Open an account

^{165} All accounts subject to approval. Restrictions apply.

^{70} Read what you need to know about overdrafts and overdraft fees. Download the Overdraft Privilege Disclosure. Choose overdraft services options.

^{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.

^{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.

^{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.

^{232} Online opening currently only available to residents of Alabama, Arkansas, Arizona, Georgia, Indiana, Kansas, Missouri, Ohio, Oklahoma, South Carolina, Tennessee, and Texas.

^{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.

^{231} Online opening currently only available to residents of Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.

^{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™.

^{19} iPhone, iPad, Apple, and the Apple Logo are registered trademarks of Apple Inc.

^{108} Android, Google Play, and the Google Play logo are trademarks of Google LLC.