Bank of America Deposit Limits (Mobile, ATM & Daily Limits Explained)

Updated regularly • Verified banking data • Covers mobile, ATM, teller, and monthly deposit limits

Quick Answer

Bank of America applies a monthly mobile check deposit limit that depends on how long your account has been open and whether you’re enrolled in BofA Rewards (formerly Preferred Rewards). Standard accounts open less than three months start at $2,500 per month; accounts open three months or longer move up to $10,000 per month. BofA Rewards members get significantly higher monthly limits — up to $50,000 per month for established accounts. ATM and teller deposits have no meaningful dollar cap, though cash deposits over $10,000 trigger a routine federal reporting requirement.

Three things that are specific to Bank of America and worth knowing before you run into a problem:

• The limit is monthly, not daily. This is the single biggest source of confusion. Most major banks set a daily mobile deposit limit; Bank of America sets a monthly one. If you deposit $10,000 worth of checks early in the month on a standard account, you’re done until your limit resets — there’s no separate daily cap that frees up the next morning.
• BofA Rewards status changes everything. Enrolling in BofA Rewards (the program renamed from Preferred Rewards in May 2026) automatically raises your monthly mobile deposit limit — from $10,000 up to as much as $50,000, depending on your tier and account age. If you regularly hit your limit, your rewards tier is the lever that matters most.
• A hold is not a rejection. If Bank of America places a hold on a deposit, the deposit went through — you just can’t access the funds yet. This is different from hitting your monthly limit, which prevents the deposit from being submitted at all. The two problems have different solutions.

Bank of America Mobile Deposit Limits

Mobile check deposit is where Bank of America applies its most structured limits. Unlike most large banks, which cap mobile deposits by the day, Bank of America uses a monthly limit that scales with two things: how long your account has been open, and your BofA Rewards membership status.

Monthly Limits by Account Type

Account Status	Monthly Mobile Deposit Limit
Standard account, open less than 3 months	$2,500
Standard account, open 3+ months	$10,000
BofA Rewards member, open less than 3 months	$25,000
BofA Rewards member, open 3+ months	$50,000
Business (Remote Deposit Online)	Up to $999,999.99 per day (scanner required, $15/mo)

Note: These are typical figures. Bank of America does not publish a single universal limit — your actual limit is personalized and may be higher or lower based on your account history, balance activity, and deposit patterns. Bank of America can adjust limits at any time without notice. The only reliable way to see your current limit is in the Bank of America mobile app.

Why the Monthly Structure Trips People Up

Customers who switch to Bank of America from a bank with daily limits (Chase, Wells Fargo, and most others cap by the day) frequently misunderstand how the limit works. With a daily limit, hitting your cap is a temporary inconvenience — it frees up the next morning. With Bank of America’s monthly limit, hitting your cap means you’re out of mobile deposit capacity for the rest of the billing cycle.

In practice: if you have a standard account open more than three months ($10,000 monthly limit) and you deposit a $9,500 check on the 3rd, you only have $500 of mobile deposit capacity left until the limit resets. A second large check that month has to go to an ATM or a branch. If you know several large checks are coming in the same month, plan to use a financial center or ATM for some of them rather than assuming mobile deposit will reset.

How BofA Rewards Raises Your Limit

BofA Rewards — the relationship banking program Bank of America renamed from Preferred Rewards in May 2026 — is the most direct way to a higher mobile deposit limit. Membership is free, with no minimum balance required to join, and your tier is based on your combined Bank of America deposit and Merrill investment balances, reviewed monthly. Higher tiers carry higher monthly mobile deposit limits automatically — established BofA Rewards accounts can deposit up to $50,000 per month, five times the standard $10,000 cap.

The current tier names (after the May 2026 rebrand) are Preferred, Preferred Plus, Preferred Honors, and Premier. If you previously knew the program as Gold, Platinum, Platinum Honors, or Diamond Honors, those tiers were automatically converted. If you maintain meaningful balances across BofA and Merrill and regularly hit your deposit limit, confirming your BofA Rewards tier — and the deposit limit attached to it — is worth doing in the app.

What Affects Your Mobile Deposit Limit

• Account age: New accounts (under 3 months) start at the lowest tier — $2,500/month standard. The jump to $10,000 happens at the three-month mark for standard accounts.
• BofA Rewards tier: The single largest factor. Higher tiers carry substantially higher monthly limits.
• Deposit and balance history: Consistent, responsible activity and healthy balances support higher limits over time.
• Overdraft and returned check history: Past overdrafts or bounced checks can keep your limit lower for an extended period.
• Risk signals: Unusual deposit patterns — multiple checks in rapid succession, deposits from unfamiliar issuers — can trigger temporary reductions or holds.

