Deposit Wherever You Are

Deposit to your INSOUTH Bank account without traveling to a branch.

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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

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.

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 via email, in person or telephone 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 anytime during the mobile deposit process. However, once the transaction has been submitted, it cannot be canceled.

In order to be eligible for INSOUTH Mobile Deposit you must have been an INSOUTH Bank customer for at least 6 months and have held your account relationship in good standing. You must be designated as an owner on the account and approved by INSOUTH. Accounts with Fraudulent activity, excessive or uncollected overdrafts, returned deposit items, kiting, unusual or suspicious activity will not be eligible for Mobile Deposit. For further information about qualifications, please contact Customer Service at 1-800-541-3891.
  • 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
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.
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.
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.
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.
A .50 fee will apply for each deposit.
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.
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.
Taking high-quality photos of the check is the best way to make Mobile Check Deposit quick and easy. Here are some hints to keep in mind:

  • Good Lighting
  • Dark 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

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.

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.