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Welcome to the Family, Simmons Bank Member FDIC and Reliance Bank Member FDIC.

Together, Simmons Bank and Reliance Bank are committed to helping our customers better realize their dreams.

Now that Reliance Bank 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 April 12-15. We are committed to keeping you updated with information throughout this process.

Watch your mail. In mid-March, 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 314-569-7272, 1-866-965-5300 or customercare@reliancebankstl.com. Please make sure your contact information is up-to-date at your Reliance Bank 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 Bluff, 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 approximately $16.3 billion (as of September 30, 2018) in consolidated assets. Today, Simmons Bank 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 new and enhanced products and services, from personal and business banking to a renowned low-rate credit card, as well as investments, trust and insurance38 services.

Q: Why are Reliance Bank 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: Reliance Bank will continue its operations as usual until it is merged into Simmons Bank. The merger is expected to take place on Friday, April 12, 2019, with the systems conversion taking place over the weekend and slated for completion on Monday, April 15, 2019. 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 mid-March. 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 Reliance Bank 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 Reliance Bank checks and debit card?

A: For now yes, please continue to use your Reliance Bank checks and debit card. We will notify you closer to the merger date of any changes in regards to your checks and new debit card.

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.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Simmons Bank is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the marketing name Simmons Investment Services, and may also be employees of Simmons Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Simmons Bank. Securities and insurance offered through LPL or its affiliates are:
Not Insured By FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value
Simmons Wealth Management is a marketing name used by the trust department of Simmons Bank.
38 Insurance offered through Simmons First Insurance Services, Inc. and Simmons First Insurance Services of TN, LLC.
Investment products are: Not a Deposit | Not FDIC Insured | Not Insured By Any Federal Government Agency | May Lose Value | Not Bank Guaranteed