Choosing the right channel to submit your Discover check dictates how quickly you can spend the money and whether an algorithm or a human examines the draft.
| Deposit Channel | Standard Daily Limit | Typical Availability Hold | Primary Friction Risk |
|---|---|---|---|
| Truist Mobile App | $1,000, $10,000 (Account tier dependent) | 1, 5 business days | Rejection over missing "For Truist Mobile Deposit Only" wording. |
| Truist ATM | Up to ATM daily limit (Often $50,000 total) | 2, 7 business days | Hardware optical read errors; zero immediate teller review. |
| Branch Teller | No standard system ceiling | $225 next day; balance held up to 7 days | Manual risk flags on large credit line checks. |
