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Let's face it, mobile check deposit has made our lives so much easier. Instead of having to find time to make a trip to the bank, you can just take a quick picture of a check, and voila! The funds are in your account without you ever having to leave your home or office.
However, when it comes to mobile check deposits, not all banks are the same. When selecting the best online bank for mobile check deposits, factors such as deposit amount limits and the time it takes to access deposited funds are important considerations. Before you make a decision, it's also wise to take into account perks such as minimal fees, competitive APYs, and other rewards that banks offer.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Up to $300New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Minimum Opening Balance
$0
Monthly Fee
$0
Why We Like It
Earn a $50 or $300 bonus and up to 4.00% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Get your paycheck up to two days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
Access additional FDIC insurance up to $3 million5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
What to look for with online banks that offer mobile check deposit
In your search for the best online bank for mobile check deposits, there are several factors you should pay particular attention to, including:
Deposit limits: Most banks have daily and monthly limits on how much you can mobile deposit. Ensure that these limits align with your specific needs.
Fund availability: Banks differ on how quickly you can access funds deposited via your mobile phone. While some banks release funds within 1 business day, others may take up to 5 days.
App experience: A user-friendly app makes mobile deposits easy and less frustrating.
Additional features: Mobile check deposit features are only part of the picture. You should also consider fees, ATM access, available APYs, and customer ratings when choosing the best checking account and best savings account for you.
Up to $3 million FDIC protection5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Up to 4.31% APY on savings with direct deposit6 <p class="">The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.</p><p>Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.</p><p>The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.</p><p>Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:</p><p>Option 1</p><p>1. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $1,500.</p><p>Option 2</p><p>1. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $5,000.</p><p>If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:</p><p>• The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.</p><p>• The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.</p><p>The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. </p><p>A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.</p><p>Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.</p><p>Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.</p>
Mobile deposit limits are $50,000 daily, $150,000 monthly
Deposited funds are often available within 1 business day
SoFi®
Great for FDIC protection
2025 award winnerBest Checking and Savings Combo
5.0
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Our partners do not influence our ratings.
SoFi Checking and Savings
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.00% APY on Savings (3.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
No monthly, overdraft7 <p>Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a>. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.</p> , or minimum balance fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Your account must have at least $500 to use mobile check deposit
SoFi has one of the easiest bank accounts to open online and offers many benefits that make it an attractive option for banking. With SoFi Checking and Savings, both accounts earn interest. Its checking account earns 0.50% APY, and the savings account earns up to 3.30% APY when you have at least $1,000 in monthly direct deposits.8 <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p>
While SoFi has no minimum balance requirements, you will need to have at least $500 in your account to use its mobile check deposit feature. Once you have that, mobile deposits can be done easily with the SoFi mobile app. A portion of the deposited funds will be available the next day, and the rest will be available within 3 days for deposits up to $5,000, and within 5 days for deposits over $5,000. There are limits to how much you can mobile deposit, but that limit may be different for each user. I have SoFi, and my daily mobile deposit limit is $200,000.
One drawback I found with SoFi's mobile deposit is that I can't deposit funds directly into a savings vault. With SoFi's savings account, you can have up to 20 "vaults" for different savings goals. However, you must first deposit funds into your primary savings account and then transfer them to a vault.
