Bank of America Mobile Deposit Limits: What You Need To Know
Written by
Taylor Milam-Samuel
Edited by
Nupur Gambhir, CFHC™
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Bank of America’s mobile deposit limit ranges from $2,500 to $10,000 per month for personal accounts, depending on your account age and Preferred Rewards membership status. You can find your specific limit by selecting your deposit account in the Bank of America mobile app.
What Is the Bank of America Mobile Deposit Limit?
Bank of America sets monthly mobile deposit limits that vary by account. Newer accounts typically start at $2,500 per month, while longer-standing accounts or Preferred Rewards members may have limits as high as $10,000. Once you hit your monthly limit, you won’t be able to deposit additional checks until the following month. The easiest way to find your exact limit is to open the app and select your deposit account.
What Is the Bank of America Business Mobile Deposit Limit?
Business customers have access to significantly higher limits through Remote Deposit Online, which allows deposits of up to $999,999.99 per day. This service uses a bank scanner at your place of business rather than your phone’s camera, and costs $15 per month. To find out if your business qualifies, call 1-866-283-4075.
When Are Bank of America Mobile Deposits Available?
Funds from check deposits made before the cut-off time on a business day are typically available the next business day. Cut-off times vary by time zone:
| 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 |
| NM, western KS, El Paso TX | 9 p.m. ET |
A few timing scenarios worth knowing: a check deposited before 9 p.m. ET on a Thursday will be available Friday. A deposit made after the cut-off on Friday, or over the weekend, will be available the following Tuesday. Deposits made on federal holidays will be available on the first business day after the next business day — so a holiday on Monday means funds arrive Wednesday.
How Do You Increase Your Bank of America Mobile Deposit Limit?
There are a few reliable ways to work toward a higher limit:
- Keep your account open. Bank of America automatically increases mobile deposit limits as your account ages. Many customers see increases at the 30-day and three-month marks, so simply keeping your account active and in good standing can lead to higher limits over time.
- Request an increase. You can call Bank of America directly to request a higher limit. Reach the banking department at 800-432-1000 or mobile banking support at 800-933-6262.
- Maintain good account standing. Paying fees on time and avoiding overdrafts signals to the bank that you’re a reliable customer, which can work in your favor when requesting a limit increase.
How Do You Deposit a Check With Bank of America Mobile Deposit?
Depositing a check with the Bank of America app takes just a few minutes. Before you start, detach the check from any stub and place it flat on a dark, well-lit surface so the camera can capture it clearly. Then:
- Sign the back of the check and write “for deposit only at Bank of America” beneath your signature
- Open the app and log in
- Select “Deposit Checks”
- Photograph the front and back of the check using the on-screen prompts
- Select the account you’re depositing into
- Enter the amount and confirm the details
- Tap “Deposit”
Once submitted, the app gives you the option to save, print, or email a copy of the check for your records.
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.
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.
