Synchrony Bank supports mobile check deposit up to $10,000 per day, with a 5:00 PM ET cutoff for same-day processing. Here is everything you need to know for 2026.
Synchrony Mobile Deposit Limits
| Limit type | Amount |
|---|---|
| Daily mobile deposit limit | $10,000 |
| Monthly mobile deposit limit | $10,000 |
| Single check limit | $10,000 |
These limits are higher than many retail banks (which often cap mobile deposit at $2,500–$5,000/day), consistent with Synchrony’s savings-focused customer base.
Fund Availability
| Check type | Immediate | Full availability |
|---|---|---|
| Standard check | $225 | Next business day |
| Large check (over $5,525) | $225 | 2nd business day |
| New account (< 30 days) | $225 | 5–7 business days |
| Government check or cashier’s check | $225 | Next business day |
The first $225 is available immediately under Regulation CC regardless of check type.
Mobile Deposit Cutoff Time
- Cutoff: 5:00 PM Eastern Time
- Before 5:00 PM ET on a business day → processed same day
- After 5:00 PM ET or on weekends/holidays → processed next business day
How to Make a Mobile Deposit at Synchrony
- Download the Synchrony Bank app (iOS or Android)
- Log in and tap Deposit or Deposit a Check
- Select the account to deposit into (HYSA or CD if applicable)
- Enter the check amount
- Photograph the front of the check (flat, well-lit surface)
- Sign the back: write “For Synchrony Mobile Deposit Only” + your signature
- Photograph the back
- Review and submit
- Keep the paper check for 60 days before shredding (Synchrony recommends a longer retention period than most banks)
Alternative Deposit Methods
Since Synchrony is online-only with no branches, other deposit options include:
- ACH transfer from a linked external bank account (most common)
- Wire transfer (for large amounts, using routing 021213591)
- Direct deposit from employer or government (routing 021213591)
- Mail a check to: Synchrony Bank, PO Box 105972, Atlanta, GA 30348
For most customers, ACH transfer from a linked checking account is faster and has higher limits than mobile deposit.
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