Simmons Bank overdraft fee
Simmons Bank prints a Paid Item/Overdraft Fee of $36. The same page does not cap how many of those fees can post in a day, and it skips the fee when the available balance is negative by $5 or less. The wider table is US overdraft fees by bank.
Last updated: October 21, 2026
Last checked: Oct 2026
The $36 fee
Opened 21 October 2026. The dollar is on the Simmons overdraft protection FAQ and on the Overdraft Privilege disclosure. The Paid Item/Overdraft Fee is $36.00. Simmons generally does not charge that fee if the available balance is negative by $5.00 or less.
The FAQ says there is no limit on the number of Paid Item/Overdraft Fees. That is the opposite of a daily cap. Consumer ATM and point-of-sale debit transactions have no fee unless you opted into Additional Overdraft Privilege. A business Return Item/NSF fee is $36.00, and that row also has no daily limit. The FAQ names $36 for a business return. It does not name a Simmons consumer return fee, so this page does not invent one.
The overdraft limit is generally a negative available balance of $1,000. Paying an item is discretionary. A limit is not a promise that Simmons will pay the next item.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What Simmons prints |
|---|---|
| Paid Item/Overdraft Fee | $36.00 |
| Small negative balance | Generally no fee if negative by $5.00 or less |
| Daily cap on paid-item fees | No limit printed |
| Consumer ATM or debit card | No fee unless you opted into Additional Overdraft Privilege |
| Business Return Item/NSF | $36.00, no daily limit printed |
| Consumer return fee | The FAQ does not name one |
| Overdraft limit | Generally $1,000 negative available balance, and payment is discretionary |
How to avoid it
Because Simmons does not print a daily cap, several $36 fees on one day can all be inside the rule the FAQ states. Counting them does not, by itself, show a fee past a cap. The $5 cushion is the exception the page does print.
A business return is the $36 row. Do not read that row as a consumer return fee. The FAQ does not give a consumer return dollar. If a consumer statement shows a return fee, ask Simmons what the line is, with the date and the amount, rather than matching it to the business row.
Questions
- How much is a Simmons Bank overdraft fee?
- The FAQ and the Overdraft Privilege disclosure print a Paid Item/Overdraft Fee of $36.00.
- Does Simmons Bank cap overdraft fees per day?
- The FAQ says there is no limit on the number of Paid Item/Overdraft Fees. The business return row also has no daily limit.
- Does Simmons name a consumer NSF return fee?
- The FAQ names $36.00 for a business Return Item/NSF fee. It does not name a consumer return fee.
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