Simmons BankReviews of simmonsfirst.com

The bank itself is the worst, right up there with bank of America. I've banked with this bank for yrs because they bought out the bank that was in our small town. Two other banks I applied for a car loan each gave me a loan, no problem and I don't even have accounts with them. I have 2 accounts with Simmons, 1 personal and 1 business, and they were making me jump though hoops. Both other banks gave each an auto loan in less than a half hour. Only reason this bank has 2 stars is because of the women that work at the branch I go to

They do okay but sometimes they screw you over when you know what is wrong with your account...all they want is your money so if anyone gets this bank make sure you don't get overdraft ever!!!

Just found out that if you pay Simmons more than $1,000 during the billing cycle, while they do credit your account, they do NOT CREDIT TOWARDS YOUR AVAILABLE AMOUNT TO CHARGE. It is held for 7 business days. A few months ago, due to an emergency, we had to charge a large amount on our card. Normally we only use a credit card for on line purchases and in restaurants where security can be an issue, and we do not want to use a debit card. In order to reduce balance as quickly as possible, as many auto payments came out of this account, we started making large payments to Simmons, and every time we charged something I made a payment to cover. I used the bill paying service of my credit union, and $ is immediately deducted from my bank account and sent next day to Simmons. Imagine my surprise, when we shoukd have had over $2000 in available credit, that our charges were denied as being "over limit". After several calls to customer service, a supervisor called me back and told me that if a client pays over $1,000 during a billing cycle, the payments are held. I demanded to know when we were informed of this policy. He said it was in their terms and conditions. Told him never saw that, and had read all very carefully. Asked to have the terms and conditions sent to me showing this policy. He said he could not do that. Suggested, in strong terms, that it sure was a good thing I was broken down on the road somewhere, trying to use the card for an emergency auto repair. He said I could either make a screen shot of my bank account showing $ was deducted, or have my credit union send them an email. Strongly replied to him again that was a darn good thing I was not needing use of this card in an emergency situation.