Simmons Bank is offering an easy up to $450 checking account bonus, paid out in monthly chunks of $150 when you meet simple direct deposit requirements.

What makes this one unique: instead of one big payout, you can earn up to three separate $150 bonuses — one per statement cycle.

Availability:

This offer is available in:

AR, TX, TN, OK, MO, and KS

No OOS data points yet (I’m going to try on my next trip to MO)

How to Qualify

You must open a qualifying checking account by March 26, 2026 and complete the following steps:

Step 1 – Open an Eligible Account

Open a new checking account online or in-branch using promo code: SB3

Eligible accounts:

• Coin Checking

• Classic Checking

• Simply Checking

Accounts must be opened between January 26 and March 30, 2026.

Step 2 – Enroll in Online Banking

You must:

• Enroll in Online Banking

• Log in through the Simmons Bank Mobile App or simmonsbank.com during your first statement cycle

• Log in again within 90 days of account opening

Step 3 – Earn Up to $450 in Monthly Bonuses

You can earn up to THREE bonuses within your first four statement cycles.

Each bonus is earned the same way:

$150 per Statement Cycle

Earn $150 for each statement cycle where you:

• Receive $1,000+ in qualifying direct deposits

You can repeat this for up to three statement cycles, for a total of $450

Bonus Timing

Each $150 bonus is credited on the statement date for the cycle in which you qualify —

No waiting months for a lump sum.

Monthly Fees (And How to Avoid Them)

All options are low-cost or free but I would just open a Coin Checking with a $0 monthly fee

Early Account Termination Fee

Simmons does not list an early account closure penalty for this offer.

As always, keep the account open and in good standing until all bonuses post.

Final Thoughts

This is a solid regional bonus with:

• Up to $450 total

• Paid in fast monthly installments

• Low deposit requirement ($1,000 per month)

• Two checking options with $0 fees

If you’re in one of the eligible states and can run $1k in direct deposits for a few months, this is a very easy bonus to stack alongside other bank offers.

Link to offer: Simmons Bank Bonus