Simmons Bank mobile banking demo video transcript

Audio

Visual

00:00;00

If you already know where you want to go, feel free to click there now. Otherwise, we'll go through a brief overview. Remember, you can always skip ahead by pressing the fast forward button on the top right at any time.

The logged-in dashboard screen of the app is shown, with the account’s summary, quick options, bank contact, and recent transactions.

00:13;25

With Simmons Mobile Banking, it’s easy to manage your accounts, make transfers, pay bills, and more from your device. You have the main menu located on the left and you can view the selected content on the right. By clicking on your name, at the bottom of the menu, you have the ability to sign out or configure your settings.

The [navigation menu] button in the top left corner is selected, causing the main menu to slide in from the left side. This menu allows users to navigate to the various screens of the app.

00:34;07

The dashboard allows you to easily access your accounts, quick options, credit score, card management: where you can set card alerts and disable your card. Transactions: which shows the most recent activity of all your accounts, messages, transfers, payments: where you’ll see your bill pay activity, and your recent deposits. You can also customize your dashboard to view what’s important to you. You can click on the table of contents on the bottom right of the video player at any time to view a full list of available sections in this demo. If you're unsure about how to do something such as setting up eStatements, try clicking on the table of contents or select the How-To button on screen to see some options.

The accounts, quick options, transactions, messages, transfers, payments, and recent deposits sections are highlighted on the dashboard screen.

01:45;28

By clicking on a credit card or a debit card, you can manage its settings such as choosing to enable and disable the card as well as view and modify alerts. These alerts can be based on locations, merchant types, transaction types, and spending limits. For debit cards, you can also report it as lost or stolen, re-order a card, and activate the card here.

You can also click on the airplane icon to create and edit travel notices for your card. Simply add the destination, select the dates you’ll be traveling, and click “Save”.

Card Management screen is shown.

02:28;20

By clicking on your icon, you can view and edit your profile.

The user icon in the top right corner, labeled "user profile" is selected, opening the user settings menu.

02:40;09

Here you can view and track your credit score. You also have quick links below to go to the other menu pages.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Overview screen for My Credit is shown.

03:02;03

The credit report page displays your personal and account information including balances, public records, and other credit information.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Credit Report screen for My Credit is shown.

03:27;22

This page displays specific factors that contribute to your current credit score. You can tap on specific factors to learn more about how to improve your score.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Score Factors screen for My Credit is shown.

03:51;17

Debt analysis shows the total balance due from all of your accounts and provides a debt to income calculator. You will also find an itemized section displaying individual balances for specific accounts.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Debt Analysis screen for My Credit is shown.

04:19;00

Here you’ll find notifications about changes to your credit score.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Credit Monitoring screen for My Credit is shown.

04:37;00

Through the score simulator you can preview different scenarios by selecting a feature below to see how your credit score might be affected.

Click on another menu item to explore another page or click the back button to return to the dashboard.

Score Simulator screen for My Credit is shown.

04:59;15

The different sections of the dashboard can be rearranged by dragging the different boxes around to better fit your needs. You can remove a section by clicking on the X, or you can add more sections by clicking on Add a Card.

Organize Dashboard screen is shown. Dashboard cards are dragged around to rearrange their order on the screen.

05:20;13

Here you can see the combined transactions from all your accounts. To see the transactions of a specific account, click on the desired account from the dashboard. The search bar allows you to enter any text to locate a specific transaction. You can also access search filters by clicking on the gear in the top right.

Transactions screen is shown with a search bar at the top and the most recent transactions listed below.

05:48;02

In the “All” tab, you can discover nearby ATMs as well as our branch locations. The other tabs will show you those specific points of interest such as branches, or ATMs.

List gives you the names of nearby branches and ATMs. Notice that the branches are indicated by a bank icon and the ATMs are indicated by a credit card icon.

Locations screen is shown with the [All] sub-page map in view.

