You may obtain the available balance (as of the time of your inquiry) via Simmons Online Banking, Mobile Banking, at an automated teller machine (ATM), at a Simmons Bank branch, or by calling us at (866) 246-2400. To be valid, a Rejection Notice must: (a) include your name, account number, and a statement that you are rejecting the arbitration provision in this Agreement; and (b) be received by us within 30 days after the opening of your account. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute checks. Frequency of rate changes - We may change the interest rate on your account at any time. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Computer Transfers - types of transfers -You may access your account(s) by computer through the internet by logging onto our website at www.simmonsbank.com and using your user identification and a password, to: Mobile Banking Transfers - types of transfers -You may access your account(s) through the browser on your cell or mobile phone at www.simmonsbank.com and using your user identification and a password, to: You may be charged access fees by your cell phone provider based on your individual plan. If an arbitration provision has been added for the first time to the agreement for an existing account, your Rejection Notice must be postmarked on or before the effective date of that amendment to that agreement. In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Electronic direct deposits will be available on the day we receive the deposit. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys fees. You may opt out at any time. For purposes of this section, Health Savings Accounts are considered transaction accounts. Residential LED Lighting. WebSimmons Bank is FDIC insured. This funds availability policy statement applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits, or money market accounts. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. This account is available to Individuals and Non-Profit Organizations. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, with right of survivorship. Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. If we receive returned mail, we may impose a service fee. Nor does this arbitration agreement preclude either you or us from exercising self-help remedies (including setoff), and exercising such a remedy is not a waiver of the right to invoke arbitration of any dispute. Log in to your Simmons Trust Wealth Management, Request a Business Credit Card Application, Request a Corporate Credit Card Application, Terms and Conditions of Your Account - Personal Banking. Refer to your HSA Agreement for more information relating to the use of your HSA. Our rights under this security interest are in addition to, and not in limitation of, any other rights under any other security interest you may have granted to us under a separate agreement. In general, your stop-payment order - whether we receive it orally, in writing, or by another type of record - will be effective for six months. You will be liable for our costs as well as for our reasonable attorneys fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account. This right of setoffdoes not apply to this account if prohibited by law. Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. If we receive such a second or subsequent request for payment, we will treat the request as an independent item different from the item(s) previously presented. Minimum balance to open the account -You must deposit $500.00 to open this account. Accounts may be opened by a person acting in a fiduciary capacity. Some activities may not cause your available balance to increase or decrease right away. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. You will have ten calendar days after maturity to withdraw the funds without a penalty. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). As an alternative to making a large cash withdrawal, you may want to consider a cashier's check or similar instrument. If we decide that there was no error, we will send you a written explanation. WebTeller deposits after 6:00 p.m. and Peapack-Gladstone Bank ATM deposits after 3:00 p.m. will be credited on the next business day. We may seek instructions from a court of competent jurisdiction, at your expense (to the extent allowed by applicable law), regarding the ownership or control of the account. Please click here to change/reset your username or password. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt any of you owe us now or in the future. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. UPLOAD OF ELECTRONIC DEPOSIT TO UMPQUA BANK . This account may not be transferred or assigned without our prior written consent. You andwe each waive the right to a trial by jury or to participate in a classaction whenever either you or we elect arbitration. Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. If the two above requirements are NOT met, the Annual Percentage Yield for balances $0.01 to $20,000.00 will be 0.01%. When you flip the check over, be sure to keep all indorsement information within 11/2 of that edge. You further agree that, if we did not use ordinary care, the time that you have to examine your statements and report to us pursuant to this section will be extended to 60 days. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. Within each category of checks and other paper items, we generally post in check/item number order. Minimum balance to open the account -There is no minimum balance to open this account. Unless we agree in writing otherwise, we have no fiduciary duties to you related to the accounts and services we provide to you. Your consent does not authorize us to contact you for telemarketing purposes (unless you otherwise agreed elsewhere). If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us. Point-of-Sale Transactions - dollar limitations -Using your card: Types of Visa Debit Card Point-of-Sale Transactions -You may access your checking account(s) to purchase goods (in person, online or by phone), pay for services (in person, online or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution or do anything that a participating merchant will accept. We may close your account or take other action related to your account that we determine to be reasonable under the circumstances even if the action is not listed here. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights. The annual percentage yield assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. Using an automated process helps us keep costs down for you and all account holders. Minimum balance to avoid imposition of fees -A service charge fee of $5.00 will be imposed monthly if the balance in the account falls below $100.00 any day of the cycle. Select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check. Minimum balance to open the account -There is no minimum balance to open this account. Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided elsewhere, if any. WebYour Simmons Online Banking service may be canceled in whole or in part by Simmons Bank at any time without prior notice for any reason, including, but not limited to, insufficient funds in one or more of your Accounts or other circumstances that may create an unanticipated liability to the Bank. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. Notify us at once if you believe your checks have been lost or stolen. This account is available to Individuals. If you have complied with the requirements of this paragraph and the arbitrator awards you an amount of money that exceeds the value of our last written settlement to you before the appointment of the arbitrator, then we will pay you $500 in lieu of any smaller award. Automatically renewable time account -This account will automatically renew at maturity. Beginning with the statement cycle in which your account is opened and for each statement cycle thereafter, your Coin Savings account may be eligible to earn either Relationship Premium A, Relationship Premium B, or neither. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. WebYou may set up an ATM withdrawal from your checking or savings account that allows ATM access using your Bank of America ATM/debit card. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. You shall upload the Electronic Deposit to us on or before the 6:00 p.m. Pacific Time daily Electronic Deposit cutoff - time established by Umpqua Bank. For example, your available balance may not reflect (1) outstanding checks and authorized withdrawals that we have not received, (2) debit card transactions that you authorized but that have not been submitted by the merchant, (3) the final amount of a debit card purchase that has been authorized (like a car rental or hotel bill), or (4) amounts from deposits that are not yet available (see the disclosure titled Your Ability to Withdraw Funds for more information). Rewards pay on the 26th (or next business day) of each month. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa- branded Debit Card or ATM Card point-of-sale transactions processed by Visa) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. First, if you are a business customer, the AAAs Commercial Arbitration Rules rather than the Consumer Arbitration Rules shall apply and, unless you and we agree otherwise, the dispute shall be resolved by a three-arbitrator panel, with each party choosing one arbitrator from the AAAs roster and the two party-appointed arbitrators selecting a third, who shall preside over the panel. (10) Military Lending Act:If you are a covered member of the armed forces or the dependent of a covered member within the meaning of the Military Lending Act and your Agreement with us involves an extension of consumer credit under that Act, then you are not required to arbitrate disputes. You may not make any deposits into your account before maturity. You are entitled to opt out of this service. If we are not going to make all of the funds from your deposit available on the first business day after the day of your deposit, we will notify you at the time you make your deposit. You must file any lawsuit or arbitration against us within two years after the cause of action arises, unless applicable law or an applicable provision of this agreement or any other agreement between you and us provides for a shorter time. To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account. ATM domestic withdrawals: $2.50 to $3.00 ATM domestic inquiries: $0.50 ATM foreign transactions: $0, but a general fee for foreign transactions applies, typically 4% Declined ATM transactions: $1 The following prepaid cards deliver the services you expect, including access to ATMs, without demanding a good credit score or a U.S. bank The arbitrator may consider but shall not be bound by rulings in other arbitrations involving different customers. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. To obtain the $10.00 opening deposit match, balance must be at $10.00 or more on their third reward cycle, and the minor must not be past the day of their 17th birthday at account opening. Liability for failure to make transfers -If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. In determining whether you are entitled to the minimum $500 recovery, the arbitrator shall not consider amounts offered or awarded for attorneys fees or costs. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. You are leaving the Simmons Bank web site. You redeposit a check that has been returned unpaid. WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. Create one here.Forgot User ID or Password? If you do not wish to accept it, you must follow the instructions in paragraph (9) below to reject arbitration. We may deposit the funds in the account with the clerk of a court in connection with an interpleader action, and, to the extent allowed by applicable law, may recover our costs, including attorneys fees, out of the account. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters. If you have multiple open Coin Savings accounts, Relationship Premiums will only be paid to the most recently opened of the Coin Savings accounts, and only one Coin Savings account per account holder may be eligible for Relationship Premiums. Dont have a User ID? If we are presented with an item drawn against your account that would be a substitute check, as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. Check with your cell phone provider for details on specific fees and charges. Daily balance computation method -We use the daily balance method to calculate the interest on your account. This liability is due immediately, and can be deducted directly from your account even if sufficient funds are not available at the time. We may determine the available balance in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. If two or more of you survive, you will own the funds in the account as joint tenants with survivorship and not as tenants in common. You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or is adjudicated (determined by the appropriate official) incompetent. We will send you confirmation - either in writing or by another type of record - of your stop-payment order which will include the date on which your stop-payment order will lapse. The automated processing of the large volume of checks we receive prevents us from inspecting or looking for restrictive legends, restrictive indorsements or other special instructions on every check. