Mobile Deposit FAQ

What is Mobile Deposit and how does it work?

Mobile Deposit allows you to deposit a single check to your deposit account by simply taking a picture of the front and back of the check with a camera-enabled smart phone.

What kind of mobile device will work for Mobile Deposit and what are the device requirements?

First Citrus Bank’s Mobile App will work on iPhone® and Android™ operating systems. The phone's camera must have a resolution of 2 megapixels or higher and you must have a wireless data plan with your mobile service carrier.

Are there eligibility requirements to enroll in Mobile Deposit?

You must be enrolled in First Citrus Bank’s Online Banking and Mobile Banking. First Citrus Bank reserves the right to delay Mobile Deposit availability at any time. 

Is there a fee for Mobile Deposit?

We do not charge a fee for deposits made through Mobile Deposit. Fees may apply if the deposited item is returned to us. Data charges from your mobile service carrier may apply.

Do I need to endorse checks that I deposit through Mobile Deposit?

Yes, all checks deposited must have a handwritten endorsement with your signature and "For Mobile Deposit at First Citrus Bank". Any check deposited without this endorsement will be rejected until it's properly endorsed.

What do I do with the check after I have deposited it via First Citrus Bank's Mobile Deposit?

Store the check in a safe and secure location to ensure no one else tries to deposit it. After 90 business days have passed, destroy the check.

When will I see the deposit in my account activity? When will funds be available?

All First Citrus Bank Mobile Deposits are subject to review and approval. Holds may be placed on deposits or deposits may be rejected, for various reasons. Funds from mobile deposits that are made before 5:00 PM EST on a business day we are open will be available the following business day if approved by us. If a hold is placed on your deposit and availability of the funds is delayed, you will be notified by us via email.

Why am I receiving an error that my endorsement cannot be detected?

The Mobile Deposit system is having difficulty finding your endorsement signature. Try capturing an image of the check with the endorsement on the other side.

Is there a limit on how much I can deposit via First Citrus Bank's Mobile Deposit?

Yes, items deposited through the Mobile Deposit service must be no more than $2,500.00 in value. The daily limit for Mobile Deposit is also $2,500.00. Items made payable for more than this amount will not be accepted through Mobile Deposit and can be deposited at the First Citrus Bank branch nearest to you.

How can I check the status of my deposit?

  1. Launch your First Citrus Bank App.
  2. Select the Deposits tab to access Mobile Deposit.
  3. Select the View Deposit History option.

You can view the original image from the deposit by selecting the View Check option.

What do the different deposit statuses mean?

Deposit Pending / Pending Review / Under Review / Submitted: The images of the deposit have passed the initial quality test. The deposit is undergoing additional review.

Deposit Accepted: We have completed our review of the deposit and it is being processed. Please note the deposit statuses will not update from Pending to Accepted until after the processing cutoff time of 4:00 PM CST on business days we are open.

Deposit Failed: The image was rejected. There are several reasons this may occur including poor image quality, duplicate item, or insufficient information on the check. If a deposit is initially Pending and switches to Failed, it means it did not pass our final review.If an item is rejected after being in Pending status, you will be notified via email.
These statuses only indicate the status of the item in the Mobile Deposit process. If an item is in Accepted status, it will be sent through the check clearing system and may still be subject to a return. 

Do I need a deposit ticket?

No, a deposit ticket is not needed for Mobile Deposit. Please only capture an image of the check.

Should I delete the image of the check from my phone?

No, the image is never stored on your device; therefore, it is unnecessary to delete it.

Can I deposit more than one check at a time via Mobile Deposit?

Only one check can be deposited at a time. However, you can deposit multiple checks by making separate deposits. Please keep in mind the total amount of deposits allowed through the service in one business day is $2,500.00.

What if I accidentally deposit the same check twice?

The duplicate deposit will be rejected by First Citrus Bank.

What if I cannot capture a quality image of my check?

The background design or font of some checks may make it impossible to deposit the item via Mobile Deposit. If your deposit is rejected multiple times in Mobile Deposit, please deposit the item at the First Citrus Bank branch closest to you.

What types of checks can I deposit via Mobile Banking?

Only checks drawn from accounts held at institutions within the United States and payable in U.S. Dollars are accepted. The following types of items will not be accepted via First Citrus Bank's Mobile Deposit:

  • Foreign checks
  • Traveler’s Checks
  • Money Orders
  • Checks payable to anyone other than you

If I need help, who can I contact?

Feel free to stop by or call any of our convenient branches or email us at 

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First Citrus Bank Brandon

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