Deposit checks in a snap:

Here's what you need to get started:

  • 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
Enroll your account in Mobile Check Deposit through the app. Our team will review your application and notify you within two business days about your enrollment status.

Let's make a deposit
Tap "Deposit" and enter the amount of the check before selecting continue. Select the account into which you're making the deposit.

  • Snap
    Place the check on a well-lit, flat surface. Center it in your phone's camera view and tap to take a photo. Review the image and either save it or retake it if needed.

  • Flip
    Flip the check over to photograph the back.

  • Snap
    Follow the same steps for the back side. Important: The back of the check must be endorsed with '[Signature] For GSB Mobile Deposit Only' or your deposit won't 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.
 

That's all there is to it. After we review your deposit, you'll receive a text confirming your transaction or providing next steps if we need additional information.

*Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.














FAQ

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.

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.
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.
You can deposit most paper checks up to $3,000 per transaction. The check must be made payable to the account owner or joint owners and must be properly endorsed.
You cannot deposit foreign checks, bonds, 3rd party checks, returned or re-deposited items or rebate checks using this service.

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

These are the default deposit limits for Mobile Check Deposit:
  • $3,000 per transaction
  • $3,000 per day
  • $10,000 per month

Deposits that exceed these amounts may be subject to additional review. If you regularly need to deposit larger amounts, you can request a limit increase through the Mail Message Center in Online Banking or by calling us at 800-749-7113.

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.
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.
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 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.

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 deposit exceeds your default limits.
Deposits above your default limits may require additional review. To request a limit increase, contact us at 800-749-7113 or send a message through the Mail Message Center in Online Banking. You can also deposit the check at any Great Southern banking center.
 

The check is not endorsed properly.
Be sure that the check is endorsed as follows:

[Payee Signature]
For GSB Mobile Deposit Only

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.

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.





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