How to Check Your Current Mobile Deposit Limit

1. Open the Bank of America mobile app and sign in.
2. Tap Deposit Checks.
3. Select the account you want to deposit into.
4. Your remaining monthly mobile deposit limit is displayed before you submit the deposit.

This is the only place your actual personalized limit is shown. The standard figures ($2,500 / $10,000 / $50,000) are starting points by category — your specific limit may differ. See our mobile check deposit guide for the full step-by-step.

What Happens When You Hit Your Monthly Limit

If a deposit would exceed your remaining monthly limit, the Bank of America app declines it before submission — you’ll see an error indicating the amount exceeds your current limit. No money moves and the check stays in your possession. Your options:

• Deposit at a Bank of America ATM (no dollar cap applies)
• Deposit in person at a financial center
• Wait for your monthly limit to reset
• Raise your limit by building account history or moving up a BofA Rewards tier

How to Increase Your Bank of America Mobile Deposit Limit

Bank of America doesn’t offer a simple one-tap limit increase the way some banks do. The limit moves based on your account profile, so the levers are structural:

• Cross the three-month mark. Standard accounts jump from $2,500 to $10,000 per month once the account is open three months with a clean history.
• Enroll in or move up BofA Rewards. This is the highest-impact step. Membership is free, and higher tiers carry monthly limits up to $50,000. Your tier is based on combined BofA deposit and Merrill investment balances.
• Maintain a clean, active account. Regular direct deposit, healthy balances, and no overdrafts or returned items all support higher limits over time.
• For business needs, use Remote Deposit Online. If you’re a business customer regularly depositing large volumes, Remote Deposit Online (a desktop scanner service, $15/month) allows up to $999,999.99 per day — far beyond any mobile app limit.

Bank of America ATM Deposit Limits

ATM deposits at Bank of America bypass the monthly mobile deposit limit entirely. There’s no set dollar cap on how much you can deposit at a Bank of America ATM — the practical limits are physical:

• Checks: Limited by the number of checks the machine accepts per transaction
• Cash: Limited by the ATM’s bill acceptor capacity — typically 30–40 bills per transaction
• Dollar amount: No strict limit — a large check that exceeds your monthly mobile limit can be deposited at an ATM

Bank of America’s ATMs are envelope-free — the machine scans checks directly and shows an image on the receipt. Note that the ATM withdrawal limit (typically $1,000/day for standard checking) is separate from deposits and does not affect how much you can deposit. Large or unusual deposits may still trigger a review or an extended hold.

Bank of America Teller (Financial Center) Deposit Limits

In-person deposits at a Bank of America financial center have no maximum dollar limit. You can deposit any amount with a teller. The teller processes it, though large deposits may involve a brief review or manager sign-off depending on the amount.

Two things to know about large in-person deposits:

• Cash deposits over $10,000 require a Currency Transaction Report (CTR). This is a federal requirement under the Bank Secrecy Act, not a Bank of America rule. The report is filed automatically — you don’t fill anything out, and it has no negative consequence as long as the funds are legitimate.
• Large check deposits may have extended holds. Bank of America can hold part of a large check deposit — particularly checks from unfamiliar institutions or out-of-state banks. Federal Regulation CC requires at least $275 of any check deposit to be available the next business day; the remainder can be held longer based on the bank’s risk assessment.

Learn more in what happens when you deposit over $10,000.

The $10,000 Deposit Rule — What It Actually Means

Depositing over $10,000 in cash is completely legal. Bank of America is required by the Bank Secrecy Act to file a Currency Transaction Report (CTR) with FinCEN for any cash transaction over $10,000. This is automatic and routine — there’s no action required on your part and no negative consequence for you.

Deliberately breaking up deposits to stay under $10,000 is illegal. Splitting a large cash deposit into smaller amounts specifically to avoid the CTR is called structuring, and it’s a federal crime regardless of whether the money is legitimate. Banks are trained to spot structuring patterns and report them as Suspicious Activity Reports. If you have more than $10,000 in cash, deposit it all at once.

When Bank of America Deposits Become Available

Having a deposit accepted and having funds available are two different things. Bank of America follows federal Regulation CC guidelines, with its own policies layered on top.

Deposit Type	Typical Availability
Cash (financial center or ATM)	Same business day
Direct deposit / wire transfer	Same business day
Mobile check deposit (before cutoff)	Next business day
ATM check deposit	Next business day (first $275 same day)
Teller check deposit (established account)	Next business day
Large check ($6,725+)	First $275 next day; remainder 2–5 business days
New account check deposit	Up to 9 business days
Check from unfamiliar/out-of-state bank	2–7 business days

Mobile deposits submitted before Bank of America’s daily cutoff (shown in the app, generally evening and varying by region) are credited the next business day. Deposits after the cutoff — or on weekends and federal holidays — are processed the next business day. Bank of America is required to notify you when a hold is placed; this appears in the app or on your receipt. See how bank holds work for the full breakdown.