Member FDIC.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Pros
Checking account earns 0.50% APY with direct deposit
A portion of your mobile deposit is available the next business day
FDIC protection available up to $3 million
Cons
$500 account balance requirement for mobile deposit
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Alliant Credit Union High-Rate Checking
Alliant Credit Union High-Rate Checking - 0.25% APY9 <p>APY=Annual Percentage Yield. The High Rate Checking Dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 6/26/2025 dividend declaration date. Checking dividend may change after account is opened and is subject to change at any time. There is no minimum balance requirement to earn the stated APY. Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Alliant checking charges no monthly maintenance or service fees; however, if incurred, other fees may reduce earnings on the account. Please refer to the Alliant <a href="https://www.alliantcreditunion.org/images/uploads/files/FeeSchedule.pdf">Fee Schedule</a> for a list of these types of fees. Dividend applies to Checking and Teen Checking Accounts. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.</p>
No monthly service or overdraft fees10 <p>Overdraft protection is optional. You must opt in to benefit from this free service and you can unenroll at any time. Alliant's overdraft protection program honors your overdrafts on your checking account when you don't have enough money in your Alliant checking account to cover a transaction, provided you have enough money in your Alliant Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your Alliant Savings or Supplemental Savings Account to your Alliant checking account to cover your overdrafts. Overdraft protection does not cover ATM transactions.</p><p>Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to enroll in or use the Courtesy Pay service and you can unenroll at any time. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant checking account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totaling at least $600 into their Alliant checking account in the previous 30 days. Standard Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. The full amount of the overdraft balance will be due immediately but in no event more than 30 days from the date of the occurrence at which time Courtesy Pay privileges will be suspended and possibly terminated. If you opt in for extended coverage, Courtesy Pay may also cover everyday debit transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions.</p> and no monthly minimum balance requirement.11 <p>There is no minimum balance requirement to maintain a High-Rate Checking account. However, there is a minimum opening deposit requirement of $25 for new and existing Alliant members that open a High-Rate Checking account online via open.alliantcreditunion.com, and for new Alliant members that open a High-Rate Checking account by telephone (see the Truth-in-Savings Disclosure Chart in the <a href="https://www.alliantcreditunion.org/images/uploads/files/AccountAgreementAndDisclosures.pdf">Account Agreement and Disclosures</a> for more information regarding minimum opening deposit requirements). Any funds that are deposited at account opening to satisfy a minimum opening deposit requirement may be withdrawn at any time. High-Rate Checking accounts that are opened via a paper application, online banking, or in connection with obtaining an Alliant loan (whether originated directly by Alliant or through an indirect lending channel) do not have a minimum opening deposit requirement.</p> NCUA Insured
Offers competitive APYs on checking and savings accounts
$100,000 daily and $250,000 monthly limits on mobile check deposits
Provides up to $6,725 in deposits available within 2 business days
Alliant Credit Union is one of the few not-for-profit credit unions that is entirely online. The organization, which was founded in 1935 as the United Airlines Employees Credit Union, transitioned to a fully digital platform in 2020.
Today, anyone can join Alliant Credit Union. Its accounts have minimal fees and offer competitive APYs. The High-Rate Checking account earns 0.25% APY,9 <p>APY=Annual Percentage Yield. The High Rate Checking Dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 6/26/2025 dividend declaration date. Checking dividend may change after account is opened and is subject to change at any time. There is no minimum balance requirement to earn the stated APY. Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Alliant checking charges no monthly maintenance or service fees; however, if incurred, other fees may reduce earnings on the account. Please refer to the Alliant <a href="https://www.alliantcreditunion.org/images/uploads/files/FeeSchedule.pdf">Fee Schedule</a> for a list of these types of fees. Dividend applies to Checking and Teen Checking Accounts. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.</p> 11 <p>There is no minimum balance requirement to maintain a High-Rate Checking account. However, there is a minimum opening deposit requirement of $25 for new and existing Alliant members that open a High-Rate Checking account online via open.alliantcreditunion.com, and for new Alliant members that open a High-Rate Checking account by telephone (see the Truth-in-Savings Disclosure Chart in the <a href="https://www.alliantcreditunion.org/images/uploads/files/AccountAgreementAndDisclosures.pdf">Account Agreement and Disclosures</a> for more information regarding minimum opening deposit requirements). Any funds that are deposited at account opening to satisfy a minimum opening deposit requirement may be withdrawn at any time. High-Rate Checking accounts that are opened via a paper application, online banking, or in connection with obtaining an Alliant loan (whether originated directly by Alliant or through an indirect lending channel) do not have a minimum opening deposit requirement.</p> 12 <p>Alliant checking charges no monthly maintenance or service fees. Please refer to the Alliant <a href="https://www.alliantcreditunion.org/images/uploads/files/FeeSchedule.pdf">Fee Schedule</a> for a list of fees.</p> and the High-Rate Savings account earns 3.10% (as of 12/19/24) APY.13 <p>The savings dividend provides an Annual Percentage Yield (APY) of 3.10%. The APY is accurate as of the 6/26/2025 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.</p> While these rates may be lower than those offered by some banks, there are no direct deposit or minimum daily balance requirements to earn them.
The amount limits for mobile check deposits are high. The daily limit for mobile deposits is $100,000, and the monthly limit is $250,000. With mobile deposits, you will have access to up to $275 within a day of the deposit, and up to $6,725 on the second business day after the deposit. Deposits over $6,725 should be available within 5 business days.
