Find an updated list of Simmons Bank promotions, bonuses, and offers here.
Update 10/16/25: There’s now a $300 checking bonus available through 11/30/25 and a $600 business checking bonus available through 12/5/25.
About Simmons Bank Promotions
Simmons Bank is headquartered in Pine Bluff, Arkansas and was established in 1903. Since then they have grown to 240 locations and boast A+ health rating.
I’ll review the offers below.
Simmons Bank $300 Checking Bonus
- What you’ll get: $300 bonus
- Account Type: Checking
- Availability: MO TN (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: None listed
(Expires 11/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,500 Cash Bonus), | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive a Bonus, Eligible Customers must:
- First, open a new Classic Checking, Coin Checking or Simply Checking account online using promo code SB2 or at a branch between September 22, 2025 and November 30, 2025.
- Second, enroll in Online Banking and access the Account via the Simmons Bank Mobile app or on our website at simmonsbank.com in the first statement cycle and again within ninety (90) days after the Account Opening Date.
- Third, maintain the Account as open and in good standing (as determined by Simmons Bank) from the date the Account is assigned an account number (“Account Opening Date”) until the Bonus is awarded.
- Fourth, meet all requirements for the following Bonus tier during one (1) (or more) of the first four (4) statement cycles after the Account Opening Date. A maximum of three (3) Bonuses may be earned within the first four (4) statement cycles after the Account Opening Date.
- Tier 1 – Earn $100 for each statement cycle
- Receive one (1) or more qualifying direct deposits in your Account totaling at least $1,000 during the statement cycle.
- For up to 3 of the first 4 statement cycles, a bonus will be paid for meeting qualifying activities.
- Bonus: Eligible Customers who open a new Simmons Bank Classic Checking, Coin Checking, or Simply Checking account (an “Account”) online or at an eligible branch between September 22, 2025 and November 30, 2025, and complete qualifying activities will receive up to three (3) cash bonuses (each a “Bonus”) (not more than one (1) per statement cycle), of up to a total of $300 credited to the Account.
- Eligibility: “Eligible Customers” (1) are individuals at least eighteen (18) years old; (2) must furnish or have a valid Form W-9 on file with Simmons Bank and may not be subject to backup withholding; (3) may not be the primary owner of an existing Simmons Bank consumer checking account or have been the primary owner of an existing Simmons Bank consumer checking account in the twelve (12) months prior to Account opening; and (4) must have received a specified promo code (by mail, email, phone or otherwise) and use the promo code at Account opening.
- The Account must be opened at a branch or online using the specified promo code. Find a branch or open the Account online at https://www.simmonsbank.com/cash-offer.
- Timing of Bonus: The Bonus will be credited to the Account on the statement date for the statement cycle in which the Bonus was earned.
- Limitations: An Account will only be eligible for up to three (3) Bonuses during the first four (4) statement cycles2 after the Account Opening Date. A maximum of three (3) Bonuses will be available for an Account per Eligible Customer.
- This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation). Simmons Bank reserves the right to limit an Eligible Customer to $300 in Bonuses per rolling twelve (12) month period across all deposit relationships.
- IMPORTANT TAX INFORMATION: Each Bonus will be reported to the IRS as interest income to the owner of the Account, in the year received, as required by applicable law. Bonus payments will be reported on IRS Form 1099-INT, along with other interest you earn at Simmons Bank, for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Simmons Bank is not a tax advisor.
Simmons Bank $100 Checking Bonus
Earn a $100 bonus with Simmons Bank!
Simmons Bank is offering a $100 bonus when you open a new Checking account.
- What you’ll get: $100 bonus
- Account Type: Checking and Savings Account
- Availability: AR, IL, KS, MO, OK, TN, TX (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new Save10 Youth Savings Account in one of the Arkansas locations.
- Designed for elementary-aged children through a minor’s 17th birthday
- Participating locations:
- $10 minimum opening balance (you’ll get a $10 Opening Deposit Match)
- The Save10 Youth Savings account will convert to a Simply Savings account when the primary owner turns 18.
- The customer must have an open, positive balance checking account or the customer must open a checking product within 60 days of their 18th birthday and have a positive balance of greater than $100 in their Save10 Youth Savings Account at date of conversion.
- Accounts will pay the conversion bonus 180 days post-conversion
- FDIC Insured
- Limit one account per minor under the age of 18
- Available for personal accounts only
- Subject to approval
- Restrictions apply
- Benefits and features are subject to customer qualification and approval by Simmons Bank
Simmons Bank $900 Business Checking Bonus
- What you’ll get: $900 bonus
- Account Type: Checking
- Availability: MO TN (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: None listed
(Expires 12/05/2025)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($600 Bonus) | Axos Bank Basic Business Checking ($200 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive a Bonus, Eligible Customers must:
- First, open a new Business Core Checking, Business Plus Checking, Business Pro Checking, or Non-Profit Checking account using promo code BCP at a branch between July 23, 2025 and December 5, 2025.
- Second, enroll in Online Banking and maintain active Online Banking by accessing the Account via the Simmons Bank Mobile app or on our website at simmonsbank.com and again thereafter every ninety (90) days during the promotional period.
- Third, maintain the Account as open and in good standing (as determined by Simmons Bank) from the date the Account is assigned an account number (“Account Opening Date”) until the Bonus is awarded.
