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Deposit Checks On-The-Go
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.
➜ Mobile Deposit FAQs
➜ Check out Our How-To Video
➜ View Mobile Deposit Benefits
➜ Explore Quick Tips to Access Your Funds
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.
Snap Pictures
Select a deposit account and enter the check amount. Take a photo of the front and back of your endorsed 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.
Additional Features
- Quick & Easy-to-Use: Cash checks instantly 24/7 from virtually anywhere.
- Convenience: Save a trip to the branch. Deposit checks into your Checking, Savings, or Money Market, account using Citadel Mobile Deposit.
- Security: Citadel Mobile Deposit is secure with encrypted check image capture and transmission. To ensure the security of your mobile deposit with Citadel, all checks should be endorsed with your signature and 'Citadel Mobile Deposit.’*
Access Your Funds on Your Time
- Same Day Deposits: Deposits made before 2PM using Citadel Mobile Deposit, will be processed same day. Mobile deposits made after 2 PM, will be processed the next business day.
- Funds 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.
How to Use Citadel Mobile Deposit
Watch our helpful how-to video to learn how to use your phone to deposit checks quickly and securely to your checking, savings, or money market account from virtually anywhere.
Download the Citadel Mobile Banking app today!
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24/7 access for depositing checks
Quick access to your funds
Depositing checks on-the-go
Security
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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“I appreciate the cutting-edge and forward-thinking advantages of being a Citadel member. My husband belongs to another credit union, but with Citadel's new Money Manager feature I can access both with just one sign-in, which makes my life so much easier! I continue to go to the branch to have a human person service my banking needs. The Springfield Branch personnel is an awesome group who put Citadel on the map with their personal service! That human touch cannot be replaced with automation.”
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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 'Transactions' from the main menu.
- Select 'Make a Deposit' from list.
- 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.
Can I use Mobile Deposit for depositing checks?
Yes, you can deposit checks via Mobile Deposit.
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.
If I want to learn how to deposit a check online, can I contact Citadel?
If you want to learn how to deposit a check online you can contact us for assistance with depositing a check in our Mobile app.
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'.
