Simmons Bank Checking Accounts

Worst bank ever. I wouldn't recommend this bank to my worst enemy. I wanted to give them a zero rating, but you can't. They are inept, to say the least.

They charged me three overdrafts in one week for small paypal recurring debts, even though I had opted out of the overdraft on my account. Then after receiving a large direct deposit they took their fees and closed the account. Told me that they would refund my money by sending a check in the mail in 6 to 8 weeks. I was standing in the bank at the time. They could have issued a check right there but they chose to withhold my funds and make me wait. This was for over $600 dollars. I walked out feeling like they beat and robbed me on the street.

If you value your money stay far far away.

A few days before Christmas, I had a long-standing checking account that I had opened with Metropolitan Bank over 20 years ago closed, and money was taken out of my other checking account, which has caused me a lot of financial problems. This was done because I was two days late in completing the fresh start agreement/repayment plan on the account, which would have allowed me to pay the $919 negative balance back over a 12-month period, something I have done many times with no problems.

Each year, I would use my overdraft privileges in December on the now-closed account to help buy Christmas presents for my children and grandchildren. However, this past year, I had to use the overdraft in November due to a major car repair issue. I was late by two days in completing the fresh start agreement to pay off my overdraft account. Simmons chose to enact their 'right to set off' by taking money out of my other Simmons Bank account, creating an overdraft. This money was designated for bills, medication, doctor bills, etc. Never did I intend to let this happen. My history with the bank and that account speaks for itself. I simply misjudged the 60 days allowed to complete the fresh start agreement by using the overdraft in November instead of December. Additionally, my primary account had been compromised on December 21 with fraudulent activity, I was sick, and there was a family death. I was simply late getting to the bank. In fact, I went to the bank on December 24 to complete the fresh start agreement, but the manager I needed to speak with was working at another branch that day, and therefore I decided to come back the day after Christmas. I was not aware that December 23 was the 60th day, but had I completed the paperwork on December 24, I could have had the pending closure reversed.

I pleaded with several bank employees to reconsider, but was told that once an account had been closed, nothing could be done. Then, one bank employee mentioned that the 'back office' does not like to complete the paperwork necessary to reinstate an account. My branch manager did advocate for me, reaching out to the person at Simmons who could have overturned this action and rectified the matter. However, he told me that the person who has the authority to reinstate my account, refund my money, and allow me to complete the fresh start agreement, refused to do so. It's a shame that people would rather adhere to their 'arrogance and power' instead of helping a long-term customer. This person's refusal tells me that Simmons Bank could not care less about its customers.

Because the person who could have reopened my account chose not to do so, which would have given me my $919 back that was taken from my other account, allowing me to meet my financial obligations as well as to complete the fresh start agreement, I am suffering financially.

I have been a Simmons customer for over 30 years. Years ago, I took out a student loan to obtain my nursing degree. There was no hassle, the interest rate was low, and the payments were affordable. I paid it off without any issues. I've never had any problems with the staff either. Whether I'm in the drive-thru or inside the bank, they have always treated me with respect and dignity, which is pretty common in a small-town setting. Then I read all of the multiple negative comments, which is confusing because for every 5-star rating with comments extolling the virtues of doing business with Simmons, there are 5 times more 1-star ratings. One commenter stated he gave it 1 star only because ZERO WASN’T AN OPTION). The contradiction in experiences shared gives the Simmons banking experience a paradoxical vibe, and that's going to be difficult for Simmons to explain—and explain they should. I'll remain a loyal Simmons customer until you give me a reason not to be.

Worst customer service ever. What fraud department? They allowed fraudulent charges on my account for six months, twice a month. I went into the bank several times and nothing happened. I received no money back and even had an employee imply that I was lying about these charges and that I had authorized them. He told me that my account would be shut down if I was lying. What kind of customer service is that?

They treat you horribly. Asked to purchase a roll of dollar gold coins. I was banned from a 7-Eleven over coins I purchased through their bank! Accused of using counterfeit money! Barred from a Western & Hefner 7-Eleven. No problem, but it would not have existed if the bank did not have fake dollar coins.

Horrible bank, they will do anything they can to take your money. The worst bank I've ever dealt with. They put forced-place insurance on my loan without contacting me. They had no problem sending bills and loan denial letters to my house. But as soon as they needed proof of insurance, not a single letter showed up. They claim to have sent three. They charged me $306 for two months of insurance that they didn't even have on. You can't backdate insurance. They charged me on May 22 but took money for March and April when normally my insurance is $368 per year. They refused to fix it, even though I've never been late on a payment or done anything else to cause this. Please stay away; they will kick you when you're down.

I have banked with Simmons since high school. I recently switched banks to get a better High-Yield Savings Account and a better online banking experience. I went in person on March 15 to close my account. Despite one in-person visit, three phone calls, and two weeks later, my accounts are still not closed, and I have now been charged a service fee for a $0 balance in the savings account. I do not understand why it is so hard to close my account. I will never recommend them to anyone ever again.

Star City branch accused my fiancee of fraud and froze his disabled mother's account and his and didn't give a justified reason to why and forced him to take his business elsewhere! The worst experience ever during the holiday and the bank manager Michelle had no answers to exactly why and how it happened. I believe a worker made a error and he suffered from it. He had to change all her direct deposit banking information everywhere that it was set up for years to be sure that she received all her benefits for medication and bills.

I recently switched to Simmons bank, I am now regretting the decision. This maybe the slowest bank on the planet. All I have done in the last 2 weeks is try and get my Zelle account send limit raised, 2 weeks same run around. Deposits are slow, customer support is not much better. So far so bad. Be careful if you become a customer.