Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. (6) Requirement of Individual Arbitration:The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that partys individual claim. You should sign the back of your check and write "For mobile deposit at Simmons Bank only" below your signature. Please click here to change/reset your username or password. In place of a signature, the check usually has a statement that the owner authorized the check or has the owners name typed or printed on the signature line. If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Except where limited by applicable law, any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys fees and our internal expenses), except for an action you commence against us, may be charged against your account. WebTo get started, log into online banking and follow these steps: Select My Accounts at the top of the page, then select the account you'd like to view your limit for. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. 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. You may make unlimited deposits into your account. For this reason, we are not required to honor any restrictive legend or indorsement or other special instruction placed on checks you write unless we have agreed in writing to the restriction or instruction. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. A participating merchant can access that updated card information before requesting a payment. imomushi8 6 yr. ago Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Limitations on the number of telephonic transfers from a savings account, if any, are described elsewhere. Minimum balance to open the account -You must deposit $100,000.00 to open this account. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. If we receive returned mail, we may impose a service fee. (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. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. 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. Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone or Android. The following rules do not apply to a transaction or claim related to a consumer electronic fund transfer governed by Regulation E. The error resolution procedures for consumer electronic fund transfers can be found in our initial Regulation E disclosure titled, Electronic Fund Transfers. For other transactions or claims, if you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. Reflector Series Online copies of our terms and conditions are provided only as a courtesy and convenience to you. You are leaving the Simmons Bank web site. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. 30-day limit (i.e., dollar amount per 30 days). We may refuse to accept the designation of an agent. You may stop payment on any item drawn on your account whether you sign the item or not. Please refer to our separate rate sheet for current interest rate and annual percentage yield information for our interest-bearing accounts and to our separate Schedule of Fees and Charges for additional information about fees and charges that apply to the accounts described above. Types of ATM Card Point-of-Sale Transactions -You may access your checking account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution or do anything that a particular merchant will accept. 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. To process the deposit, we will verify and record the deposit, and credit the deposit to the account. This agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. WebSimmons Bank is FDIC insured. must fall within 11/2 of the trailing edge of a check. This site is directed at, and intended to be used by, persons in the United States of America only. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement. Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action. If we need more time, however, we may take up to 45 days to investigate your complaint or question. You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. 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. Errors relating to electronic fund transfers or substitute checksThis paragraph applies to consumer accounts only. Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks). See your notice of penalty for early withdrawal. We believe a check you deposit will not be paid. Refer to your HSA Agreement for more information relating to the use of your HSA. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. How do you withdraw money without a debit card? Examples of these transfers include, but are not limited to: Telephone Transfers - types of transfers -You may access your account by telephone (870) 541-1234 or (877) 245-1234 using your personal identification number (PIN), a touch tone phone and your account numbers, to: ATM Card ATM Transfers - types of transfers and dollar limitations -You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to: Some of these services may not be available at all terminals. You will not be responsible for such transactions if we acted in bad faith or to the extent our negligence contributed to the loss. If your account has an original maturity of one year or more: The fee imposed will equal 360 days interest on the amount withdrawn. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. As used in this document the words we, our, and us mean the financial institution (Simmons Bank), and the words you and your mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. Making sure you have all the support you need, for life. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. However, the first $225 of your deposits will be available on the first business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. In that case, we will reverse the credit of the item. The Notice to you will be sent to your address on file with your account. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. This account IS NOT available to Business or Commercial customers. You should keep this notice for future reference. If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. Account Movement However, this agreement does not intend, and the terms you and your should not be interpreted, to expand an individuals responsibility for an organizations liability. You will have ten calendar days after maturity to withdraw the funds without a penalty. WebATMs ATMs 32,000 ATMs Nationwide Being a BOK Financial client means you get FREE access to more than 32,000 ATMs across the country! In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. A dispute or claim includes, but is not limited to, (1) others claiming an interest as survivors or beneficiaries of your account; (2) a claim arising by operation of law; (3) a dispute between you and another joint owner, you and an authorized signer or similar party; (4) a third party claiming an interest in your account; or (5) any other claim adverse to your own interest. If the two above requirements are NOT met, the Annual Percentage Yield for balances $0.01 to $20,000.00 will be 0.01%. If we have notified you of a change in any term of your account (including, for the avoidance of doubt, a change to this agreement) and you continue to have your account after the effective date of the change, you have agreed to the new term(s). 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. An atm is a terminal located on the placements of financial institutions or elsewhere, through which customers may make withdrawals, deposits or We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date of the check, amount, check number and payee. An account number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like and functions like an authorized check. Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Residential LED Lighting. The Save10 Youth Savings account will convert to a Simply Savings account when the primary owner turns 18. Each such payment will constitute an additional overdraft. Funds from all other check deposits will be available on the fifth business day after the day of your deposit. We will treat and record all transactions received after our daily cutoff time on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. Within the debit and credit categories, we further generally subcategorize and post transactions by category/subcategory. