Fidelity Cash Management Account’s mobile deposit limit is $100,000 per day — one of the highest in the US banking industry, matching Charles Schwab. The cutoff is 4:00 PM Eastern Time. Fidelity charges no fee for mobile deposit.
Fidelity Mobile Deposit Quick Reference
| Detail | Fidelity CMA |
|---|---|
| Daily deposit limit | $100,000 |
| Cutoff time | 4:00 PM ET |
| Fee | $0 |
| Next-day availability | First $225 (Reg CC) |
| Full availability | 1–2 business days (most checks) |
| Endorsement required | Sign + “For Mobile Deposit Only” |
Fidelity Mobile Deposit vs Other Banks
| Bank | Daily Mobile Deposit Limit |
|---|---|
| Fidelity CMA | $100,000 |
| Charles Schwab | $100,000 |
| Ally | $50,000 |
| USAA | $10,000 |
| Discover | $10,000 |
| SoFi | $5,000 |
| Chime | $2,000 |
| Chase | $2,000 |
| Bank of America | $2,500 |
| Wells Fargo | $2,500 |
Fidelity and Schwab share the highest standard mobile deposit limit at any major US consumer bank.
Why the $100,000 Limit Matters
For most consumers depositing paychecks under $5,000, any bank’s mobile deposit limit is sufficient. Fidelity’s $100,000 limit becomes significant for:
- Realtors receiving large commission checks
- Business owners depositing large client payments
- Investors receiving proceeds checks from investment liquidations
- Retirees receiving large one-time distributions (IRA distributions, pension lump sums)
- Settlement recipients depositing legal settlement checks
Funds Availability Timeline
| Check Type | First Available | Fully Available |
|---|---|---|
| First $225 of any deposit | Next business day | — |
| Payroll / direct paycheck | 1 business day | 1–2 days |
| Government / Treasury checks | 1 business day | 1–2 days |
| Personal checks | 2 business days | 2–5 days |
| Checks over $5,525 (excess) | Up to 7 extra days | Up to 9 days total |
Fidelity follows Regulation CC. First $5,525 of most check deposits is available within 2 business days. Amounts above $5,525 may be held up to 7 additional days.
How to Make a Fidelity Mobile Deposit
- Endorse the check: Sign the back and write “For Mobile Deposit Only” below your signature
- Open the Fidelity app → tap Transact → Deposit
- Select your Cash Management Account
- Photograph front and back — good lighting, all four corners visible
- Enter the exact check amount
- Submit before 4:00 PM ET for same-day processing
- Keep the original check for at least 15 days after it clears
Related Guides
- Fidelity wire transfer limit 2026 — free incoming, $10 outgoing domestic
- Fidelity ATM limit 2026 — unlimited worldwide ATM reimbursement
- Fidelity fees 2026 — $0 monthly, $0 foreign transaction, $10 outgoing wire
- Fidelity vs Schwab 2026 — mobile deposit, ATM, FDIC compared
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