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Coin Checking

Coin Checking is your everyday checking account that you can open and manage from the convenience of your mobile phone instead of going to a branch.

Open an account right now, with up to 45 days to fund your account! All you need is your ID, SSN, a mobile device and 5 minutes.


  • $0 Minimum Balance to Open{181}
  • $0 Monthly Service Charge

Open now

Apply online between 6 a.m. – 7 p.m. CT.

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Designed for today's digital world.

Early Payday can get your direct deposit up to 2 days early{213}

Mobile-focused to work with our top-rated app.

Customer support (from a real person) when needed.

Freedom from monthly service charges.

Go paperless with eStatements and avoid a $3 Paper Statement Fee.

Debit card included with access to 32,000+ MoneyPass ATMs with no surcharge fee.

Early Payday

With Early Payday, direct deposits are posted to your account up to 2 days early!{213}

This added benefit is exclusive to Coin Checking customers. 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 get started.

All you need is your ID, SSN, a

mobile device and five minutes!

Open now

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Early Payday

Get direct deposits up to two days early with Early Payday for Coin Checking.{213}

24-hour banking icon

32,000+ ATMs

Make cash withdrawals and check your account balance at more than 32,000 MoneyPass ATMs with no surcharge fee.

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Mobile Deposit

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

Coin Checking FAQs:

There is no monthly service charge on this account. However, there is a $3 Paper Statement Fee each statement cycle you receive a paper statement. If you receive eStatements instead of paper statements, this fee is not assessed.

One thing that makes Coin Checking unique is the 45-day funding window. This means you can open an account today and fund the account whenever is convenient for you. For example, if you need a new account to sign up for direct deposit at your work, but you won’t get paid for two weeks, this is the perfect account for you!

Digital account opening is currently limited to individual account owners and does not allow new customers to add joint owners and/or beneficiaries online. However, you can add joint owners and beneficiaries by visiting one of our branch locations.

Yes! Once your Coin Checking account is open, our branch associates will treat the account like any other account and will be happy to help.

If you are already a Simmons Bank customer, simply open Simmons Bank Mobile on your phone. In the left-side menu, select your name in the bottom left corner, and click ‘Open an Account.’ You will be led to a specialized account opening process for our existing customers.

We recommend using your mobile device and the native browser for your operating system (i.e., Safari for iPhone and Chrome for Android).

Because we are not face-to-face, scanning your ID and selfie is our attempt at making eye contact like in-person friends. We need to see your state-issued ID to make sure you are who you say you are. Turns out robots do not have IDs.

Additionally, we ask for your ID to prevent fraudsters from attempting to open an account.

We understand that technology can sometimes be a pain. Here are some suggestions for the least amount of resistance:

  • Place the ID flat on a desk or table. 
  • Be sure the room is well lit but be sure there is no glare when snapping the photo.

Yes! We're big fans of Zelle. If you're not using that service yet, you can enroll here, after your Coin Checking account is opened.

You will typically receive your debit card in 3–5 business days from the date we verify your physical address.

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

Nope. 😊 There's no minimum deposit required to open the account. However, we do need at least $0.01 deposited into the account within the first 45 days of account opening. Otherwise, we'll take it to mean you changed your mind and close the account on day 46 if it still has a zero balance.

Deposits will be made available in accordance with our funds availability policy and may be available immediately or several days later. For specific questions on each deposit method, please call customer service at 1-866-246-2400.

No. Coin Checking is designed for those who prefer digital banking. However, if you need to purchase checks, you can do so by visiting any Simmons Bank branch.

You must be at least 18 years old.

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

You should only send money to those you know and trust, not strangers. And if a deal sounds suspicious or too good to be true, it probably is. Payment scams are prevalent these days with the convenience of digital banking. Stay safe by knowing where your money is going!

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

  • {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.
  • {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.
  • {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 is available to Coin Checking customers only, 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.

  • {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.