06:18;21

It’s easy and convenient to start a conversation with one of our customer service associates. You can attach an account, transaction, or file to your conversation so that we can provide an even better customer support experience. Please include as much information as possible to address your request and note that it may take up to a couple of hours to receive a response from an associate during business hours.

Messages screen is shown and the top right button, labeled “button” is highlighted.

06:53;11

When writing your message, you will be able to attach a specific transaction, account, or payment related to your inquiry. In this case, we will send a question about a transaction. Let’s select this transaction and attach it to the message. By clicking send, your message will be sent to an associate who will respond during business hours.

Start a conversation screen is shown with all conversations listed below. A demonstration of how to send a message is performed.

07:14;26

Once the associate replies to your message, you will see the response on the left column, or on the messages section of the dashboard.

Messages screen is shown with all conversations listed below.

07:32;06

Viewing the details of your Simmons accounts is easy. From the Accounts page, you can fully manage each account with functions such as View available Balance and recent Transactions, make a Transfer, Deposit a Check, View Documents, such as Account Statements, and more...

A preview of a [cash account] screen appears as the described options are highlighted on screen.

08:45;14

Click on the My Checking account to learn more about those options or click on the Credit Card account to learn more about credit card options.

Accounts screen is shown with available cash accounts and credit card accounts listed.

08:06;06

You can view the account’s transactions as well as check your available balance, And select any of the quick links to manage your account. Try clicking on a feature for more details.

The [cash account] screen is shown where you can view recent transactions, account details, and access quick options. All account options are highlighted as they are mentioned.

08:26;14

Here you’ll see the most recent transactions of this account. You can click on a transaction to view more details or use the search to find a specific transaction.

“Transactions” button is pressed on the [cash account] screen. The transactions screen of the [cash account] is shown with the most recent transactions listed below.

08:45;14

Clicking on a transaction will give you specific options such as adding tags, adding notes, attaching an image, or you can even ask us questions about this specific transaction. By clicking on Ask us about this transaction, you’ll be able to start a new conversation and automatically attach this transaction to your message.

Details screen is shown about the specific transaction that was selected. All described features are highlighted on screen.

09:13;27

eStatements is where you can manage your electronic statements for your account. You can click to download and view your electronic statements or select any of the filter options to find what you’re looking for. If you haven’t signed up for eStatements, you will see a screen for enrolling your accounts and the email that will be notified of your statements.

“eStatements” button is pressed on the [cash account] screen. The eStatements screen is shown.

09:42;27

Alerts help you stay up to date on what is happening with your account. You can add alerts to notify you of changes in your balance or when certain transactions occur. Try clicking on either of the Add Alert buttons for a demonstration.

“Alert preferences” button is pressed on the [cash account] screen. Alert preferences screen is shown with two options: add a balance alert or add a transaction alert.

10:06;26

This alert will notify you when your balance is Above or Below the amount you select. You can choose if you want to receive the notification via text message, email, or with an in-app message. Then, simply select Add alert, and you are done!

The [add alert] button is pressed under the “Balance alerts” header. A balance alert is then set up on the Alert preferences page.

10:12;10

You can modify or delete this alert by clicking on the Edit button. If you want to delete the alert, click on Remove, like this.

Alert preferences screen is shown with the newly created alert displayed under “Balance alerts”. The [edit] button is pressed and options are shown for configuring the alert. The top right [remove] button is then pressed.

10:40;12

Transaction Alerts can notify you when a credit or debit is over the amount you select. You can choose if you want to receive the notification via text message, email, or with an in-app message. Then, simply select Add alert, and you are done!

The [add alert] button is pressed under the “Transaction alerts” header. A transaction alert is then set up on the Alert preferences page.

10:56;10

You can modify or delete this alert by clicking on the Edit button. If you want to delete the alert, click on Remove, like this.

Alert preferences screen is shown with the newly created alert displayed under “Transaction alerts”. The [edit] button is pressed and options are shown for configuring the alert. The top right [remove] button is then pressed.

11:14;10

From your account settings, you can choose to show your accounts in the app, show their balance and activity, and modify their alert preferences.

