Mobile Check Deposit

Frequently Asked Questions

Use this Table of Contents to find your answers:


What is Mobile Check Deposit?

Mobile Check Deposit offers you a secure, convenient way of depositing paper checks into your account remotely using our Mobile App downloaded from the Apple or Google Play App Stores.

Who is eligible to use Mobile Check Deposit?

Prior to using Mobile Deposit for the first time, you will need to request approval for this service. To do so, click on Mobile Check Deposit, select any account listed (once enrolled, you can deposit into any of your eligible accounts) and agree to the Terms and Conditions.

To be approved, you must meet the following criteria:

  • Are at least 18 years of age and enrolled in Online/Mobile Account Access with Palmetto Citizens.
  • Have a checking account with Palmetto Citizens in good standing with a positive balance.
  • Have at least $25 in your primary savings account (S1) and are not currently delinquent on any loan(s).
  • Have had no (0) returned items resulting in Non-Sufficient Funds (NSF) and no more than five (5) days where Overdraft Privilege was accessed in the last 30 days.
  • Have at least one of the following with Palmetto Citizens:
    • A line of credit (L1, L8, L78, Home Equity Line or Credit Card).
    • Overdraft Privilege on your checking account.
    • Recurring monthly Payroll Deductions/Direct Deposits totaling $1,000 or more occurring in each of the last three (3) months.

How do I deposit a check with Mobile Check Deposit?

Once approved for the service, you will receive an email confirmation. To deposit a check, endorse it and write “For Mobile Deposit Only” underneath your signature. Then, log into the app and choose “Mobile Check Deposit” from the menu.

Next, select the account, enter the amount of the check and take pictures of the front and the back, keeping the edges within the green on-screen guides. The app will verify your images to ensure they are good quality. If needed, it will instruct you to retake your picture(s).

Once the images have been verified, hit “Submit” to send your check for deposit. Once a check has been deposited with this service, it should not be deposited again in person or with any automated service. Doing so may result in a returned check fee and loss of this service.

What are some tips using Mobile Check Deposit?

Follow these tips and guidelines when making a Mobile Check Deposit:

  • Take your check photos in a well-lit area, placing the check flat against a solid dark background before taking your photos.
  • Keep the check within the green on-screen guides when capturing your photos. Make sure that the entire check image is visible and in focus.
  • Keep your phone flat and steady above the check when taking your photos.
  • Flatten folded or crumpled checks before taking your photos.
  • Verify that the back of your check is signed (endorsed).
  • Confirm that the check amount entered matches the amount written on your check.
  • Close other apps running in the background.
  • If you receive error messages when trying to take your photos or submit your deposit, you may need to do a “hard reset” on your mobile device (turn your phone completely off and turn back on).

What version of the Palmetto Citizens App do I need to use Mobile Check Deposit?

In order to use Mobile Check Deposit, you must be using the 2.0 version (released July 2014) or higher of the Palmetto Citizens Mobile App. If you are using a prior version, please download the update available through your App Store. Mobile Check Deposit, and the Palmetto Citizens App, is only available to Apple and Android devices at this time.

Is there a cost for using Mobile Check Deposit?

Use of the Mobile Check Deposit service is free for eligible members. However, data rate charges may apply from your wireless carrier/provider.

When will the funds be available when making a Mobile Check Deposit?

Deposits will be processed each business day. Business days do not include weekends or Federal Holidays. Deposits submitted after 4PM will be considered deposited on the following business day. Hold times vary based on your relationship with Palmetto Citizens. Adjustments to these times will change periodically based on changes to your account relationship(s).

Loan / Savings Balances* Funds Availability
$7,500+ Same Business Day
$100 - $7,499.99 Two - Three Business Days**
Other*** Five Business Days

*Based on average aggregate loan and savings balances from the prior calendar month.
**Two days if you have one of the following with Palmetto Citizens: Visa Credit Card or any Line of Credit with a limit of $1,000 or greater, a Home Equity Line of Credit or a service with Palmetto Citizens Trust & Investment Services. If you do not have one of these services, the funds will be available in three business days.
***Includes: New Members (90 days or less), Less than $100 average balance in Loan/Savings Balances or Denied for a Loan in last 6 months.

Are there limits for deposits made using Mobile Check Deposit?

The limits for Mobile Check Deposit vary based on your relationship with Palmetto Citizens. The Credit Union may, from time to time, make adjustments to these limits based on changes to your account relationship(s). The limits will be as follows:

Loan / Savings Balances* Per Deposit Limit Daily Deposit Limit 30-Day Limit
$15,000+ $5,000 $6,000 $12,500
$7,500 - $14,999.99 $4,000 $5,000 $12,000
$100 - $7,499.99 $1,500 $2,000 $4,000
Other** $500 $500 $2,000

*Based on average aggregate loan and savings balances from the prior calendar month.
**Includes: New Members (90 days or less), Less than $100 average balance in Loan/Savings Balances or Denied for a Service in last 6 months.

What do I do with the paper check after my deposit is submitted?

You should make a distinguishing mark on the check to indicate that you have already deposited the check with Mobile Check Deposit. Then, securely store the check for a period of 90 days. After this period expires, you should destroy the original check.

What types of checks are not eligible to be deposited using Mobile Check Deposit?

Members are not permitted to deposit the following items using this service:

  • Any item that is not legally payable to you or a named joint owner on the credited account.
  • Any item drawn on my account or my affiliate’s account.
  • Any item that has been previously deposited or paid by the drawee.
  • Any item that is stamped with the words or containing the watermark “non-negotiable.”
  • Any item that contains evidence of alteration to the information on the check.
  • Any item issued by a financial institution in a foreign country.
  • Any item that is incomplete.
  • Any item that is “stale dated” or “post dated.”
  • Savings Bonds.

Where can I view the terms and conditions for using Mobile Check Deposit?

View the Mobile Check Deposit Terms and Conditions.