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Simply Savings

Leverage interest, build savings. It's that simple.

  • No fee or limit on withdrawals
  • Earn interest on entire daily balance

Apply in person

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Saving made simple:

Open with a minimum balance of $100.

Maintain a $100 minimum daily balance to waive $5 monthly service charge.

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

Earn interest on entire daily balance in tiers:

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

Enjoy no fee or limit on monthly withdrawals.

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}

We're here to help.

In Person

Stop by a branch to talk with an advisor.

By Phone

Monday–Friday, 7:30 a.m. – 6 p.m. CT
Saturday, 8 a.m. – 12 p.m. CT

Simply Savings FAQs:

There is a $5 monthly service charge, but this fee is waived if the $100 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.

Yes! There is no fee or limit on monthly withdrawals from this account.

If a withdrawal causes your daily balance to drop below $100, you will no longer be eligible for the monthly service charge waiver for that month.

Our Simply Savings account pays a tiered, variable rate of interest. Interest rate subject to change daily. Interest is earned on entire daily collected balance and is compounded and credited quarterly.

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.
  • {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™.