Following is a list of questions about Bank Anywhere that are frequently asked. If you still have questions, please contact a Simmons First location near
you.
Simmons First Bank Anywhere
Browsers and Online Security
Simmons First Bill Payment
Simmons First eStatements
Is there any special equipment that I need to access Simmons First Bank Anywhere?
A: To access Simmons First Bank Anywhere you will need a personal
computer that has an established connection to the internet through your choice of Internet
Service Providers (ISPs). Simmons First Bank Anywhere requires any one the following
browsers:
Microsoft Internet Explorer 7..x
Microsoft Internet Explorer 6..x
Microsoft Internet Explorer 5.x
Netscape 7.x and higher
AOL 4.x
AOL 7.x and higher
Mac PowerPC Netscape 7.x (Macintosh Only)
Safari for Mac
FireFox 2.0
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What happens the first time I logon to Simmons First Bank Anywhere?
A: The first time your logon, you will be prompted
to change your Password for security reasons. After that, it's up
to you!! You may immediately begin:
- Viewing account balances, including checking, savings, loans, lines of credit and credit card information.
- Transferring funds between your deposit accounts and to make payment on your loans.
- Viewing account transaction history
- Downloading transactions into your financial management software.
- E-mailing us with questions or support inquiries.
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My Bank Anywhere User ID is a twelve digit number. Do I
have to put that number in each time I logon?
A: No. You must use the twelve-digit number the first time your
logon. After that you may create an "alias" for yourself. Simply click on "Management" and assign yourself an easy to remember logon name.
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How soon will I see transactions on my Simmons First Bank Anywhere Account?
A: Simmons First Bank Anywhere is online and real-time. Most transaction that occurs on your account is available immediately through Simmons First Bank Anywhere. Credit card transactions are not real-time.
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Is Simmons First Bank Anywhere Safe?
A: The security and privacy of your financial information is a priority with Simmons First. The Simmons First Bank Anywhere utilizes several features to help protect your privacy:
- Simmons First Bank Anywhere ID & Password. You must use the correct combination of Bank Anywhere ID & Password to access your Simmons First Bank Anywhere account. You have the option to change your Password as often as you like.
- Technology. Simmons First Bank Anywhere utilizes the Secure Sockets Layer (SSL) protocol to communicate with your computer. SSL Security protects data in three ways:
a. Authentication
This keeps another server from impersonating the Simmons First Bank Anywhere server
b. Encryption
This scrambles the data while it is being transferred.
c. Data Integrity
This verifies that the information sent by you to Simmons First wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
- Simmons First Bank Anywhere limits the transfer of account numbers over the Internet. When you enroll in Simmons First Bank Anywhere, we ask you to give each of your accounts a "nickname." We transmit and display those nicknames over the Internet whenever possible. After you have enrolled, you may change your account nicknames yourself during any Simmons First Bank Anywhere session. Note: Account numbers will be displayed when viewing check/deposit images or previous statements through Simmons First Bank Anywhere.
- Automatic Sign Off. If there is no activity on your Simmons First Bank Anywhere session for ten (10) consecutive minutes, the Simmons First Bank Anywhere server will automatically sign you off.
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What security methods may I use to ensure the privacy of my online account?
A: These tips will help keep your financial information secure when using Simmons First Bank Anywhere.
- Select a Password that is not easily guessed.
- Do not use the same Password for Simmons First Bank Anywhere that you use on other Internet sites.
- Simmons First will NEVER contact you for your Password. If you are contacted for your Password, please let our e-Banking Department know by calling toll free 1.866.246.2400.
- Do NOT disclose your Password to anyone.
- Do not write down your Password.
- Do not leave your computer unattended with your Simmons First Bank Anywhere account information open. You would always "Exit" your session before leaving your computer.
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What is a "Cookie" and do I need them for Simmons First Bank Anywhere?
A: During each session in which you use Simmons First Bank Anywhere, the Bank will
pass a "Cookie" to your browser for the purpose of identifying you during that session. A
"Cookie" is security data that is given to an Internet browser by a web server that is
returned by the browser to the server on subsequent transmissions to identify the user and
encryption information. When you log onto Simmons First Bank Anywhere, a "Cookie" enables the
Bank to process multiple Transactions during the same communication session without you having
to provide your Simmons First Bank Anywhere ID and Password for each
individual transaction. Whenever you log off of Simmons First Bank Anywhere, or whenever you
remain logged on to Simmons First Bank Anywhere for ten (10) consecutive minutes without
actively using Simmons First Bank Anywhere to obtain new Account information or conduct a
Transaction, the same "Cookie" is no longer accepted by the server and must be renewed through
re-entry of your Simmons First Bank Anywhere Password. A new "Cookie" is used for each log-on
session, so no one may use the "Cookie" to access your Account without entering your Simmons
First Bank Anywhere Password.
