Mobile Deposit FAQ

What is Business Mobile Deposit and how does it work?

Business Mobile Deposit allows you to deposit a single check into your business checking 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 Business Mobile Deposit and what are the device requirements?

First Citrus Bank’s Mobile Deposit 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 & Mobile Banking, have an account that has been open for at least 60 days and all accounts must be in good standing with no other restrictions.

Is there a fee for Mobile Deposit?

Yes, $.75 per deposit. Maximum amount to be charged within one month is $34.50. Data charges from your mobile service carrier may apply.

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

The Bank reserves the right to impose limits on the amount(s) and/or number of Mobile Deposits per day/per month that you transmit using the service and to modify such limits from time to time. Nothing in this Addendum should be construed as requiring The Bank to accept any check or item for deposit, even if we have accepted the type of check or item previously. Nor shall The Bank be required to identify or reject any checks that you may submit through the Service that fail to meet the requirements of this addendum.

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 e-mail. 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 Business 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. 

What if I accidentally deposit the same check twice?

The duplicate deposit will be rejected by First Citrus Bank. If you are concerned you may email us at businesonline@firstcitrus.com as well to let us know.

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 ATM closest to you or visit your local branch. We apologize for the inconvenience.

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 any of our convenient branches or to call us at 813.926.2848.

Watch Our Mobile Banking Video

  • Citrus Park
  • Carrollwood
  • Kennedy
  • South Tampa
  • Brandon
  • Follow Us:
  • Visit Our Facebook Page
  • Visit Our LinkedIn Page
  • youtube-icon
First Citrus Bank Site Map Privacy Notice10824 N. Dale Mabry Hwy Tampa, FL 33618 All rights reserved | logo-ehlEqual Housing Lender, Member FDIC.

Personal Online Banking Enrollment

We've enhanced our online banking to better serve you. If you haven't already done so, please enroll in our new system.

Note: This will take you to a third-party site. Note that the third party's privacy policy and security practices may differ from our standards. We assume no responsibility nor do we control, endorse or guarantee any aspect of your use of the linked site.

Enroll Now Continue to Login
Brandon Location Map

First Citrus Bank Brandon

1314 Oakfield Drive | Brandon, FL 33511

Customer Service

813-864-0929

Loans

813-269-5414

Fax

813-864-0937

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Carrollwood Location Map

First Citrus Bank Carrollwood

10824 N. Dale Mabry Hwy | Tampa, FL 33618

Customer Service

813-926-2848

Loans

813-269-5414

Fax

813-269-5416

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Citrus Park Location Map

First Citrus Bank Citrus Park

13850 Sheldon Road | Tampa, FL 33626

Customer Service

813-926-5588

Loans

813-269-5414

Fax

813-864-1250

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Kennedy Location Map

First Citrus Bank Kennedy

4302 West Kennedy Blvd. | Tampa, FL 33609

Customer Service

813-422-6625

Loans

813-269-5414

Fax

813-422-6650

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
South Tampa Location Map

First Citrus Bank South Tampa

4240 Henderson Boulevard | Tampa, FL 33629

Customer Service

813-287-0992

Loans

813-269-5414

Fax

813-287-0322

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm