Mobile Check Deposit
Requires iOS 16.0 or later
Requires Android 8.0 or later
Great Southern's Mobile Check Deposit allows you to deposit checks without going to the bank or an ATM. It's as easy as Snap. Flip. Snap.
So, here's how it works:
You'll need a couple things to start using Mobile Check Deposit:
- An iOS or Android Device
- A Great Southern Deposit Account (you can open an account online if you need one)
- A Great Southern Online Banking ID (enroll now to get yours)
- The Great Southern Mobile App*
- A Check to Deposit
Got all that? Now you're ready to roll.
Open the Great Southern Mobile App
Login using your online banking username and password. Once logged in, tap the "Deposit" button on the menu at the bottom of your display.
Enroll your account
Now you'll be asked to enroll your account in Mobile Check Deposit. After our team has reviewed your application, we’ll notify you within two business days regarding the status of your request. Nicely done!
Let's make a deposit
Tap "Deposit Check" on the Mobile Deposit screen. Select the account into which you're making a deposit. Enter the amount the check. Add a brief description of the check, then tap "Front of Check." This will activate your phone camera, so here's a quick "photography 101."
Snap
SnapPlace the check on a well-lit, flat surface. Center the check in your phone display, and snap a photo. You can then either save or retake the photo.
Flip
FlipOnce you get a clear picture of the check front, press save. You’ll return to the main deposit screen. Now flip the check over so the back is showing, and tap “Back of Check.”
Snap
Follow the same steps you did for the front side. By the way…be sure the back of the check is endorsed with “[Signature] For GSB Mobile Deposit only [Account #]”, or your deposit may not be processed.
Now that you have two well-lit, easy-to-read photos, press the submit button to send your deposit to the bank for review.
After our team has reviewed your deposit, we’ll send you a text message confirming your transaction has been approved…or informing you of an issue and directing you to a customer service number to get things straightened out.
And that’s it! Snap, flip, snap, deposit. You’re a mobile check deposit expert!
*Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.
FAQ
How do I use Great Southern Mobile Check Deposit?
In order to get Great Southern Mobile Check Deposit you will need to be a user of both Great Southern Online Banking and the free Great Southern Mobile Banking App, available to you in the App Store and Android Marketplace. To enroll in Great Southern Online Banking, visit us at www.GreatSouthernBank.com/enroll .
Please note: Your account must currently be in “Good Standing” status in order to utilize this service.
How do I sign up to use Great Southern Mobile Check Deposit?
You can enroll in Mobile Check Deposit using the most current version of the Great Southern Mobile Banking App on a compatible mobile device. Your account must be in good standing to use the Mobile Check Deposit service. Once your enrollment has been reviewed, we will notify you that Great Southern Mobile Check Deposit is ready to use, or advising you that your enrollment has been declined. If you don't receive an email within two (2) business days, please contact Great Southern at 800-749-7113 or log in to your Great Southern Online Banking account to send a request using the Mail Message Center.
Do I need to be a Great Southern Online Banking user to utilize this service?
Yes, you do need to be enrolled and actively using Great Southern Online Banking to utilize this service. Your Great Southern Online Banking ID must have access to either a Checking or Savings account on which you are a signer. We utilize your online ID to authenticate that you are in fact the owner of the account and have authorization to deposit funds into the account.
What types of items can I deposit using this service?
You can deposit most paper checks that do not exceed $3,000.00 per check, per day. The check must be made payable to the account owner or joint owners and must be properly endorsed.
What types of items cannot be deposited using this service?
You cannot deposit foreign checks, bonds, 3rd party checks, returned or re-deposited items or rebate checks using this service.
When making a deposit, how do I properly endorse my check?
In order for your deposit to be accepted, you will need to properly endorse the back of your check. To properly endorse your check, you must sign with:
[Payee Signature]
For GSB Mobile Deposit Only
[Account # receiving deposit]
Is there a limit to how much I can deposit?
Deposit amount limits are as follows:
• No more than $3,000.00 per transaction can be deposited using this service.
• No more than $3,000.00 per day can be deposited using this service.
• No more than $10,000.00 per month can be deposited using this service.
How can I change my limits?
In order to request approval for a change to your limits for this service, please log in to your Great Southern Online Banking account from your computer and send a request using the Mail Message Center. If you have questions about increasing your limits, please feel free to send a Mail Message Center Message or call Online Banking Support at 800-749-7113.
How can I add an account to my Great Southern Mobile Check Deposit service?
In order to add an additional Checking or Savings account to your service, please log in to your Great Southern Online Banking account and send a request using the Mail Message Center. You may also contact us at 800-749-7113.
Is my business account eligible for this service?
Yes. Once you have submitted your request for this service through your Great Southern Online ID, we may contact you in order to request additional information prior to activating the service. To inquire about similar services that may be better suited for business accounts with higher check volumes, please contact us at 800-749-7113 Ext. 7020 or log in to your Great Southern Online Banking account and send a request using the Mail Message Center.
Once I’ve made my deposit, what do I do with the check?
Once you have submitted the image of your check for deposit, you should keep the actual check for 60 days in case there are any issues with the deposit. This check should be stored in a secure place that will ensure it is not mistakenly deposited again.
After you are able to verify the deposit on your periodic statement, you should write "VOID" across the face of the check in blue or black ink. After 60 days, if you do not hear from us and there are no issues with the deposit in your account, you should destroy the check via secure means.
Can a Mobile Deposit be rejected?
Mobile deposits may be rejected for any of the following reasons:
The software could not easily read the check
Retake the picture. Be sure to keep a steady hand and make sure all four corners of the check are in the picture frame. Be sure the check is lying as flat as possible and on a dark background. Ensure that you have ample lighting to read the text clearly.
The check exceeds your deposit limit
Deposit the check at the Great Southern Banking Center most convenient for you, or contact us to request a limit increase.
The check is not endorsed properly.
Be sure that the check is endorsed as follows:
[Payee Signature]
For GSB Mobile Deposit Only
[Account # receiving deposit]
The amount entered does not match the amount written on the check.
Verify that you have entered the check amount correctly.
The item has already been deposited.
Review your transaction history for your account. Has the check already been deposited?
These are the most likely reasons that your check was rejected. If you have corrected these issues and your check is still being rejected, please contact us at 800-749-7113 or by logging into your Great Southern Bank Online Banking Account and sending a message using the Mail Message Center; or deposit your check at the Great Southern Banking Center most convenient for you.
After my deposit is made, how soon will I have access to the funds?
We generally apply the terms of the Great Southern Bank Funds Availability Schedule to check images received via Mobile Check Deposit as if we had received the original paper check. However, in addition to any exceptions specified in the Great Southern Bank Funds Availability Schedule, we may delay availability of funds from any deposit you make through Mobile Check Deposit at any time at our sole discretion, including due to any concern we may have regarding our ability to collect based upon any check image that you present.
Note: Cutoff time for submitting deposits is 7:00 PM Central Time (business days only). Message and data rates may apply. Please check with your mobile service provider for access rates, texting charges, and other applicable fees.
