Is There a Maximum Deposit Amount for Photo Capture of Checks?

Adam Rust

What is the maximum amount of money that can be deposited per month by remote photographic deposit?

The amount will vary from bank to bank, and it may even vary from consumer to consumer. Often, the maximum is a ceiling but additional factors determine how much any individual can deposit. For example, if the account has been opened recently, most banks will put a cap in place that is likely to be far lower than the maximum. Likewise, some banks may have policies in place that put a lower limit on personal checks as opposed to checks issued from a government or business account.

I have a checkless checking account that recently changed its back-end photo deposit provider. My maximum fell from $500 to $100 per check.

Ingo Money, a back-end white-label provider of photo check deposit functionality, places a limit of $2,500 per day (and per check) and a maximum of $5,000 per month. The card issuers that use their service may apply stricter rules inside their own systems.

Wells Fargo applies a daily limit of $2,500. The per-month limit may be set differently for each account.

First National Bank will accept checks with a face value of up to $3,000. That sum is also the limit per day, but account holders may deposit as much as $9,000 in any given month.

At Chase, an account can receive up to $2,000 in deposits by remote deposit per day and no more than $5,000in any given month.

Green Dot’s GoBank account will accept personal checks of $500 or less by photo deposit and there is a daily limit of $1,000. However, consumers can present government checks of up to $5,000 and commercial checks with a face value of as much as $10,000. Those figures are also their daily and monthly maximums.

Only a handful of banks will allow you to deposit a money order with your phone. One bank that will let you do this is

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photo check deposit
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