Simmons Bank Bonuses: $100, $300, $900 Business Checking, Youth Savings Promotions (AR, IL, KS, MO, OK, TN, TX)

Make use of the latest Simmons Bank bonuses, promotions, 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.

Simmons Bank Bonuses Review

Established in 1903, Simmons Bank has about $21.9 billion in assets and more than 3,000 associates today! Additionally, they have the strength of being one of the premier banks in their region. Simmons Banks partners with many financial institutes that have the same qualities as them as well.

Simmons Bank $300 Checking Bonus

• What you’ll get: $300 Bonus
• Eligible account: Checking
• Where it’s available: MO, TN (Branch Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: Yes
• Monthly Fee: None
• How to earn it:
  • 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.

(Expires 11/30/2025)

Fine Print

• 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 $10 Youth Savings/ $100 Simply Savings Bonus

To earn this great bonus offer, just open a new savings account and meet all of their requirements.

• What you’ll get: $10, $100 Bonus
• Eligible account: Youth Savings Account
• Where it’s available: AR, IL, KS, MO, OK, TN, TX (Branch Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • Earn $10 bonus for people ages under 17 years old, when opening a Youth Savings account at participating Arkansas locations:
    • Benton
    • Bryant
    • Cabot
    • Conway
    • Hensley
    • Hot Springs
    • Little Rock
    • Maumelle
    • North Little Rock
    • Pine Bluff
    • White Hall
  • $100 bonus at age 18 if the converted balance from the Youth Savings account is over $100.
  • $10 minimum opening balance (you’ll get a $10 Opening Deposit Match)

(Limited time offer)

Fine Print

• Benefits and features are subject to customer qualification and approval by Simmons Bank.
• Data connection required.
• Wireless carrier fees may apply.
• Available for personal accounts only.
• Account balance must be at $10 or more on the third reward cycle, and minor must not be passed the day of their 17th birthday of each month.
• Accounts opened on or before the 25th of each month will pay on the third statement cycle.
• For accounts opened between the 26th and the 31st will pay on the fourth statement cycle.
• The Save10 Youth savings account will convert to a Simply Savings account when the primary owner turns 18.

Simmons Bank $900 Business Checking Bonus

• What you’ll get: $900 Bonus
• Eligible account: Checking
• Where it’s available: MO, TN (Branch Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: Yes
• Monthly Fee: None
• How to earn it:
  • 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.

(Expires 12/05/2025)

Fine Print

• 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.

Conclusion

Overall, if you’re under 18 years old and looking for a good savings account to open, this is the one for you! Simmons Bank offers many perks and no monthly fees with this new account! Additionally, you’ll be able to start making good spending and savings habits early. However, if you don’t reside in the many states this offer is available, check out another savings bonus.

While these bank promotions are rather attractive, you can also take advantage of our list of Savings, Money Market, and CD rates.

• Best Savings/Money Market rates
• Best CD Account rates

However, if you do not live in the many states it’s available in, definitely take a look at our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

Furthermore feel free to comment on this post with any questions you may have about Simmons Bank, their accounts they offer, or any experiences you have had!

Lastly, check back often for more Simmons Bank Bonuses, Promotions, or Offers!