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For those who want to be healthier and wealthier.

Health Savings from Simmons Bank

Health Savings

By the numbers:


Minimum balance to open


Monthly service charge


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


Interest earned on entire daily collected balance

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

Simmons Bank standard checks


Subject to HSA eligibility. May provide tax benefits.

Perfect for the customer who:

  • Wants a tax-advantaged way to save for qualified health expenses
  • Wants to earn higher interest on higher balances
  • Never forfeits their unused balance at end of year (like flex spend accounts)

Debit card

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

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.

Free standard checks

In addition to your Simmons Bank Debit Card with EMV Chip, this account comes with free personal checks.

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}

Ready to apply?

​Applying for a Simmons Bank savings account is simple. When you apply with a Simmons Bank associate, you’ll need to gather a few things:

  • Basic Financial Information
  • Social Security Number
  • Employer Information
  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
  • {118} Health Savings Accounts are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses. The Internal Revenue Service publishes a list of qualified expenses in Publication 502. Medical and Dental Expenses available at Consult your tax professional with any questions.
  • {7} Simmons Bank Debit Card issuance is subject to customer qualification and approval by Simmons Bank.
  • {21} Available for personal accounts only.