Skip to main content

Interest Checking

For those who want to make money on their money.

  • Earns interest on entire daily collected balance
  • Ideal for those who keep a high balance

Apply in person

woman laughing while entering credit card info into smart phone

Open the checking account that pays.

Open with a minimum balance of $100.

Maintain a $1,000 minimum daily balance to waive $10 monthly service charge.

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

Includes Simmons Bank standard checks and debit card at no cost. Overdraft services available.{70}

Works seamlessly with our Simmons Bank Mobile App.

Earn interest on entire daily collected balance in tiers:

  • $0 – $2,499
  • $2,500 – $9,999
  • $10,000 – $24,999
  • $25,000 – $49,999
  • $50,000 – $99,999
  • $100,000+

Learn more with FAQs

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}

Questions?
We're here to help.

In Person

Stop by a branch to talk with an advisor.

Find a branch
By Phone

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

Interest Checking FAQs:

There is a $10 monthly service charge, but this fee can be waived if a $1,000 minimum daily balance is met.

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.

This account includes Simmons Bank standard checks.

Return to all checking accounts

Forbes 2022 World's Best Banks – Forbes 2023 America’s Best Midsize Employers – Business Finance Platinum Elite Lender 2021
  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.

  • {70} Read what you need to know about overdrafts and overdraft fees. Download the Overdraft Privilege Disclosure. Choose overdraft services options.

  • {7} Simmons Bank Debit Card issuance is subject to customer qualification and approval by Simmons Bank.

  • {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.

  • {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.