SoFi’s mobile deposit limit is $5,000 per day and $10,000 per 30-day period. The cutoff is 11:59 PM Pacific Time. Deposits over these limits are rejected — for large checks, ACH transfer or wire transfer are alternatives. SoFi applies no fee for mobile deposit.
SoFi Mobile Deposit Quick Reference
| Detail | Limit |
|---|---|
| Daily deposit limit | $5,000 |
| 30-day rolling limit | $10,000 |
| Cutoff time | 11:59 PM PT |
| Fee | $0 |
| Endorsement | Sign + “For Mobile Deposit Only” |
| Next-day availability | First $225 (Reg CC) |
| Full availability | 1–2 business days (most checks) |
SoFi Mobile Deposit Limit vs Other Banks
| Bank | Daily Mobile Deposit Limit | 30-Day Limit |
|---|---|---|
| Schwab | $100,000 | Not published |
| Fidelity | $100,000 | Not published |
| Ally | $50,000 | Not published |
| Discover | $10,000 | Not published |
| SoFi | $5,000 | $10,000 |
| USAA | $10,000 | Varies |
| Chime | $2,000 | $10,000 |
| Chase | $2,000 | $5,000 |
| Bank of America | $2,500 | $10,000 |
SoFi’s $5,000 daily limit is moderate — higher than traditional banks like Chase or Bank of America, but lower than Ally, Discover, and significantly lower than Schwab or Fidelity. The 30-day rolling limit of $10,000 may be restrictive for users who regularly deposit large checks.
What to Do if Your Check Exceeds $5,000
If you receive a check above SoFi’s $5,000 daily mobile deposit limit:
| Option | How |
|---|---|
| Split deposits over 2+ days | Deposit $5,000 today, remainder tomorrow (subject to 30-day limit) |
| ACH transfer from external bank | No SoFi cap on ACH pulls |
| Wire transfer | Incoming domestic wire: free, same-day |
| In-person deposit | SoFi has no branches; use ACH or wire |
If the check is above $10,000 (your 30-day cap), contact SoFi support at 1-855-456-7634 to request a temporary limit increase.
How to Make a SoFi Mobile Deposit
- Endorse the check: Sign the back and write “For Mobile Deposit Only” below your signature
- Open the SoFi app → tap Deposit
- Select your checking account
- Photograph front and back of the check
- Enter the check amount
- Submit before 11:59 PM PT for same-day processing
- Keep the check for at least 15 days after it clears, then shred
Related Guides
- SoFi transfer limit 2026 — $50K/day ACH, $500/day Zelle, instant transfers
- SoFi ATM limit 2026 — $500/day, 55,000+ Allpoint ATMs
- SoFi fees 2026 — $0 monthly, $0 in-network ATM
- SoFi routing number 2026 — 084106768
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