Charles Schwab’s Investor Checking mobile deposit limit is $100,000 per day — one of the highest in the US banking industry. This is 5× USAA ($10,000/day), 10× Chase ($2,000/day), and matches Fidelity’s Cash Management limit. The cutoff time is 4:00 PM Eastern Time.
Schwab Mobile Deposit: Key Facts
| Detail | Schwab Investor Checking |
|---|---|
| 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” |
How Schwab’s $100,000 Limit Compares
| Bank | Daily Mobile Deposit Limit |
|---|---|
| Charles Schwab | $100,000 |
| Fidelity CMA | $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 |
Schwab and Fidelity share the highest standard mobile deposit limit available at US consumer banks. This is particularly valuable for:
- Investment-related transactions (proceeds of asset sales deposited via check)
- Business and consulting payments
- Real estate-related disbursements
- Large insurance or settlement checks
Funds Availability
| Check Type | Typical Availability |
|---|---|
| First $225 of any deposit | Next business day (Reg CC) |
| Schwab/brokerage checks | 1–2 business days |
| Payroll checks | 1–2 business days |
| Government checks | 1–2 business days |
| Personal checks | 2–5 business days |
| Checks over $5,525 | Extended hold up to 7 days possible |
For large checks over $5,525, Schwab may place a hold on the amount above $5,525 for up to 7 additional days per Regulation CC. The $225 next-day and first $5,525 within 2 days portions are still released per standard Reg CC timelines.
How to Make a Schwab Mobile Deposit
- Endorse the check: Sign the back and write “For Mobile Deposit Only” below your signature
- Open the Schwab app → tap Deposit (dollar sign icon)
- Select your Investor Checking account
- Photograph front and back — ensure all four corners are visible, good lighting
- Enter the check amount
- Submit before 4 PM ET for next-business-day processing
- Keep the physical check for 15 days after deposit clears, then shred
Related Guides
- Schwab wire transfer limits 2026 — free domestic wires, limits
- Schwab ATM limits 2026 — unlimited worldwide ATM reimbursement
- Schwab fees 2026 — $0 monthly, $0 foreign transaction, $0 wire
- Schwab vs Fidelity 2026 — mobile deposit, ATM, and fee comparison
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