BMO Bank’s standard mobile deposit limit is $5,000 per business day. The cutoff for same-business-day processing is approximately 9:00 PM CT. Deposits after the cutoff are processed the next business day.
BMO Bank Mobile Deposit Summary
| Detail | Limit |
|---|---|
| Standard daily limit | $5,000 |
| Typical new account limit | $1,000–$2,500 |
| Cutoff time | ~9:00 PM CT (business days) |
| Standard hold on new accounts | Up to 2 business days |
| Fee | None |
Mobile Deposit Cutoff Times
| Deposit time | Processed |
|---|---|
| Before ~9:00 PM CT (Mon–Fri) | Same business day |
| After ~9:00 PM CT | Next business day |
| Weekends | Following Monday |
How to Make a BMO Mobile Deposit
- Open the BMO mobile app
- Select Deposit Checks (or “Deposit”)
- Select the account to deposit into
- Enter the check amount
- Photograph front and back of the endorsed check
- Review and submit
- Write “Mobile Deposit — [date]” on the check and retain for 14 days
Mobile Deposit Comparison
| Bank | Daily Limit | Cutoff |
|---|---|---|
| BMO | $5,000 | ~9PM CT |
| Citizens | $5,000 | ~11PM ET |
| Fifth Third | $5,000 | ~9PM ET |
| Huntington | $5,000 | ~10PM ET |
| Regions | $5,000 | ~8PM CT |
Related Guides
- BMO Bank transfer limit 2026 — Zelle, ACH, wire limits
- BMO Bank fees 2026 — $0 monthly (e-statements), wire fees
- BMO Bank customer service 2026 — 1-888-340-2265
- BMO Bank routing number 2026 — 071000288
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