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. Mobile Deposit is a simple, convenient 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.

Quick Tips on Using Mobile Deposit
Accessing Your Funds
Mobile Deposit How-To Video
Mobile Deposit FAQs

How It Works:

Sign In

Log into the Mobile Banking app and select ‘Deposit a Check’ from the home screen or ‘Make a Deposit’ from the side menu.

how to deposit a check

Snap Pictures

Select a deposit account and enter the check amount. Take a photo of the front and back of your endorsed check.

how to deposit a check

Submit Your Deposit

Confirm the information entered is correct and tap ‘Submit Deposit.’ Please allow 24-48 business hours for your check to clear.

mobile deposit

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Depositing checks on-the-go


Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

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Frequently Asked Questions

What is 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 'Deposit' from the thumb bar menu.
  • Select the account you wish to make a deposit into.
  • Enter the amount.
  • 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.

Click 'Deposit'. That's it! Your check deposit is complete and funds are available instantly, in most cases; however, standard check holds apply to mobile check deposits.


When will my mobile deposit funds be available for withdrawal?

Funds are deposited instantly in most cases; however, standard check holds apply. Some funds may not be available immediately. 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.

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'.