Simmons First National Bank is a financial institution that serves individuals and businesses. It offers savings, checking, money market and individual retirement accounts. The bank operates a network of branches and ATMs, as well as provides online and telephone banking services. Simmons First National Bank offers consumer, student, real estate construction, single-family residential, commercial and agricultural loans. It also provides safe-deposit boxes, certificates of deposits, and credit and debit cards. The bank also offers cash management and merchant solutions. Simmons First National Bank is an Equal Housing Lender and a member of the Federal Deposit Insurance Corporation. It is a subsidiary of Simmons First National Corporation, which conducts financial operations from more than 80 offices.