Pros
High daily and monthly limits on mobile check deposits
Competitive APYs on checking and savings accounts
Deposits under $6,725 are available within 2 business days
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Axos ONE®
Axos ONE® - Earn up to 4.31% APY
Axos ONE® offers up to a powerful 4.31% APY on savings and 0.51% APY6 <p class="">The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.</p><p>Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.</p><p>The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.</p><p>Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:</p><p>Option 1</p><p>1. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $1,500.</p><p>Option 2</p><p>1. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $5,000.</p><p>If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:</p><p>• The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.</p><p>• The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.</p><p>The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. </p><p>A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.</p><p>Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.</p><p>Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.</p> on checking to help you grow your money. No monthly maintenance, minimum balance, account opening, or overdraft fees. FDIC insured.
$50,000 daily and $150,000 monthly limits on mobile deposits
Mobile deposited funds take about 5 days before they are available
Axos Bank offers some of the highest APYs available on savings and checking accounts. High APYs can put your money to work for you, earning more. With the Axos ONE savings and checking bundle, you'll earn as much as 4.31% APY on your savings and an APY on checking.6 <p class="">The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.</p><p>Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.</p><p>The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.</p><p>Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:</p><p>Option 1</p><p>1. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $1,500.</p><p>Option 2</p><p>1. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.</p><p>2. The average daily balance of your Axos ONE Checking account is at least $5,000.</p><p>If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:</p><p>• The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.</p><p>• The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.</p><p>The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. </p><p>A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.</p><p>Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.</p><p>Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.</p> As with most high APY offers, there are requirements. You must have at least $1,500 in qualifying monthly direct deposits and an average daily balance of at least $1,500.
There are no monthly maintenance fees or overdraft fees with the Axos ONE account, and no minimum balance or opening amount requirements. And, Axos reimburses you for ATM fees incurred at out-of-network machines. You also have access to FDIC protection up to $265 million.
Pros
Reimburses ATM fees
No fees for monthly service, overdrafts, minimum balance, or opening account
Provides FDIC protection up to $265 million
Cons
Depositing cash may incur a fee
Wait time for available funds is long
Must have direct deposit and a certain average daily balance to get a high APY on accounts
Allows mobile deposits of up to $50,000 per day and $250,000 per month
Deposits post to your account within 2-5 business days
If you want quick access to your funds, Ally Bank may be a good option. Deposits under $25,000 will be available within 2 business days, provided they are received before 7 p.m. ET. Additionally, Ally provides you with access to $300 of your deposit within 1 business day. Deposits over $25,000 may take up to 5 business days.
Ally doesn't have any brick-and-mortar branch locations. Everything is handled online. Its accounts have no monthly maintenance fees, overdraft fees, or minimum balance requirements. Checking accounts with balances under $15,000 earn 0.10% (as of 10/01/25) APY, and accounts of $15,000 or more earn a higher APY. It also offers a high-yield savings account that earns 3.40% APY.14 <p class="">The APY of 3.40% is accurate as of 10/01/25. Rates are subject to change and may vary by account type and financial institution. </p>
While mobile depositing checks may be easy through the Ally mobile app, depositing cash is a different story. Ally doesn't accept cash deposits. Other options for depositing money besides Ally eCheck Deposit include online transfers, direct deposit, mail, and wire transfers.
Pros
Deposits under $25,000 appear in your account within 2 business days
Checking and savings accounts earn interest
No monthly fees, overdraft fees, or minimum balance requirements
Cons
Doesn't accept cash deposits
No physical branches
Savings withdrawals are limited to 10 per statement cycle
Allows mobile deposits to checking, savings, or money market accounts
No monthly fees
Debit card purchases earn 1.00% cash back
With Discover® Cashback Debit,15 <p>See <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">Deposit Account Agreement</a> for details on transaction eligibility, limitations, and terms.</p> you can earn 1.00% cash back16 <p>Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms. Deposit Account Agreement can be found at <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf</a>.</p> on most of your debit card purchases up to $3,000 monthly. This is a nice perk that may make up for the fact that Discover's checking account doesn't earn interest. As with most online banks, Discover also doesn't charge monthly fees or require you to carry a minimum balance in your account.
Discover doesn't limit the number of mobile check deposits you can make to its checking, savings, or money market accounts. However, there may be daily and monthly limits on the amount you can deposit. Those limits are unique to each customer and can be found in the Discover mobile app.
