Ways to Send, Receive and Transfer Money from your Arvest Account(s)

Send/Receive/Transfer Options Arvest BillPay Arvest to Arvest Transfer Zelle® Arvest TransferNow Wire Transfer
How it works Arvest BillPay is a flexible way to pay your bills online

Schedule payments in advance AND/OR

Set up automatic debits for recurring bills
Send money from one Arvest account to another Arvest account

Make immediate transfers or schedule in advance
Zelle® is a quick way to send money between friends

With just a US mobile number or email address, you can split bills, pay back friends, or get paid back fast

Option to schedule in advance
Use Arvest TransferNow to move money between your Arvest account(s) and your own account(s) at another financial institution

Option to schedule in advance
Wire Transfers are a convenient way to move money electronically from one bank to another
Who you can send to/receive from Pay most anyone, anywhere in the US

Arvest BillPay works like an automatic debit or writing a check
Someone who also banks at Arvest Someone you know and trust, at most any other US bank To/from your own account(s) at another US bank Send money in the US or internationally

Or when one or both parties does not have digital access
Delivery speed 1- 4 business days Transfers process immediately Typically in minutes, between enrolled users Standard (3 business days)

Next Day OR

Instant
Domestic transfers typically occur same day

International transfers may take up to 3-5 business days
Fees Free with Preferred Club, Arvest Club and myBlue® checking accounts

$0.50 per BillPay transaction for all other checking accounts
Free through Arvest Go and Arvest Online Banking with BlueIQ™ Free through Arvest Go and Arvest Online Banking with BlueIQ™ $3 Standard Outbound (3 business days)

$5 Next Day Outbound

$10 Instant Outbound

Free Inbound
$10 incoming

$25 outgoing (domestic)

$60 outgoing (international)
Transfer limits N/A $2,500 Daily

$5,000 Daily for Private Banking customers
$2,000 Daily

$5,000 Monthly
$2,000 Daily

$5,000 Monthly
N/A
Locations US only US only US only US only US and International
Where to enroll Arvest Go OR

Arvest Online Banking with BlueIQ™
Arvest Go OR

Arvest Online Banking with BlueIQ™
Arvest Go OR

Arvest Online Banking with BlueIQ™

To enroll in Zelle through Arvest mobile or online banking, users need to first enroll in Arvest BillPay
Arvest Go OR

Arvest Online Banking with BlueIQ™
At any Arvest branch OR

by phone (wire agreement required)

Additional Disclosures

Data connection required for services conducted with your mobile device; additional wireless carrier charges may apply.

Arvest to Arvest Transfers

To be eligible for Arvest to Arvest Transfers, "to" and "from" accounts must be open at least 30 days and not be overdrawn past their overdraft limit. Arvest to Arvest transfers taking place after 8:00 PM Central Time on an Arvest banking day, or on a non-Arvest business day will be considered as a next-business day transaction. There is no fee for the transfer service, but additional fees may apply if your transfer causes your account to be overdrawn, or if you exceed the monthly transaction limit (6) when you make a transfer from your Money Market account. Transfers taking place after 8:00 PM Central Time on an Arvest banking day, or an Arvest non-business day will be considered a next-business day transaction. Customers may send up to $2,500 per online banking ID per business day from an eligible personal checking, business checking, or money market account. The limit for Private Banking customers is $5,000 per online banking ID per business day.

Zelle®

Zelle is a U.S.-based digital payments network that allows eligible customers to move money between almost any bank account in the U.S. Arvest recommends customers use Zelle to send money to trusted recipients only. Prior enrollment in online banking and BillPay is required. Zelle payments must be made from an Arvest consumer checking account that has been open at least 30 calendar days. Recipients must have a U.S. bank account to receive Zelle payments. Funds must be available in the funding account when you set up your payment. There is no fee to use Zelle, but additional fees may apply if your payment causes your account to be overdrawn. Payments typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Recipients have 14 days to enroll to receive money or the payment will expire. We will send you an email alert with delivery details immediately after you schedule the payment. Zelle payments taking place after 8:00 PM Central Time on an Arvest banking day, or on an Arvest non-business day will be considered a next-business day transaction. Customers may send up to $2,000 per online banking ID per business day from an eligible Arvest account, and up to $5,000 per online banking ID per monthly statement cycle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Arvest Transfer Now

To be eligible for Arvest Transfer Now, "to" and "from" accounts must be open at least 30 days. Additional fees may apply if your transfer causes your account to be overdrawn. Funds must be available in the funding account when you set up your transfer. Transfers taking place after 8:00 PM Central Time on an Arvest banking day, or on an Arvest non-business day will be considered as a next-business day transaction. Customers may send up to $2,000 per online banking ID per business day from an eligible Arvest account, and up to $5,000 per online banking ID per monthly statement cycle.

Wire Transfer

Additional trace fees may apply. Wire Transfers made by phone require a prior Wire Agreement and are subject to discounted wire fees. Contact Arvest general customer service at (866) 952-9523 for more information.