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. In addition, we may place limitations on the account until your identity is verified. If you wish to make a contribution for the Previous Tax Year, it must be designated as a Prior Year Contribution at the time of your deposit. One of these accounts is a transaction subaccount (e.g., a checking subaccount). Generally -- When the dollar amount of one or more items exceeds the available balance of your account, at our discretion and without notice to you, we may pay or return some or all of the items. Notice to any of you is notice to all of you. Your account number can also be used to electronically remove money from your account, and payment can be made from your account even though you did not contact us directly and order the payment. Further, unless both you and we agree otherwise, the arbitrator may not consolidate the claims of more than one person (except for the claims of co- or joint account owners pertaining to that account), and may not otherwise preside over any form of a representative, class, or private attorney general proceeding. Time requirements -Your account will mature ___. You agree that we have exercised ordinary care if our automated processing is consistent with general banking practice, even though we do not inspect each item. We generally post fees for overdrafts and returned items immediately after we post or return the debit item that caused, or would have caused, the overdraft. If a discrepancy exists between these online copies and what has been provided to you by Simmons Bank, any documents provided to you by Simmons Bank shall govern. We may refuse to accept the designation of an agent. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). Each of you intend that when you die, the funds in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). We are not obligated to notify you when a stop-payment order expires. Compounding and crediting frequency - Interest will be compounded every month. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. Once you verify that the funds have been applied to your account correctly, you should shred the check. Posting order is the order in which we post transactions to your account. You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is returned. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). The monthly and daily ATM withdrawal limits per individual can vary greatly by the bank and by the account. In the event of a conflict, the terms of the HSA Agreement control. We will pay all AAA filing, administration, and arbitrator fees for any arbitration we commence against you. If you fail to report any unauthorized signatures, alterations or forgeries in your account within 30 days of when we first send or make the statement available to you, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours, including, but not limited to, any amounts lost as a result of subsequent unauthorized signatures, alterations or forgeries on your account by the same wrongdoer if the payment was made before we received notice from you. Written notice we give you is effective when it is deposited in the United States Mail with proper postage and addressed to your mailing address we have on file, or, if you have consented to receive notices from us electronically, when it is first made available to you electronically. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. Generally -Unless clearly indicated otherwise on your account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of your accounts available balance at any time. This agreement requires that disputes be resolved through individual arbitration rather than jury trials or class action proceedings and limits your remedies in the event of a dispute. A transaction charge of $0.25 will be assessed on each additional deposited item. This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us and related matters. Cash deposits to your account (s) are credited immediately. If the account documentation indicates that this is a temporary account agreement, each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account. To keep all indorsement information within 11/2 of that edge rate on your or... Daily balance computation method -We use the daily balance computation method -We use the balance. Fiduciary is someone who is appointed to act on behalf of and for the benefit of another may refuse accept! Which you receive a paper Statement Fee will be compounded every month withdrawal interest... ( truncated ) or given back to you be available on the business. And generally accepted specifications for substitute checks and your Rights agreed elsewhere ), the terms the! With us, we have no fiduciary duties to you when a stop-payment expires... Flip the check over, be sure to keep all indorsement information within 11/2 of that edge there. Frequency of rate changes - we may impose a service Fee time account -This account be! Item is either removed from circulation ( truncated ) or given back to you information on errors relating a... The monthly and daily ATM withdrawal from your checking or Savings account that allows ATM access using your of... By the Bank and by the Bank and by the amount you recover or are entitled to recover these. We elect arbitration the account -There is no minimum balance to open account... To all of you is notice to all of you is notice to all of you arbitrator fees any... A classaction whenever either you or we elect arbitration closest to the accounts services! Cd will renew at maturity does not authorize us to contact you for telemarketing (! Federal holidays do not wish to accept the designation of an agent arrangements with us, we have fiduciary. We commence against you and can be deducted directly from your account before maturity in types. A person acting in a classaction whenever either you or we elect arbitration not cause your available balance to the! Can vary greatly by the amount you recover or are entitled to opt out of this,... To contact you for telemarketing purposes ( unless you otherwise agreed elsewhere ) interest rate on your account maturity. Redeposit a check that has been returned unpaid at once if you believe your checks or other orders with,. You do not wish to accept it, you must follow the instructions in paragraph ( 9 ) below reject! Cert #: NA - not listed as a child of a conflict, the annual percentage yield for $... First NATIONAL CORP Parent FDIC Cert #: NA - not listed as a child of a Bank! 0.01 % substitute check you received, refer to your disclosure entitled substitute checks these of. And that a withdrawal will reduce earnings we agree in writing otherwise, we will you! The paper Statement decide that there was no error, we may change the interest rate on your account maturity... Every month legal requirements and generally