The fastest way to increase your mobile deposit limit is to call your bank directly and request a temporary increase for a specific check — most banks approve same-day when you explain the amount and reason. For longer-term solutions, upgrading to a premium checking account, building 12+ months of account history without overdrafts, or switching to an online bank with higher built-in limits are all effective paths. The key is knowing which option fits your timeline and how often you need higher limits.
Method 1: Call Your Bank and Request an Increase
Calling your bank is the fastest option — most banks can approve a same-day temporary limit increase while you’re on the phone, provided your account is in good standing.
| Bank | Phone Number | What to Request |
|---|---|---|
| Chase | 1-800-935-9935 | “Temporary mobile deposit limit increase for a specific check” |
| Bank of America | 1-800-432-1000 | “Mobile deposit limit increase — I have a check larger than my current limit” |
| Wells Fargo | 1-800-869-3557 | “Temporary or permanent mobile deposit limit increase” |
| Capital One | 1-877-383-4802 | “Mobile deposit limit increase” |
| Citibank | 1-800-374-9700 | “Mobile deposit limit increase” |
When you call, be specific: name the exact check amount and who it’s from. “I have a $7,500 check from selling my car and my mobile limit is $5,000” is far more actionable than a general request. Banks are much more likely to approve a temporary increase when they understand exactly what you’re depositing. Also ask whether the increase is temporary (for this one check) or permanent — and if temporary, how long it lasts and when it takes effect.
If you’re approved for a temporary increase, deposit the check before it expires — typically 24–72 hours after the call.
Method 2: Upgrade Your Checking Account
Premium checking accounts at major banks come with higher mobile deposit limits as a built-in benefit, alongside other perks like waived fees, higher ATM limits, and relationship pricing on loans.
| Bank | Premium Account | Standard Limit | Premium Limit |
|---|---|---|---|
| Chase | Sapphire Banking ($75K minimum) | $2,500/day | Up to $10,000/day |
| Chase | Premier Plus Checking ($15K minimum) | $2,500/day | Up to $5,000/day |
| Wells Fargo | Portfolio by Wells Fargo ($25K minimum) | $2,500/day | Up to $10,000/day |
| Bank of America | Advantage Relationship / Preferred Rewards | $5,000/day | Up to $10,000+/day |
| US Bank | Gold / Platinum / Pinnacle | Varies | Higher by tier |
Premium accounts typically require maintaining a minimum balance or meeting other relationship criteria to waive the monthly fee. If you’re already maintaining a substantial balance, the upgrade may cost nothing in practice while giving you a permanent higher limit. For a full comparison of account costs, see monthly maintenance fees by bank.
Method 3: Build Account History
Banks automatically review mobile deposit limits — typically at the 6-month and 12-month marks — and raise them for accounts that demonstrate responsible use. You won’t be notified; the limit simply increases when eligibility criteria are met.
Factors that trigger automatic limit increases:
- 12+ months of account history with no overdrafts or returned checks
- Consistent positive average daily balance (the higher, the better)
- Regular deposit activity showing the account is your primary banking relationship
- No history of mobile deposit fraud flags or rejected deposits
What works against you:
- Overdraft history (even one or two incidents can suppress your limit for months)
- Low or irregular account balances
- Depositing many low-value checks (can sometimes trigger fraud review)
- History of returned deposits (checks that bounced)
If you’ve had overdraft issues, focus on maintaining a positive balance for at least 6 months before requesting an increase — banks are significantly more likely to grant raises to accounts with clean recent history.
Method 4: Switch to an Online Bank
Online banks set much higher mobile deposit limits than traditional banks because they have no physical branches — mobile and ATM deposits are their primary deposit channels.
| Bank | Daily Mobile Deposit Limit | 30-Day Limit |
|---|---|---|
| Charles Schwab | $100,000 | Not published |
| Ally Bank | $50,000 | $250,000 |
| Discover Bank | $10,000 | Not published |
| Marcus by Goldman Sachs | $10,000 | Not published |
| SoFi | $5,000 | Not published |
If you regularly receive checks over $5,000 — from freelance clients, rental income, business payments, or investment distributions — the limits at traditional banks become a recurring friction point. Ally Bank ($50,000/day) and Charles Schwab ($100,000/day) eliminate this problem entirely for most customers. For a full review of Ally’s features, see Ally Bank review. For a broader comparison of top options, see best free checking accounts.
For a bank-by-bank breakdown of all mobile deposit limits including standard and premium tiers, see mobile check deposit limits by bank.
Method 5: Use an ATM Instead
If your mobile limit isn’t raised in time for a specific check, most major bank ATMs accept check deposits without the same daily limit restrictions as mobile deposit.
| Bank | ATM Check Deposit | Processing Speed |
|---|---|---|
| Chase | Full-service ATMs nationwide | Same or next business day |
| Bank of America | Full-service ATMs nationwide | Same or next business day |
| Wells Fargo | No-envelope check deposit | Same or next business day |
| Capital One | Capital One ATMs | Next business day |
ATM deposits generally process on the same timeline as mobile deposits under Regulation CC. The first $225 is available the next business day; the remainder follows your bank’s standard hold schedule. For details on how hold times work, see mobile deposit hold times.
What to Do for a Very Large Check (Over $10,000)
For checks over $10,000 — real estate closings, lawsuit settlements, inheritance, business payments — no mobile or ATM deposit limit will cover it at most traditional banks. Your options:
-
Visit a bank branch in person — tellers have no upper deposit limit. Bring a government-issued ID. Large deposits ($10,000+) trigger Currency Transaction Report (CTR) filing requirements, which the bank handles automatically — it’s not a problem for legitimate funds, just a regulatory requirement.
-
Ask the payer to send a wire transfer instead — wires have no practical size restriction, settle the same business day if sent before cutoff, and bypass mobile deposit entirely. There’s typically a small outgoing wire fee on the sender’s end ($25–$35); see bank wire transfer fees and wire transfer time for details.
-
Ask the payer to split into two checks — if the payer can issue two separate checks across two business days, mobile deposit limits are easier to work within. Not always practical, but sometimes the simplest solution.
-
Use a cashier’s check or official bank check — some banks treat cashier’s checks differently from personal checks in their mobile deposit systems, with higher or no limits. Call your bank first to confirm how they handle cashier’s checks before attempting the deposit.
For related guides, see mobile check deposit limits by bank, Chase mobile deposit limit, Bank of America mobile deposit limit, Wells Fargo mobile deposit limit, Capital One mobile deposit limit, mobile deposit hold times, why mobile deposit was rejected, and how long for a check to clear.
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy