Skip to main content

A checkless checking account to help keep spending on track.

Affordable Advantage Checking from Simmons Bank

Affordable Advantage Checking

By the numbers:


Minimum balance to open


Monthly service charge

Paper statement fee (waived when enrolled in eStatements; statements include images)

Customizable mobile app


Debit card

Perfect for the customer who:

  • Keeps a lower balance
  • Wants all the basic transaction capabilities with a reduced risk of overdrafts{199}
  • Doesn't need checks and uses a debit card for most transactions{75}

Debit card

Simmons Bank checking accounts include a Visa® debit card{7} which can be used at any MoneyPass® ATM with no surcharge fee, and anywhere Visa is accepted.

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.

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}

Mobile deposit

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

Ready to apply?

​Applying for a Simmons Bank checking account is simple. When you apply with a Simmons Bank associate, you’ll need to gather a few things:

  • Basic Financial Information
  • Social Security Number
  • Employer Information
  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
  • {7} Simmons Bank Debit Card issuance is subject to customer qualification and approval by Simmons Bank.
  • {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.

  • {75} Transactions that involve a check (including written checks, check by phone or third-party authorizations that come through as a check) will not be honored regardless of account balance. Account transactions are limited to Debit card and ATM transactions, Online and Mobile Bill Pay, Online or Mobile Banking transfers.
  • {21} Available for personal accounts only.
  • {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.

  • {102} Debit Card Fraud Alerts Program: All Simmons Bank debit card accounts are automatically enrolled in the real-time Fraud Alerts Program and are being actively monitored. If fraudulent charges are suspected, the cardholder will receive an introductory text message from Simmons Bank that offers the opportunity to opt out of future alerts. It is the cardholder's responsibility to keep contact information current. Messaging frequency depends on account activity. For more information, text HELP to 32874. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device. For Fraud Alerts support, call 1-866-795-9410. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. Release of Liability: Alerts sent via SMS may not be delivered if phone is not in range of a transmission site, or if sufficient network capacity is not available. Even within coverage, factors beyond the control of the carrier and for which the carrier is not responsible may interfere with message delivery.