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Frequently Asked Questions

Simmons Bank Mobile Banking lets you view your balance or transaction history in a flash. With mobile banking, you can access balance information, pay your bills, transfer funds and find nearby ATMs or banking centers through the browser on your cell or mobile phone.

Simmons Bank is pleased to offer mobile phone banking to all Bank Anywhere, online banking, customers. If you have access to the Web on your mobile device, your mobile banking will be fast and convenient - just log in to your Bank Anywhere account to get started with Mobile Banking. Best of all, Simmons Bank Mobile Banking service is free 1, secure, and allows you to manage your accounts wherever and whenever you want.

Following is a list of questions about Mobile Banking and Mobile Deposit that are frequently asked. If you still have questions, please contact a Simmons Bank location near you.

Mobile Banking

Q:  What are the restrictions on the type of mobile devices that can be used to access accounts?
Q:   What functions can I perform from my mobile device?
Q:   How do I know if my transfer or bill payment was entered successfully?
Q:   What if I no longer want to be a mobile user?
Q:   What happens if I lose my mobile device?
Q:   Why can't I add a new payee in Bill Payment?
Q:   What happens if I lose communication/signal during a transaction?
Q:   What do I need to do if I get a new phone?
Q:   How can I search for a transaction?


Mobile Deposit

Q:  What is Simmons Bank Mobile Deposit?
Q:   What do I need in order to use Simmons Bank Mobile Deposit?
Q:   Where do I find the Mobile Deposit option in the Simmons First app?
Q:   Who is eligible to use Simmons Bank Mobile Deposit?
Q:   How do I request Mobile Deposit?
Q:   May I enroll more than one account for Mobile Deposit?
Q:   Do I need to use a deposit slip to make a deposit through Mobile Deposit?
Q:   Should I endorse my check before taking a picture?
Q:   What type of checks can I deposit with Mobile Deposit?
Q:   When will funds be made available to me from deposits made by Mobile Deposit?
Q:   Are there limits for deposits made through Mobile Deposit?
Q:   What do I do with the check after I deposit it through Mobile Deposit?
Q:   What is the cost for Mobile Deposit?

Q.What are the restrictions on the type of mobile devices that can be used to access accounts?

A.Mobile Banking is not device specific. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

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Q.What functions can I perform from my mobile device? 

A.You can:

  • View Transaction History
  • View Account Balances
  • Transfer Funds between accounts
  • Pay Bills to existing Payees (deposit customers only)
  • View Alerts

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Q.How do I know if my transfer or bill payment was entered successfully?

A.Each time you make a transfer or bill payment, a confirmation SMS Text Message2 can be sent to your mobile device. You must select this service when you enroll in Moblie Banking.  You can edit this setting on the Management > Mobile Settings page.

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Q.What if I no longer want to be a mobile user?

A. Log in to Bank Anywhere, internet banking and Select

  • Management >
  • Mobile Settings >
  • Deselect Activate Mobile Banking Access >
  • Click Submit.

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Q.What happens if I lose my mobile device?

A.Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the wireless provider and/or phone number.

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Q.Why can’t I add a new payee in Bill Payment? 

A.You may only send payments to established payees. To add a new payee, log in to Bank Anywhere, internet banking, and add a new payee. You can then submit payments to that payee via your mobile device.

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Q.What happens if I lose communication/signal during a transaction?  

A.When you complete a transaction from your mobile device (bill payment, funds transfer, etc.), you will receive an SMS Text Message2 as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

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Q.What do I need to do if I get a new phone?  

A.If you simply get a new phone but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Bank Anywhere, internet banking, account via the Internet and update your information on the Management > Mobile Settings page. You will not receive SMS Text Messages2 regarding Mobile Banking transactions if your phone number is not correct.

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Q. How can I search for a transaction? 

A.You will be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.

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Q:  What is Simmons First Mobile Deposit?

A:  Simmons Bank Mobile Deposit allows you to deposit checks to any of your Simmons Bank checking accounts using the camera on your mobile phone or tablet.  Using the Simmons Bank App for the iPhone or Android,  login to your Bank Anywhere, online banking, and select the Deposit icon.  Select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check.

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Q:  What do I need in order to use Simmons Bank Mobile Deposit?

A:  To use the Simmons Bank Mobile Deposit service you must have the following:

  • An active Simmons Bank Anywhere account with Mobile Banking enabled; and
  • The most recent version of the Simmons First app for the iPhone or Android.

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Q:  Where do I find the Mobile Deposit option in the Simmons First app?

A:  Select More and choose Deposit.

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Q:  Who is eligible to use Simmons Bank Mobile Deposit?

A:  Simmons Bank Mobile Deposit is available to Simmons Bank customers who have:

  • the most recent Simmons Bank for iPhone or Android app and have enrolled in Simmons Bank Mobile Banking;
  • an active Simmons Bank account with a positive balance for at least 90 days;
  • no more than 2 returned deposited items (chargebacks) in the last 90 days;
  • demonstrated financial responsibility with all Simmons Bank accounts.

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Q:  How do I request Mobile Deposit?

A:  Login to Bank Anywhere from your computer and select the Mobile Deposit tab and follow the instructions on the screen.

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Q:  May I enroll more than one account for Mobile Deposit?

A:  Yes. You may enroll as many checking accounts as you like for Mobile Deposit as long as the accounts qualify.

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Q:  Do I need to use a deposit slip to make a deposit through Mobile Deposit?

A:  No.  We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account.  You will only need to take a picture of the front and bank of the check being deposited.

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Q:  Should I endorse my check before taking a picture?

A:  No.  We will add a standard endorsement to your check as we process it.

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Q:  What type of checks can I deposit with Mobile Deposit?

A:  Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit.  Some business size checks (the long ones) do not work with Mobile Deposit. 

The following examples are types of payments/checks which cannot be deposited through Mobile Deposit:

  • Federal Government Checks
  • Money Orders
  •  Traveler’s Checks
  •  Savings Bonds
  • Foreign Checks (not drawn on a US bank)
  •  Insurance Drafts

For a complete list of payment/check types which cannot be deposited with Mobile Deposit please see the Simmons Bank Mobile Deposit Terms & Conditions

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Q:  When will funds be made available to me from deposits made by Mobile Deposit?

A:  Mobile Deposits will generally be made available to you on the business day following the deposit date.  Provisional credit is not granted for Mobile Deposits.

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Q:  Are there limits for deposits made through Mobile Deposit?

A:  Mobile Deposit limits are up to:

  •  20 checks per month;
  • $3,000 per day; and 
  • $7,500 per month.

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Q:  What do I do with the check after I deposit it through Mobile Deposit?

A:  Once you verify that the funds have been applied to your account correctly, you should shred the check.

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Q:  Are there any fees associated with using Mobile Deposit?

A:  Mobile Deposit is $0.50 per check deposited.  

 

1 You will be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

 

2 Text Messaging fees by your carrier will apply.

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