Simmons Bank – $900 Checking Bonus – AR, TX, TN, OK, MO & KS

Deal has ended, view more bank account bonuses by clicking here. 

Update 2/1/26: Deal is back until March 30, 2026. Bonus has been increased to $150 per cycle (previously $100) so a total of $450 (previously $300). 

Offer at a glance

• Maximum bonus amount: $300
• Availability: AR, TX, TN, OK, MO & KS
• Direct deposit required: Yes, $1,000+
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None
• Expiration date: November 30, 2025 March 30, 2026

The Offer

Direct link to offer

• Simmons Bank is offering a $450 bonus when you open a new checking account and complete the following requirements:
  • Use promo code SB3
  • Have active digital banking.
  • Have direct deposits totaling $1,000 or more per statement cycle

The Fine Print

• 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 January 26 and March 30, 2026, 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 $450 credited to the Account.
• First, open a new Classic Checking, Coin Checking or Simply Checking account online using the specified promo code or at a branch between January 26 and March 30, 2026.
• 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 $150 for each statement cycle
    • Receive one (1) or more qualifying direct deposits in your Account totaling at least $1,000 during the statement cycle.¹
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Simply checking has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find any mention of one in the fee schedule.

Referral Bonus

There is also a $50 referral bonus, this should stack but no guarantees. This requires:

• 7 debit card transactions within the first 30 days.
• $100 ACH deposit within the first 60 days

Do not share referrals in the comments below, they can be shared in this linked post. 

Our Verdict

Not as good as the recent $600 bonus that was recently offered. Because of that we won’t add it to our best bank account bonus page. 

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