“Settings” button is pressed on the [cash account] screen. Settings screen is shown for this specific [cash account] with available options listed and highlighted.

11:31;25

If you have a question about this account, you can add it to an existing conversation in your Messages or you can click on Start a new Conversation to automatically attach this account to a new message.

“Ask us about this account” button is pressed on the [cash account] screen. Menu opens from the bottom with contact options regarding this account.

11:52;27

You can choose to open a Simmons Coin Checking account, add an external account to keep track of, make a transfer to an external account, as well as add an additional Simmons Bank profile.

Add Account screen is shown with options to connect an institution, make an external transfer, or switch profiles.

12:14;01

For your security, you will need to enter your Online Banking password in order to add an external account. Once you’ve done that, you can now type the name of the account you want to add, provide the routing and account numbers and then select the type of account it is. You can easily find the routing and account numbers if you have a check from the account you want to add. Remember, this is a check from your other bank, not Simmons Bank.

“Make an external transfer” button is pressed and the Transfer Setup screen is shown. The required information is filled out and you are returned to the Accounts page upon completion.

12:40;00

After you add an external account, you will receive two small deposits that will be under a dollar in that account in one to three business days.

The [submit] button is pressed and a confirmation screen appears with an [ok] button to return to your accounts.

12:48;05

After you receive those deposits, you will need to come back to the external accounts page, click on the account name, and then enter the amounts of those deposits in order to confirm your account.

External account screen is shown with two dollar-amount text fields in the middle of the screen.

13:09;07

To add an account from an external financial institution, search for the name of the bank, or select from one of the options shown below.  You will be asked to enter your online credentials such as username and password that you use at that bank to add those accounts to your Mobile Banking dashboard. Please note, you will only be able to see your balances and transactions, but will not be able to modify those accounts. Not all financial institutions are available to be added at this time.

“Connect an institution” button is pressed and the Connect to Institution page is shown with some institutions listed on screen.

13:48;05

If you would like to change the order of the displayed accounts, you can click and drag the lines on the right of the account names to modify their order.

Reorganize Accounts screen is shown as the accounts listed are dragged up and down to demonstrate how to rearrange their order.

14:06;29

Opening a new Coin Checking account is as simple as clicking Continue. We’ll process your request and let you know when it becomes available for you to use.

“Open an Account” page is shown.

14:25;22

You can view the account’s transactions as well as check your available balance, and select any of the quick links to manage your account.

The [credit card account] screen is shown where you can view recent transactions, account details, and access quick options. All account options are highlighted as they are mentioned.

14:43;01

If you have a question about this account, you can click on Start a new Conversation to automatically attach this account to a new message.

“Ask us about this account” button is pressed on the [credit card account] screen. Menu opens from the bottom with contact options regarding this account.

15:00;09

Here you’ll see the most recent transactions of this account. You can click on a transaction to view more details or use the search to find a specific transaction.

“Transactions” button is pressed on the [credit card account] screen. The transactions screen of the [credit card account] is shown with the most recent transactions listed below.

15:19;05

Here you can modify the display options for this account.

Settings page is shown for the [credit card] account.

15:31;23

To pay a Credit Card, first select the account from which you would like to pay. Next, select the amount that you would like to pay, such as your current balance or the minimum amount. Once that’s set, scroll down and press Submit. Now that the payment has been submitted, we can press Done to return to the credit card account page.

Walkthrough of how to make a credit card payment after pressing the “Pay” button on the [credit card] account page.

16:02;11

From the Card Services page, you can view card activity and manage your account from the card services site. Just select the type of card you’d like to view.

Credit Card Services page is shown.

16:21;06

You can use Zelle to quickly send or request money by pressing the Send Money button. You can also manage your Zelle preferences by clicking on the gear in the top right. All of your recent payments and requests made using Zelle will be shown here.

Zelle page is shown.

