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Commercial Checking from Simmons Bank


Minimum Balance to Open
Monthly Service Charge – Analyzed44
Balance to Avoid Service Charge – Analyzed44
Earnings Credit44
Free Online Bill Payments per Month
($0.50 per additional bill)
Online Banking
Debit Card
Paper Statement Fee – Analyzed44
Overdraft Services Options Available81


  • Owns a large, commercial business
  • Wants to earn credit for balances with monthly tracking44
Simmons Bank Visa 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.

24-Hour Banking

Make cash withdrawals and check your account balance at any Simmons Bank ATM. Click here for ATM safety tips.

Mobile Deposit

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

Ready to Apply?

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




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.
44 Account analysis allows commercial customers to use collected balances on deposit to pay for bank service fees. An Earnings Credit Rate (set monthly according to the market) is assigned to the average collected balance for the month. The earnings credit earned will be used to pay for service fees that have accumulated for the month. If the earnings credit exceeds the service fees, no service fee is charged to the account. If the earnings credit is less than the service fees, the difference is charged to the account. Excess earnings credit is not carried over month to month.
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.