First Minnetonka City Bank

Report Debit Card Fraud 24 Hours a Day: (800) 472-3272

Contact Us (952) 935-8663

Mobile App Code: GoMobile0896

Toll Free (888) 935-8191


Mobile Deposit | Frequently Asked Questions

Q. Who can use Mobile Deposit?

  • Customers that have an eligible personal checking or savings account with Online Banking and Mobile Banking.

Q.  What devices are supported?

Google Android models:  

  • Android (Froyo) 2.2 or newer
  • Cameras with 2.0+ Megapixel resolution and autofocus
  • Either touch screen or keyboard phones

iPhone 3GS, 4, 4S, 5, 5S, 5C, 6 and 6 Plus models

  • Apple iOS 6.0 or newer

Q. Is electronically depositing checks safe and secure?

  • Yes, the online transmission of checks via Mobile Deposit is secured through a secure SSL encrypted browser session.
  • You should protect your login and password for Mobile Banking as you would for any online banking or financial services.

Q.  Are there any fees for Mobile Deposit?

  • Mobile Deposit is no charge for consumers meeting all requirements.
  • Other fees may still apply, however; such as those for returned deposited items and message and data rates from your mobile carrier.  You should also consult the Bank’s fee schedule and deposit account agreement for further information regarding fees applicable to your account.

Q.  How am I notified that my deposit has been accepted?

  • You can view your deposit history in the Mobile Banking App to confirm your deposit was accepted or view your account statement within Online Banking.

Q.  When is the cutoff time for making a deposit?

  • All Mobile Deposits made before 3:00 pm CT are processed and credited the same day and are generally made available on the next business day under the Bank’s Funds Availability Policy.
  • Deposits processed after 3:00 pm CT will be processed the following business day, with availability of funds on the business day following when the deposit is processed.
  • Deposits made on Saturday, Sunday or Federal holidays will be processed the next business day.
  • Saturdays, Sundays, and Federal holidays are not considered business days for processing purposes, even if the bank may be open on those days.

Q.  What do I do with the checks once I have deposited them electronically and have verified that my deposit has been credited to my account?

  • You should mark them as being electronically deposited (to prevent mistakenly re-depositing  the checks) and store them securely for 15 days.
  • After that, the checks should be shredded and disposed of properly to prevent identity theft or misuse.

Q. Can I deposit any type of check with Mobile Deposit?

Mobile Deposit can accept most check types.  However the following check types cannot be processed using Mobile Deposit.

  • Checks which are stale (more than 6 months old,) or post-dated (made payable at some point in the future;
  • Foreign Items;
  • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you);
  • Checks payable to you and another party who is not a joint owner on the account; or
  • Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn;
  • Checks made payable to “Cash”;
  • Travelers checks;
  • U.S.  Savings Bonds;
  • Substitute checks (i.e., paper checks previously created from an electronic image)
  • Checks that have been previously negotiated;
  • Checks that have previously been submitted through this service or through a remote deposit capture service offered at any other financial institution;
  • Deposits which exceed your per check or daily limit.

Q. Do I need to endorse my check?

Yes, all checks must be endorsed with your signature, and should be specifically marked “For Deposit Only”.

Q.  Are there any helpful hints when using Mobile Deposit?

Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.

  • Sign/Endorse the back of your check, and label it “For Deposit Only.”
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Flatten folded or crumpled checks before taking your photos.
  • Keep the check within the view finder on the camera screen when capturing your photos.  Try not to get too much of the areas surrounding the check.
  • Take the photos of your check in a well-lit area.
  • Place the check on solid dark background before taking the photo of it.
  • Keep your phone flat and steady above the check when taking your photos.
  • Hold the camera as square to the check as possible to reduce corner to corner skew.
  • Make sure that the entire check image is visible and in focus before submitting your deposit.
  • Be sure there are no shadows across the check.
  • All four corners of the check should be visible.
  • Be sure that the check is not blurry
  • The MICR line (numbers on the bottom of your check) is readable.


Learn More | Contact Our Personal Banking Specialists

Glen Lake: (952) 935-8663

14550 Excelsior Blvd.
Minnetonka, MN 55345
Hours & Directions

Country Village: (952) 935-5995

11500 Highway 7
Minnetonka, MN 55305
Hours & Directions


Report unauthorized activity

To report unauthorized activity or a lost or stolen Visa Debit Card, call (952) 935-5995 or (952) 935-8663 during our business hours. After hours, call (800) 472-3272.

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