Centric federal credit union mobile deposit funds availability

Description

FUNDS AVAILABILITY POLICY DISCLOSURE This disclosure describes your ability to withdraw funds at Centric Federal Credit Union. It only applies to the availability of funds in transaction accounts.

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Centric federal credit union mobile deposit funds availability

Centric federal credit union mobile deposit funds availability

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Deposit Checks On-The-Go

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

  • Mobile Deposit

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.

Quick Tips on Using Mobile Deposit

Check endorsement: To endorse your check, simply turn it over and sign your name on the back. Look for 'Endorse Here' and be sure to sign using black or blue ink on the top 1.5 inch section of the check.
Taking a picture: For best results, have ample lighting and lie the check flat on a dark background. Be sure all four corners are visible and position your camera directly over the check (not angled).
WiFi signal: Ensure you have a strong Wi-Fi or cellular signal and you're using the latest available operating system for your device.
Deposit amount: Double-check the amount of your check against what you’ve entered to avoid a mismatch when trying to submit a 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.

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.’*

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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Best For...

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.

Centric federal credit union mobile deposit funds availability

Get Started

Centric federal credit union mobile deposit funds availability

Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

Centric federal credit union mobile deposit funds availability

Hear From Our Customers

Member-Centric & Friendly

“I've been with Citadel since 2000. I have never been with a credit union that's as easy to access, or is as customer-centric and friendly. I love the Bill Payer and haven't written a check in years. It's always a pleasure to walk into my branch or use the drive-up window. Every employee I've ever encountered has been exceptional. I would recommend these folks to anyone who is frustrated with their bank. You'll never leave. ”

Centric federal credit union mobile deposit funds availability

Cutting-Edge & Forward-Thinking

“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.”

Kitty M.

Wonderful Representatives

“I love banking with citadel. Mobile banking is so convenient and easy. I wouldn't bank anywhere else. I've never had a problem with anything. The representatives are wonderful when I've needed to call.”

Christopher P.

Online Banking From Brazil

“As missionaries in Brazil for 10 months a year, banking online with Citadel is so easy and a great help to us. Their customer service has proven to be amazing!”

Thomas H.

Centric federal credit union mobile deposit funds availability

Anytime, Anywhere Banking

“I have been a Citadel member 20+ years. I have never had a an issue that was not handled immediately. The customer service is amazing! Online Banking is super simple and easy to use. I do 90% of my banking online or using the Citadel app. Anytime banking conversations arise I praise Citadel and try to convert all my friends and family to Citadel!”

Jefferson G.

Centric federal credit union mobile deposit funds availability

Intuitive Mobile App

“The website is easy to use for both my account information and to find general information about Citadel. I also use the mobile app, which is also very intuitive to use.”

Tracy C.

Centric federal credit union mobile deposit funds availability

24/7 Banking

“I find it very easy and convenient to check our account, which I do often. I love Online Banking and the convenience it offers, plus the fact that I am able to so 24/7.”

Annette Y.

Online Banking is AWESOME

“I first opened my account with Citadel when I was working in Kennett Square 17 years ago. After 17 years I still have my account with Citadel. Great customer service, and their Online Banking is AWESOME.”

Terry E.

Centric federal credit union mobile deposit funds availability

Nothing But Great Experiences

“I have been with Citadel since 1990 and have had nothing but great experiences and great service. Their Online Banking tools have made banking a dream. Citadel strives to improve services all the time. I will never bank anywhere else.”

Philip C.

Highly Recommend Citadel

“Citadel is a very good provider of banking services in Montgomery and Chester County. I have been with them for over 20 years. I do most of my banking online. The interest rates are very competitive, and customer service has always been very good. I highly recommend Citadel.”

Jim B.

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.

*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'. 

How long does it take for a mobile deposit to be available?

In some cases, a mobile check deposit can be available within just a few minutes of uploading the check into the mobile banking app. However, it usually takes around one business day for deposits to go through. Following instructions from the bank carefully regarding uploads can speed up the deposit timeline.

Are mobile deposits available same day?

Funds will generally be made available the same day if deposited on a business day before 8:00 PM. The daily deposit limit is $5,000 per account. For peace of mind, you'll receive an email when you deposit the check AND when the funds are available in your account.

How long does Mobile deposit take CNB?

When are the funds available for use? If deposit is made prior to 6:00pm EST on a business day, funds will be available the following business day. How long do I need to keep a check after I deposit it using CNB Mobile Deposit? 10 business days (14 calendar days).

How long does Mobile deposit take Afcu?

1.2 Funds Availability. Generally, checks scanned and transmitted via Remote Deposit before 4 p.m. Mountain Standard Time on a business day (defined as Monday through Friday excluding holidays.) will be received by the Credit Union on that day.