Bank of America Mobile Deposit Limit: How It Works and How To Increase It
Written by
Taylor Milam-Samuel
Edited by
Elizabeth Constantineau
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Bank of America, Member FDIC, mobile deposit makes adding funds to your account easy using any device with a built-in camera. The mobile app lets you know when you’ve reached your monthly deposit limit. Funds deposited by the 8 p.m. or 9 p.m. cut-off time are usually available the next business day.
What Is the Bank of America Mobile Deposit Limit?
Bank of America limits total check deposits into your account made via mobile deposit. The limits vary by account. It depends on the age of the account and your Bank of America Preferred Rewards membership status. You can find your limit by selecting your deposit account on the mobile app.
Some customers report a monthly limit of $2,500, while others have limits of up to $10,000. It depends on your account and how long it’s been open. Once you reach the monthly limit, you can’t deposit any more checks until the next month.
Bank of America Business Account Mobile Deposit Limit
Small business owners can deposit up to $999,999.99 per day using Remote Deposit Online. It’s different from sending a personal mobile deposit using your phone. Instead, you use a bank scanner at your place of business to send the money remotely to Bank of America.
The service costs $15 per month, but it’s usually worth it if you regularly deposit business checks. You must meet specific requirements to qualify for the service. Call 1-866-283-4075 to see if you are eligible.
How To Increase Your Bank of America Mobile Deposit Limit
You can take steps to increase your Bank of America deposit limit, but it might take some time. Here are the most effective ways to get a higher limit.
- Keep your account open: Most banks determine mobile deposit limits based on how long the account’s been open. For example, limits might increase after 30 days and three months. Keeping your account open often means you automatically get mobile deposit increases as time passes.
- Request an increase: You can call Bank of America for a mobile deposit limit increase. Call 800-432-1000 to reach the banking department or 800-933-6262 for mobile banking.
- Maintain good standing: You must keep your account in good standing to qualify for mobile deposit increases. Ensuring you pay fees on time and don’t overdraw your account are simple ways to maintain good standing with the bank.
Bank of America Mobile Deposit Funds Availability
How long it takes for a Bank of America mobile deposit to reach your account depends on the time zone where you open the account, the type of deposit, and when you make it.
Check Deposits
Check deposits made before the cut-off time on a business day are usually available the following business day. Based on time zones, cut-off times are as follows.
| Time Zone | Cut-Off Time |
|---|---|
| Eastern | 9 p.m. ET |
| Central | 9 p.m. ET |
| Mountain | 8 p.m. PT |
| Pacific | 8 p.m. PT |
| Accounts opened at financial centers in New Mexico, western Kansas and El Paso, Texas | 9 p.m. ET |
Here are some examples:
- If you opened your account in the Eastern time zone and you deposit a check before 9 p.m. ET on a Thursday, your funds will be available on Friday.
- If you deposit at 9 p.m. on a Friday, your funds will be available the following Tuesday.
- Deposits made on a Saturday or Sunday will be available on Tuesday.
Deposits made on a federal holiday will hit your account on the first day following the next business day. For example, if the holiday falls on a Monday, your money will be available on Wednesday.
How To Deposit Checks Using Bank of America Mobile Deposit
Depositing checks requires just a few easy steps. Before you start, detach the check from any stub or other paper. Then position the check so it lies flat on a dark-colored, adequately lit surface.
Step-by-Step Guide To Bank of America Mobile Deposit
- Endorse the back of the check by signing it and writing “for deposit only at Bank of America” below your signature.
- Open the app and log in securely using your fingerprint.
- Select the “Deposit Checks” link.
- Photograph the front and back of the check with your smart device by selecting the “Front of Check” and “Back of Check” buttons in the app.
- Select the account into which you’re depositing the check.
- Enter the amount of the deposit.
- Confirm the deposit details.
- Tap “Deposit.”
In addition to depositing the check, you can use the app to save, print or email a copy of it.
Conclusion
Bank of America mobile deposit provides a quick, easy way for customers to deposit money into their accounts. But you won’t know your mobile deposit limit until you open the app and select your deposit account on the mobile app. Limits can range from $2,500 to nearly $1 million depending on the account type, length of membership and other factors.
If you need a higher mobile deposit limit, call 800-432-1000 to request it. Keeping your account open for at least three months can also help you get a limit increase.
FAQ
Here are the answers to some of the most frequently asked questions about Bank of America mobile deposit limits.- What is the Bank of America mobile deposit limit for personal accounts?
- The Bank of America mobile deposit limit for personal checking accounts depends on your account type, your enrollment status and how long you've had it open. You can check your mobile deposit limit by viewing your deposit account on the mobile app.
- How do I increase my Bank of America mobile deposit limit?
- You can increase your Bank of America mobile deposit limit by keeping your account open for at least three months. You can also call 800-432-1000 to request an increase. It's not guaranteed, but it's worth a shot.
- What is the Bank of America business account mobile deposit limit?
- The Bank of America business account mobile deposit limit depends on the type of account you have and whether you qualify for Remote Deposit online. If you are eligible, you can deposit up to $999,999.99 per day.
- When will my Bank of America mobile deposit be available?
- Most Bank of America mobile deposits are available the next business day. You need to meet the cut-off time based on your time zone, which is 8 p.m. PT and 9 p.m. ET. Federal holidays might cause a slight delay.
- Can I deposit large checks using Bank of America mobile deposit?
- You might be able to deposit a large check using Bank of America mobile deposit. It depends on your mobile deposit limit, which varies based on your account status and how long you've had an open account. You can view your limit in the mobile app.
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Daria Uhlig contributed to the reporting for this article.
Information is accurate as of March 6, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