16:45;20

Getting started with Zelle is easy. You’ll first need to accept the terms and conditions. Next, select the U.S. mobile phone number or email address you would like to enroll with Zelle. Once that’s done, you’ll now be able to add an account to securely send and receive money using Zelle. Depending on what you selected earlier, you will receive either a text message or an email with a 6-digit verification code to verify your account. If you are already enrolled with Zelle, your info will be replaced with your Simmons account upon pressing the continue button. After that, you’re all set! You are now ready to use Zelle.

The enrollment process for Zelle is shown.

17:34;05

To send money using Zelle, you’ll first need to select a recipient. If you do not see any recipients on your screen or would like to add a new trusted recipient, click on the Add a Recipient icon in the top right to learn how to add a recipient. After selecting a recipient, enter the amount you would like to send and press review. Before sending, make sure to add a note so you remember what this transaction was for and check that all other information is correct. If everything looks good, simply press send and you’ll be greeted with a confirmation screen letting you know that your payment is on its way and if your recipient is already enrolled, should arrive in a matter of minutes.

Walkthrough of how to send money with Zelle after pressing the “Send” button on the Zelle page.

18:23;10

To request money using Zelle, you’ll first need to select a recipient. If you do not see any recipients on your screen or would like to add a new recipient, click on the Add a Recipient icon in the top right to learn how to add a recipient. If your friend is not already enrolled with Zelle, you must use their email address to request money. After selecting a recipient, enter the amount you would like to request and press review. Before requesting, make sure to add a note so you remember what this transaction was for and check that all other information is correct. If everything looks good, simply press request and you’ll be greeted with a confirmation screen letting you know that your request is on its way.

Walkthrough of how to send money with Zelle after pressing the “Request” button on the Zelle page.

19:16;00

Here you can manage your profiles and choose to either add another email address or U.S. mobile phone number to your Zelle® enrollment.

Manage Payment Profiles screen is shown.

19:33;00

Here you can manage your recipients and choose to either add another recipient or view more details and options for a specific recipient by clicking on their name.

Manage Recipients screen is shown. A list of recipients is shown and the option to add a recipient is located on the top right.

19:51;15

By clicking on a recipient, you can choose to either send money, request money or delete this recipient.

A recipient is pressed from the Manage Recipients page and the details page is shown.

20:07;21

Before you add a new recipient, you’ll first need to enter your password. After that, simply add the recipient’s name along with their U.S. mobile phone number or email address and you’re done!

Walkthrough of how to add a recipient after pressing the [add a recipient] button on the “Manage recipients” page.

20:29;17

Transfers allow you to move money between your own accounts by selecting Make a Transfer. You can also view your next scheduled transfers and preview them on a specific date using the calendar.

Transfer screen is shown with the option to make a transfer. Scheduled transfers are also listed below.

20:51;04

To make a transfer, just select the account from which you want to take the money from, select the account to which you want to move the money to, and input the amount you wish to transfer. You can also select More Options if you want to make this a recurring payment, set the date of the transfer, and write a memo for your own reference. Please take note of the cutoff times, limits and fees displayed on the screen when making a transfer. If you have questions about your limits, you can ask customer service by using the Messages function.

“Make a transfer” screen is shown and a demonstration of making a transfer is performed.

21:22;28

Once you click submit, you will see a confirmation message on screen.

The [submit] button is pressed and a confirmation screen appears with an [ok] button to return to Transfers.

21:37;03

With Simmons Mobile Banking you can choose to pay a bill or send money to a person. Check out how to add a new payee or make a payment by clicking on a feature.

Payments screen is shown with the option to make a payment. Payees are also listed below.

21:56;29

When making a payment, you will first select the bill or person you would like to pay. Please note that the payment will be made from your default account. Make sure that it is the correct account that you want to use to pay this bill. If you want to change the account to pay with, in bill pay, you will need to click on that specific Payee from the Payments screen and edit the payment details. For now, we’ll go ahead and enter an amount. You can click on More Options if you want to change the frequency of this payment. This is useful if there are recurring payments you do every month for example. Now we can select when we want to send the money. Please note that the send date is different from the date it will get to your payee. In the case of this payee, the payment will be made by mailing a check. You can also click on the calendar to select a specific date for when the payment will be sent. Additionally, you can add a note or comment that can be displayed on the check, or make it a simple note to self.

