Mobile Banking

Mobile Banking allows you to view account information, transfer funds and pay bills securely from your mobile phone. This is a free service for Online Banking customers*. Download the CIB App to get started.

To enroll in Mobile Banking, you must be an Online Banking customer and have at least one active deposit or loan account.

Mobile Banking users can:

  • View transaction history and account balances
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View alerts

Mobile Banking utilizes industry standard security technology (SSL) with 128 bit encrypted communication and security certificates making Mobile Banking as safe as Online Banking.

How to Enroll:

  1. Download the CIB App* from either Google Play Store or the Apple App Store store.
  2. Sign in and complete the enrollment process

 

The CIB App is now available for Android™ and Apple iOS devices.

Do your banking anytime, anywhere with the CIB App for Android™ and Apple iOS devices. Simply download the free* CIB App from either the Google Play Store or the Apple App Store.

App Features:

  • View account information
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View alerts
  • Deposit checks with Mobile Deposit
  • Find CIB bank locations near you

The CIB App now offers the convenience of Mobile Deposit – deposit checks using your smart phone!

Mobile Deposit is a free service* available for qualified** Mobile Banking customers. Using an Android™ and Apple iOS device, securely deposit checks into your eligible account anytime, anywhere! Deposits are made by submitting photos of the front and back of an endorsed check.

How to Enroll:

  1. Download the free* CIB App.
  2. Open the CIB App and sign in.
  3. Open the menu and select "Deposits".         
  4. Completed the enrollment process. If qualified**, you will be enrolled in Mobile Deposit within three business days.

How to Use:

  1. Complete the enrollment process above.
  2. Open the CIB App and sign in.
  3. Select “Deposits” from the main menu.
  4. Follow the instructions to complete your transaction or view the FAQ below, “How Does Mobile Deposit Work?”

Important: Checks without a signature and "For Mobile Deposit only at Citizens Independent Bank." written in endorsement area will be rejected. Securely store your check for 14 days or until the deposit posts to your account and then safely destroy it.

Deposit Limits
Daily: Maximum of 3 checks or $1,500 in total deposits
Monthly (calendar): Maximum of 10 checks or $5,000 in total deposits
Business accounts have different deposit limits. Contact Customer Service for more information.

CIB's Digital Wallet solutions give you the ability to pay on the go, right from your phone. Zip through checkout, streamline online purchases, or use for in-app payments - all while enjoying an extra layer of security.

It's easy! Visit the Apple App Store or Google Play to download then follow the prompts. Available for your CIB Debit Mastercard®.

 

*Your mobile carrier’s text messaging and internet charges may apply.
**See a banker for complete details on qualifying.

FAQs


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Q: What is Mobile Banking?

A: Mobile Banking is a service that allows you to connect to your eligible Citizens Independent Bank accounts via the CIB App or the web browser on your mobile phone or other handheld device. You can check account balances, transfer funds, pay bills, and make mobile deposits. The free CIB App is available for Android™ phones and Apple iOS devices. 

Q: How Do I Enroll in Mobile Banking?

A: You are eligible for Mobile Banking if you are an Online Banking customer. You must have at least one active deposit or loan account. To enroll in Mobile Banking, download the CIB App and complete the enrollment process.

Not an Online Banking customer? Click here to learn more and apply!

Q: Is There a Fee for Using Mobile Banking?

A: Mobile Banking is free. Check with your wireless provider for more information regarding any data, text messaging, or internet usage fees that may apply.

Q: What Mobile Devices Can Be Used to Access Mobile Banking?

A: Mobile Banking works with any web-enabled mobile phone device whose network allows secure SSL traffic. The CIB App is available for Android™ phones and Apple iOS devices.

Q: What is the URL for Mobile Banking?

A: To access Mobile Banking through your phone’s web browser, visit www.GOcib.com.

Q: How Do I Get Mobile Deposit?

A: To access Mobile Deposit, you need to be an Online Banking user enrolled in Mobile Banking. To enroll in Mobile Banking, download the free CIB App from the Google Play Store or the Apple App Store.

How to Enroll in Mobile Deposit:

  1. Open the CIB App and sign in.
  2. Open the menu and select "Deposits".
  3. Complete the enrollment process. If qualified, you will be enrolled in Mobile Deposit within three business days.

Q: What If I No Longer Want to Be a Mobile Banking User?

A: To un-enroll in Mobile Banking, log in to your Online Banking account, select Options> Mobile Settings and uncheck the "Enable web access for your mobile device" box, select submit and click confirm.

Q: What Happens if I Lose Communication/Signal During a Transaction?

A: When you complete a transaction from your mobile device (bill payment, funds transfer, mobile deposit, etc.) you will receive a confirmation that the transaction was successful via either a text message or email. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

Q: What happens if I get a new phone or if I lose my mobile device?

A: Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the wireless provider and/or phone number. If your new phone uses the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log into your Online Banking account via a computer and update your information on the Options > Mobile Settings page. You will not receive text messages regarding Mobile Banking transactions if your phone number is not correct.

Q: How Does Mobile Deposit Work?

A:

  1. Once you have the CIB App installed, log in using your Online Banking user ID and password.
  2. From the home screen, select “Deposits”.
  3. Select “Deposit a Check”.
  4. Select “Check Front”. Using the corner guides, take a clear picture of the front of your check then select “Use”.
  5. Select “Check Back”. After endorsing your check, use the corner guides to take a clear picture of the back of your check. Select “Use”.
  6. Enter the amount of the check.
  7. Select the account for deposit.
  8. Select “Deposit” after reviewing the check amount and account for accuracy. This will submit your deposit for processing.

After submitting your deposit, you will receive an acknowledgement within the CIB App as well as via email indicating whether or not your submission was successful. Important: Checks without a signature and "For Mobile Deposit only at Citizens Independent Bank." written in endorsement area will be rejected. Securely store your check for 14 days or until the deposit posts to your account and then safely destroy the check.

 

Q: What are the Deposit Limits for Mobile Deposit? Is There a Cut-Off Time?

A: The daily deposit limits are a maximum of 3 checks or $1,500 in total deposits. The monthly deposit limits are a maximum of 10 checks or $5,000 in total deposits. The cut-off time for same business day deposits is 4pm Central Standard Time. Deposits made after 4pm CST will be considered deposited the next business day.

Business accounts have different limits. Contact Customer Service for more information.

Q: How Do I Know If My Transfer, Bill Payment, or Deposit Was Entered Successfully?

A: Each time you make a transfer or bill payment, a confirmation text message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through. For Mobile Deposit, you will receive an acknowledgement within the CIB App as well as via email indicating whether or not your submission was successfully received for processing.

Q: Why Can’t I Add a New Payee?

A: Functionality is limited to sending payments to already established payees. To add a new payee, log into www.bankcib.com from a computer, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.

Q: How Do I Delete a Bill Payment That I Set Up Through My Mobile Device?

A: You must log into Online Banking via a computer and delete the payment from the main menu of the Bill Pay module.

Q: When I Try to Enter an Amount, I Can’t Enter Any Numbers, Only Letters. Why?

A: Check your phone's settings to make sure you don't have alpha-only enabled on the keypad.

Q: Is Mobile Banking Secure?

A: Yes. We utilize industry standard security technology (SSL) with 128-bit encrypted communication and security certificates, making Mobile Banking as secure as Online Banking.