First Horizon mobile deposit limits: how the 7-day cap and eligibility work
First Horizon says Mobile Deposit uses a dollar limit over a seven-day period. Your current amount is displayed in the Mobile Banking app and can vary with your banking relationship.
First Horizon says Mobile Deposit uses a dollar limit over a seven-day period. Your current amount is displayed in the Mobile Banking app and can vary with your banking relationship.
Key takeaways
- First Horizon says Mobile Deposit uses a dollar limit over a seven-day period.
- The most reliable reference is a seven-day mobile-deposit limit shown in the app.
- Account-specific controls, timing and security review can change the practical result.
- Verify a large or time-sensitive transaction directly with First Horizon Bank before relying on it.
What you need to know
First Horizon says Mobile Deposit uses a dollar limit over a seven-day period. Your current amount is displayed in the Mobile Banking app and can vary with your banking relationship.
How First Horizon Bank sets the mobile-deposit limit
First Horizon says Mobile Deposit eligibility and limits depend on the customer relationship. Its digital-banking terms describe a specified dollar amount per seven-day period, while the FAQ says the current limit appears when you start a deposit in the app. That makes a seven-day mobile-deposit limit shown in the app the useful reference point rather than a limit copied from an old forum post.
Why deposit limits are not the same as funds availability
A mobile-deposit limit answers how much you are allowed to submit through the app. It does not promise that the entire check will be available immediately. First Horizon Bank can still place a hold, review an image, reject an ineligible item or make only part of the deposit available while the check is being verified.
How to check your current limit before submitting a large check
Open the mobile-deposit flow and look for the limit shown for the destination account. If the amount is not visible, check the bank’s current digital-banking terms or contact support. Limits can change with account type, relationship history, recent returned items, risk review or product updates.
Cutoff times and weekends can change the calendar
A deposit made late in the day can be treated as received on the next banking day. Weekends and bank holidays can also push processing forward. For a check that you need for a scheduled payment, pay attention to both the deposit cutoff and the date the funds are expected to become available.
Avoid the most common mobile-deposit problems
Use a dark, non-reflective background, capture all four corners, enter the check amount exactly and follow the required endorsement wording. Keep the paper check until the deposit is fully accepted and the bank’s recommended retention period has passed. Never submit the same check again unless the bank instructs you to do so.
Frequently asked questions
Official sources
First Horizon — Digital Banking FAQs ↗Priya Nair
Priya writes about the quiet mechanics of saving and depositing money. She focuses on mobile deposit, check availability, account access and the choices that help readers keep cash both safe and usable.