[Make a payment] button is pressed and the Pay screen is shown. A payee is selected and a demonstration of paying a payee is performed.

22:57;15

By clicking submit, the payment will be sent to processing. All that's left to do is click OK to return to the Bill Pay section.

The [submit] button is pressed and a confirmation screen appears with an [ok] button to return to Payments.

23:15;16

Clicking on a payee displays the information on file. You can edit the payee’s information, make a payment, or view the payment history.

A payee is selected from the Payments screen and the Details page about the selected payee is shown. The option to make a payment is shown as well as the payment history for this payee.

23:34;04

Clicking on a payment displays the information related to the transaction, like the name of the payee, the date the payment was made, the date the payee received the payment, and the account from which it was paid. If you have any questions about the transaction, you can click on ask us about this payment and the transaction will automatically be added to a new conversation with a customer service associate.

A payment under “Payment History” is selected and the Details page about the selected past payment are shown with the option to “ask about this payment”.

24:04;26

For your security, you will need to enter the password to your account in order to add a payee. Once that has been entered, you can choose to either add a person, such as a family member or friend, or add a company, such as a car loan or phone bill. Select one of these options to see the process.

[Add a new payee] button is pressed from the Payments screen and Add a Payee screen is shown.

24:32;26

To add a bill is quick and easy. First, enter the company name as shown on the bill. You can add a nickname to make it easy for you to remember what this bill is for. Next, add the phone number shown on the bill. After that, the account number. The account number is the account you have with this biller.   You can find the account number somewhere on your bill. Remember, this is NOT your Simmons Bank account. Now enter the address where the payment should be sent, and click submit.

[Company] button is pressed and the “Add a bill” screen is shown. A demonstration of adding a bill payee is performed.

25:03;04

This bill is now officially added.

The [submit] button is pressed and a confirmation screen appears with the option to either make a payment or return to bill pay.

25:15;17

Adding a person is easy. Just enter the name of the person you want to send money to, their phone number and email address, and finally a keyword for you to share with this person for security. Think of this as a safety word you two will share. This way, when they receive a message indicating you sent them money, they will know it is genuine and not fake.

[Person] button is pressed and the “Add a person” screen is shown. A demonstration of adding a payee is performed.

25:37;15

You will see a confirmation message on screen once your payee has been added. Click OK to return to the Bill Pay section

The [submit] button is pressed and a confirmation screen appears with an [ok] button to return to bill pay.

25:55;13

Simmons Bank offers support through both our call center and online messaging. Feel free to contact us whichever way is most convenient for you. Please check the hours of operation shown on screen.

Support screen is shown with contact options.

26:18;05

Within settings, you can edit your profile, review or update your security settings, edit your account settings, add a new account, remove your profile from the app, and check the app’s version here.

[Settings] button is pressed and the Settings screen is shown as all the available options described are highlighted.

26:40;03

In your Profile, you can change your picture by clicking on the image. You can also create a preferred name, which will be used on the welcome message to Mobile Banking, as well as update your address, email, and phone number by clicking on Edit.

[Full name and username] button is pressed and the Profile screen is shown as all the available options described are highlighted.

27:04;13

Here you can change your Username and Password. For your security, we recommend selecting a unique username, different from the usernames you use on other websites, that uses a combination of both letters and numbers. When changing your password, you will be shown the requirements that must be met when coming up with a new password, such as the length and the kinds of characters that are allowed.

[Security] button is pressed and the Security screen is shown with login and verification options listed.

27:36;25

This is where you’ll be able to add or remove verification methods.

2-step verification screen is shown.

27:50;03

You can deposit a check using your device as well as choose to enroll another account for this service.

Deposit Checks screen is shown with options to deposit a check, view recent activity, or view enrolled accounts.

