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Mobile Application with Mobile Deposit Capability

Mobile Banking/Deposit1st Capital Bank’s mobile application gives you instant, portable access to your account information via your mobile phone or device.

With our mobile application, available through the Apple iTunes® App Store or Google® Play, you can securely access your account balances, recent transactions, transfer funds, make bill payments, and retrieve maps to any of our branch locations.

Our mobile application has recently been enhanced to include Mobile Check Deposit capabilities. This feature is automatically available to our mobile banking customers and allows you to deposit checks from anywhere, at any time.  With Mobile Check Deposit, you can take a picture of the front and back of a check with your mobile device and submit the check image electronically to the Bank for deposit. 

You must have Online Banking to enroll in mobile banking.  If you have not yet enrolled in Online Banking, click here to do so now.  To enroll in mobile banking, download the 1st Capital Bank app from the Apple iTunes® App Store or Google® Play.  Then log into your Online Banking access on a PC, go to the User Services tab, and click the Mobile Enrollment link to register your device and receive your enrollment code.

Answers to Frequently Asked Questions

Who can use Mobile Check Deposit?
Any 1st Capital Bank Online Banking customer who maintains an eligible checking, savings or money market account, has accepted the Mobile Terms and Conditions, and utilizes an Apple® or Android® mobile device can enroll in mobile banking and utilize the Mobile Check Deposit service.  Customers who have enrolled and successfully activated the mobile banking application on their smartphone will automatically have access to Mobile Check Deposit. 

How do I enroll in mobile banking and Mobile Check Deposit?
Click here for detailed enrollment instructions.

What types of checks are accepted with Mobile Check Deposit?
You may deposit checks payable in U.S. dollars and drawn on any U.S. bank. Checks must be payable to and endorsed by the account holder.

Are there limits?
Yes, the limits are $2,500 per day and 20 checks deposited within a 30 day period.  Each check is considered a separate deposit and multiple deposits can be made in a single mobile session.  If these limits are exceeded, the deposit will not be completed and you will receive an error message on your mobile device.

When are the cut-off times and when will my funds be available?
For deposits submitted before 4:00pm PST on a business day, we will consider that the day of deposit.  For deposits submitted after 4:00pm PST or on a non-business day, we will consider the next business day the day of deposit.  Availability of credit from deposits processed through this service will be subject to our then current availability schedule, which may be amended by us from time to time.

Will I receive a receipt for my Mobile Check Deposit?
Yes, you will receive an emailed receipt when your mobile deposit is submitted successfully.

How will I know if there’s a problem with my mobile deposit after I submit it?
If a problem arises with the deposit and it is not processed by the Bank, you will be notified on the processing day of the deposit by email to the email address provided at the time of deposit.

What do I do with a check after I’ve deposited it through Mobile Check Deposit?
Please write “deposited” and the date of deposit on the face of the check and retain the check in a safe and secure environment for a minimum of 14 days after the item has been processed.  This allows sufficient time in case the original check is required for any reason.  The check should be destroyed between 14 and 30 days after processing.

Are there fees?
The cost of Mobile Check Deposit is currently free, but you may be charged for text and/or data by your phone service provider.  Returned checks will be subject to regular returned check fees.

Is Mobile Deposit Secure?
1st Capital Bank makes securing your account information a priority.  The Bank has partnered with a leading mobile deposit provider with a comprehensive risk management platform.  The program utilizes 256-bit encryption and security technology that ensures that Online Banking credentials are not stored on the mobile device, check images are not stored on the mobile device, and all account numbers are masked so that your account information, which you can only access with your Access ID and Passcode, remains secure.

More Questions?

We are available during normal business hours by calling (831) 264-4003 or emailing us at