Citizens Bank’s mobile deposit limit is $5,000/day and $10,000 per 30 days. The cutoff is approximately 11:00 PM ET — one of the latest among Northeast regional banks. Mobile deposit is free.
Citizens Bank Mobile Deposit Limits
| Detail | Amount |
|---|---|
| Daily mobile deposit limit | $5,000 |
| 30-day rolling limit | $10,000 |
| Cutoff time | ~11:00 PM ET |
| Mobile deposit fee | $0 |
Deposit Availability
| When Deposited | When Available |
|---|---|
| Before 11 PM ET (business day) | Next business day |
| After 11 PM ET | 2nd business day |
| Weekend or holiday | Next business day |
The 11 PM ET cutoff is later than most competitors (who use 8–10 PM). This gives Citizens customers more time to deposit checks received during the day.
How to Mobile Deposit at Citizens Bank
- Open the Citizens Bank app
- Tap Deposit Checks
- Select account and enter check amount
- Endorse: “For Citizens Bank Mobile Deposit Only”
- Photograph front and back clearly
- Review and submit
Keep the check for 14 days after confirmation.
Related Guides
- Citizens Bank transfer limit 2026 — Zelle, ACH, wire limits
- Citizens Bank hours 2026 — branch and phone hours
- Citizens Bank fees 2026 — full fee schedule
- Citizens Bank routing number 2026 — by state
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