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Whom may I pay through Simmons First Bill Payment?
A: You may pay virtually anyone in the United States. You cannot pay a government agency or court-ordered obligation. Payments to an address outside the U.S. are not allowed.
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When will the money be taken out of my account?
A: If the payment is remitted to the Payee electronically, the money will be withdrawn from your account at the time the payment is processed.
If the payment is remitted to the Payee by check, the money will be withdrawn from your account when the check clears your account just as if you had written the check from your checkbook.
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What if I do not have enough money in my account?
A: If the Payee is an electronic recipient, the payment will not be processed if funds are not available. The payment will attempt to process each day until either the funds are available or the payment is deleted.
If the Payee is a check recipient, the payment will be processed according to instructions. If funds are not available when the check is presented for payment, we may either refuse to honor the check or complete the transaction and thereby overdraw the account. In either event, you are responsible for any Insufficient Funds charges that may be assessed.
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What happens if I have a scheduled payment that falls over a weekend or holiday?
A: Scheduled payments that fall over a weekend will
be processed on Friday. Any new payments that are scheduled over the weekend, for the
current weekend, will be processed on Monday. Holiday processing is done the business day prior to the holiday.
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May I use Simmons First Bill Payment if I live outside the U.S.?
A: Yes, as long as you have a checking account at Simmons First. However, you cannot pay bills to payees located outside the United States.
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May I get a copy of a cancelled check?
A: Since check payments made to Payees are drawn on your checking account, you may view and print a copy of a cleared Bill Payment check through Simmons First Bank Anywhere. Simply find the check in your list of Transactions and click on the check number. An image of the check will be displayed for you to view and/or print.
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How long is history retained in the VIEW PAYMENT HISTORY section?
A: Payment History records are kept indefinetly.
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How far in advance should I set up a payment to insure it is paid on time?
A: Check payments should be scheduled seven (7) to ten (10) business days
in advance of when you want the payment to actually be delivered to the payee.
Electronic payments should be made three (3) to five (5) business days in advance of when you want the payment to be posted to the payee.
*NOTE - You may want to set up a payment to yourself so you may see how the system works.
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How late in the day may I enter, edit, or delete a payment?
A: Although bill payments may be scheduled for the current Business Day or any date in the future at any time, they will only be processed twice a day at 2:00 A.M. Central Time and 12:00 P.M. (noon) Central Time. If you attempt to schedule a payment for the same Business Day after the 12:00 P.M. (noon) Central Time, the payment will be processed the following Business Day at 2:00 A.M. Central Time. Anything scheduled on a non-Business Day, will be processed the Business Day prior to the non-Business Day.
To cancel or change a scheduled payment, the request must be submitted before the 2:00 A.M. Central Time processing time on the scheduled payment date. Otherwise the payment will be processed according to its instructions at 2:00 A.M. Central Time on the scheduled payment date.
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May I postdate a single payment?
A: Yes, just set the payment date for a valid future date.
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May I postdate recurring payments?
A: Yes. If a monthly recurring payment is set up to be
paid on the 15th and the current date is November 12th, a payment will be scheduled for the
month of November and set up to occur the 15th of every month until the Expiration Date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th
the first payment will occur on December 15th.
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May I stop a payment?
A: If the payment was remitted to the Payee by check, you may stop payment on the check if it has not cleared your account. You may request a stop payment through Simmons First Bank Anywhere by selecting Stop Payments for the account on which the check was drawn. Then complete and submit the stop payment form. You may also request a stop payment by contacting a Simmons First Financial Center. Fees may apply to stop payment requests.
If the payment was remitted to the Payee electronically, you may not stop the payment. You will need to contact the Payee for a refund of the payment
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What does the "status" field indicate on the PAYMENT HISTORY PAGE?
- Processed - The payment has been processed and sent.
- Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.
- Communication Failure-There was an error due to communication problems.
- Vendor Refund - Payment rejected and your checking account will be refunded.
What payment frequencies are available?
A: You may set up payments in any of the following frequencies:
- One-Time
- Weekly
- Bi-weekly
- Semi-monthly
- Monthly
- Quarterly
- Semi-annually
- Annually
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How many payees may I have set up?
