Mobile check deposit lets you deposit checks from your phone in seconds — no branch visit required. But limits, hold times, and rejection rules vary widely by bank. Here’s everything you need to know to deposit checks smoothly.
Mobile Deposit Limits by Bank (2026)
| Bank | Standard Daily Limit | New Account Limit (First 30–90 days) | 30-Day Rolling Limit |
|---|---|---|---|
| Ally Bank | $50,000 | $10,000 | $250,000 |
| Charles Schwab | $100,000 | $5,000 | $500,000 |
| Discover Bank | $10,000 | $2,500 | $50,000 |
| Marcus by Goldman Sachs | $10,000 | $1,000 | $30,000 |
| Chase | $2,500–$10,000 | $2,500 | Varies |
| Bank of America | $5,000 | $1,000 | $10,000 |
| Wells Fargo | $2,500 | $1,000 | $5,000 |
| Capital One | $5,000 | $2,500 | $10,000 |
| Citi | $5,000 | $500 | — |
| US Bank | $2,500 | $500 | — |
How Regulation CC Governs Mobile Deposit Holds
Regulation CC is the federal rule that sets minimum funds availability requirements for all US banks:
- Same business day: First $225 of any deposit
- Next business day: Government checks, cashier’s checks, certified checks
- 2 business days: Checks from the same bank
- Standard (up to 5 days): Personal checks from other banks
- Extended hold (up to 9 days): New accounts under 30 days old, checks over $5,525, accounts with 6+ overdrafts in 6 months, redeposited returned checks
Key detail: Deposits made after the cutoff time (typically 9 PM local time) are treated as the next business day’s deposit, pushing all availability dates out by one full day.
Why Mobile Deposit Limits Are Lower for New Accounts
Banks cannot verify the legitimacy of a check as quickly through mobile channels as they can in a branch (where a teller can call the issuing bank). For new accounts, the bank has no transaction history to assess risk, so limits start low — $500 to $2,500 at most banks.
After 90 days of activity with no returned deposits or overdrafts, most banks automatically increase mobile deposit limits. You can also request an increase at any time by calling customer service.
Mobile Deposit Articles in This Cluster
Mobile Check Deposit Limits by Bank — 2026 Full Table
Daily and 30-day limits at Chase, Bank of America, Wells Fargo, Ally, Marcus, Discover, and 20+ more banks.
How to Increase Your Mobile Deposit Limit
Call your bank, upgrade your account, or wait for automatic increases — step-by-step instructions for raising your limit.
Mobile Deposit Hold Times — Regulation CC Explained
Why banks hold mobile deposits, how long holds last by check type, and how to get funds released faster.
Why Was My Mobile Deposit Rejected?
The 12 most common rejection reasons and exactly how to fix each one before re-depositing.
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