per below |
| BofA checks (drawn on BofA) | $225 same day | 1 business day |
| Other bank checks (standard) | $225 same day | 1–2 business days |
| Checks over $5,525 | $5,300 available days 1–2 | Remainder held ~5 days |
| New account (under 30 days) | $225 same day | Up to 9 business days |
| Accounts with overdraft history | $225 same day | Up to 5 business days |
The $225 same-day availability is a federal requirement under Regulation CC — Bank of America cannot hold the first $225 regardless of account age or check size. The remainder is where BofA has discretion. For new accounts, the up-to-9-business-day hold is the maximum the law allows and is typically applied to accounts less than 30 days old depositing large checks for the first time.
If you need funds faster than the hold allows and cannot visit a branch, when does direct deposit hit explains why electronic deposits (ACH and direct deposit) are typically faster and hold-free — something worth considering if you’re paid by check and need predictable next-day availability.
Preferred Rewards: Higher Limits
Preferred Rewards members with high average balances are eligible for increased mobile deposit limits, though BofA assigns them individually rather than publishing a fixed schedule.
| Preferred Rewards Tier | Required 3-Month Average Balance | Mobile Deposit Benefit |
|---|---|---|
| Gold | $20,000–$49,999 | Standard ($5,000/day) |
| Platinum | $50,000–$99,999 | Higher limits (custom) |
| Platinum Honors | $100,000–$999,999 | Highest limits (custom) |
| Diamond / Diamond Honors | $1,000,000+ | Premium (individually assigned) |
Gold tier typically does not receive a limit increase. Platinum and above can call their dedicated Preferred Rewards line to request higher limits and usually receive faster approval. If you’re approaching the Platinum threshold, the Bank of America fees guide covers the full set of fee waivers that also come with Preferred Rewards status.
What to Do When Your Check Exceeds the Mobile Limit
If your check is larger than $5,000, you have three routes depending on urgency and convenience.
| Option | Details | Availability |
|---|---|---|
| Branch teller deposit | No dollar cap; teller processes same as ATM | First $5,300 within 2 business days |
| BofA ATM deposit | Accepts checks; similar to teller processing | Same as branch |
| Temporary limit increase | Call 1-800-432-1000; may be approved same day | Depends on approval |
For the fastest path to a live agent and tips on what to say, see the Bank of America customer service guide.
Branch deposits are the most reliable for large amounts. Check Bank of America branch hours before heading out — most financial centers are open Monday–Friday 9 AM–5 PM and Saturday 9 AM–1 PM. A $20,000 check deposited at a BofA teller will have $5,300 available by the end of the next business day, with the remainder releasing over the following few days depending on account history. The ATM processes deposits the same way as a teller in most cases — useful if you’re near an ATM but not a branch with open hours. For the full comparison of mobile deposit limits across all major banks, see mobile check deposit limits by bank.
Common Reasons Bank of America Rejects Mobile Deposits
Understanding the rejection reasons prevents repeat failures — BofA does not always provide a detailed explanation in the app.
- Poor image quality — Blurry photos, shadows, or glare on the check; retake in flat, even lighting
- Missing endorsement — The back of the check must be signed and include “For Mobile Deposit Only at BofA”
- Stale-dated check — Checks more than 6 months old are typically rejected; ask the issuer to reissue
- Amount mismatch — The dollar amount you typed doesn’t match the amount written on the check
- Postdated check — A check dated in the future; banks are not required to honor these
- Duplicate deposit — The check was already deposited at this bank or another bank; both may hold or reverse
For a full breakdown of why mobile deposits fail and how to fix each case, see why mobile deposit was rejected.
For a full overview of Bank of America accounts, fees, limits, and contact information, see the Bank of America complete guide.
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