Mobile Deposit is a feature of the First Southern Bank Mobile Banking app that allows you to deposit a single check to your checking account by simply taking a picture of the front and back of the check with a camera-enabled iPhone or Android phone. At this time, Mobile Deposit is available only to our consumer Online and Mobile Banking customers.
First Southern Bank’s Mobile Banking app will work with iPhone and Android phone operating systems. Your phone’s camera must have a resolution of two megapixels or higher and you must have a wireless data plan with your mobile device carrier.
Log into First Southern Bank’s Mobile Banking app on your phone and select the “Deposits” icon from the Menu, then select the “Deposit a Check” icon. Next, just take a picture of the front and back of the check, enter the amount of the check, and select the account where the deposit should credit. If your deposit is successful, you’ll receive a “Deposit Confirmation” message.
No! First Southern Bank Mobile Deposit is available to all Mobile Banking users at no charge.
Your standard wireless carrier charges will apply.
Yes, you are required to endorse the check you are depositing by writing, “For Mobile Deposit Only” on the back of the check.
No. We will substitute an electronic deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.
Most checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. Some business-size or longer checks do not work with Mobile Deposit.
All items deposited via Mobile Deposit are subject to Bank review and/or approval. Deposits to personal accounts are limited to 3 items with a total deposit of $3,000.00 per day, with a monthly limit of 25 items with a total deposit of $10,000.00 per month.
No, do not bring the check to the bank after submitting the deposit. We do recommend you keep the check for 60 days or until you receive your monthly statement to confirm the deposit and then destroy the check securely by shredding it.
Deposits made before 5:00 p.m. CST Monday through Friday except on Bank holidays will be processed on the business day received. Deposits made after 5:00 p.m. CST on the days specified above will be processed on the next business day. However, availability of funds deposited through this Service is subject to the Bank’s Funds Availability Policy provided to you at account opening. Our general policy is to make funds available to you on the business day we receive your deposit, as defined above. In some cases, we may delay your ability to withdraw funds beyond the business day we receive your deposit. Then, the funds will generally be available by the second business day after the day of deposit. For a specific listing of circumstances that may delay your ability to withdraw funds, refer to our Funds Availability Disclosure Statement provided to you at account opening.
Deposited check images can be accessed by selecting the desired check image from the list of transactions for the account on the Mobile Banking app.
Camera phone users are generally familiar with their device and its camera. The Mobile Deposit feature has been designed to be simple for the user, but also robust enough to catch errors. After a user takes images of both the front and back of a check, Mobile Deposit will analyze the images for quality and will provide you with feedback almost immediately. You will be notified if the images have been submitted successfully and that the transaction is complete. Alternatively, we may request that you retake the picture because there was a problem reading the check. For example, you may have not taken a picture of the entire check, or the picture was taken with poor lighting, etc. You will also receive an email notification.
Yes, during the Mobile Deposit process you will select from the accounts you requested during enrollment.
Yes, if you have downloaded the First Southern Bank Mobile Banking app to multiple phones, you can enable Mobile Deposit from any of those devices.
This will depend on the speed of your connection. Submit times are usually in the five-to-thirty-second range.
Mobile Deposit provides the following security measures: Login and login authorization, encryption of transmitted data, Secure Socket Layer (SSL) connection requirement, and two-factor authentication (unique device signature). Also, no images you upload through Mobile Deposit are stored to your mobile device.
For assistance with Mobile Deposit, please call Customer Service at 256-718-4200 anytime Monday through Friday from 9:00am to 5:00pm Central Time.
To add or delete an account, you must contact Customer Service.
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