AR money transmitter bonds.
From $500. Enter your amount.
Arkansas licenses money transmitters under the Uniform Money Services Act, and A.C.A. § 23-55-204 makes a surety bond a condition of the license — $50,000 plus $10,000 for each Arkansas location, capped at $300,000 — filed electronically through NMLS with the Arkansas Securities Department. The premium is 1% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
NMLS surety bonds are among the most standardized filings in financial licensing. Here is the entire process:
Apply online
Business details, your required bond amount, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at 1% of the bond amount ($100 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond is ready to associate with your Arkansas license record via NMLS electronic surety bond, where the Securities Department reviews it. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Arkansas regulates money transmission — selling payment instruments, transmitting funds, and similar money services — through the Arkansas Securities Department under the Uniform Money Services Act, A.C.A. § 23-55-101 et seq. Section 23-55-204 requires a license applicant to post a surety bond of $50,000 plus $10,000 for each Arkansas location, up to a $300,000 cap — and the Securities Commissioner can require more, up to $1,000,000, if a licensee's financial condition warrants it.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond stands behind your compliance with the Act and your obligations to the people whose money you move — a customer harmed by a violation or a failed transmission can be compensated from the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond accompanies both the initial application and every renewal, so it has to stay continuously on file; we track the term and send renewal notices 60 and 30 days out, and if you add locations we issue the higher amount.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Arkansas bonds.
Finish your money transmitter license today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.