Discover Bank’s mobile deposit limit is $10,000 per day with an 8:00 PM ET cutoff. This is significantly higher than Chase ($2,000/day) and Wells Fargo ($2,500/day), and matches USAA’s limit. The first $225 is available the next business day per federal Regulation CC requirements.
Discover Mobile Deposit: Key Facts
| Detail | Discover |
|---|---|
| Daily deposit limit | $10,000 |
| Cutoff time | 8:00 PM ET |
| Fee | $0 |
| Next-day availability | First $225 (Reg CC) |
| Full availability | 2–5 business days |
| Endorsement required | Sign + “For Mobile Deposit Only” |
Discover Mobile Deposit vs Other Online Banks
| Bank | Daily Limit | Cutoff |
|---|---|---|
| Discover | $10,000 | 8:00 PM ET |
| Ally | $50,000 | 11:00 PM ET |
| USAA | $10,000 | 9:00 PM ET |
| Chime | $2,000 | 5:00 PM ET |
| SoFi | $5,000 | 11:59 PM PT |
| Chase | $2,000 | Varies |
| Wells Fargo | $2,500 | Varies |
Discover’s $10,000 limit is 5× Chase’s limit and 4× Wells Fargo’s limit. For most members receiving payroll checks, tax refunds, or insurance payments, $10,000/day covers all needs.
How to Make a Discover Mobile Deposit
- Endorse the check: Sign the back and write “For Mobile Deposit Only” below your signature
- Open the Discover app → tap Deposit a Check
- Choose the account (checking or savings)
- Photograph front and back — clear lighting, all corners visible
- Enter the amount — verify against the written amount on the check
- Submit before 8 PM ET for next-business-day processing of the $225 Reg CC portion
- Keep the physical check for 14 days after the deposit clears, then shred
Cash Deposits
Discover Bank has no ATM network of its own and no branches, so cash deposits are not directly supported. Options:
- Money order: Purchase a money order at a retailer, then mobile-deposit it (within the $10,000/day limit)
- ACH transfer: Move funds from a bank that accepts cash deposits to Discover via ACH (free, 1–3 days)
This cash deposit limitation is common to all online-only banks and is the primary reason some members maintain a secondary account at a local bank.
Related Guides
- Discover transfer limits 2026 — $10,000/day ACH, Zelle guide
- Discover ATM limits 2026 — $510/day, 60,000+ Allpoint ATMs
- Discover Bank fees 2026 — mobile deposit is free; full fee schedule
- Discover routing number 2026 — 011500120 for direct deposits
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