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Classic Checking

A traditional checking account with today's smartest features to help manage your money.


  • Standard Checks Included
  • Overdraft Service Options Available{70}

Open now

man using phone to mobile deposit a check

It's anything but complicated.

Open with a minimum balance of $100.

Maintain a $500 minimum daily balance or $1,000 average daily balance to waive $6 monthly service charge.

Enroll in eStatements to waive $3 monthly paper statement fee.

Includes Simmons Bank standard checks and debit card at no cost.{267}, {102}

Choose overdraft services as an available option.{70}

Works seamlessly with our Simmons Bank Mobile App.{16}

Learn more with FAQs

illustration-checks-transparent.png

Prefer to open in branch?
No problem.

Locations
Open in person

Stop by your nearest branch to talk with an advisor.

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.


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 savings
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}

Classic Checking FAQs:

There is a $6 monthly service charge, but this fee can be waived by maintaining either a $500 minimum daily balance or a $1,000 average daily balance.

There is a $3 quarterly fee for paper statements, but this fee is waived if enrolled in eStatements only.

A minimum deposit of $100 is required to open this account. You can fund it by connecting a bank account during the opening process, using mobile deposit, Zelle, or visiting a branch. If the account is not funded within 45 days, it will be closed. 

If you are opening your account in a branch, you can get a debit card in-branch. If you are opening your account online or would like to receive your debit card via mail, you will typically receive your debit card in 3–5 business days from the date we verify your physical address.

Yes! Just add your Simmons Bank card to your smartphone and you're good to go!

Joint owners can be added by visiting a branch.

You will need your government-issued ID or driver's license, your Social Security Number (SSN) and a computer or mobile device with a camera. You will be required to take a live selfie. It's important to us and to our fraud department.

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.
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Questions?
We're here to help.

In Person

Stop by a branch to talk with an advisor.

By Phone

1-866-246-2400
Monday–Friday, 7:30 a.m. – 6 p.m. CT
Saturday, 8 a.m. – 12 p.m. CT

  • {252} All accounts subject to approval.

  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
  • {267} Simmons Bank checking accounts include a VISA or Mastercard Debit Card which can be used at any MoneyPass ATM for no additional fee, and anywhere VISA or MasterCard is accepted. Simmons Bank Debit Card issuance is subject to customer qualification and approval.

  • {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.
  • {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™.

  • {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.

  • {21} Available for personal accounts only.