Deposit Checks On-The-Go

Depositing checks from your mobile device is fast, easy, and secure with Citadel’s Mobile Deposit.

Mobile Deposit

With Citadel’s mobile banking app, depositing checks using your mobile device is fast, easy, and secure. Citadel Mobile Deposit is a simple way to deposit your checks on-the-go using our mobile app. Simply snap a picture of your paper check and follow the prompts on the screen.

Free & Convenient

Citadel Mobile Deposit is free to use for all Citadel customers and can be used 24/7 in Online Banking.

product-24-7-icon

Same Day Deposits

Enjoy same day deposits when using Citadel Mobile Deposit*.

product-bill-version2-icon

Always Secure

Concerned about security? Citadel Mobile Deposit is secure with encrypted check image capture and transmission.

product-lock-icon

Additional Features

  • *Security: To ensure the security of your mobile deposit with Citadel, all mobile deposit checks should be endorsed with: your signature and 'Citadel Mobile Deposit'.
  • Availability: Please allow 24-48 business hours, excluding holidays, for your deposit to reflect in your balance. All standard check holds apply.
  • Immediate Access to Funds: If you need immediate access to your funds, we recommend making your deposit at any of our Citadel Branch Locations.
  • Deposit checks into your Checking, Money Market and Savings account using Citadel Mobile Deposit.
  • Use Citadel Mobile Deposit anytime, anywhere
  • Simple, easy to use features
  • Cash checks instantly
Best For...
24/7 access for cashing checks
Depositing checks on-the-go
Instantly receiving funds
Avoiding going to a branch

Download the Citadel Mobile Banking app today!

Download Now

Explore all of our checking account options today!

Learn More

Hear From Our Customers

Frequently Asked Questions

What is Citadel Mobile Deposit?

Citadel Mobile Deposit, also referred to as Remote Deposit Capture or 'RDC', is a tool in Mobile Banking that allows you to make a check deposit from your mobile device. You can deposit checks into your account simply by taking a picture of your paper check using the mobile app.

How to Deposit a Check in the Mobile App
  • Select the account you wish to make a deposit into.
  • Enter check number and amount, then tap Save.
  • Tap the Capture Image button for each side.
  • Verify that all four corners of the check are visible and all elements are legible.
  • Take the image of the backside so that the endorsement is on the left side of the image.

That's it! Your check deposit is complete. Standard check holds to apply to mobile check deposits.

 

When will my mobile deposit funds be available for withdrawal?

Please allow 24-48 business hours, excluding Holidays, for your deposit to be reflect in your balance. Please securely store the original check for 60 calendar days.

What if I need immediate access to my mobile deposit?

If you need immediate access to your funds, we recommend making your deposit at any of our Citadel Branch Locations.

Which accounts can be used for Citadel Mobile Deposit?

You can use Citadel Mobile Deposit to make remote deposits to any Primary Checking, Money Market and Savings account(s) you have available to you in Online or Mobile Banking.

What happens if I receive an error while trying to make my mobile deposit?

Please see the list of errors you may receive and solutions to make a correction and retry.

  • Cannot read check. Please retake photo. Have steady hands, good lighting, and four check corners visible.
  • Could not find endorsement on back of check. Please make sure check is endorsed by all payees and retake photo.
  • Cannot find check in the image. Please retake. Ensure focus and four corners visible.
  • Check picture is too small. Please retake. Move closer, ensure focus and four corners visible.
  • Shadow detected. Please retake photo with good lighting. Ensure focus and four corners visible.
  • Low contrast detected. Please retake photo with darker background. Ensure focus and four corners visible.
  • Cannot read account data on bottom of check. Please retake photo. Ensure focus and all four corners visible.
  • Significant rotation detected. Please retake photo. Keep check upright and four corners visible.
  • Large angle detected. Please retake photo. Hold phone flat above check and four corners visible.
  • It appears you submitted 2 images of front of check. Please retake both front and rear photos.
  • The amount you entered did not match the amount detected. Please re-enter amount and retake photo.
  • One or more Check 21 tests failed. Please retake photo: focused, good lighting, and four check corners visible.
  • Deposit limit has been exceeded. Please contact your financial institution. The check you entered exceeds our limit. Contact Citadel at (800) 666-0191.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Please allow 24-48 business hours, excluding holidays, for your deposit to reflect in your balance. All standard check holds apply. Money Orders are not accepted. To ensure the security of your mobile deposit with Citadel, all mobile deposit checks should be endorsed with: your signature and 'Citadel Mobile Deposit'.