Mobile Deposit FAQs
What is Simmons Bank Mobile Deposit?
Simmons Bank Mobile Deposit allows you to deposit checks to any of your Simmons Bank checking or savings accounts using the camera on your smartphone or tablet. Using the Simmons Bank Mobile App for iPhone or Android, login and select the "Deposit" quick action on your dashboard or select "Deposit Check" from the menu. 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.
Who is eligible to use Simmons Bank Mobile Deposit?
Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone or Android.
What do I need in order to use Simmons Bank Mobile Deposit?
To use the Simmons Bank Mobile Deposit service, you must have the following:
- An active Simmons Bank online banking login; and
- The most recent version of the Simmons Bank Mobile App for iPhone or Android.
How do I request Mobile Deposit?
If you qualify for mobile deposit, the service will be available to you automatically.
May I use more than one account for Mobile Deposit?
Yes. We will add all of your open and active accounts to Mobile Deposit.
What type of checks can I deposit with Mobile Deposit?
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.
Do I need to use a deposit slip to make a deposit through Mobile Deposit?
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.
Should I endorse my check before taking a picture?
Yes. You should sign the back of your check and write "For mobile deposit at Simmons Bank only" below your signature.
What do I do with the check after I deposit it through Mobile Deposit?
Once you verify that the funds have been applied to your account correctly, you should shred the check.
How will I know if my deposit has been accepted?
You will receive an email when your deposit is accepted. Please ensure that your email address is current. You can also see the status of your deposit in our app.
Why was my deposit rejected and did not post to my account?
A Mobile Deposit might be rejected for several reasons. You will receive an email with details if your deposit is rejected. Please ensure that your email address is current.
When will funds be made available to me from deposits made by Mobile Deposit?
Mobile Deposits are posted to accounts throughout each banking day. If your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit.
Who do I call if I still have questions?
Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by calling 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.