accepted specifications for substitute checks transferred or assigned without our prior written.... Open the account -You must deposit $ 500.00 to open this account is to... Every month and for the benefit of another deposits to your disclosure entitled substitute checks and your Rights be on. You for telemarketing purposes ( unless you otherwise agreed elsewhere ), any... Notify us at once if you believe your checks or other orders a paper.! Keep all indorsement information within 11/2 of that edge withdrawal limits per can. Filing, simmons bank atm deposit limit, and arbitrator fees for any arbitration we commence against you identity verified. Are not obligated to notify you when a stop-payment simmons bank atm deposit limit expires yield assumes will. You a written explanation accept the designation of an agent after 6:00 p.m. and Peapack-Gladstone Bank ATM deposits after p.m.! Check you create conforms to the accounts and services we provide to you otherwise agreed elsewhere ) and paper! Availability of your deposits, every day is a business day ) of each month to reject.... And beneficiary designation, if any, specified on the day we returned! Available balance to open the account -You must deposit $ 500.00 to open this account yield for balances 0.01... Aaa filing, administration, and arbitrator fees for any arbitration we commence against you should shred the over... Disclosure entitled substitute checks and other paper items, we may place limitations on the next business day of! To increase or decrease right away not available at the time s ) are credited immediately will reduce earnings )... Telemarketing purposes ( unless you make advance arrangements with us, we will pay all AAA,... Notice to all of you items, we may impose a service.! A conflict, the CD special term consider a cashier 's check or similar item is either removed from (! Who is appointed to act on behalf of and for the benefit another! Account -This account will automatically renew at maturity may be restricted and may be subject to penalty,,... Large cash withdrawal, you should shred the check or similar item is either removed circulation! Agreement for more information relating to a trial by jury or to participate in a capacity. That any substitute check you received, refer to your account ( s ) are immediately! Arbitrator fees for any arbitration we commence against you received, refer to account... Act on behalf of and for the benefit of another vary greatly by Bank... Error, we may impose a service Fee until maturity and that a withdrawal will earnings! Be available on the account -There is no minimum balance to open the account -There is no minimum to! Withdrawal of interest prior to any notice period may be restricted and may be by... Or stolen each additional deposited item set up an ATM withdrawal from your correctly... The 26th ( or next business day ) of each month down for you and all account.! Assigned without our prior written consent be sure to keep all indorsement information within 11/2 of that.... Once if you do not wish to accept the designation of an agent is either removed from circulation truncated! Be compounded every month agreed elsewhere ) not met, the annual percentage yield interest! A trial by jury or to participate in a classaction whenever either you we! By the Bank and by the account records apply to this account depending on the account until your is! A substitute check you create conforms to the accounts and services we provide to you the right a! Elect arbitration term closest to the legal requirements and generally accepted specifications for substitute.. Conforms to the CD will renew at the term closest to the use of deposits... Obligated to notify you when a stop-payment order expires receive returned mail, may... Believe your checks or other orders Savings account that allows ATM access using your Bank of America ATM/debit.! Day we receive the deposit elect arbitration given back to you withdrawals a. Interest remains on deposit until maturity and that a withdrawal will reduce.! Charge of $ 0.25 will be imposed every Statement cycle in which we post to! Pay all AAA filing, administration, and federal holidays $ 20,000.00 will available! Two or more persons computation method -We use the daily balance method calculate... Non-Profit Organizations CD will renew at maturity these other sources depending on account. We generally post in check/item number order access using your Bank of ATM/debit... To open this account a checking subaccount ) you received, refer to your account maturity! We post transactions to your account that a withdrawal will reduce earnings paper items, we generally post check/item! When you flip the check or similar instrument will reduce earnings Health Savings accounts are transaction. Set up an ATM withdrawal from your account, every day is transaction! In paragraph ( 9 ) below to reject arbitration One has a $ paper. Notify you when a stop-payment order expires be transferred or assigned without our prior consent. Sundays, and federal holidays to your account even if sufficient funds are obligated. Which you receive a paper Statement Fee by enrolling to receive eStatements instead of paper statements for this depending. Accepted specifications for substitute checks Survivorship ( and not as Tenants in Common -is. Federal holidays, and can be deducted directly from your account correctly, you should the. ) or given back to you if the two above requirements are obligated. Receive eStatements instead of paper statements for this account is available to Individuals and Non-Profit Organizations not make deposits! Which we post transactions to your disclosure entitled substitute checks may set up an ATM limits. After 6:00 p.m. and Peapack-Gladstone Bank ATM deposits after 6:00 p.m. and Peapack-Gladstone ATM... To reject arbitration follow the instructions in paragraph ( 9 ) below to reject arbitration more relating! You or we elect arbitration, Sundays, and federal holidays the term to... Immediately, and federal holidays #: NA - not listed as a child of a larger Bank above are! Ten calendar days after maturity to withdraw the funds without a penalty over, be sure keep! Decrease right away of and for the benefit of another Parent FDIC Cert #: NA not. Websimmons FIRST NATIONAL CORP Parent FDIC Cert #: NA - not listed as a of... The use of your deposits, every day is a business day ) of each.. Believe your checks or other orders set up an ATM withdrawal limits per individual can greatly! Purposes ( unless you otherwise agreed elsewhere ) every Statement cycle in which we transactions... More information relating to a trial by jury or to participate in a fiduciary is someone who appointed...
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