Instant funds from Citizens™
Deposit* checks anytime, anywhere on your smartphone with Mobile Check Deposit. Quick, easy, secure, and now with Instant Funds from Citizens™ when you deposit a Citizens check, you may have access to your money immediately.2
Securely deposit a check in 5 simple steps
Be sure you're enrolled in Online Banking, and you've downloaded the Citizens Mobile Banking App for your iPhone® iPad®, or Android™
Download our mobile app**
Citizens makes it easy for you to deposit checks anytime quickly and securely from virtually anywhere using the Citizens Mobile Banking app.
Video
- Open the latest version of the Citizens Mobile Banking app and tap Deposit.
- Enter the amount of your deposit (make sure it matches what's on your check). Then select which account you want to deposit it into.
- Sign the back of your check and write "For Mobile Deposit to Citizens Only: below your signature.
- Tap the camera icons to take photos of the front and back of your check. Be sure they are on a dark background, in a well-lit area without anything else in the background or image.
- Double-check your deposit info, then tap Deposit. You're all set!
Learn how to do more with Citizens
Mobile Deposits FAQs
Common questions about mobile deposits
With Mobile Deposit, depositing checks is easier and more convenient than ever, since you can use your phone to:
- Deposit checks anytime, anywhere – saving you trips to the branch.
- Make deposits up until 10 pm ET and still get your money the next business day, in most cases. See our Digital Banking terms for details.
- When eligible, get instant access to your deposited funds for withdrawals and purchases.2
You can deposit checks with Mobile Deposit 24 hours per day, 7 days per week. Just keep in mind deposits made after 10 pm ET or on weekends or holidays are processed the next business day, unless approved for Instant Funds from Citizens™. See our Digital Banking terms for details.
Deposits approved for Instant Funds from Citizens are available immediately for purchases and withdrawals.2
Nope! You can deposit checks with Mobile Deposit 24 hours per day, 7 days per week.
Just keep in mind deposits made after 10 pm ET or on weekends or holidays are processed the next business day, unless approved for Instant Funds from Citizens™. See our Digital Banking terms for details.
Deposits approved for Instant Funds from Citizens are available immediately for purchases and withdrawals.2
Most deposits made before 10 pm ET on a business day are available the same business day to pay checks and purchases posting to your account overnight, and the next business day for withdrawals. Here's an example:
- It's 8 pm Monday and you just used the mobile app to deposit a $100 check.
- That deposit will cover the $50 birthday check your niece deposited today and the $30 yoga class you put on your debit card, both posting tonight.
- The remaining $20 will be cleared to withdraw tomorrow, just in time for Taco Tuesday.
Mobile deposits made after 10 pm ET or on weekends or holidays are usually available two business days later.
Deposits approved for Instant Funds from Citizens are available immediately for purchases and withdrawals2
See our Digital Banking terms for more details.
- Checks payable to other people or accounts
- Checks missing signature of issuer
- Checks more than six months old
- Foreign checks and items not payable in U.S. currency
- Travelers checks, money orders, and postal money orders
- Checks that exceed your available deposit limit
Yes, for your protection, deposit limits apply. When you make a Mobile Deposit, you will be notified of the amount you can deposit. If you exceed this limit, you'll receive a message informing you about your limit. At that point, please visit an ATM or branch to submit your deposit.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
* Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. For a complete list of payments checks not eligible for Mobile deposit, Citizens Mobile Deposit Service Agreement for more information.
** Wireless carrier, text, and/or data charges may apply
1 Citizens Mobile Banking App Users: You may download the Citizens Mobile Banking App allowing access to many of the same services and features available with your online banking service. You understand and acknowledge that to use this application, you must be an Android™, Apple®, iPhone®, iPod Touch®, or iPad® customer. You can view balances and transaction activity for eligible credit and deposit accounts included in your online banking. You may also perform transfers between your own Citizens accounts. Transfers to external accounts must be set up previously on Online Banking before they can be accessed via Mobile Banking. E-statements, transfer set-up, Quicken® and self-initiated services like stop payments are not available using your Citizens Mobile Banking App. Account e-statements are available for certain accounts via the iPad tablet application.
2 Citizens may offer the customer immediate availability if the mobile check deposit qualifies for Instant Funds from Citizens. Instant Funds provides immediate availability for withdrawals and new purchases. If the check is deposited before 12:00 AM Eastern Time on a Business Day, Instant Funds can also be used to pay checks and other items that post to your account on that business day. Determining eligibility of a check(s) for Instant Funds is at the sole discretion of Citizens. Citizens reserves the right to set limits, eligibility, and/or qualifications at any time.
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Quicken is a registered trademark of Intuit, Inc.