How Does Bank of America Mobile Deposit Work and How Long Does It Take?

How Does Bank of America Mobile Deposit Work and How Long Does It Take?

Bank of America financial services app on bed
Bank of America mobile deposit makes it slowly to add funds to your score using any device with a built-in camera. The mobile app lets you know when you ’ ve reached your monthly deposit limit. In most cases, funds deposited by the 8 post meridiem or 9 post meridiem cut-off time are available the following business day .

How Long Does Bank of America Mobile Deposit Take?

How long it takes for a Bank of America mobile deposit to hit your account depends on the time zone where your account was opened, the type of sediment and when the situate is made .

Check Deposits

check deposits made before the cut-off time on a business day are normally available the follow business day. Cut-off times, based on time zones, are as follows :

  • Eastern: 9 p.m. ET
  • Central: 9 p.m. ET
  • Mountain: 8 p.m. PT
  • Pacific: 8 p.m. PT
  • Accounts opened at Bank of America financial centers in New Mexico, western Kansas and El Paso, Texas: 9 p.m. ET.

If, for example, you opened your score in the eastern time zone and you deposit a see before 9 post meridiem on a Thursday, your funds will be available on Friday .
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If you make the deposit after 9 post meridiem on a Friday, your funds will be available the pursuit Tuesday .
Deposits made on a Saturday or Sunday will be available on Tuesday. Deposits made on a federal holiday will hit your account on the first day following the following commercial enterprise sidereal day. If the vacation falls on a Monday, for exercise, your money will be available on Wednesday .

When Funds May Be Delayed

According to Bank of America ’ s Deposit Agreement and Disclosure, there might be instances where funds handiness is delayed. In those cases, you ’ ll be notified by the following clientele sidereal day. The foremost $ 225 of the situate funds will be available to you the following business day, however .
extra rules apply to raw accounts. During the first 30 days your account is open, funds from personal check deposits normally are available by the fifth business day after your deposit. When you deposit certified or cashier ’ mho checks, or teller, travelers or government checks, the first $ 5,525 of each day ’ south deposits are available before the second clientele day. The remaining funds are available on the one-fifth business day after the deposition .


Transfers are handled differently from check deposits. You have immediate entree to funds transferred into your score from another Bank of America down payment report. however, when the transmit occurs after 11:59 p.m. ET on a business day, you won ’ metric ton see it in your transfer history until the following day. Funds transferred on a Saturday, Sunday or bank holiday will show in your transfer history on the next occupation day .
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Bank of America Mobile Deposit Limits

Bank of America imposes limits on sum match deposits into your report made via mobile deposit. The limits are based on the old age of the report and your Bank of America Preferred Rewards membership status .
The Bank of America mobile check depository specify is $ 10,000 per month for accounts opened for 3 months or longer. For accounts opened for fewer than 3 months, the sediment limit is $ 2,500 per month .
For Bank of America Preferred Rewards members with membership for fewer than three months, there is a $ 25,000 per calendar month limit. For accounts with membership of three or more months, the limit is $ 50,000 per calendar month .

Bank of America Mobile Deposit Fees

There ’ s no tip to use Bank of America mobile deposit. however, your radio carrier might charge messaging or data fees .

How Does Bank of America Mobile Deposit Work?

You make fluid deposits using the Bank of America mobile app, which is available from Google Play and Apple ’ s App Store .

Mobile App Features

On either platform, the app is a powerful joyride not barely for managing your accounts, but for organizing your finances deoxyadenosine monophosphate well. here are some of the things you can do :

  • Review account activity
  • Check loan and credit card balances
  • Transfer funds between Bank of America accounts
  • Send money using Zelle
  • Pay bills and schedule bill payments
  • Deposit checks
  • Take advantage of special offers
  • Stay on top of your budget with the spending and budgeting tool

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The app features Erica, a virtual assistant who can help you use the app and send alerts with fiscal information and advice. You besides can use the app to contact customer service in the event you need bouncy aid or want to schedule an appointment with an explanation specialist. Security features such as Touch ID and Face ID protect your accounts against fraud .

Good To Know

You can deposit most types of checks online with Bank of America when you use the mobile app. eligible check types are personal and clientele checks, cashier ’ second checks, and politics and treasury checks .

How To Deposit Checks With Bank of America Mobile Deposit

Depositing checks requires fair a few easy steps. Before you start, detach the confirmation from any stub or other composition. then put the assay so it lies compressed on a dark-colored, adequately light up open .

Step-by-Step Guide to Bank of America Mobile Deposit

  1. Endorse the back of the check by signing it and writing “for deposit only at Bank of America” below your signature.
  2. Open the app and log in securely using your fingerprint.
  3. Select the “Deposit Checks” link.
  4. Photograph the front and back of the check with your smart device by selecting the “Front of Check” and “Back of Check” buttons in the app.
  5. Select the account into which you’re depositing the check.
  6. Enter the amount of the deposit.
  7. Confirm the deposit details.
  8. Tap “Deposit.”

In summation to depositing the check, you can use the app to save, print or email a replicate of it .

Benefits and Drawbacks of Bank of America Mobile Deposit

Most users should find the Bank of America mobile deposit to be a valuable tool. But there are some drawbacks .


  • Check deposits are fast, free and secure.
  • Funds from cashier’s checks and government checks are available the next business day.
  • Customers can save, print or email copies of the checks they deposit.


  • Funds from personal check deposits into new accounts aren’t available for five days.
  • Mobile deposit isn’t available for money orders, travelers checks or third-party checks.
  • Bank of America imposes a monthly limit on check deposits. The app will track how many deposits you have remaining.

Is Bank of America Mobile Deposit the Right Choice for You?

Bank of America mobile situate provides a quick, easy way for customers to deposit money into their accounts. Although there are some exclusions to the types of checks you can deposit this manner, the most common — personal, cashier ’ south and government-issued checks — are compatible .
That said, the basic fluid deposit capabilities are standard exit. What sets Bank of America ’ s mobile app apart from other major bank apps are the virtual assistant and budget tool that can help you manage all aspects of your finances, and even schedule a face-to-face meet with an account specialist .
data is accurate as of Apr. 13, 2022.

editorial notice : This content is not provided or commissioned by the bank advertiser. Opinions expressed here are generator ’ south alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the trust advertiser Affiliate Program .

About the Author

Daria Uhlig

Daria Uhlig

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey.

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Category : Finance

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