MOBILE CHECK DEPOSIT

Your deposit limits are displayed when you enter your check amount in the mobile app. Here’s how to find your limits in the app:

1. Tap Deposits in the quick-action menu.
2. Tap Deposit a check.
3. Choose an account.
4. Tap Deposit limits (under the check amount field) to see your daily and weekly limits.

Deposit limits vary and are based on multiple factors, including your account type, deposit history and relationship with us.

If you’ve opened an account within the last 90 days, your deposit limits could be as a low as $50. After your first 90 days with us, your daily and weekly limits will likely increase.

Deposit limit definitions

Your daily deposit limit is defined as the maximum amount you can deposit using your mobile device each calendar day. Deposits made after the 9:00 p.m. Central Time cutoff will apply to the daily limit of the next calendar day.

Your weekly deposit limit is defined as the maximum amount you can deposit using your mobile device every 7 calendar days, which includes the current calendar day and the previous 6 calendar days. (If you make a deposit after the 9:00 p.m. Central daily cutoff time, the next day as well as the previous six calendar days will be included in determining your weekly limit.)

There are other ways to deposit your check if your check amount is higher than your mobile deposit limit.

Visit a branch or ATM.

Deposit your check at a U.S. Bank branch or ATM.

Mail it.

If there isn’t a branch or ATM near you, you can deposit your check by mailing it to us with a deposit slip. If you don’t have a deposit slip, you can simply write your account number on the check. Be sure to sign the back of your check before mailing.

Mail to:
U.S. Bank/Bank by Mail
P.O. Box 1950
St. Paul, MN 55101-0950

The first $225 of your total daily deposits is usually available right away. The rest of your deposit amount will typically be available the next business day (Monday through Friday, excluding holidays) if your deposit was made before 9:00 p.m. Central Time.²

Individual deposits above a certain dollar amount³ may take up to five business days to become available. If extra processing time is needed, we’ll tell you before you confirm your deposit when the funds will be available.

No. There is no fee for mobile check deposit.

Deposits may be declined for a number of reasons. We’ll send you an email explaining the reason(s) for the decline and what you should do next.

If you need more help, call 800-USBANKS (800-872-2657).

We recommend holding on to your paper check for at least 2 business days after you deposit it in case we need more details from you.