Holds vs. Deposit Limits — The Distinction That Matters

• A deposit limit prevents you from submitting a deposit at all. If you’ve used your monthly limit and try to submit another check, the app declines it before processing. The check stays in your hand. Solution: use an ATM or financial center, or wait for the reset.
• A hold means the deposit was accepted — the check is in your transaction history — but the funds aren’t yet available for withdrawal. The money is there; you just can’t touch it yet. Solution: wait for the hold to clear, or call Bank of America if you have a compelling reason for early release.

If you see a deposit in your transaction history that isn’t available, that’s a hold — not a rejection. If you tried to submit a deposit and got an error, that’s a limit issue.

Tips for Depositing Large Checks at Bank of America

• Track your monthly usage. Because the limit is monthly, check your remaining capacity in the app before planning a large mobile deposit — especially if you’ve already deposited checks earlier in the cycle.
• Use an ATM or financial center for checks over your monthly limit. Neither has a dollar cap.
• For very large or unfamiliar checks, deposit in person. A teller can review the check immediately and may expedite availability.
• Consider your BofA Rewards tier if you regularly hit the limit. Moving up a tier is the most durable fix.
• Never split a cash deposit to avoid $10,000. Structuring is a federal crime. Deposit it all in one transaction.

Related Bank of America and Banking Guides

• What happens when you deposit over $10,000
• How bank holds and funds availability work
• Mobile check deposit guide
• How to log in to Bank of America
• Reset your Bank of America password
• Why Bank of America transfers stay pending
• Bank of America routing numbers by state
• Chase deposit limits
• Wells Fargo deposit limits

Frequently Asked Questions

What is the Bank of America mobile deposit limit?

Bank of America sets a monthly mobile deposit limit. Standard accounts open less than three months are limited to $2,500 per month; accounts open three months or longer move to $10,000 per month. BofA Rewards members get higher monthly limits — $25,000 under three months and up to $50,000 for established accounts. Check your exact limit in the Bank of America app under Deposit Checks.

Is the Bank of America deposit limit daily or monthly?

Monthly. This is different from most major banks, which set daily limits. If you reach your monthly mobile deposit limit, you can’t make additional mobile deposits until the limit resets — there’s no separate daily cap that frees up the next day. Use an ATM or financial center for deposits beyond your monthly limit.

How do I increase my Bank of America mobile deposit limit?

The main levers are reaching the three-month account mark (which raises standard accounts from $2,500 to $10,000/month) and enrolling in or moving up BofA Rewards, which raises the monthly limit up to $50,000. Maintaining a clean, active account with regular direct deposit also supports higher limits over time.

Can I deposit $10,000 or more at Bank of America?

Yes. There’s no restriction on depositing $10,000 or more. For cash deposits over $10,000, Bank of America is required by federal law to file a Currency Transaction Report. This is automatic, routine, and legal. Note that mobile deposit may not allow a single $10,000+ check if it exceeds your monthly limit — use an ATM or financial center in that case.

What is BofA Rewards and how does it affect my limit?

BofA Rewards (renamed from Preferred Rewards in May 2026) is Bank of America’s free relationship banking program. Your tier is based on combined Bank of America deposit and Merrill investment balances. Higher tiers automatically carry higher monthly mobile deposit limits — up to $50,000 per month for established accounts, versus $10,000 for standard accounts.

Why did Bank of America put a hold on my deposit?

Holds are common for large checks, checks from unfamiliar banks, new accounts, or accounts with recent overdrafts. A hold means the deposit was accepted — the money is in your account — but funds aren’t available yet. Federal law requires at least $275 of a check deposit to be available the next business day; the rest may be held a few business days longer.

How long do Bank of America deposits take to clear?

Most deposits are available the next business day if submitted before the cutoff. Large checks or new-account deposits may take 2–5 business days or longer. Under Regulation CC, at least $275 of any check deposit must be available by the next business day regardless of holds.

What’s the difference between a deposit limit and a hold?

A deposit limit stops you from submitting a deposit — the app declines it before processing. A hold means the deposit was accepted but funds aren’t available yet. If a deposit appears in your transaction history, it went through — that’s a hold, not a rejection.

Bottom Line

Bank of America’s mobile deposit limit is monthly, not daily — $2,500/month for new accounts, $10,000/month once your account is three months old, and up to $50,000/month for established BofA Rewards members. The monthly structure is the thing most customers get wrong: once you’ve used your limit, mobile deposit is unavailable until it resets, so plan large checks accordingly. ATM and teller deposits have no meaningful dollar cap.

If you regularly hit your limit, your BofA Rewards tier is the lever that matters most. And if a deposit goes through but funds aren’t available, that’s a hold — not a failed deposit. Check your exact limit and availability dates in the Bank of America app.