Mobile Banking

banking anywhere

Access your banking information from your mobile device with Mobile Banking. 

Learn More about Mobile Banking Options



Mobile Banking

Keeps you in control. You can monitor your accounts using your mobile phone.

Mobile Deposit

Deposit Wherever You Are. Deposit to your INSOUTH Bank account without traveling to a branch.

Mobile FAQs

View FAQs for both Mobile Banking and Mobile Deposit 

Mobile Banking

Keeps you In Control

Mobile Banking is the ultimate on-demand service. With it you can now monitor your accounts using your mobile phone… receive alerts, view accounts, even transfer funds whenever you need to. Wherever you happen to be. You decide how you’ll use it! Request a text message be sent if your balance falls below $50 or when your direct deposit is in your account! Mobile Banking is available to anyone currently enrolled for our Online Banking service. For assistance, call your local branch.

Internet Access

You don’t need Internet access on your phone to take advantage of Mobile Banking. You can send a simple text message to:

  • View account balances
  • View transaction history

If you do have Internet access from your phone, it gets even better. You can log on to:

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay your bills or even your friends and family
  • And with our newest feature, Mobile Deposit, you can take a picture of a check and make a deposit

*Message and data rates may apply.

Your Information Is Safe & Secure

Mobile Banking is as secure as a vault. With multiple layers of authentication, you’ll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.

Mobile Deposit

Deposit Wherever You Are

Deposit to your INSOUTH Bank account without traveling to a branch. Mobile Check Deposit is convenient, secure and available now from INSOUTH Bank. Using an iPhone® or Android™ device, customers can deposit checks into their eligible INSOUTH Bank accounts in a few simple steps. Save yourself a trip to the bank and deposit checks anywhere, anytime.

Why Mobile Deposit with INSOUTH Bank?

  • Deposit Checks 24 Hours A Day
  • Cutoff Time For Deposits Is 4pm!
  • Secure & Convenient
  • Eliminates Trips To The Bank

How To Get Started With Mobile Deposit

You must be a Mobile Banking customer. If you have not done so download the INSOUTH Mobile App from the Apple Store, or Google Play. INSOUTH Customers may contact their local branch, in person to apply for the Mobile Deposit Service. 

Mobile Deposit uses a smartphone camera to take a picture of the front and back of each check and submit the images electronically to make deposits to your checking accounts. When capturing the images, visual brackets provide a guide for centering the check. Each check image is analyzed for quality upon submission; if the image does not pass, the customer is immediately notified and they can re-capture the check image. Customers can cancel the transaction at any time during the mobile deposit process. However, once the transaction has been submitted, it cannot be canceled. Contact Us

Mobile Banking FAQs

  • What Is Mobile Banking?
    Mobile Banking is our mobile service that brings banking to your phone. Mobile Banking allows you to monitor your account from your phone at any time.
  • What Can I Do With Mobile Banking?
    Mobile Banking allows you to:
    • View account balances
    • View transaction history
    • Transfer funds
    • Pay bills
    • Receive text alerts
  • My Phone Does Not Have Internet Access? Can I Still Use Mobile Banking?
    Yes. All you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or history.
  • How Do I Enroll In Mobile Banking?
    For information about how to enroll, click here for a short video
  • Are There Any Guidelines For Creating A Mobile Banking Nickname?
    During enrollment, you are given the option of providing “nicknames” for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for Mobile Banking, because your HIST inquiries use the nickname. It’s also included in the account history message returned by the financial institution.

    For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.

    An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.
  • How Do I Access Mobile Banking?
    Once you enroll for Mobile Banking, simply login with your Online Banking credentials. If you've never used Online Banking select First Time User Enroll Now.
  • What Mobile Phones Are Supported For Mobile Banking?
    Any phone with text messaging capabilities can take advantage of Mobile Banking text alerts.
  • Can I Use Mobile Banking On One Or More Phones?
    Yes. You can add phones, change services or cancel at any time from the Mobile Banking setup screen.
  • Is Mobile Banking Secure?
    Yes. A personal password and phone activation code keeps your information safe.

Mobile Deposit FAQs

  • Who Is Eligible For INSOUTH Mobile Deposit?
    For further information and to determine if you qualify, contact your local branch. 
  • How Do I Make A Deposit?
    • Launch the Mobile Banking App, log in and select “Deposit Check”
    • Take a picture of the front of the check
    • Take a picture of the back of the check
    • Select Account for deposit
    • Enter Check Amount and
    • Select Deposit
    • Review Deposit and
    • Confirm to submit
  • What Items Are Eligible?
    We can accept checks payable to you, drawn on a U.S. Bank. We cannot accept: checks payable to any person or entity other than the person or entity that owns the account that check is being deposited into, checks payable jointly unless deposited into an account in the name of all payees, traveler’s cheques, money orders, checks drawn on a financial institution located outside the U.S., checks not payable in U.S. currency, substitute checks, or returned checks, checks dated more than 6 months prior to the date of deposit, checks with alterations, Credit Card Checks, or COM Checks.
  • How Secure Is INSOUTH Bank Mobile Check Deposit?
    INSOUTH Mobile Banking requires a secure login for access. No one is able to access your account information without knowing your unique username and password. We also use multiple security layers, including data encryption to protect information sent and received. For added security, Mobile Banking never transmits or stores any confidential data on customer devices and ensures that all private information sent shields personal details.
  • What Are The Image Quality Requirements?
    The check images presented to the bank must accurately represent all information on both sides of the checks and check images must contain all endorsements.
  • What Are The Deposit Limits?
    You may deposit up to $2000 a day. Larger daily deposit limits may be approved by request to an officer if qualifying criteria is met.
  • Is There A Fee?
    INSOUTH does not charge a fee for mobile deposit.
  • Do I Endorse The Check?
    Endorse the check and add “For INSOUTH Bank Mobile Deposit Only” below your signature. All deposits are subject to verification and can be adjusted upon review.
  • When Are The Funds Available?
    If you make a deposit before 4:00 p.m. Central Time on a business day that we are open, we will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Your funds will usually be available within 2 business days. Please keep your paper check until the funds are posted to your account. Customer is responsible for verifying that deposits have posted to the appropriate account. Please note: All deposits are subject to verification and can be adjusted upon review.
  • What If I Receive An Error?
    Taking high-quality photos of the check is the best way to make Mobile Check Deposit quick and easy. Notify the bank of any suspected error regarding items deposit through the service immediately, and in no event later than 30 days after we sent you the account statement on which the error appeared. Here are some hints to keep in mind:
    • Good Lighting
    • Dark or Contrasting background
    • Avoid Shadows
    • Only check visible, no other objects or edges
    • Align the check within the green guidelines on the screen
    • Focus is important – being too close can make the image blurry
  • How Long Should I Keep My Check?
    After verifying the deposit has been received you agree to securely store and retain the check(s) for at least 30 calendar days from the date of the image transmission. During this period you agree to promptly provide the check to the bank if requested. After 30 days, you agree to shred the deposited items.


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