Open an account
Whether you visit a branch or want to open an account online, you’ve got choices—and they’re all good ones.
Accounts available for online opening:
Coin Checking + Savings
Spend with Coin Checking, earn with Coin Savings. The digital accounts designed for your world. Open online in 5 minutes or less.
- $0 to get started with up to 45 days to fund your account{181}
- $0 monthly service charge
- Get your paycheck up to 2 days early with Early Payday{213}
- Earn extra interest when you bundle Coin Checking with a Coin Savings account{201}
Certificate of Deposit
Not only is opening a CD online{232} incredibly easy, but you can also take advantage of great rates that offer impressive returns on your investment.
- $5,000 minimum deposit of new money{239} when opened online
- Earn high-yield interest with competitive rates
- Locked-in returns
- Open and fund your account in minutes right from your mobile device
Money Market Savings
You work hard, so should your money. This account offers ultimate financial flexibility.
- $100 minimum balance to open
- Earn interest on entire daily balance
- No limit on monthly withdrawals
- Open and fund your account in minutes right from your mobile device{231}
An educated decision is a good decision
You can never have too much information about financial products and services.
Use our online Learning Center to find answers to all of your banking questions.
Checking accounts: Understanding the basics
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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 and then customize your online banking services to fit 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.
Simmons Bank Online & Mobile
Everything you need – wherever you need it
- Monitor your accounts
- Manage your credit score
- Pay bills
- Transfer funds
- Send money with Zelle®
- Setup card controls
- Deposit checks
- Secure messaging
Get all of these features and more when you sign up.
Frequently asked questions:
We currently offer online opening for the following products:
Coin Checking + Savings
To open a Coin Checking + Savings account, all you'll need is a valid state-issued ID, your SSN, and a mobile device.
Certificate of Deposit (CD)
To open a CD online, you'll need a valid state-issued ID, a minimum opening deposit of $5,000 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 mobile device to open this account.
*New money is money that is not currently on deposit at Simmons Bank.
Money Market Savings
To open a Money Market Savings account, you'll need a valid state-issued ID, your SSN, a mobile device, a minimum of $100 to fund your account, login credentials for the external bank account you plan to use to fund your new account, and the name, address, and SSN for your beneficiary should you wish to designate one.
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 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
- Coin Checking + Savings, Simply Checking, and Affordable Advantage Checking have no monthly service fees.
- Classic Checking and Interest Checking each have a waivable monthly service fee.
Minimum balance to open
- Coin Checking + Savings has no minimum deposit required 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.
- All other checking accounts have different minimum balance requirements for account opening.
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 Affordable Advantage Checking, paper statements are only $2.
** Coin Checking + Savings comes with eStatements only by default.
Call our online banking support number: (501) 907-0301.
Coin Checking + Coin Savings can be bundled and opened together.
Only one CD or Money Market account can be opened at a time when opening online.
Once you’ve opened the initial account, additional accounts can be opened through Simmons Bank Online or Mobile. The process is simple. Sign in to Simmons Bank Online or Mobile and tap Open a new account in the left menu to get started.
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{165} All accounts subject to approval. Restrictions apply.
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{97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
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{181} No minimum balance required at account opening. A minimum of $0.01 required within 45 days of account opening. Accounts not funded within 45 days of opening will be closed. 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.
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{213} Early Payday applies to 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 will generally make funds from these deposits available the same day 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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{201} Receive 0.25% over the Coin Savings account’s base interest rate when Relationship Premium A requirements are met or 0.50% over the Coin Savings account’s base interest rate when Relationship Premium B requirements are met. Relationship Premium A requirements: (i) have at least one linked Coin Checking account, and (ii) make a combined minimum of 15 purchase transactions (ATM and other cash withdrawal transactions are excluded), using debit card(s) of the linked Coin Checking account(s), that settle and post to the account(s) on or before the last business day of the month preceding the end of the Coin Savings account statement cycle to which the Relationship Premium will apply. Relationship Premium B requirements: (i) meet both Relationship Premium A requirements, and (ii) have a combined minimum of $500 in ACH transactions deposited into your linked Coin Checking account(s) that settle and post on or before the last business day of the month preceding the end of the Coin Savings account statement cycle to which the Relationship Premium will apply. To be linked, a Coin Checking account must have the same primary account holder as the Coin Savings account. Relationship Premiums will only be paid on Coin Savings account balances up to and including $10,000. Any remaining balances in the account will be paid the base interest rate. Pending transactions are not settled and posted. Only one Coin Savings account per account holder may be eligible for Relationship Premiums; if you have multiple open Coin Savings accounts, Relationship Premiums will only apply to the most recently opened account. Your Coin Savings and Coin Checking accounts are subject to other terms and conditions.
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{232} Online opening currently only available to residents of Alabama, Arkansas, Arizona, Georgia, Indiana, Kansas, Missouri, Ohio, Oklahoma, South Carolina, Tennessee, and Texas.
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{239} Rates available for CDs opened online may differ from rates available for CDs opened in person. Advertised rate subject to change without notice. Minimum opening deposit to obtain advertised APY must be New Money and (a) $5,000 if opened online or (b) $25,000 if opened in person. 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.
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{231} Online opening currently only available to residents of Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.
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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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{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.
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{171} Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.