Payment Solutions
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 people you trust With just a US mobile number or email address, you can split the cost of the bill, 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 | 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 generally occur within 3-5 business days; however, crediting of funds is dependent on the recipient bank and may result in longer completion times. |
| Fees | Free with all Arvest personal checking accounts | Free through Arvest online and mobile banking | Free through Arvest online and mobile banking | $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 mobile banking app OR Arvest online banking | Arvest mobile banking app OR Arvest online banking | Arvest mobile banking app OR Arvest online banking To enroll in Zelle® through Arvest mobile or online banking, users need to first enroll in Arvest BillPay | Arvest mobile banking app OR Arvest online banking | 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" accounts must be open at least 180 days and "from" accounts must be open at least 30 days. 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 send money between eligible bank accounts in the U.S. Arvest recommends customers use Zelle® to send money to trusted recipients only. Funds must be available in your bank 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. At Arvest, there is a $30 stop payment fee if you cancel a Zelle® payment. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. To enroll in Zelle® through Arvest online or mobile banking, Arvest customers must first enroll in Arvest BillPay, if they have not already. 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. 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 month.
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.
