• As a new customer, when will my money be available for withdrawal?

  If you are a new customer, the following special rules will apply during the first 30 days your account is open:

  • Funds from electronic direct deposits originated from third parties to your account will be available on the Business Day we receive the deposit.
  • Funds credited to your account as a result of ACH debits originated by you with us will generally be available on the 5th Business Day following the credit to your account.
  • Funds from the first $5,525 of a day’s total deposits of cashier’s, certified, and most federal, state and local government checks will be available on the 2nd Business Day after the day of your deposit if the deposit meets certain conditions. The excess over $5,525 will be available on the 7th Business Day after the day of your deposit.

  For additional details around our Funds Availability Policy for new customers, please review our Deposit Account Agreement.

• What types of checks can I deposit?

  You can deposit a wide variety of checks as long they are made payable to the account holder. For more information on the types of checks you can deposit, please see our Deposit Account Agreement. 

• Is there a limit on deposits?

  Yes – there are limits to how much you can deposit using the mobile app. 
  If you’ve been a customer for 31 days or more, you can deposit up to $100,000 and 25 checks per day and up to $1,000,000 per month. If you’ve been with us for 30 days or fewer (welcome!), you can deposit up to $50,000 and 25 checks per day and up to $500,000 per month.

  Need to deposit more? Mail it – checks deposited by mail are limit-free. Just sign it, write your Citizens account number and “For Deposit Only to Citizens” to the endorsement line, and send it to us at:

  Citizens Access
  PO Box 6801
  Carol Stream, IL 60197-6801

• How does mailing a deposit work?

  To mail a deposit:
  1. Ensure the check is made payable to you from another U.S. financial institution (no foreign checks)

  2. Endorse the back of the check with the following information

  • Your signature
  • "For Deposit Only to Citizens Access" on the endorsement line
  • Your Citizens Access account number

  Mail your check to:
  Citizens Access
  PO Box 6801
  Carol Stream, IL 60197- 6801

• Can I deposit cash?

  No. We cannot accept a cash deposit. Sending cash through the mail is inherently very risky. Please ensure all deposits are made via online transfer, check by mail or mobile deposit.

• How do I deposit a check using my phone?

  Easy. Just log in to the Citizens Access mobile app (available free in the Apple App Store and Google Play Store), tap Move Money, then Deposit a Check. Follow the prompts to endorse your check and snap some photos and, just like that, your drama-free deposit is done.

• How do I set up direct deposit?

  You’ll need to follow the procedures outlined by your payroll or benefits provider to set up your direct deposit but they will need the following information:

  • Your Citizens Access account number
  • Our routing/ABA number: 011601443
• How do I fund my accounts?

  You have two easy options:

  1. Online transfer. Transfer money from a savings or checking account at another US financial institution. All you’ll need is a routing and account number.

  2. Deposit a check. As long as it’s a check made payable to you from another U.S. financial institution, you can deposit it quickly and easily using the Citizens Access mobile app (available free on the Apple App Store and Google Play Store). Just log in, tap Move Money, then Deposit a Check. Follow the prompts to endorse your check and take some photos and, **snaps fingers**, you’re all set.

  No smartphone? No problem. You can always mail your check to us at this address:

  Citizens Access
  PO Box 6801
  Carol Stream, IL 60197-6801

  What else should you know? You can only make a deposit to a CD when you open the account. We don’t accept cash deposits or wire transfers. And all deposits, regardless of how they’re made, are subject to verification, final payment and our Funds Availability policy.

Have more questions? Get more answers in our full FAQs section.