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To help you prepare for the decommissioning of cheques, we have listed below all the important dates and changes to be aware of. You’ll also find all your alternative payment options to help make the transition as easy as possible.

Why are we phasing-out cheques?

The use of cheques continues to rapidly decline, with many preferring instead to pay their bills through digital means, such as online and mobile banking. As a result, we have seen NAB, our payment services provider, make the decision to stop their chequing services, resulting in us being unable to issue or accept cheques.

So, what’s going to happen and when?

10 December 2023
  • New cheque books and deposit book facilities will no longer be available or be able to be requested through online banking or within our branches. Existing cheque book facilities will not automatically re-issue replacement cheque books.
31 January 2024
  • We will no longer issue Financial Institution Cheques (also known as Bank Cheques). Please talk to our helpful team to learn about other payment options.
31 March 2024
  • At Great Southern Bank branches, you’ll no longer be able to make any deposits using your Great Southern Bank Cheque book, Deposit book or bank cheques. (We will no longer accept cheques issued by an Australian bank, however, cheques drawn on an overseas bank in a foreign currency may still be deposited)
  • All personal cheques and deposit book services will cease.
24 May 2024
  • Any unpresented cheques will be dishonoured, you and your payee will need to arrange another method of payment.
  • Great Southern Bank cheques cannot be banked at another bank.
  • Deposits can no longer be made with your Great Southern Bank deposit book at other banks.

Still using cheques? There are other ways.

Paying bills by cheque

Whether it’s a council, utility, or phone bill, you have a range of convenient digital payment options.


With BPAY, you can make one-off or schedule recurring payments on a date that suits you. Simply use the BPAY biller code (or BPAY QR code) and Customer Reference Number provided by the business who sent the bill for fast, easy payments.

Direct debit

Using your BSB, Account Number and Account Name, you can set up a direct debit that allows a merchant or service provider to withdraw an agreed amount of money from your account into a merchant’s or service provider’s account at set times.

Credit or debit cards

You can make a payment using your credit or debit card both online and in-store.

If you have a compatible smartphone or wearable, some cards can also be added to your device’s digital wallet, which uses your biometric data (e.g., fingerprint or face scan) to authorise payments.

Settling a property or buying a car

If you’re making a big purchase, you have a range of safe and secure digital payment options.

Telegraphic transfer

Telegraphic transfers are electronic payments of cleared funds that are credited directly to a nominated bank account.

Direct debit

Using your BSB, Account Number and Account Name, you can set up a direct debit that allows a merchant or service provider to withdraw an agreed amount of money from your account into a merchant’s or service provider’s account at set times.

Pay Anyone with Osko

If you have your payee’s BSB, Account Number and Account Name, you can make a transfer to their bank account from your mobile app or online banking with the Pay Anyone feature.

To receive payments, you’ll simply need to provide your payer with your BSB, Account Number and Account Name.

Receiving a cheque

If you receive a cheque after 24 May 2024, you have alternative methods to receive your money.


We’ve partnered with Australia Post to give you convenient access to key banking services at more than 3,400 locations around the country – from city centres to regional hubs.

Bank transfer

If you receive cheques such as payments from the Government, or as shareholder dividends, consider giving them your BSB and account number. This will provide faster, more convenient, and more secure payments direct to your bank account.


Frequently asked questions

Where can I find my nearest Bank@Post to deposit a cheque?

You can locate your nearest participating Post Office by visiting the Australia Post website at

What do I do with my existing cheque or deposit books?

You can use your existing cheque book up until 31 March 2024. After this date we encourage all cheque and deposit books to be destroyed. You can either return it to a branch, via mail or dispose of it yourself.

Will my account number change?

No, neither your account number nor your BSB will change when cheques are decommissioned.

What happens to my cheque if it is presented after 24 May 2024?

If you present a cheque after the 24 May 2024, it will be dishonoured, and the funds will be returned. The payee will need to seek an alternative payment from the payer.

What should I do if I receive cheques on a regular basis?

Consider having funds directly credited to your bank account by providing your BSB and account numbersto those making the payments.

Alternative ways to bank

Online banking
24/7 secure online access to your accounts.
  • Manage your accounts quickly and simply.
  • Pay bills, transfer money and check your balance in one place.
  • Safe and secure login.
Mobile banking
Banking on the go from the convenience of your phone.
  • Transfer money, make payments and pay bills fast.
  • View your transactions and check balances.
  • Safe and secure login.
Get started with online banking
Check balances, pay bills and much more. To access online banking, you'll first need to register, which is quick and easy.
Register now
Get in touch
We are here to help and guide you through this transitional stage.
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Find a branch
Speak to one of our friendly staff at a branch near you.