Mobile Deposit Capture

Mobile Deposit Capture is defined as the use of a camera equipped mobile device to deposit check images. We're glad to provide you with quick, easy services to simplify your banking. 

 

You can deposit checks anytime with the First Century Bank Mobile app.  It’s as simple as snapping a picture of the front and back of your signed check.

 

Mobile Deposit is a complimentary* service available to eligible customers*.

 

If you're already an online banking customers you're ready to enroll:

    1) Login to the First Century Bank Mobile App

    2) Tap Mobile Deposit

    3) Deposit Check

    4) Choose an account for your deposit

    5) Take a picture of the front and back of the signed check

    6) Verify your information and click Done!

    7) Please make note of your deposit reference number

 

Funds will be available the next business day if the deposit was made before the cutoff time.

 

Download the App Click Here              Sign Up for Online Banking  Click Here

 

Mobile Deposit - How it works instructional pdf

 

First Century Bank reserves the right to refuse a deposit or place a hold on the check upon arrival.

 

To view our Mobile Deposit Capture Disclosure click here.

*Enrollment is subject to approval

* There are no fees for this service, however, wireless and data usage fees may apply, please check with your carrier

 

 Frequently Ask Questions 

 

Are there any fees for this service?

First Century Bank does not charge for this service, however, wireless and data charges may apply, please check with your carrier

How long does it take to get approved?

You will receive a status notification regarding your enrollment request within 2-3 business days

When will my deposit be put into my account?

Funds will be available the next business day if the deposit was made before the cutoff time.

Are there deposit amount limits?

Yes, Daily mobile deposits are limited to 20 items or $2,000.00; monthly limits are 100 items or $10,000.00

After I'm enrolled, can I add additional accounts?

Certainly, just contact Elizabeth Johnson or Christy Cole at (423) 626-7261 or (865) 521-1600

How long do I need to keep the original check?

You should store the check in a safe place for 60 days, and then fully destroy the check.

Are the images of my deposits stored on my phone?

The images are not store on your phone the bank stores the images.