Does Tangerine support mobile cheque deposit?

Yes. Tangerine's mobile app supports cheque deposit by photographing the front and back of the cheque. Because Tangerine has no branch network and Scotiabank ATMs do not process Tangerine deposits, mobile deposit is one of the primary methods for getting cheque payments into a Tangerine account — alongside EFT and Interac e-Transfer.

What is the Tangerine mobile cheque deposit limit?

Tangerine's standard mobile cheque deposit limits are $5,000 per cheque and $10,000 per day for established accounts. These limits are consistent with what most Canadian online banks offer. New accounts may have lower initial limits. Cheques above the limit can be deposited at a Scotiabank branch teller (who can process deposits to Tangerine accounts) or at another bank with the funds transferred electronically to Tangerine.

How long does Tangerine hold a mobile deposited cheque?

Tangerine applies a standard hold period on mobile-deposited cheques: the first $100 is typically available the next business day, with remaining funds released after 4–7 business days for standard accounts. Government cheques and certified cheques may clear faster. New accounts or unusually large cheques may be held for the full 7-business-day period. Confirm the expected hold period shown during the deposit process in the app.

How do I endorse a cheque for Tangerine mobile deposit?

Sign the back of the cheque and write 'For Tangerine mobile deposit only' below your signature before photographing. This restrictive endorsement prevents the cheque from being deposited elsewhere. After the deposit is confirmed and the hold clears, retain the physical cheque for at least 90 days before shredding.

Can I deposit a USD cheque at Tangerine?

Tangerine does not offer a USD account and does not support USD mobile cheque deposits. Foreign currency cheques (USD or otherwise) must be deposited at a Canadian bank branch that accepts them, with any conversion to CAD done there. The CAD proceeds can then be transferred to Tangerine electronically.

What are alternatives to mobile deposit at Tangerine?

For cheques above the mobile deposit limit, or in cases where mobile deposit is not suitable, Tangerine clients can: (1) visit a Scotiabank branch and ask a teller to deposit to their Tangerine account — this works but requires explaining the situation; (2) deposit at another bank and transfer funds to Tangerine via EFT or e-Transfer. For regular large cheque deposits, option (2) with a supplementary account at a Big Five bank is more reliable.

Tangerine Mobile Cheque Deposit 2026 | Limits & How It Works

Tangerine’s mobile app supports cheque deposit — an important feature for a bank with no branch network. The standard limits are $5,000 per cheque and $10,000 per day for established accounts. For cheques above these limits, Scotiabank branch tellers can process deposits to Tangerine accounts, or you can deposit at another institution and transfer the funds electronically.

Tangerine Mobile Cheque Deposit Limits

Limit Type	Amount	Notes
Per cheque	$5,000	Single cheque maximum
Daily limit	$10,000	Resets at midnight ET
USD cheques	Not supported	Deposit at another bank
Fund availability	$100 next day; remainder 4–7 days	Standard personal accounts

How to Deposit a Cheque via Tangerine App

Open the Tangerine app and log in
Tap Deposit Cheque from the account menu
Select the account to deposit into (chequing or savings)
Enter the cheque amount
Endorse the back: sign your name and write “For Tangerine mobile deposit only” below your signature
Photograph the front of the cheque — all four corners visible, in good lighting, no glare
Photograph the back of the cheque
Review and submit
Retain the physical cheque for 90 days, then shred

Fund Availability Schedule

Cheque Type	First $100	Remainder
Standard personal cheque	Next business day	4–7 business days
Government of Canada cheque	Next business day	Often 1–2 business days
Certified cheque or bank draft	Next business day	Typically 1–2 business days
New Tangerine account (< 90 days)	May be held	Up to 7 business days
First deposit or large amount	May trigger review	Up to 7 business days

Cheques Over $5,000: Your Options

Unlike the Big Five banks, which offer ATM envelope deposits as an alternative, Tangerine ATMs don’t exist — Scotiabank ATMs are shared infrastructure but do not process Tangerine deposits. For cheques above the mobile deposit limit:

Option 1: Scotiabank branch teller

Scotiabank tellers can process deposits to Tangerine accounts at a branch
Not all tellers are familiar with the process — be prepared to explain
Best for occasional large cheques when you are already near a Scotiabank branch

Option 2: Deposit at another bank, then transfer

Deposit the cheque at your nearest Big Five bank branch (or any bank where you hold an account)
Wait for the hold to clear
Transfer funds to Tangerine via EFT (linked account) or Interac e-Transfer (up to $3,000/transaction)
More reliable than Option 1 for regular large deposits

Tangerine vs Competitors: Cheque Deposit Options

Bank	Mobile Deposit	ATM Envelope Deposit	Branch Deposit
RBC, TD, CIBC, Scotiabank, BMO	Yes	Yes	Yes
Tangerine	Yes	No	Scotiabank teller only
Simplii Financial	Yes	CIBC ATMs	No
EQ Bank	Yes	No	No

Tangerine has a slight advantage over EQ Bank — Scotiabank tellers can accept deposits for Tangerine clients, though this is an informal workaround. Simplii clients can use CIBC ATM envelope deposits, which is more reliable than the Tangerine/Scotiabank teller option.