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Personal Checking

Explore our family of checking accounts—each designed with benefits to meet different needs.

Which benefits matter most to you?

Making a selection with these checkboxes will cause content on this page to change. Product listings will update as each option is selected.
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Coin Checking

It's your coin. Keep all of it with the online account that can be opened in about five minutes.{181}

  • Opened online
  • $0 minimum balance to open – up to 45 days to fund account{181}
  • $0 monthly service charge

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

Interest Checking

Put your money to work for you. Earn interest on the entire daily collected balance.

  • Earns interest
  • Standard checks included at no cost
  • $100 minimum balance to open
  • $10 monthly service charge; waived if you maintain a $1,000 daily balance

Prosper Checking

Your new financial future can start here.

  • Great for getting back on your financial feet
  • $100 minimum balance to open
  • $10 monthly service charge; reduced to $8 when account receives an ACH credit, such as direct deposit, during the monthly statement cycle

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


Affordable Advantage Checking

A checkless checking account that helps keep spending on track.

  • Reduced risk of overdraft{199}
  • Certified Bank-On product
  • $25 minimum balance to open
  • $0 monthly service charge

Private Banking Checking

Redefine your banking experience with exclusive access to our premium Private Banking accounts.

  • Earns interest
  • $25 service charge
  • Gain access to Private Banking Money Market Account


All our checking accounts come with:

Debit card | Simmons Bank Mobile | Access to 32,000+ MoneyPass ATMs



Better checking from better benefits.

Mobile deposit icon

Mobile Deposit

Deposit checks from your smartphone or tablet anytime, anywhere with no charge.{16}

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}

24-Hour Telephone Banking

Call 877-245-1234 for deposits and loans, or 800-272-2102 for credit cards to access your account any time.

We're here to help.

In Person

Stop by a branch to talk with an advisor.

By Phone

Monday–Friday, 7:30 a.m. – 6 p.m. CT
Saturday, 8 a.m. – 12 p.m. CT

smart phone showing simmons bank mobile banking app with checking and savings account

Simmons Bank Mobile

Stay on top of your finances by downloading the Simmons Bank mobile app.

  • Industry-leading features like two-factor authentication for improved security

  • Connect accounts from other institutions

  • Set up alerts for all your accounts

  • Deposit checks using your smartphone

Download on the Apple App Store. Get it on Google Play.

  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
  • {165} All accounts subject to approval. Restrictions apply.

  • {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.

  • {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.

  • {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.
  • {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.