- Fourth, meet all requirements for one of the following Bonus tiers during one (1) (or more) of the first five (5) statement cycles after the Account Opening Date. A maximum of three (3) Bonuses may be earned within the first five (5) statement cycles after the Account Opening Date.
- Tier 1 – Earn $300 for the statement cycle. Maintain an average daily balance of $15,000 or more during the statement cycle.
- Tier 2 – Earn $150 for the statement cycle. Maintain an average daily balance of $10,000 or more during the statement cycle.
- Tier 3 – Earn $100 for the statement cycle. Maintain an average daily balance of $7,500 or more during the statement cycle.
- Bonus: Eligible Customers who open a new Simmons Bank Business Core Checking, Business Plus Checking, Business Pro Checking, or Non-Profit Checking account (an “Account”) at an eligible branch between July 23, 2025 and December 5, 2025, and complete qualifying activities will receive up to three (3) cash bonuses (each a “Bonus”) (not more than one (1) per statement cycle), of up to a total of $900 credited to the Account.
- Eligibility: “Eligible Customers” (1) are business entities, excluding public funds, trusts, financial institutions, or political action committees; (2) must qualify for an Account in Simmons Bank’s sole discretion; (3) may not have an existing Simmons Bank Simply Business 50 Checking, Simply Business 250 Checking, Simply Business 500 Checking, Business Core Checking, Business Plus Checking, Business Pro Checking, Non-Profit Business Checking, or Non-Profit Checking account per the bank’s records as of July 23, 2025; and (4) must have received a specified promo code (by mail, email, phone or otherwise) and use the promo code at Account opening.
The Account must be opened at a participating branch using the specified promo code. See eligible branches below. - Timing of Bonus: The Bonus will be credited to the Account on the statement date for the statement cycle in which the Bonus was earned.
- Limitations: An Account will only be eligible for up to three (3) Bonuses during the first five (5) statement cycles2 after the Account Opening Date. A maximum of three (3) Bonuses will be available for an Account per Eligible Customer. A maximum of one (1) Bonus will be available for an Account per statement cycle.
- This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation). Simmons Bank reserves the right to limit an Eligible Customer to $900 in Bonuses per rolling twelve (12) month period across all deposit relationships.
- IMPORTANT TAX INFORMATION: Each Bonus will be reported to the IRS as interest income to the owner of the Account, in the year received, as required by applicable law. Bonus payments will be reported on IRS Form 1099-INT, along with other interest you earn at Simmons Bank, for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Simmons Bank is not a tax advisor.
How To Waive Monthly Fees
- Coin Checking: None
- Simply Checking: None
- Simply Youth Savings: None
- Commercial Checking: Earnings credit allowance may offset monthly Account Maintenance Fee
- Affordable Advantage Checking: $25 monthly fee
- Health Savings: $3 monthly fee
- Classic Checking: $6 monthly fee. Maintain a $500 daily balance or a $1,000 average monthly balance to avoid the monthly account fee
- Interesting Checking: $10 monthly fee. Maintain a $1,000 daily balance to avoid the monthly account fee
- Prosper Checking: $10 monthly fee. Reduced to $8 when account receives an ACH credit, such as direct deposit, during the monthly statement cycle
- Simply Savings: $5 monthly fee. Maintain a $100 minimum daily balance to avoid the monthly account fee
- Money Market: $10 monthly fee. Maintain a $2,500 minimum average daily balance to avoid the monthly account fee.
- Simply Business 50 Checking: $5 monthly Account Maintenance Fee may be offset with a $5 credit when you meet one of these qualifications:
- $500 minimum daily balance on any Simply Business 50 Checking account
- Have an Open Business Loan
- Simply Business 250 Checking: $10 monthly Account Maintenance Fee may be offset with a $10 credit when you meet one of these qualifications:
- $2,500 minimum daily balance on any Simply Business 250 Checking account
- Have an Open Business Loan(s) with a combined Current Balance of at least $25,000
- Have a combined Total Relationship Balance on business deposit accounts and/or qualifying Open Business Loans of at least $25,000
- Simply Business 500 Checking: $20 monthly Account Maintenance Fee may be offset with a $20 credit when you meet one of these qualifications:
- $15,000 minimum daily balance on any Simply Business 500 Checking account
- Have an Open Business Loan(s) with a combined Current Balance of at least $25,000
- Have a combined Total Relationship Balance on business deposit accounts and/or qualifying Open Business Loans of at least $50,000
- Non-Profit Business Checking: $5 monthly Account Maintenance Fee may be offset with a $5 credit when you meet one of these qualifications:
- $500 minimum daily balance on any Non-Profit Business Checking account
- Have an Open Business Loan
- Simply Savings Business: $5 monthly fee. Maintain a $100 minimum daily balance to avoid the monthly account fee
- Money Market Savings Business: $10 monthly fee. Maintain a $2,500 minimum average daily balance to avoid the monthly account fee.
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Bottom Line
Simmons Bank is offering great promotions with easy requirements. With services such as online banking, you can sure your money is secure. Be sure to apply for these while you still can today!
Additionally, your feedback is highly appreciated and makes our site even better!
While they have generous bonuses, Simmons Bank doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
Compare Simmons Bank Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, Wells Fargo, and more!
*Finally, remember to check back at this page for updated Simmons Bank promotions, bonuses, and offers.
Says you have to apply at an Arkansas location. A little too far I’d say.