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.
- $0 to get started with up to 45 days to fund your account{181}
- $0 monthly service charge
- Earn extra interest when you bundle Coin Checking with a Coin Savings account{201}
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
Elevate Money Market Account
Our newest and hardest working Money Market Account tailored to meet your needs.
- No fee or limit on withdrawals
- Interest earned on entire daily balance
- $10,000 minimum balance to open
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
Simply Savings
The simple way to leverage interest and build your savings.
- No fee or limit on withdrawals
- $100 minimum balance to open
- $5 monthly service charge; waived if you maintain a $100 daily balance
Certificate of Deposit —
$5k minimum
Take advantage of secure savings with a low minimum balance.
- Minimum deposit to open: $5,000 of new money{239} when opened online
- Locked-in returns
- Open and fund your account in minutes right from your mobile device{16}
Certificate of Deposit —
$50k minimum
Take advantage of great rates that offer impressive returns on your investment.
- Minimum deposit to open: $50,000 deposit of new money{239} when opened online
- Locked-in returns
- Open and fund your account in minutes right from your mobile device{16}
Coin Checking
(Checking account only)
Its 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}
Coin Savings
(Savings account only)
A savings account with no service charge or minimum balance to open.
- Pair with Coin Checking for additional savings benefits{201}
- $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}
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.
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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{16}
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:
To open a checking or savings account, you will need a valid state-issued ID, your SSN, and a computer or mobile device with a camera.
To open a Certificate of Deposit (CD) online, you'll need a valid state-issued ID, a minimum opening deposit of $5,000 or $50,000 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 copmuter or mobile device with a camera to open this account.
*New money is money that is not currently on deposit at Simmons Bank.
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{16} 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, Coin Checking, Coin 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.
We understand that technology can sometimes be a pain. Here are some suggestions for the least amount of resistance:
- Be steady when framing your ID in the predefined window.
- Find a well-lit area with natural light. For your selfie, face the light to avoid shadows.
- Find a neutral background and eliminate any clutter that might get in the way.
- Make sure you have a good connectivity to ensure the images upload and process efficiently.
Yes, you can open as many accounts online as you like! If you are an existing Simmons Bank customer, use your online banking credentials to streamline the account opening process to only a few clicks. If you are looking to open a Checking and Savings account at the same time, we recommend our Coin Checking + Coin Savings bundle.
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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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{239} Advertised rate subject to change without notice. The minimum opening deposit to obtain advertised APY is $5,000 or $50,000 and must be New Money. 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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{232} Online opening for CD products only available to residents of Alabama, Arkansas, Arizona, Georgia, Indiana, Kansas, Missouri, Ohio, Oklahoma, South Carolina, Tennessee, and Texas.
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{266} Online opening for Coin Checking, Coin Savings, Coin Checking + Savings, Simply Checking, Simply Savings, Classic Checking and Elevate Money Market is 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.