Transfer and cash limits
Mobile deposit limits by bank
Enter the check amount. The tool lists each bank’s published mobile deposit limit and its app cutoff; most banks show the limit only inside the app.
Providers publishing a figure, of 17
1
The others show their limit only inside the app or online banking.
| Bank | Limit | Cutoff |
|---|---|---|
| Navy Federal Credit Union | $50,000 a day | 6 p.m. ET |
| Chase | not published | 11 p.m. ET |
| Bank of America | not published | 9 p.m. ET |
| Wells Fargo | not published | 9 p.m. PT |
| Citi | not published | 10:30 p.m. ET |
| U.S. Bank | varies by location | 10 p.m. CT |
| PNC | not published | 10 p.m. ET |
| Truist | not published | 9 p.m. ET |
| Capital One | not published | 9 p.m. ET |
| TD Bank | not published | 8 p.m. ET |
| Regions | not published | 8 p.m. CT |
| M&T Bank | not published | 10 p.m. ET |
| USAA | not published | 9 p.m. CT |
| Fifth Third | not published | not published |
| Citizens | page not readable | page not readable |
| Huntington | page not readable | page not readable |
| KeyBank | page not readable | page not readable |
Deposits sent after the cutoff count on the next business day; the hold then follows Regulation CC.
Everything you enter stays in this browser: nothing is sent or stored.
A mobile deposit limit caps the value of checks you can deposit by photo in a day, and sometimes in a month. Few banks print a figure. Among the deposit pages and agreements read on October 27, 2026, Navy Federal is the clearest: $50,000 per business day on all accounts, with at most ten checks a day on personal accounts (Navy Federal). U.S. Bank says its limits vary by account, history and relationship and can be as low as $50 for accounts open less than ninety days (U.S. Bank). Chase, Wells Fargo, PNC, TD Bank, USAA and Bank of America say the limit is shown in the app when you start a deposit; Bank of America adds a monthly limit there. Capital One’s remote deposit terms confirm that daily and monthly limits exist without stating them, and M&T ties the limit to how long you have used online banking. A check above your limit is not refused by the bank, only by the app: deposit it at a branch or an ATM, where no such cap applies. A large check can still be held under the large deposit exception of Regulation CC, for the part above $6,725 in a day (12 CFR 229.13(b)).
Fees, limits and rules read by Radif Partners · Editorial policy · Method
Published mobile deposit limits
| Bank or app | Limit | Cutoff | Condition |
|---|---|---|---|
| Navy Federal Credit Union | $50,000 a day | 6 p.m. ET | per business day, all accounts; 10 checks a day on personal accounts |
| U.S. Bank | varies by location | 10 p.m. CT | by account, history and relationship; can be as low as $50 for accounts under 90 days |
| Chase | not published | 11 p.m. ET | shown in the app |
| Bank of America | not published | 9 p.m. ET | monthly limit shown in the app |
| Wells Fargo | not published | 9 p.m. PT | shown per account in the app |
| Citi | not published | 10:30 p.m. ET | |
| PNC | not published | 10 p.m. ET | shown in the app |
| Truist | not published | 9 p.m. ET | |
| Capital One | not published | 9 p.m. ET | daily and monthly limits exist |
| TD Bank | not published | 8 p.m. ET | shown in the app |
| Regions | not published | 8 p.m. CT | |
| M&T Bank | not published | 10 p.m. ET | depends on online banking tenure |
| USAA | not published | 9 p.m. CT | shown in the app |
“Not published” means the bank’s public pages read for this site do not give a number; the figure exists, and the app displays it. The cutoff column shows the time until which a deposit counts for that business day.
A check above the limit
The mobile limit applies to the app only. The same check can be deposited at a teller or at one of the bank’s ATMs, which accept it without the app’s ceiling. Splitting a check is not possible, and depositing several checks across days only helps when each is under the limit. If a payer is sending you a large amount, a wire or an ACH transfer arrives without any deposit limit and is available the next business day.
Large deposits can still be held
Once accepted, a large mobile deposit follows Regulation CC. When checks deposited the same day exceed $6,725, the bank can hold the excess for a reasonable extra period, typically five more business days, and must tell you. The calculator below shows which part of a day’s deposits can be held under that exception.
How much of a big deposit can be held longer?
Part that can wait longer
$1,275
| Protected by the normal schedule | $6,725 |
| Last day for the held part | business day 7 (Thursday) |
| Written notice required | yes (§ 229.13(g)) |
Threshold $6,725 a banking day since Tuesday, July 1, 2025 (§ 229.13(b)).
Why banks limit photo deposits
A check deposited by photo leaves the paper check with you, so the bank has fewer means to spot alterations, and the same check could be presented again elsewhere. Fake check scams rely on this channel: a stranger sends a check, asks you to deposit it in the app and send part back before it bounces. The limit, set low for new accounts, reduces the bank’s loss in those cases, and yours. A check from someone you do not know is better taken to a teller, who can examine it.
Keeping the paper check
Banks ask you to endorse a mobile deposit with your signature and a mention such as “For mobile deposit only at” followed by the bank’s name; the app’s instructions give the exact wording, and a check without it can be rejected. Keep the check until the deposit has cleared, then destroy it. If the deposit is returned, the original check is the evidence you need to ask the payer for another payment.