Mobile Deposit FAQs
Mobile Deposit allows you to deposit a single check to your checking account by simply taking a picture of the front and back of the check with a camera-enabled smart phone.
First City 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.
You must be enrolled in First City Bank’s Online Banking & Mobile Banking, all accounts must be in good standing with no other restrictions.
We do not charge a fee for deposits made through Mobile Deposit at this time. However, fees may apply if the deposited item is returned to us. Data charges from your mobile service carrier may apply.
Store the check in a safe and secure location to ensure no one else tries to deposit it. After 15 business days have passed, destroy the check.
All First City Bank 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 4:00 PM CST 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.
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.
Yes, items deposited through Personal Mobile Deposit must be no more than $1,500 in value with a daily limit of $1,500. Business Mobile Deposit limits must be no more than $5,000 in value with a daily limit of $5,000. If you wish to discuss increasing this limit, please contact us.
- Launch your First City Bank app.
- Select the Deposits tab to access Mobile Deposit.
- Select the View Deposit History option.
You can view the original image from the deposit by selecting the View Check option.
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.
No, a deposit ticket is not needed for Mobile Deposit. Please only capture an image of the check.
No, the image is never stored on your device; therefore, it is unnecessary to delete it.
Only one check can be deposited at a time. However, you can deposit multiple checks by making separate deposits. Please keep in mind the total amount of deposits allowed through Personal Mobile Deposit in one day is $1,500.00 and $5,000 for Business Mobile Deposit. If you wish to discuss increasing this limit, please contact us.
The duplicate deposit will be rejected by First City Bank.
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 City Bank ATM closest to you or visit your local branch. We apologize for the inconvenience.
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 City Bank's Mobile Deposit:
Foreign checks
Traveler’s Checks
Money Orders
Checks payable to anyone other than you or your business
Feel free to stop by any of our convenient branches or to call us at 1-850-244-5151.
