Simmons Bank $300–$900 Business Savings Bonus (9.1%–13.7% Effective APY) - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Bonus tiers
- $300 for a $7,500+ deposit
- $450 for a $10,000+ deposit
- $900 for a $15,000+ deposit
- Enroll in digital / online banking
- Enter promo code BC2 when you apply
- Availability: AR, KS, MO, OK, TX
- No stated lifetime limit
- Monthly fee: $5/mo
- No early-closure rule listed
- Funding window: 30 days
- Maintenance/hold period: 90 days
- Total practical hold: ~160 days
Bonus Tiers & Effective APY
Overview
Simmons Bank currently offers up to $900 through its business savings promotion. The headline tier requires $15,000 and keeps the funds committed for roughly 160 days. That is approximately 13.7% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 30-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Simmons Bank's $900 headline payout is closest to Wells Fargo's $825 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Simmons Bank promotion?
Simmons Bank currently offers up to $900. The headline requirement is $15,000 deposit held for about 150 days.
How much money is required for the Simmons Bank bonus?
The highest advertised payout currently requires $15,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 160 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Cannot have had an account since 8/17/26. Simmons Bank reserves the right to limit to $900 in bonuses per rolling twelve month period across all deposit relationships.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 4, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.