28:05;23

When depositing a check, you’ll first need to enter the amount. Please take note of the daily and monthly Deposit Limits on screen. If you have any questions about your limits, you can contact us using the Messages feature. After clicking continue, you can select which account you would like to deposit the money into. Now, simply take a picture of both the front and back of the check. Please make sure you have endorsed your check on the back before taking the picture. Once everything is complete, you’ll see a summary screen which includes the amount of the check, the account to which the money will be deposited, and the pictures of the front and back.

[Deposit a check] button is pressed and a demonstration of how to deposit a check is performed.

28:46;10

All that’s left to do is click Submit and your check will go into processing. Funds will generally be made available to you by the next business day. Holds may apply.

The [submit] button is pressed and a confirmation screen appears with an [ok] button to return to the deposit checks screen.

28:57;19

Now that we’ve deposited a check, we can see the recent activity shown here.

Deposit Checks screen is shown with the newly deposited check displayed in the “Recent activity” section.

29:11;18

If you already have 2-Step enabled and want to reset your information, you can click on your profile from the menu and then go to your settings. From there, click on Security and then 2-step verification. This is where you’ll be able to add or remove verification methods.

Visual walkthrough of how to find Two Factor settings.

29:28;10

2-Step Verification is set up upon signing in to Mobile Banking for the first time. You’ll be asked to enter an email address and phone number. You’ll then have the opportunity to select your preferences for how we can deliver the 2-Step Verification codes to you. You can opt in to receive it as a text message, a phone call, or through an authenticator app. Once you’ve selected an option, we will send you a code for you to verify your information. After that, you’re all set! You can now click Ok to begin Mobile Banking.

Visual walkthrough of how to enable/reset Two Factor Authentication.

30:11;16

Customizing your profile can be done from the Settings page. You can get there by clicking on your profile and selecting Settings. You can now choose to customize your profile picture, modify your preferred name, as well as change your address, email, and phone number.

Visual walkthrough of how to modify your profile through Settings.

30:42;11

To deposit a check remotely, you’ll first want to head into the menu and select Deposit check. Click Deposit a check to see an example.

Visual walkthrough of how to find where to deposit a check.

31:01;28

If you’ve forgotten your password or can’t seem to login with your credentials, you can easily reset your password through the app. From the sign in page, click on Forgot. From here, you’ll need to type in your Social Security number as well as your account number. Once that’s been provided, you’ll receive a 2-Step Verification code that must be entered in order to continue. After that, you are ready to create a new password for your account. We recommend making it a unique password that you don’t use anywhere else. Be sure to keep your password secure and saved somewhere safe so you won’t forget. Once your password is changed, you’ll then need to create a passcode for this device before you are automatically signed in to Mobile Banking.

Visual walkthrough of how to reset your password from the sign in page of the app.

31:58;16

To set up eStatements, you’ll first want to navigate to the Accounts page. From here, you can click on any deposit account. Once you’re in an account page, click on eStatements. From here you can select which accounts you would like to enroll for this service as well as see what email will be notified for eStatements. You need to click Save Settings to confirm the selection. After enrolling, you will need to review and agree to the eStatements Disclosure and Agreement. If you have questions regarding the disclosure agreement please contact Simmons Bank. You can click Support to find our phone number or send your question using the Messages feature. If you do not agree, you will not be enrolled in electronic statements and notifications.

Visual walkthrough of how to set up eStatements through the Accounts page.

32:53;01

To set up an Alert, navigate to the account in which you want to set up alerts for by going into Accounts and clicking on the preferred account. Once there, you can click on Alert Preferences and choose to add either a Balance alert or a Transaction alert. Try clicking on either of the Add Alert buttons for a demonstration.

Visual walkthrough of how to begin setting up an alert through the Accounts page.

33:21;10

To make a credit card payment, navigate to the Accounts page and select the desired credit card account you wish to pay. From here, you can click on the Pay button located alongside the next payment date. Click Pay to see an example of how to make a credit card payment.

Visual walkthrough of how to pay a credit card through the Accounts page.