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It's your coin. Keep all of it.

No minimum balance to open.* No monthly service charge. Coin Checking lets you do more with your money! Now available in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas.

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

Coin Checking

By the numbers:


Minimum balance to open – up to 45 days to fund your account!*


Monthly service charge


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


Overdraft services options available{70}


Customizable mobile app


Debit card

Perfect for you because:

  • You need a bank that can flex as your needs change
  • You deserve a top-rated mobile app
  • You want to talk to a real person (sometimes!)
  • You appreciate freedom to keep as much money in your account as you want
Woman on a sofa looking at her mobile device
Do more with your coin!

Coin Checking is the account that’s ready to use and ready to help you take control of your money. All you need is your ID, SSN, a mobile device and 5 minutes!

3 steps to better banking

Step 1: Open

Open your account in 5 minutes or less!

Step 2: Fund

Fund your account within 45 days.

Step 3: Enjoy!

Start enjoying the benefits of Coin Checking!

We've been doing this for over 100 years, but we're not doing it the same way we did 100 years ago. Ready to experience better banking?

Apply online between 6 a.m. - 7 p.m. CT
Open in minutes

All you need is your ID, SSN, a mobile device and 5 minutes. We'll do the rest.

No minimum $ to open*

You'll have 45 days to add money to your account with even just a penny!

Many ways to bank

Online, from your phone or in-person with our expert bankers.

Convenience at your fingertips
  • Top-rated mobile app
  • Get paid by direct deposit
  • Deposit checks with your phone
  • Quickly and securely pay bills
  • Tag transactions and add receipts
  • Chat with a banker and get support when you need it


Apple - Download on the App Store Get It On Google Play

Mobile App Displayed on Phone

Be among the first to get Coin Checking – the account that’s ready to use and ready to help you take control of your money.

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

Bank when you want, where you want

Top-rated app

Enjoy 24/7 convenience and security with our top-rated mobile app. Transfer money, pay bills, and more.{16}

32,000+ ATMs

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

Mobile deposit

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

Life moves fast. You need a bank that can keep up. Join the early access list to experience better banking.

Apply online between 6 a.m. - 7 p.m. CT
Gray Debit Card

Debit card

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

Get Mobile Wallet

Mobile Wallet allows you to make purchases at participating locations with just one touch of your device—no need to swipe your card. It's the simplest, most secure way to make purchases with Apple Pay®, Samsung Pay or Google Pay. Just add your Simmons Bank card to your smartphone or tablet, and you're good to go.{16}

Still here?

Need more reasons to sign up? Simmons Bank is recognized as a "2021 America's Best Banks by Forbes" and "2021 World's Best Banks by Forbes." And guess what? We're doing something different. Don't miss your chance to get early access.

Apply online between 6 a.m. - 7 p.m. CT
Forbes 2021 World's Best Banks & Best Banks in America - Fortune 100 Fastest Growning Companies 2020 - Business Finance Platinum Elite Lender 2020
  • {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.

  • {184} 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.

  • {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.
  • {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.