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Your money deserves more.

 

Enjoy up to $600 bonus when you open a qualifying checking account.

See below for details and limitations.

Learn how

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Here's how!

 

Open a qualifying checking account and earn up to three bonuses for each month that you meet the qualifying activities in the chart below.

  • Use promo code CL4 to open a new Classic CheckingSimply Checking or Coin Checking account.
  • Enroll in Online Banking
  • Have at least one direct deposit per month.*
 

Tier 1

Tier 2

Tier 3

Activate Digital Banking

Direct Deposit

≥1 ≥1 ≥1

Average Balance

$5,000 $2,500+ $1,000+

Bonus Earned

$200 $100 $50

For up to 3 of the first 4 statement cycles, a bonus may be paid based on level of qualifying activity.

Eligible checking accounts

 

Open a Coin Checking, Classic Checking or Simply Checking account to take advantage of this offer.

Coin Checking

(Checking account only)

It's the digital checking account that's designed for your world.

  • $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}
  • Pair with Coin Savings for additional savings benefits{201}

 

Open now

Learn more

Promo code will be automatically applied when you click the Open Now button on this page. Open Now buttons on other pages will not generate a promo code.

Classic Checking

Traditional, straightforward banking for those who keep a low-to-average balance.

  • Standard checks included at no cost
  • $100 minimum balance to open
  • $6 monthly service charge; waived if you maintain a $500 daily balance or a $1,000 average monthly balance

 

Open now

Learn more

Promo code will be automatically applied when you click the Open Now button on this page. Open Now buttons on other pages will not generate a promo code.

Simply Checking

Keep it simple with an account that is perfect for people on the go.

  • Great for first-time account holders
  • $50 minimum balance to open
  • $0 monthly service charge

 

Open now

Learn more

Promo code will be automatically applied when you click the Open Now button on this page. Open Now buttons on other pages will not generate a promo code.

Eligible locations

This offer is available exclusively at our new Cleveland location!

Locations
Cleveland TN

86 Stuart Rd. NE
Cleveland, TN 37312

Great features that help you save money and time.

Mobile deposit

Save a trip to the bank. Deposit checks from your smartphone or tablet anytime, anywhere with no charge.{16}

Simmons Bank savings
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 choice.{21}

Early Payday

Get direct deposits up to two days early with Early Payday.{213}

Contactless debit card

Tap to pay for fast, easy and secure checkout using your contactless Simmons Visa debit card.

  • {260} *As used here “month” does not refer to a calendar month, but instead refers to the monthly statement cycle for the Account. For additional detail, see #1 below.

    Bonus

    Eligible Customers who open a new Simmons Bank Classic Checking, Coin Checking, or Simply Checking account (an “Account”) online or at an eligible branch between October 7, 2024 and December 31, 2024, and complete qualifying activities will receive up to three (3) cash bonuses (each a "Bonus") (not more than one (1) per statement cycle), of up to a total of $600 credited to the Account.

    Eligibility

    • “Eligible Customers” (1) are at least eighteen (18) years old; (2) must furnish or have a valid Form W-9 on file with Simmons Bank and may not be subject to backup withholding; (3) may not have an existing Simmons Bank consumer checking account and may not have had an open Simmons Bank consumer checking account in the twelve (12) months prior to Account opening; and (4) must have received a specified promo code (by mail, email, phone or otherwise) and use the promo code at Account opening.
    • The Account must be opened at an eligible branch or online using the specified promo code. View a list of eligible branches or open the Account online at http://www.simmonsbank.com/cash-offer/cleveland.

    Qualifying Activities

    To receive a Bonus, Eligible Customers must:

    • First, open a new Classic Checking, Coin Checking or Simply Checking account online or at an eligible branch between October 7, 2024 and December 31, 2024.
    • Second, enroll in Online Banking and access the Account via the Simmons Bank Mobile app or on our website at www.simmonsbank.com in the first statement cycles and again within ninety (90) days after the Account Opening Date.
    • Third, maintain the Account as open and in good standing (as determined by Simmons Bank) from the date the Account is assigned an account number ("Account Opening Date") until the Bonus is awarded.
    • Fourth, receive one (1) or more qualifying direct deposits in your Account during the statement cycle.{263}
    • Fifth, meet all requirements for one of the following Bonus tiers during one (1) (or more) of the first four (4) statement cycles after the Account Opening Date. A maximum of three (3) Bonuses may be earned within the first four (4) statement cycles after the Account Opening Date.
      • Tier 1 – Earn $200 for each statement cycle
        1. Maintain an average daily balance of $5,000 or more during the statement cycle.{265}
      • Tier 2 – Earn $100 for each statement cycle
        1. Maintain an average daily balance of $2,500 or more during the statement cycle.{265}
      • Tier 3 – Earn $50 for each statement cycle
        1. Maintain an average daily balance of $1,000 or more during the statement cycle.{265}


    Timing of Bonus:

    Each Bonus will be credited to the Account on the statement date for the statement cycle in which the Bonus was earned.

    Limitations:

    An Account will only be eligible for a Bonus during the first four (4) statement cycles{261} after the Account Opening Date. A maximum of one (1) Bonus may be earned within any one (1) statement cycle. A maximum of three (3) Bonuses will be available for an Account per Eligible Customer.

    This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation). Simmons Bank reserves the right to limit an Eligible Customer to $600 in Bonuses per rolling twelve (12) month period across all deposit relationships.

    IMPORTANT TAX INFORMATION:

    Each Bonus will be reported to the IRS as interest income to the owner of the Account, in the year received, as required by applicable law. Bonus payments will be reported on IRS Form 1099-INT, along with other interest you earn at Simmons Bank, for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Simmons Bank is not a tax advisor.


  • {263} Qualifying direct deposits are electronic automated clearinghouse (ACH) deposits of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Non-qualifying direct deposits include person to person payments (such as Zelle, Venmo, Paypal, or others), bank, or other electronic money transfers, such as those made through internet payment services.

  • {265} The average daily balance for the statement cycle is calculated by adding the daily balance of the account for each day of the statement cycle together and dividing that amount by the number of days in the statement cycle.

  • {261} The four (4) statement cycles will begin with the first statement cycle after the Account Opening Date. In the event you open your Account in the middle of a statement cycle, the first statement cycle will be the partial statement cycle that includes the Account Opening Date. The statement cycle for Simply Checking begins on the 20th of one (1) month and runs through the 19th of the following month. The statement cycle for Classic Checking begins on the 10th of one (1) month and runs through the 9th of the following month. The statement cycle for Coin Checking begins on the 20th of one (1) month and runs through the 19th of the following month.

  • {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™.

  • {21} Available for personal accounts only.
  • {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.