Skip to main content

A CHECKLESS CHECKING ACCOUNT TO HELP KEEP SPENDING ON TRACK

Affordable Advantage Checking from Simmons Bank

BY THE NUMBERS:

$25
Minimum Balance to Open
$5
Monthly Service Charge
$2
Paper Statement Fee (waived when enrolled in eStatements; statements include images)
Free
Online Banking
Free
Debit Card

PERFECT FOR THE CUSTOMER WHO

  • Keeps a lower balance
  • Wants all the basic transaction capabilities while protecting yourself from overdrafts
  • Doesn't need checks and uses a debit card for most transactions75
Simmons Bank Visa Debit Card

DEBIT CARD

Simmons Bank checking accounts include a Visa® or MasterCard® Debit Card7 which can be used at any MoneyPass® ATM for no additional fee, and anywhere Visa or MasterCard is accepted.

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 Round-Up

Round up your purchases to the next whole dollar amount and we'll deposit the difference in a second account of your choice21.

Mobile Deposit

Deposit checks from your smartphone or tablet anytime, anywhere with no charge.16

SEE HOW THIS ACCOUNT MEASURES UP

CHARGES & FEES

REDUCTIONS AVAILABLE

MINIMUM BALANCE REQUIREMENTS

NO MINIMUMS

REWARDS & EXTRAS

NO INTEREST EARNED

Ready to Apply?

​Applying for a Simmons Bank checking account is simple. When you apply with a Simmons Bank associate, you’ll need to gather a few things:

  • ​BASIC FINANCIAL INFORMATION

  • ​SOCIAL SECURITY NUMBER

  • ​EMPLOYER INFORMATION

Benefits and features are subject to customer qualification and approval by Simmons Bank.
7 Simmons Bank Debit Card issuance is subject to customer qualification and approval by Simmons Bank.
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; An active Simmons Bank deposit account with a positive balance for at least 90 days; No more than 2 returned deposited items (chargebacks) in the last 90 days; Demonstrated financial responsibility with all Simmons Bank accounts.
21 Available for personal accounts only.
75 Transactions that involve a check (including written checks, check by phone or third-party authorizations that come through as a check) will not be honored regardless of account balance. Account transactions are limited to Debit card and ATM transactions, Online and Mobile Bill Pay, Online or Mobile Banking transfers.
Debit Card Fraud Alerts Program: All Simmons Bank debit card accounts are automatically enrolled in the real-time Fraud Alerts Program and are being actively monitored. If fraudulent charges are suspected, the cardholder will receive an introductory text message from Simmons Bank that offers the opportunity to opt out of future alerts. It is the cardholder's responsibility to keep contact information current. Messaging frequency depends on account activity. For more information, text HELP to 32874. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device. For Fraud Alerts support, call 1-866-795-9410. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. Release of Liability: Alerts sent via SMS may not be delivered if phone is not in range of a transmission site, or if sufficient network capacity is not available. Even within coverage, factors beyond the control of the carrier and for which the carrier is not responsible may interfere with message delivery.