Requesting higher payment limits

When you open a Mercury account, you’re assigned certain limits for ACH payments, wire payments, and check deposits. If you encounter one of these limits when trying to send a payment or deposit funds, you can request a temporary limit increase directly from your dashboard.

Here’s how:

1. Start your payment, transfer, or deposit as normal.
2. If you enter a payment or deposit amount that’s above your limit, an alert will show up. Click Request a temporary limit increase.
   Requesting higher limits is only available via web so you won't see the option if you're using a mobile app.
    
3. You’ll be asked to provide some info about the deposit, along with pictures of the unendorsed check and any other invoices or paperwork that provide additional context.
4. After submitting, our team will review the request and get back to you within 1 business day.

If you need to increase the spending limit on an individual debit card, you can do that from your dashboard by visiting your Cards page and clicking the card that needs editing.