What Bank of America's mobile deposit limit is

Bank of America sets a daily limit of $2,500 and a monthly limit of $25,000 for mobile deposits through their mobile app. These limits apply to most personal checking and savings accounts. The daily limit resets at midnight Eastern Time, and the monthly limit resets on the first day of each calendar month.

The limits exist partly as a fraud safeguard — mobile deposits are riskier than in-person transactions because the bank cannot physically inspect the check. They also reflect the volume most households actually deposit this way. If you regularly hit these caps, you may want to know your alternatives.

Key Takeaways

  • Bank of America's standard mobile deposit limit is $2,500 per day and $25,000 per month for most personal accounts.
  • Limits reset at midnight Eastern Time daily and on the first of each month, so timing your deposits matters if you are near the cap.
  • Business accounts, premium accounts, and accounts with longer banking history may have higher limits, but you have to contact the bank to find out yours.
  • If you exceed the limit, the deposit will be rejected immediately in the app — you cannot deposit it and wait for approval.
  • Depositing by mail, at an ATM, or in a branch are the main ways around mobile deposit limits without changing accounts.

How limits differ by account type

Bank of America does not publish a single limit that applies to everyone. Personal checking accounts typically start at the $2,500 daily and $25,000 monthly limits, but Business accounts, Premium accounts, and accounts held for several years may have higher ceilings. The bank also raises limits for customers with good standing and no history of fraud or disputes.

The only way to know your specific limit is to open the mobile app, attempt a deposit, or call Bank of America directly at 1-800-432-1000. The app will tell you your remaining daily and monthly balance before you submit the deposit. Do not assume your limit matches someone else's — it depends on your account type and history with the bank.

What happens when you hit the limit

If you try to deposit a check and you have already used your daily or monthly limit, the app will reject the deposit before you submit it. You will see an error message stating that you have reached your limit. The check is not held in a queue waiting for the next day or month — it is simply refused, and you must use another method to deposit it.

This rejection is immediate and final for that transaction. You cannot override it or request an exception through the app. If you need to deposit the check urgently, you will have to visit a branch, use an ATM, or mail it to Bank of America.

Depositing by mail, ATM, or branch when you hit the limit

If mobile deposit is not an option, Bank of America offers three alternatives. ATM deposits at Bank of America machines do not count toward your mobile deposit limit — they are a separate transaction type with their own rules. Most ATMs accept checks and cash, and deposits are usually available within one business day.

In-branch deposits have no limit. You can walk into any Bank of America branch with a check and deposit it directly to a teller. This is the fastest way to deposit a large check or multiple checks at once.

Mail deposits take longer — typically five to seven business days — but they also have no limit. Bank of America provides a mailing address on their website and in your account statements. Include a deposit slip with your account number and the amount of each check.

Requesting a higher mobile deposit limit

You can contact Bank of America to request an increase to your mobile deposit limit, but approval is not may provide. Call 1-800-432-1000 and ask to speak with someone about raising your limit. Have your account number and recent deposit history ready. The bank will review your account standing, how long you have been a customer, and whether you have had any fraud or overdraft issues.

Even if you are approved, the increase may be modest — from $2,500 to $5,000 daily, for example — rather than unlimited. The bank is unlikely to raise limits significantly for new customers or those with recent problems on their account. If you need to deposit very large amounts regularly, switching to a business account or using in-branch deposits may be more practical.

Why limits exist and what they protect against

Mobile deposit limits protect both you and the bank. Because the bank never physically sees the check, there is a higher risk of fraud — someone could photograph a check that has already been deposited elsewhere, or deposit a forged check. Limits reduce the dollar amount at risk if something goes wrong.

Limits also prevent mistakes. If you accidentally photograph the same check twice, the limit catches the second attempt before duplicate funds hit your account. For the bank, limits reduce the volume of disputes and chargebacks they have to investigate and reverse.

Frequently Asked Questions

Does the daily limit reset at midnight in my time zone or Bank of America's?

The daily limit resets at midnight Eastern Time, regardless of where you live. If you are on the West Coast, that is 9 p.m. your time. If you are in Hawaii, it is 3 p.m. your time. Plan accordingly if you are near your daily cap and need to deposit another check.

Can I deposit checks for other people using my mobile app?

No. Mobile deposits must be made to an account in your name. If someone else needs to deposit a check to their account, they must use their own phone and their own Bank of America app. Depositing checks for others can trigger fraud alerts.

What if I deposit a check and it bounces — does it count against my limit?

Yes. The deposit counts toward your limit the moment you submit it, even if the check bounces days later. The limit is based on the number and size of deposits you attempt, not on whether they clear. If a check bounces, it does not free up space in your monthly limit.

Do transfers between my own Bank of America accounts count toward the mobile deposit limit?

No. Mobile deposit limits apply only to checks deposited through the camera feature. Transfers between your own accounts, whether done through the app or online, do not count toward any limit.

What if I have multiple Bank of America accounts — do the limits combine or stay separate?

Each account has its own separate limit. If you have two checking accounts, each one gets $2,500 daily and $25,000 monthly. The limits do not pool or combine across accounts.