Truist Bank’s mobile deposit limit is $2,500 per day for standard checking accounts, with a monthly cap of $5,000. The daily cutoff is 8:00 PM Eastern Time on business days. The first $225 of any deposit is available immediately; most standard checks clear fully within one business day.
Truist Mobile Deposit Limits by Account
| Account | Daily Limit | Monthly Limit |
|---|---|---|
| Truist One Checking (new, < 90 days) | $1,000 | $2,500 |
| Truist One Checking (established) | $2,500 | $5,000 |
| Truist Bright Checking | $2,500 | $5,000 |
| Truist Confidence Account | $1,000 | $2,500 |
| Truist Premier Banking / Wealth | $5,000+ | $10,000+ |
Limits are based on typical account tiers and may vary based on individual account history. Limits reset daily at midnight ET.
Truist Mobile Deposit Cutoff Time
Cutoff: 8:00 PM Eastern Time on business days
| Deposit Time | Processing Day |
|---|---|
| Before 8 PM ET, Monday–Friday | Same business day |
| After 8 PM ET on a weekday | Next business day |
| Saturday, any time | Processed Monday |
| Sunday, any time | Processed Monday |
| Federal holiday, any time | Next business day |
Worked example: You receive a $1,500 check and deposit it at 7:45 PM ET on Wednesday. Truist processes it as a Wednesday deposit — $225 is available immediately, and the remaining $1,275 clears Thursday morning. If deposited at 8:10 PM, it’s treated as a Thursday deposit with funds available by Friday.
Truist Funds Availability Schedule
Truist follows federal Regulation CC rules for check availability:
| Check Type | Availability |
|---|---|
| First $225 of any deposit | Immediately upon acceptance |
| Standard checks (established accounts) | 1 business day |
| Cashier’s checks, government checks | 1 business day |
| Large deposits (over $5,525) | Portion above $5,525 held up to 2 additional business days |
| New accounts (< 30 days old) | Up to 5 business days |
| Re-deposited returned checks | Up to 5 business days |
What Truist Mobile Deposit Accepts
Accepted:
- Personal checks
- Business checks
- Cashier’s checks
- Government checks (IRS refunds, Social Security, state tax refunds)
- US Postal Service money orders
Not accepted:
- Foreign checks (drawn on a non-US bank)
- Savings bonds
- Checks made payable to a third party
- Checks already deposited at another institution
- Stale-dated checks (more than 6 months old)
How to Make a Truist Mobile Deposit
- Open the Truist Mobile Banking app
- Tap Deposit → Deposit a Check
- Select the account (checking or savings)
- Enter the check amount
- Photograph the front of the check — all four corners visible on a dark, flat surface
- Photograph the back — you must endorse with your signature and write “For Truist Mobile Deposit Only”
- Confirm and submit before 8 PM ET for same-day processing
Keep the physical check for at least 14 days after it clears in case of a dispute or return.
How to Increase Your Truist Mobile Deposit Limit
- Call Truist customer service at 1-844-487-8478 — available 24/7
- Request a mobile deposit limit review
- Eligibility requirements: account open 90+ days, no returned check history, no unresolved overdrafts
For larger one-time deposits that exceed your limit, any Truist branch teller can process the deposit without a daily cap — bring a valid government-issued photo ID.
Truist Mobile Deposit vs. Competitors
| Bank | Standard Daily Mobile Deposit Limit |
|---|---|
| Truist (standard) | $2,500 |
| Chase (standard) | $2,000 |
| TD Bank (standard) | $2,500 |
| PNC (standard) | $2,500 |
| Wells Fargo (standard) | $2,500 |
| Bank of America (standard) | $10,000 |
Truist’s $2,500 standard limit is in line with most major regional banks. Bank of America stands out with a $10,000 standard limit. Truist’s 8 PM ET cutoff matches TD Bank and is standard for the industry.
See the full Truist guide for fees, ATM limits, and transfer limits.
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