A: There is no limit to the number of payees you may
set up through Simmons First Bill Payment.
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May I have multiple payments to the same payee on the same day?
A: You may make multiple payments to the same payee as long as the payment amounts are different.
For your protection, the system will not pay duplicate the same payee and amount in the same day.
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May I edit payee addresses?
A: No. You will have to set up a new payee with the correct address and delete the old one.
But, deleting the old payee will remove the history of that payee. You may
leave the old payee listed to retain your history of that payee.
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How do I know if a payee is electronic or check?
A: Once you have set up the payee/merchant, VIEW PAYEES screen will indicate whether the payee is electronic or check.
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Will the memo field that I fill out when setting up a payment be passed on to the payee?
A:The memo will appear on paper check remittances.
The memo field is 40 characters long. Any amount over 40 characters will be cut off. The memo field will not be transmitted to an electronic recipient.
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What is Simmons First eStatements?
A: Simmons First eStatements is an alternate method of delivering periodic statements to you.
The traditional paper delivery of statements via the US Postal Service is replaced with an email notice to your email address indicating that your statement is ready for viewing. The email will contain a link to the Bank Anywhere login page. When you log into your Bank Anywhere account, you will be directed to the statement that has been generated for the account.
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What do I need in order to use the Simmons First eStatement service?
A: To use the Simmons First eStatement service you must have the following:
- An active Simmons First Bank Anywhere account
- A 128-bit encrypted browser
An active email address
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Is there a cost for the Simmons First eStatement service?
A: No, the service is free.
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How do I request the eStatement service?
A: The process for enrolling in eStatements is:
- Login to your Simmons First Bank Anywhere account.
- Select eStatements from the Management section.
- Select the accounts for which you want eStatements enabled and the format with which you wish to view your statements. Click Submit.
- The "Simmons First eStatement Enrollment Disclosure" is displayed. Click I Agree.
- A confirmation email is sent to your email address on file. The confirmation email includes a link that you must click on and follow back to your Bank Anywhere account to confirm your enrollment.
- After the confirmation email link is followed you are enrolled in the eStatement service. The paper production of your statement for the accounts selected will be discontinued. Note: If you do not "confirm" your enrollment, you will be considered "unconfirmed" and will continue to receive your statement in the traditional paper fashion.
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Which Simmons First accounts are eligible for eStatements?
A: eStatements are available for deposit accounts and credit cards. We do not yet offer eStatements for loan products.
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May I setup some accounts to receive eStatements while other accounts receive paper statements?
A: Yes. You may select which accounts are enrolled in the eStatement service. If the account is not selected, a paper statement will be produced.
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Will you receive any paper statements after enrolling in the eStatement service?
A: No, enrollment is immediate.
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May I get both paper and eStatements?
A: No. You may have one service or the other. You may print your statement from Simmons First Bank Anywhere at any time.
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How long are statements saved on Bank Anywhere for me to review?
A: eStatement customers have their statements saved on Bank Anywhere for 18 months. Non-eStatement customers have their statements saved on Bank Anywhere for 3 months.
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What if I don't like eStatements how do I un-enroll and start getting paper statements again?
A: You can "un-enroll" at any time. The process is similar to enrolling but you de-select the accounts for which you want to receive paper statements. You will need to agree to the disclosure agreement to complete the "un-enrollment" process.
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Does an eStatements look like a traditional statement?
A: Not exactly. eStatements are not produced on our statement stock. eStatements are black and white with no color logos but have the same layout of our printed statements.
Additionally, if your account is eligible for an imaged statement, the images are NOT included in the eStatement. Individual images of cleared items remain available to you for up to 90 days through Bank Anywhere but the customary 12-images per printed page is not available.
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What happens if I give the bank a bad email address and Simmons First cannot deliver the email notice that the statement is ready?
A: A paper statement will be produced and mailed to your address on file via the US Postal Service. Your account will also be "un-enrolled" from the eStatement service. You may re-enroll at any time but will need to provide a good email address to the bank.
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Will I receive images of my cleared checks with my eStatement?
A: If your account is eligible for an imaged statement, the images are NOT included in the eStatement. Individual images of cleared items remain available to the you for up to 90 days through Bank Anywhere but the customary 12-images per printed page is not available.
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Who do I call if I still have questions?
A: Contact Bank Anywhere Customer Support toll free at 866.246.2400 between 8:30 a.m. and 4:30 p.m. each banking day.
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