Similar to the previous question, depositing a $20,000 check via a mobile app is generally not permitted for the average retail bank customer due to standard transaction ceilings. Banks implement these limits to manage the risk of check fraud, which is much higher with remote imaging than with in-person deposits. If you have a check for this amount, the safest and most efficient path is to walk into your local bank branch and present the check to a teller. This process allows the bank to verify the check’s authenticity immediately and provides you with immediate confirmation of the deposit. Be prepared for the bank to place a temporary "hold" on a portion of the funds, which is a standard procedure for large deposits, but depositing it in person is far more reliable and secure than attempting to use a mobile app that was not designed to handle such large sums.