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As you might have heard, Bank SNB is merging into Simmons Bank. On behalf of all our associates, let us be the first to welcome you. We are thrilled to serve you and to have you as a part of our banking family! Simmons and Bank SNB have many similarities, including a rich history of outstanding customer service and a commitment to the communities we call home.

What does all this mean for you? More locations and ATMs. More lending power. And smart, committed associates who know you personally. Our newly combined bank is equipped to be your full-service financial partner offering new and enhanced products and services, from personal and business banking to a renowned low-rate credit card, as well as investments37, trust and insurance38 services.

For now, our top priority is a smooth, seamless transition for you. As we come together, your banking services will continue uninterrupted, and you will receive the exceptional service you have come to expect. From now until conversion, which is slated for completion May 29, 2018, you will continue using your Bank SNB products and services as usual.

We’ll provide regular updates as our banks come together. In the meantime, the following Q&A includes information about the Simmons organization, locations and your accounts. We know change is never easy, but we’re confident you’ll like what you find here.

Again, welcome to Simmons and thank you for your business!


Now that Bank SNB is becoming a part of Simmons, you’re sure to have questions. This Q&A begins to answer them, but more information will be headed your way the closer we get to conversion weekend, which is scheduled for May 25–29. We are committed to keeping you updated with information throughout this process.

Watch your mail. In late April, we will mail you a welcome guide that provides all the information you need for the transition of your account(s) and services. If you do not receive a copy of the guide, contact Customer Service at Please make sure your contact information is up-to-date at your Bank SNB branch so you do not miss this important information.


Q: Who is Simmons Bank?

A: The Simmons Bank story began in 1903 when we first opened for business in Pine Blu , Arkansas. Since then we’ve been dedicated to working alongside local individuals and businesses in the communities we call home. Simmons Bank is the main subsidiary bank of Simmons First National Corporation (NASDAQ: SFNC), one of the largest publicly traded financial holding companies based in the region with more than $15.1 billion in consolidated assets. Today, Simmons First National Corporation, through its subsidiaries, has nearly 2,700 associates ready to serve you in locations throughout Arkansas, Colorado, Kansas, Missouri, Oklahoma, Tennessee and Texas. Although we’ve grown over the decades, our commitment to our customers and communities has not changed. We are a full-service financial partner offering banking products, credit cards, lending, treasury management and more for both our personal and business customers.

Q: Why are Bank SNB and Simmons Bank merging?

A: This merger is an excellent opportunity to combine two well-respected financial institutions with a history of providing exceptional service to our customers and a strong commitment to the communities we serve. Together we offer increased regional size and strength, a more sophisticated product mix, and opportunities for our customers, associates and communities that wouldn’t be possible separately.

Q: How does the merger affect me?

A: Bank SNB will continue its operation as a subsidiary bank of Simmons First National Corporation until it is merged into Simmons Bank. The merger is expected to take place on Tuesday, May 29, 2018, with the system conversion taking place during Memorial Day weekend. Before conversion weekend, customers will receive welcome packets and other communications with details on what to expect regarding the bank conversion. You should receive this in late April or early May. After conversion weekend, any product or service changes will be in effect, and those will have been communicated beforehand. For now, there are no changes to bank accounts, deposits, loans and/or other services. You should continue your banking business as usual, using the same Bank SNB products and services.

Q: Will my products and services stay the same?

A: For the next several months, it is business as usual. Any account changes to your products and services will be communicated in a welcome packet prior to the merger. Our goal is to make any changes as seamless as possible for our customers.

Q: Can I still use my Bank SNB checks?

A: For now, yes, please continue to use your Bank SNB checks. We will notify you closer to the merger date of any changes to your checks.

Q: Can I still use my Bank SNB debit card?

A: For now, yes, please continue to use your Bank SNB debit card. We will notify you closer to the merger date if a new debit card is needed.

Q: Will my CD or IRA be affected?

A: No. The terms and conditions of your CD or IRA will remain the same.

Q: Does this change the terms and conditions of my loan?

A: No. The terms and conditions of your loan will remain the same.

Q: What do I do if I have a loan in process?

A: This does not change any loans in process. Please reach out to the associate you have been working with directly if you have any questions.

37 Securities offered through Simmons First Investment Group, Inc. member FINRA and SIPC.
38 Insurance offered through Simmons First Insurance Services, Inc., SF Insurance, Inc. and Simmons First Insurance Services of TN, LLC.
Investment and Insurance Products Are: Not a Deposit | Not FDIC Insured | Not Insured By Any Federal Government Agency | Not Bank Guaranteed | May Lose Value