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. The most recent version of the Simmons Bank Mobile App for iPhone or Android. The owner is responsible for all transactions of the agent. The amount you can withdraw from an ATM depends on the financial institution you bank with. If we accept a power of attorney, the agent(s) may make account transactions on behalf of the account owners. This site is directed at, and intended to be used by, persons in the United States of America only. Customer- initiated activity includes (A) a communication between the bank and the customer in which (i) the customer requests the account status be changed to active and (ii) the customers identity is authenticated by the bank, (B) deposits to the account, or (C) withdrawals from the account, but does not include the payment of interest or the assessment of fees and charges by the bank. Electronic direct deposits will be available on the day we receive the deposit. Our forbearance from, or delay in, exercising any of our rights, remedies, or privileges under this agreement or applicable law shall not be construed to be a waiver of those rights, remedies, or privileges. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. Dont have a User ID? You may make withdrawals of principal from your account before maturity. This method applies a daily periodic rate to the principal in the account each day. Your consent is limited to your account, and as authorized by applicable law and regulations. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. Yes. In such cases, we will notify you, and we will tell you when the funds will be available. UPLOAD OF ELECTRONIC DEPOSIT TO UMPQUA BANK . Accounts not funded within 45 days of opening will be closed. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. Posting order is the order in which we post transactions to your account. WebHome; Products. WebSimmons Bank ATMs. Additional information about stopping a pre-authorized payment can be found by referring to your Electronic Fund Transfers disclosure and the subsection titled Right to Stop Payment and Procedure for Doing So in the section titled Preauthorized Payments". You understand that your HSA is intended to be used for payment of qualified medical expenses. You can also ask us if we have other account services that might be available to you where we agree to pay overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us. 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. We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. 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. For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $100,000.00 in the account each day to obtain the disclosed annual percentage yield. The owner does not give up any rights to act on the account. Also, we may report to consumer reporting agencies your overdrafts and your failure to repay them, and we may commence collection activities (in addition to any other legal remedy we may have). For the purpose of charging these fees, our determination of whether your available balance is sufficient to pay an item is made when the item is processed and posted to your account. Who do I call if I still have questions? Web30-day limit (i.e., dollar amount per 30 days). The minimum deposit is based on the credit limit of your associated Foundation Card, which will be disclosed on your Foundation Card mailer. 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. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys fees incurred by you. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.For errors involving new accounts, point-of-sale, or foreign transactions, we may take up to 90 days to investigate your complaint or question. Available balance -The term available balance means the amount of money in your account that you can use, withdraw, or transfer. For every $1 spent, you receive rewards that you can put back into your business. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Health Savings Account (Minimum age to open this account is 18) 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. If we become aware of a dispute or claim related to your account, we may, in our sole discretion, freeze your account, place a hold on your account (refuse payment or withdrawal of the funds), or take any other actions described in this section. You can withdraw interest only on the crediting dates. The interest rate for your account is ___% with an annual percentage yield of ___%. Again, this is determined by the bank or credit unionthere is no standard daily ATM We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The interest rate and annual percentage yield described below in the Your Account section reflect the base interest rate (Base Rate) in effect as of the date this disclosure is provided to you, and do not reflect any potential increases in the interest amount as a result of Relationship Premiums. 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. 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. This means you may use your Visa-branded Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. Overdraft fees will not be assessed in the event of an overdraft of the account. The person(s) creating this account type reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. 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). The electronic fund transfers we permit are offered for the convenience of managing your HSA. Dont have a User ID? Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. The report card benefit will be paid at the close of the calendar school year and proof of grades should be submitted within 30 days of end-of-year (May/June) report card. They can also file voluntarily file reports for suspicious deposits that are less than $10,000. Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. You represent that you have the authority to open and conduct business on this account on behalf of the entity. 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. 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. Get the buying power you need with the rewards you want. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. We may rely on the number even if it identifies a financial institution, person or account other than the one named. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. Additional Information -- More information about overdraft services and fees for overdrafts and returned items can be found in our Overdraft Privilege Disclosure, the disclosure titled What you Need to Know about Overdrafts and Overdraft Fees, and our Schedule of Fees and Charges. Informing us of your address or name change on a check reorder form is not sufficient. You can also see the status of your deposit in our app. Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. (7) Future Changes to Arbitration Provision:Notwithstanding any provision in this Agreement to the contrary, you and we agree that if we make any future change to this arbitration provision (other than a change to the Notice Address), you may reject that change by sending us written notice within 30 days of the change to the Notice Address provided above. 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 Most often, ATM cash withdrawal limits range from $300 to $1,000 per day. When you are closing your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Your account consists of two subaccounts. Duty to protect account information and methods of access -It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). It often takes a couple of days for the check to clear and for you to 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. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. We are not responsible for transactions by mail or outside depository until we actually record them. If you do not wish to accept it, you must follow the instructions in paragraph (9) below to reject arbitration. Notice to any of you is notice to all of you. 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. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. In addition, we may place limitations on the account until your identity is verified. Making sure you have all the support you need, for life. If you are a new customer, the following special rules will apply during the first 30 days your account is open. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. The fee is the lesser of $35 or the annual interest earnings on the account. All costs and attorneys fees can be deducted from your account when they are incurred, without notice to you. Your duty to report other errors or problems -In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error or problem - such as an encoding error, an unexpected deposit amount, or an improper fee or charge. This arbitration agreement does not preclude you or us from bringing issues to the attention of federal, state, or local agencies. To penalty from circulation ( truncated ) or given back to you will be available on the.... Be responsible for all transactions of the deposit to the CD will renew at the time funds from other. Use of your address on file with your account is not sufficient recent version the! 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