Checking Accounts
| Account Type |
More Info |
Minimum Opening Balance |
Monthly Service Charge |
Balance to Avoid Service Charge |
Minimum Balance to Earn Interest |
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Free Checking
|
show/hide
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$100 |
$0 |
$0 |
N/A |
A non-interest bearing checking account with no minimum balance requirements.
Account Features
- No monthly service charge
- No minimum balance requirement
- FDIC insurance
- Free direct deposit
- Free notary service
- Unlimited check writing and deposits
- Monthly statement-no images
- Online Banking
- Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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Student Checking
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show/hide
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$0
|
$0
|
N/A
|
N/A
|
|
A checking account that offers students and their parents convenience and cost savings.
As a "Thank You" Simmons First will add $10 to your balance.
Account Features
- No monthly service charge
- No minimum balance requirement
- First order Simmons First Logo checks free
- Free direct deposit
- Unlimited check writing and deposits
- Monthly statement-no images
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Online Banking
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Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
To learn more, please contact a Financial Service Representative at any of our convenient locations. |
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Bonus Checking
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show/hide
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$100
|
$8
|
N/A
|
N/A
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A non-interest bearing checking account, loaded with features, for one low monthly fee.
Account Features
- No minimum monthly balance required
- Simmons First Logo checks
- FDIC insurance
- Free direct deposit
- Free notary service
- Unlimited check writing and deposits
- Monthly statement with images
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Online Banking
-
Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
- 50% Discount on annual Safe Deposit Box rental
Additional Benefits
- $30,000 Accidental Death & Dismemberment Insurance & $100,000 Common Carrier Insurance
- $5,000 Identity Fraud Expense Reimbursement Coverage
- Credit/Debit Card Registration
- Credit File Monitoring
Click here to access your benefits online.
Benefits and features subject to customer qualification and approval by Simmons First.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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Regular Checking
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show/hide
|
$100
|
$6
|
$500 or Monthly Average of $1,000
|
N/A
|
A basic non-interest bearing checking account to fit all your needs.
Account Features
- FDIC insurance
- Free direct deposit of Social Security and retirement checks
- Free notary service
- Unlimited check writing and deposits
- Monthly statement with images
- Online Banking
- Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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All in One Checking
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show/hide
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$100
|
$8
|
$1,000
|
N/A
|
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Interest bearing account packed full of benefits.
Account Features
- Interest-bearing checking account.
- FDIC insurance
- Free direct deposit
- Free notary service
- Free travelers cheques*
- Unlimited check writing and deposits
- Monthly statement with images
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Online Banking
-
Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
*Travelers cheques are single signature only.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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Clear Choice Checking
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show/hide
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$100
|
$15
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$5,000
|
$0
|
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Interest bearing account that rewards high balances with a higher interest rate and lots of extras! In addition to the basic checking features you also receive many extras such as free Simmons First logo checks, free online Bill Pay, special consumer loan rates and much more.
Account Features
- Free Simmons First Logo checks
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Online Banking
-
Bill Payment
- Free Travelers Cheques*
- FDIC insurance
- Notary service
- Unlimited check writing and deposits
- Monthly statement with images
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
*Travelers cheques are single signature only.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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Health Savings
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show/hide |
$100
|
$3
|
N/A
|
$0
|
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As health care costs continue to rise, many employers are learning about a smart way to save for these expenses. A Health Savings Account (HSA) is a tax advantaged account that can be funded by an employer, the employee, or another qualified party. Contributions to the account are tax deductible, and the HSA may accrue interest on a tax- deferred basis. Also, account withdrawals to pay for qualified health expenses are tax-free, providing participants with significant tax savings. An HSA may be portable between employers.
Account Features
- Unlimited check writing and deposits
- Interest bearing checking account
- Higher the balance, the higher the rate
- FDIC Insurance
- Free direct deposit
- Free notary service
- Monthly statement
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Online Banking
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First.
For more information about Simmons First Health Savings account visit Frequently Asked Questions or contact a Financial Service Representative at any of our convenient locations.
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Fifty Plus Checking
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show/hide |
$100
|
$8
|
$300
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$0
|
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An interest bearing checking account for those 50 or older.
Account Features
- Interest bearing checking account
- Free Simmons First Logo checks
- FDIC insurance
- Free direct deposit
- Free notary service
- Free travelers cheques*
- Unlimited check writing and deposits
- Monthly statement-with images
-
Online Banking
-
Bill Payment
- Simmons First Classic Checking Card (Debit Card) allows you to use your checking account (without writing checks) all over the world at participating VISA merchants.
Benefits and features subject to customer qualification and approval by Simmons First
*Travelers cheques are single signature only.
To learn more, please contact a Financial Service Representative at any of our convenient locations.
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.