U.S. Bank mobile deposit limits: daily, weekly and new-account rules
U.S. Bank says mobile-deposit limits are specific to the customer, not to one account, and can be unusually low during the first 90 days after opening an account.
U.S. Bank says mobile-deposit limits are specific to the customer, not to one account, and can be unusually low during the first 90 days after opening an account.
Key takeaways
- U.S.
- Importantly, the bank says these limits are specific to you rather than to an individual account.
- This is why checking the live Transaction Limits page is better than looking for a single published dollar figure.
- After the first 90 days, the bank says daily and weekly limits will likely increase.
What you need to know
U.S. Bank uses both daily and weekly mobile-deposit limits. It says a new account opened within the last 90 days could have limits as low as $50. Your current limits are shown in Transaction Limits inside online banking or the app.
U.S. Bank’s mobile-deposit limit is personal to you
U.S. Bank says mobile-deposit limits depend on factors such as account type, deposit history and your relationship with the bank.
Importantly, the bank says these limits are specific to you rather than to an individual account. If you have multiple eligible accounts, your mobile deposits across them still count toward the same personal daily and weekly limits.
This is why checking the live Transaction Limits page is better than looking for a single published dollar figure.
New accounts can start with a very low limit
U.S. Bank says that if an account has been open for less than 90 days, the mobile-deposit limit could be as low as $50.
After the first 90 days, the bank says daily and weekly limits will likely increase. It does not promise one specific new limit because the amount still depends on customer-specific factors.
For somebody opening the account specifically to deposit a large check, this detail can be important. A branch or ATM may be necessary during the early relationship period.
How daily and weekly limits are calculated
The daily limit is the maximum amount you can deposit through mobile check deposit in a calendar day. Deposits made after U.S. Bank’s 10:00 p.m. Central Time cutoff apply to the next calendar day’s limit.
The weekly limit covers the current calendar day plus the previous six calendar days. This is a rolling seven-day window rather than a Monday-to-Sunday week.
Because of that rolling calculation, waiting until a new calendar week starts does not necessarily reset the weekly amount.
How to ask for a higher limit
U.S. Bank says customers can request a review for higher daily and weekly mobile-deposit limits by calling or visiting a branch.
The bank says it will review the request and generally provide a response within three business days.
An increase is not guaranteed. If the check is already above your current limit and time matters, the branch or ATM alternatives may be more practical than waiting for a limit review.
Frequently asked questions
Ethan Park
Ethan writes about the bank as customers increasingly experience it: through apps, status messages and digital workflows. He explains mobile deposit, payment screens and the gap between an app label and the process behind it.