BECU’s mobile check deposit feature lets you deposit checks from your phone, but the amount you can deposit is limited by daily and monthly caps. This guide explains BECU’s mobile deposit limits, hold times, and common reasons deposits may be delayed or rejected.
BECU Mobile Deposit Daily and Monthly Limits
BECU does not publish a universal deposit limit, and limits can vary based on your account type, history, and membership standing. Many members report limits in the range of:
- Daily limit: Often between $5,000 and $10,000
- Monthly limit: Often between $15,000 and $50,000
Your personal limits may be higher or lower. You can check your available deposit limit directly inside the BECU mobile app during the deposit process.
BECU Mobile Check Hold Times
Even if your mobile deposit is accepted, funds may not be available immediately. BECU may place a hold on your check depending on the amount and your deposit history.
- Standard checks: Usually clear within 1 business day
- Large checks: May be held longer for review
- New members: Holds may be longer until account history builds
- Suspicious or unusual deposits: Additional verification required
Common Reasons BECU Mobile Deposits Are Delayed or Rejected
- Deposits exceeding your daily or monthly limit
- Blurry or incomplete check images
- Endorsement missing or incorrect
- Depositing a previously deposited check
- Depositing after daily cutoff times
- Security review for large or unusual deposits
Tips To Avoid BECU Mobile Deposit Issues
- Endorse the check clearly before taking photos
- Use good lighting and a flat surface
- Submit deposits early in the day
- Check your available deposit limit before depositing
- Update the BECU mobile app regularly
