Skip to main content

Bill Pay FAQs

Learn more about the Online Bill Pay service that allows you to pay virtually anyone or any company through your online banking account.

Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Here's a quick list of the many ways you can benefit from using Online Bill Pay.

  1. Save time. With Online Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  3. Stay organized. Your payment history is stored in your online account for 18 months, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With Online Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Yes, as long as you have a checking account at Simmons Bank. However, you cannot pay bills to payees located outside the United States.

It’s easy to enroll for Online Bill Pay. Log in to your online banking, click on the Bill Pay tab and follow the instructions on the screen, to enroll. Currently, Online Bill Pay enrollment cannot be completed within our mobile banking app and will need to be done through full online banking in a browser.

After you have enrolled in Online Bill Pay, the first step is to add a payee: the person or company you wish to pay. Here’s how easy it is:

  1. Log in to your account and go to the Bill Pay tab.
  2. Click the "Add a Payee" button on your home page dashboard.
  3. Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Bill Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date. Bill Payments sent via the U.S. Postal Service will clear your account after the payee has negotiated the check.

There is no limit to the number of payees you may set up through Simmons Bank Bill Payment.

You may set up payments in any of the following frequencies:

  • One-Time
  • Weekly
  • Every other week
  • Every four weeks
  • Monthly
  • Every other month
  • Twice a month
  • Every six months
  • Annually

You may make multiple payments to the same payee as long as the payment amounts are different.

Yes, just set the payment date for a valid future date.

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.

When scheduling a recurring payment that may end up falling on a weekend or holiday in the future, you will be presented with the choice of whether the bill payment should be made before or after the weekend or holiday.

If the payment was remitted to the Payee by check, you may place a stop payment on the check if it has not cleared your account. You may request a stop payment through Simmons Bank online banking 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 Bank Financial Center. Note: 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

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.

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 7:00 a.m. Central Time and 2:00 p.m. Central Time. If you attempt to schedule a payment for the same Business Day after 2:00 p.m. Central Time, the payment will be processed the following Business Day at 7:00 a.m. Central Time. Anything scheduled on a non-Business Day, will be processed the Business Day prior to the non-Business Day unless you indicated otherwise while setting up the bill payment.

To cancel or change a scheduled payment, the request must be submitted before the 2:00 p.m. Central Time processing time on the scheduled payment date. Otherwise the payment will be processed according to its instructions.

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.

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, the payment is deleted, or it has tried to process for five (5) business days.

If the Payee is a check recipient, the payment will be processed according to your 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.

The memo will appear on paper check remittances. The memo field will not be transmitted to an electronic recipient.

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 Bank online banking. 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.

Bill Payment history records are available for 18 months.

Contact Simmons Bank Customer Support toll free at 1-866-246-2400 between 7:30 a.m. CT and 6:00 p.m. CT each banking day, and 8:00 a.m. CT to noon CT on Saturday.