Choose your account.
Open Online.
SIMPLICITY
Smart Checking
A smart choice for many people, including first-time account holders.
Account features
- No overdraft fee – spend only what's in the account{199}
- Checks cannot be ordered or written on account
- Early Payday{213}
- Credit score monitoring
- Round-Up{21}
- Easily switch your direct deposit
Monthly service charge
$10 or $0 Learn how to waive fee
FLEXIBILITY + BENEFITS
Signature Checking
A great everyday account offering flexibility and benefits.
Account features
- 20% discount on check orders
- Early Payday{213}
- Credit score monitoring
- Round-Up{21}
- Easily switch your direct deposit
Monthly service charge
$6 or $0 Learn how to waive this fee
INTEREST + BENEFITS
Signature Plus Checking
A premium account that pays interest and offers exclusive benefits.
Account features
- Earns interest
- Free Simmons exclusive wallet checks, 50% discount on other check orders
- Monthly service charge waived for Military{288}
- + all of the benefits of Signature Checking
Monthly service charge
$12 or $0 Learn how to waive this fee
Three checking options. One powerful app.
Open an online account in minutes. Manage it on any device with Simmons Bank Online & Mobile. {16}
Simmons Bank Online & Mobile
- Monitor your accounts
- Send money with Zelle®
- Manage your credit score
- Setup card controls
- Pay bills
- Deposit checks
Get all of these features and more when you sign up!
Get your paycheck early.
With Early Payday, direct deposits may be posted to your account up to 2 days early!{213}
There’s no fee and no need to sign up.
Don't have direct deposit? No problem! Download this form and submit to your employer, to request to get started.
Call 877-245-1234 for deposits and loans, or 800-272-2102 for credit cards to access your account any time.
Round up your purchases to the next whole dollar amount and we'll deposit the difference in a second account of your choice.{21}
Save a trip to the bank. Deposit checks from your smartphone or tablet anytime, anywhere with no charge.{16}
Upgrade your mobile banking experience.
- Fast - Skip the line, login takes less than 3 seconds.
- Secure - Enable "Two Factor Authentication" for maximum security.
- Customizable - Organize your dashboard for a custom, tailored banking experience.
Rating accurate as of 2/2/26 in the App Store
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.
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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{199} In certain situations your account may be overdrawn resulting in a negative account balance. For example, preauthorized debit card transactions; however, you will not be assessed an overdraft fee in these situations. It is advised to rectify the negative account balance once made aware of the overdraft.
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{213} Early Payday applies to certain 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 may make funds from these deposits available the same day a 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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{21} Available for personal accounts only.
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{288} The primary or joint account holder is active duty, reservist, a member of the national guard, a veteran of the United States Armed Forces, or is an officer of the Public Health Service or the National Oceanic and Atmospheric Administration and you provide proper documentation evidencing such military status to us, including, but not limited to, a Military ID or DD214. Your account will be eligible for the fee waiver beginning with the statement cycle during which such documentation is provided to us and accepted by us.
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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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{266} Online opening for a Smart Checking, Signature Checking, Signature Plus Checking, Simply Savings, or Elevate Money Market is currently only available to residents of Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Additionally, you must be 18+ to open online. Applying for joint ownership or adding beneficiaries may be completed by visiting a Simmons Bank branch.
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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.