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The Plains State Bank is your full-service hometown bank, helping people create a secure financial future since 1906.


Who is eligible for Mobile Check Deposit?
Customers who are enrolled in Mobile Banking and have an eligible checking or savings account are eligible.  A mobile banking customer who is eligible for Mobile Check Deposit will be presented with terms and conditions after accessing the deposit check function within the mobile app.  Any customer not eligible for Mobile Check Deposit will receive a message that the account is not currently eligible for the Mobile Check Deposit service when trying to access it with the mobile app.

What types of accounts are eligible for Mobile Check Deposit?
All consumer checking or savings account that meet specific qualifications will be eligible for Mobile Check Deposit.  Free small business accounts are also eligible for Mobile Check Deposit once qualifications have been met.

What qualifies my account in order to use Mobile Check Deposit?
Customers will automatically be qualified to participate in Mobile Check Deposit if they have a supported checking or savings account.  For further information and qualifications, call Plains State Bank at 620-563-7242.

What types of checks can I deposit with Mobile Check Deposit?
Any checks drawn on institutions located in the United States that have a MICR line can be processed through Mobile Check Deposit. See the image below for sample of the MICR line.

MICR Example

Are there any limits on the dollar amount and the number of deposits I can submit?
There is no limit for number of deposits allowed. The standard deposit limit is $5,000 per business day.

Are there fees associated with using Mobile Check Deposit?
No, there are currently no charges to use this service. You may be charged a fee by your mobile carrier.

How do I make a deposit using Mobile Check Deposit?

  1. Launch the mobile banking app and log in
  2. Select "Deposit" at the top of the screen
  3. Select account for deposit
  4. Enter check amount and select continue
  5. Take a picture of the front of the check
  6. Take a picture of the back of the check
  7. Review deposit and confirm to submit

Do I need a photograph both the front and back of my check?

Yes.  During the deposit process, you will be required to photograph the front and back of the check.

How do I endorse my check for Mobile Check Deposit?

You will endorse your check exactly as you would if depositing at a Plains State Bank location.

How will I know that Plains State Bank received my deposit?

You will receive a deposit confirmation on the screen after submitting your deposit that will state your deposit has been received.

When will my deposit post to my account?

It can take up to 48 hours to post the deposit to your account.

Is there a cut-off time to make my deposit?

If you make a deposit before 6 pm (CST) on a business day, we will consider that day to be the day of your deposit.  However, if you make a deposit with Mobile Check Deposit after 6 pm (CST), on a weekend or a federally observed holiday, we will consider that the deposit was made on the next business day.

Can I deposit more than one check at a time?

You can deposit multiple checks in the same mobile banking session, however you may only photograph and submit one check per deposit at a time.

What if the check image is bad?

If the check image is unclear or critical information is missing then you will receive an error message asking you to recapture the image.  You may retake photographs of the check by selecting the retake button after the image has been captured.  If you are unable to photograph a clear image, please deposit your check at one of our Plains State Bank locations.

What do I do with the check after using Mobile Check Deposit?

You will need to retain the check for 60 days after the receipt of confirmation that we have received the deposit.  After the full deposit has posted and 60 days have passed, you may mark the check "VOID" and destroy it.

Can I make my opening account deposit through Mobile Check Deposit?

No, at this time Mobile Check Deposit cannot be used to initially fund a new account.

What if I submitted a deposit for the wrong amount?

If a different amount is entered than detected on the check, you will receive an error message informing you that the amount entered does not match.  You will need to verify the amount of the check and retake the photograph to deposit.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, you will receive an error message informing you that the check has already been deposited or cannot be accepted.

A check I submitted was returned, can I resubmit it?

No, if a check is returned for insufficient funds, you may not re-deposit the check through Mobile Check Deposit.

I keep receiving a blurry image error message when attempting to submit the deposit.  What might be the issue?

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 the check should be visible (no other objects or edges); align the check within the white guidelines on the screen; and focus is important (being to close can make the image blurry).

How secure is Mobile Check Deposit?

Plains State Bank requires a secure login for access. No one is able to access your account information without knowing your unique name and password.  We also use multiple security layers, including data encryption to protect information that is 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.