When your mobile deposit becomes available depends on whether you are a new or existing customer. Existing customers are at an advantage because they can access up to $250 of their deposit the same day and up to $6,450 within 2 business days. New customers may need to wait up to 5 business days after their deposit to access their funds.
Pros
Up to $250 of mobile deposit is available the same day (for existing customers)
No limits on the number of mobile deposits you can make
No monthly fees
Cons
The total amount deposited may not be available for up to 5 days
Doesn't allow mobile deposit of checks from banks outside the U.S.
Existing customers get quicker access to mobile-deposited funds than new customers
Mobile deposited funds are usually available the next business day
No monthly or overdraft fees or minimum balance requirements
Highly ranked mobile app
Capital One is more than just a credit card company. It is also a good option for online banking. Its 360 Checking and 360 Savings accounts offer no monthly fees, minimum balance requirements, or overdraft fees. Both accounts earn interest, with the savings account earning 3.40% APY17 <span>A rate of 3.40% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 10/01/25. Rates are subject to change at any time before or after account opening.</span> and the checking account earning a modest 0.10% (as of 09/15/25) APY.
Capital One also offers one of the best mobile apps in the industry, which allows you to make mobile check deposits. Funds deposited through the Capital One app are typically available the next business day, provided the deposit is made before 9 p.m. ET. While Capital One doesn't disclose its limits on daily mobile deposits, other sources indicate the typical limit is $5,000.
Although Capital One is technically considered an online bank, it operates over 250 physical branch locations and cafes where you can conduct in-person banking.
Pros
Checking account earns a small amount of interest
Deposited funds are usually available the next day
Highly ranked mobile app
Cons
Mobile deposits are typically limited to $5,000 per day
Low APY on checking
Deposits must be made before 9 p.m. ET to be available the next business day
Mobile check depositing is a quick and convenient way to deposit funds into your account without having to visit an ATM or branch. Here are step-by-step instructions on how to mobile deposit a check:
Open your bank's mobile app and find an option for "Deposit" or "Mobile Deposit."
Sign the back of the check and write "For mobile deposit only" under your signature (if your bank requires it).
Enter the amount of the check in the app.
Use your phone's camera to take a picture of the front and back of the check. Ensure you have good lighting and that all four corners of the check are visible.
Review the photos and details, then tap "Submit." You should receive confirmation that the deposit was received, or needs to be corrected.
Hold onto the check for up to 30 days to ensure the transaction processes and the check clears.
Once the funds are securely in your account, void or shred the check.
4.3
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Enjoy $300 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.18 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 1/21/2026.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank19 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.20 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks21 <p>Your first deposit may take longer depending on your employer.</p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.00% APY on Savings (3.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
While you can mobile deposit checks instantly with most banks, the amount of time it takes for those funds to be available differs. Some financial institutions, like Ally, Discover, and Alliant Credit Union, will give you access to a portion of your deposit within a day. The standard timeframe for accessing mobile deposited funds is 2 to 5 business days.
What is the largest check a bank will deposit?
Most banks have daily and monthly limits on how much you can deposit via a mobile app. Sometimes, these limits are unique to the customer. Of the financial institutions we reviewed, Alliant Credit Union appears to have one of the highest daily deposit limits of $100,000 and a monthly limit of $250,000.
Can a check bounce after it clears?
Yes, it is possible for a check to "bounce" after clearing a mobile deposit. That's why many banks recommend that you save mobile-deposited checks for up to 30 days. If an issue does arise, you still have the physical check for reference.
Bottom line
Mobile check deposit is one of the most convenient tools offered by online banks, but the best online bank for mobile check deposits depends on more than just the ease of scanning a check with your phone. Deposit limits, fund availability, and perks such as competitive APYs or cashback rewards are other important factors to consider when looking for an option that suits your needs. Before opening an account, take time to compare these features so you can choose the best option for you.
Methodology
To identify the best online banks for mobile check deposit, we looked at deposit limits and fund availability, as well as factors like account fees, overdraft policies, APYs, ATM access, being a bank with no credit check, and more. While not every financial institution offering mobile check deposit was reviewed, those highlighted represent a mix of ones that offer the best benefits for their customers.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
High APY of up to 4.00% on Savings (3.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network22 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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FinanceBuzz makes money when you click the links on our site to some of the products and offers that we mention. These partnerships do not influence our opinions or recommendations.
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