Can you make payments over the phone to Cato's?
You can technically mobile deposit a $10,000 check, but whether it will be accepted depends entirely on your specific bank's internal mobile deposit limits, your account history, and your available balance. Many traditional banks and credit unions impose strict daily and per-check mobile deposit limits that range anywhere from $2,000 to $5,000 for standard retail accounts, meaning a $10,000 check might exceed your automated app limit. If your account qualifies for higher limits—often granted to long-standing customers with healthy balances or business accounts—the mobile app will accept the images, though the bank will typically place a temporary hold on the funds for several business days to verify clearance. If your check exceeds your bank's mobile deposit threshold, you will need to visit a physical branch or use an ATM that accommodates large check processing to deposit the funds securely without rejection. Always check your bank's specific mobile app guidelines beforehand to avoid deposit errors or automated account lockouts resulting from exceeded thresholds.
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