Simmons Bank routing number

Despite operating 237 branches across six states with a history of numerous acquisitions since 1903, Simmons Bank maintains a single routing number (082900432) for all transaction types and locations. This unified approach simplifies banking operations for customers who can use the same routing number for ACH transfers, wire transfers, direct deposits, and check processing regardless of which state they opened their account in or where they now bank. Unlike many regional banks that maintain separate routing numbers from acquired institutions, Simmons Bank consolidated its operations under one routing system, reflecting its streamlined approach to customer service and operational efficiency.

Simmons Bank does not publicly disclose specific wire transfer fees on their website. Fees are listed in the Simmons Online Banking Service Charge Schedule, which is provided to customers after account opening. Based on the bank's fee structure, wire transfers typically involve per-transaction fees that vary depending on whether the transfer is domestic or international and whether it is incoming or outgoing. For businesses making regular wire transfers, these fees can add up quickly. Contact Simmons Bank at 1-866-246-2400 or visit a local branch to obtain current wire transfer fee information before initiating transactions.

Simmons Bank processes wire transfers on the same business day for transactions initiated before the cutoff time. The bank's treasury management service enables businesses to move funds to virtually any bank in the U.S. or internationally, usually within the same business day. Domestic wire transfers typically process within a few hours when sent before the daily cutoff. International wire transfers may take 1-2 business days depending on the destination country and correspondent bank relationships. Standard ACH transfers take 1-3 business days to process, with outgoing transfers debited the same business day if initiated before 5:00 PM Central Time.

Yes, Simmons Bank offers international wire transfer services for both personal and business customers. For international wires, you will need to provide Simmons Bank's routing number (082900432) and SWIFT code (SMNOUS44). International wires can be sent through Simmons Bank's online banking platform for business customers enrolled in treasury management services, or by visiting a branch. The bank's wire transfer service enables you to move funds internationally with same-day processing for urgent payments. However, fees apply for international wire transfers, and you should contact the bank at 1-866-246-2400 for specific pricing information.

Simmons Bank takes a discretionary approach to ACH transfer limits, meaning the bank sets and can modify limits without public disclosure. Customers only discover their specific limits after enrolling in external transfer services through online banking. The bank reserves the right to block or limit transfers based on suspected fraud or unusual activity patterns. For businesses requiring high-volume payment processing or large transaction amounts, it is recommended to contact Simmons Bank's treasury management team at 1-800-551-4471 to discuss your specific needs and any applicable limits or to explore commercial banking services that may offer higher capacity.