Accounts available for online opening:
SIMPLICITY
Smart Checking
A smart choice for many people, including first-time account holders.
Account features
- No overdraft fee – spend only what's in the account{199}
- Checks cannot be ordered or written on account
- Early Payday{213}
- Credit score monitoring
- Round-Up{21}
- Easily switch your direct deposit
Monthly service charge
$10 or $0 Learn how to waive fee
FLEXIBILITY + BENEFITS
Signature Checking
A great everyday account offering flexibility and benefits.
Account features
- 20% discount on check orders
- Early Payday{213}
- Credit score monitoring
- Round-Up{21}
- Easily switch your direct deposit
Monthly service charge
$6 or $0 Learn how to waive this fee
INTEREST + BENEFITS
Signature Plus Checking
A premium account that pays interest and offers exclusive benefits.
Account features
- Earns interest
- Free Simmons exclusive wallet checks, 50% discount on other check orders
- Monthly service charge waived for Military{288}
- + all of the benefits of Signature Checking
Monthly service charge
$12 or $0 Learn how to waive this fee
Elevate Money Market Account
Our newest and hardest working Money Market Account tailored to meet your needs.
- No fee or limit on withdrawals
- Interest earned on entire daily collected balance
Simply Savings
The simple way to leverage interest and build your savings.
- No fee or limit on withdrawals
- $5 monthly service charge; waived if you maintain a $100 daily balance
Certificate of Deposit
$5k minimum
Take advantage of secure savings with a low minimum balance.
- Minimum deposit to open: $5,000 of new money{239} when opened online
- Locked-in returns
- Open and fund your account in minutes right from your mobile device{16}
Certificate of Deposit
$50k minimum
Take advantage of great rates that offer impressive returns on your investment.
- Minimum deposit to open: $50,000 deposit of new money{239} when opened online
- Locked-in returns
- Open and fund your account in minutes right from your mobile device{16}
An educated decision is a good decision
We offer a variety of helpful guides and resources to help you make informed decisions and choose the best options that meet your financial needs.
Whether you are interested in personal or business banking, use our Simmons Bank for life Learning Center articles to find answers to all of your banking questions.
Simple ways to save
Steps to buying a home
Step-by-step process to buy your dream home
Whether you are a first-time home buyer or purchasing again, it is essential to understand the ba...Explore our full suite of products
We are a community bank with scale, taking as much pride in customer relationships as we do in our extensive products and services. Whether you're looking for your new everyday checking account, better banking solutions for your business, or even a first savings account for your young ones, we've got you covered.
Personal Banking
Checking
Whether you need paper checks, low balance requirements, or even a checking account that earns interest, you can find the account that matches your lifestyle here.
Savings
Set your goals, and exceed them. Select from a variety of benefits like low balance requirements, high earnings potential, or even unlimited withdrawals.
Business Banking
Checking
Your business is unique; your banking relationship should be too. Select a checking account that best fits the size of your business, then customize your online banking services to meet your cash management needs.
Savings
You work hard, let your money work even harder. Determine which account provides the best fit for your goals, and let the interest do the rest.
Everything you need – wherever you need it
Open an online account in minutes. Manage it on any device with Simmons Bank Online & Mobile. {16}
Simmons Bank Online & Mobile
- Monitor your accounts
- Send money with Zelle®
- Manage your credit score
- Setup card controls
- Pay bills
- Deposit checks
Get all of these features and more when you sign up!
Frequently asked questions:
We currently offer online opening for the following products:
To open a checking or savings account, you will need a valid state-issued ID, your SSN, and a computer or mobile device with a camera.
To open a Certificate of Deposit (CD) online, you'll need a valid state-issued ID, a minimum opening deposit of $5,000 or $50,000 that is new money*, login credentials for the external bank account you plan to use to fund your new CD account, and the name, address, and SSN for your beneficiary should you wish to designate one. You will need a copmuter or mobile device with a camera to open this account.
*New money is money that is not currently on deposit at Simmons Bank.
If you are already a Simmons Bank customer, simply open Simmons Bank Mobile on your phone and tap Open a new account in the left menu to get started! You will be led to a specialized account opening process for our existing customers.
You can find your nearest Simmons Bank branch by using our locations page.
Yes! Simmons Bank Online & Mobile{16} is available for all deposit accounts.
Learn more about Digital Banking here.
Each of our checking accounts offers unique benefits tailored to your needs. Additionally, most include fee waiver options:
Monthly service fees
- Smart Checking, Signature Checking, and Signature Plus Checking, all have a waivable monthly service fee.
Minimum balance to open
- Smart Checking, Signature Checking, and Signature Plus Checking have no minimum deposit requirement to open the account; however, at least $0.01 must be deposited into the account within the first 45 days of account opening, or the account will be closed.
Paper statement fees
- There is a $3 charge for paper statements on all accounts*; however, if you elect to enroll in eStatements only, this charge will not be assessed.
* For Smart Checking, paper statements are only $2.
Call our online banking support number: (501) 907-0301.
We understand that technology can sometimes be a pain. Here are some suggestions for the least amount of resistance:
- Be steady when framing your ID in the predefined window.
- Find a well-lit area with natural light. For your selfie, face the light to avoid shadows.
- Find a neutral background and eliminate any clutter that might get in the way.
- Make sure you have a good connectivity to ensure the images upload and process efficiently.
Yes, you can open as many accounts online as you like! If you are an existing Simmons Bank customer, use your online banking credentials to streamline the account opening process to only a few clicks.
-
{165} All accounts subject to approval. Restrictions apply.
-
{97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
-
{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.
-
{213} Early Payday applies to certain direct deposit and other Automated Clearing House (ACH) deposit transactions, and is dependent on when the payer’s payment instructions are received by Simmons Bank. Simmons Bank may make funds from these deposits available the same day a payment instruction is received or two days before the listed effective date of the payment, whichever is later. Simmons Bank reserves the right to terminate or change this practice without any notice to you and to place any restrictions or limits Simmons Bank deems necessary.
-
{21} Available for personal accounts only.
-
{288} The primary or joint account holder is active duty, reservist, a member of the national guard, a veteran of the United States Armed Forces, or is an officer of the Public Health Service or the National Oceanic and Atmospheric Administration and you provide proper documentation evidencing such military status to us, including, but not limited to, a Military ID or DD214. Your account will be eligible for the fee waiver beginning with the statement cycle during which such documentation is provided to us and accepted by us.
-
{239} Advertised rate subject to change without notice. The minimum opening deposit to obtain advertised APY is $5,000 or $50,000 and must be New Money. New Money is money that is not currently on deposit at Simmons Bank. Additionally, if opened in person, at least half of the total opening deposit must be New Money. Not available for public funds.
-
{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™.
-
{232} Online opening for CD products only available to residents of Alabama, Arkansas, Arizona, Georgia, Indiana, Kansas, Missouri, Ohio, Oklahoma, South Carolina, Tennessee, and Texas.
-
{266} Online opening for a Smart Checking, Signature Checking, Signature Plus Checking, Simply Savings, or Elevate Money Market is currently only available to residents of Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Additionally, you must be 18+ to open online. Applying for joint ownership or adding beneficiaries may be completed by visiting a Simmons Bank branch.
-
{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.
-
{171} Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.