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Frequently Asked Questions

Mobile Check Deposit


+What is Mobile Check Deposit?
Mobile check deposit allows you to deposit checks from your iPhone® or AndroidTM app. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your First Citizens Bank checking, savings or money market account. For full details, please refer to the Mobile Banking Terms and Conditions.
+Is there a fee to use Mobile Check Deposit?
First Citizens Bank does not charge a fee to use Mobile Check Deposit.
+What is the maximum deposit limit for Mobile Check Deposit?

The maximum deposit limit for Retail customers is $5,000 daily and $15,000 in a 30 day rolling period.

The maximum deposit limit for Business customers is $15,000 daily and $30,000 in a 30 day rolling period. Mobile Check Deposit is only available to businesses using Personal Online Banking to access their business accounts. Mobile Banking and Mobile Check Deposit are not available to Business Online Banking customers.

The maximum deposit limit for Wealth customers is $15,000 daily and $30,000 in a 30 day rolling period.

*These limits are for illustrative purposes only. Your actual limit may vary based on your account type, transaction history, overall banking relationship, and other factors determined by First Citizens Bank. Your actual deposit limit may be less than the limits shown here.

+How many deposits can I make in one day?
There are no limits for the number of deposits you can make per day. However you cannot exceed the maximum daily or monthly deposit amount limits.
+When will my deposits be available?
Funds deposited using Mobile Check Deposit will generally be made available within 3 business days from the day of deposit. However, availability of funds deposited may be delayed for a longer period under certain circumstances. Deposits received and accepted by 9:00 p.m. Eastern time on a business day we are open is considered to be received that day. Deposits received after 9:00 p.m. Eastern time will be received on the next business day.

Deposits are subject to verification and will not be available for immediate withdrawal. Deposits made using Mobile Check Deposit are not subject to the funds availability requirements of Regulation CC.

+Is an endorsement required for Mobile Check Deposit
All checks should be properly endorsed prior to deposit.
+What should I do with my paper check?
Once the check has been deposited successfully, you should keep the check in a safe place for 30 days. Once the deposit has been verified and the 30 days has elapsed, mark the check "Void" and destroy it.
+What devices are supported?
All iPhone models 3GS or later and most recent AndroidTM phones.
+What types of checks can I deposit?
First Citizens Mobile Check Deposit will accept several check types, as outlined below:
  • Checks Allowed for Deposit:
    • Personal, business and government checks payable in U.S. dollars
    • Checks drawn on a U.S. bank
    • Checks payable and endorsed by the account holder
  • Checks NOT Allowed for Deposit:
    • U.S. postal money orders and savings bonds
    • Foreign or international checks
    • Traveler's checks
    • Money orders
    • Convenience checks or checks drawn on a line of credit

For full details, please refer to the Mobile Banking Terms and Conditions.

+Can I view previous deposits in the mobile app?
Previous deposits and status are available from the Deposits History screen for up to 90 days.

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