Personal Checking
Explore our family of checking accounts—each designed with benefits to meet different needs.
Smarter banking starts with the right account.
Find an account that's right for you.
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
PREMIUM CHECKING
Private Banking Checking
Redefine your banking experience with exclusive access to our premium Private Banking accounts.
Benefits
- Earns interest
- Complimentary services
- Gain access to Private Banking Money Market Account
Monthly Service Charge
$25 or $0 Learn how to waive this fee
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.
Switch your Direct Deposit to Simmons and get paid early
Switching your direct deposit to Simmons Bank is fast and secure using online or mobile banking. Simply sign in and choose Direct Deposit Switch to begin.
Once set up, you can receive your paycheck up to two days early for quicker access to your money.{213}
Learn more with FAQs
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
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{97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
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{165} All accounts subject to approval. Restrictions apply.
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{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.
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{281} A $3.00 Paper Statement Fee ($2.00 for Smart Checking) will be imposed every statement cycle in which you receive a paper statement. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account.
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{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.
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{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.
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{21} Available for personal accounts only.
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{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™.
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{267} Simmons Bank checking accounts include a Visa® debit card which can be used at any MoneyPass® ATM with no surcharge fee, and anywhere Visa is accepted. Simmons Bank Debit Card issuance is subject to customer qualification and approval by Simmons Bank.
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{19} iPhone, iPad, Apple, and the Apple Logo are registered trademarks of Apple Inc.
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{108} Android, Google Play, and the Google Play logo are trademarks of Google LLC.