Personal Checking
Explore our family of checking accounts—each designed with benefits to meet different needs.
Which benefits matter most to you?
Coin Checking
It's your coin. Keep all of it with the online account that can be opened in about five minutes.{181}
- Open online
- $0 monthly service charge
Classic Checking
Traditional, straightforward banking for those who keep a low-to-average balance.
- Standard checks included at no cost
- $6 monthly service charge; waived if you maintain a $500 daily balance or a $1,000 average monthly balance
Simply Checking
Keep it simple with an account that is perfect for people on the go.
- Great for first-time account holders
- $0 monthly service charge
Interest Checking
Put your money to work for you. Earn interest on the entire daily collected balance.
- Earns interest
- Standard checks included at no cost
- $10 monthly service charge; waived if you maintain a $1,000 daily balance
Prosper Checking
Your new financial future can start here.
- Great for getting back on your financial feet
- $10 monthly service charge; reduced to $8 when account receives an ACH credit, such as direct deposit, during the monthly statement cycle
Affordable Advantage Checking
A checkless checking account that helps keep spending on track.
- Reduced risk of overdraft{199}
- Certified Bank-On product
- $0 monthly service charge
Private Banking Checking
Redefine your banking experience with exclusive access to our premium Private Banking accounts.
- Earns interest
- $25 service charge
- Gain access to Private Banking Money Market Account
All our checking accounts come with:
Debit card | Simmons Bank Mobile | Access to 32,000+ MoneyPass ATMs
Better checking from better benefits.
Mobile Deposit
Deposit checks from your smartphone or tablet anytime, anywhere with no charge.{16}
Simmons Bank Round-Up
Round-Up your purchases to the next whole dollar amount and we'll deposit the difference in a second account of your choice.{21}
24-Hour Telephone Banking
Call 877-245-1234 for deposits and loans, or 800-272-2102 for credit cards to access your account any time.
Simmons Bank Mobile
Stay on top of your finances by downloading the Simmons Bank mobile app.
- Industry-leading features like two-factor authentication for improved security
- Connect accounts from other institutions
- Set up alerts for all your accounts
- Deposit checks using your smartphone
-
{97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
-
{165} All accounts subject to approval. Restrictions apply.
-
{181} Account currently only available to residents of Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Applying for joint ownership or adding beneficiaries may be completed by visiting a Simmons Bank branch. Must be 18+ to open. Must be opened online.
-
{199} In certain situations your account may be overdrawn resulting in a negative account balance. For example, preauthorized debit card transactions; however, you will not be assessed an overdraft fee in these situations. It is advised to rectify the negative account balance once made aware of the overdraft.
-
{16} Data connection required. Wireless carrier fees may apply. 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®, iPad®, or Android™.
-
{21} Available for personal accounts only.
-
{19} iPhone, iPad, Apple, and the Apple Logo are registered trademarks of Apple Inc.
-
{108} Android, Google Play, and the Google Play logo are trademarks of Google LLC.