Smart Checking
A smart choice for many people, including first-time account holders.
- No overdraft fees{199}
- Early Payday{213}
- Round-Up savings{21}
- Credit score monitoring
Take control of your spending:
Waive the $10 monthly service charge if one of the criteria below is met:
- One direct deposit
- One debit card transaction occurs
Enroll in eStatements to waive $2 monthly paper statement fee.
Includes Simmons Bank Visa® debit card.{7} {102}
Works seamlessly with our Simmons Bank Mobile App.{16}
Switch your Direct Deposit to Simmons and get paid early
Switching your direct deposit to Simmons Bank is fast and secure using online or mobile banking. Simply sign in and choose Direct Deposit Switch to begin.
Once set up, you can receive your paycheck up to two days early for quicker access to your money.{213}
Learn more with FAQs
Call 877-245-1234 for deposits and loans, or 800-272-2102 for credit cards to access your account any time.
Round up your purchases to the next whole dollar amount and we'll deposit the difference in a second account of your choice.{21}
Save a trip to the bank. Deposit checks from your smartphone or tablet anytime, anywhere with no charge.{16}
Smart Checking FAQs:
There is a $10 monthly service charge for this account. This charge can be waived if one of the criteria below is met:
- One direct deposit
- One debit card transaction occurs
There is a $2 monthly paper statement fee, but this fee is waived if enrolled in estatements only.
You can add funds to your account by using mobile deposit, Zelle, internal or external transfers, visiting a branch or making a deposit at an ATM.
Smart Checking is a checkless checking account perfect for customers who will maintain a low balance and use this account primarily for daily expenses.
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 5-7 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!
-
{165} All accounts subject to approval. Restrictions apply.
-
{97} Benefits and features are 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.
-
{213} Early Payday applies to certain 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 may make funds from these deposits available the same day a 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.
-
{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.
-
{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™.