The mobile deposit limit in Bank of America is:
- 2,500 dollars monthly for accounts opened fewer than three months
- 10,000 dollars monthly otherwise
Deposit Limits
Bank of America imposes monthly limits on Mobile Check Deposits, which are displayed when selecting your deposit account. Once you reach your monthly limit, you cannot deposit another check via the app until the limit resets at the beginning of the next month. These limits are subject to verification and may vary based on account type and history.
Deposit Availability
Deposits made using Mobile Check Deposit are not available for immediate withdrawal. Unless a hold is placed, deposits submitted on a business day before the cutoff time are processed that night and are generally available the next business day. However, funds availability may vary based on factors such as account type and deposit amount.
Accepted Check Types
Mobile Check Deposit accepts various types of checks, including:
- Personal checks
- Business checks
- Government/treasury checks
- Cashier's checks
It's important to note that certain items are not accepted via mobile deposit, such as U.S. savings bonds, checks from foreign banks, money orders, traveler's checks, Image Replacement Documents (IRDs), third-party checks, and checks not payable in U.S. dollars.
Deposit Process
To deposit a check using the Bank of America Mobile Banking app:
- Open the app and select "Deposit Checks."
- Take clear photos of the front and back of your endorsed check.
- Select the account to receive the deposit and enter the amount.
- Tap "Submit" and receive immediate confirmation that your deposit is processing.
Security and Support
Bank of America employs security measures to protect your information during the mobile deposit process. If you need assistance or have questions about Mobile Check Deposit, you can contact Bank of America's customer service for support.