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. This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. They can also file voluntarily file reports for suspicious deposits that are less than $10,000. Subject to normal approval procedures, we may allow you to deposit additional funds to your account in order to increase your credit limit for your Foundation Card. 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. Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. You deposit checks totaling more than $5,525 on any one day. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. WebYour limit will be displayed to you within the Chime mobile app. It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information. Webass anal stretching. 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. Accrual of interest on noncashdeposits -Interest begins to accrue no later than the business day we receive credit for the deposit of noncashitems (for example, checks). You will be paid this rate until first maturity. Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. You are entitled to opt out of this service. 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. If you meet the above Relationship B requirements in the calendar month preceding the last day of your statement cycle, you will qualify for Relationship Premium B on your most recently opened Coin Savings account for that statement cycle and receive the Base Rate plus an additional 50 basis points (.50%) in interest on any daily balance amount up to and including $10,000.00. Web 2023 Simmons Bank Privacy policy Member FDIC Equal Housing Lender Web*ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, 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. Unless you and we agree otherwise, any arbitration hearings will take place in the county of your address on file with your account. 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. 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. You may stop payment on any item drawn on your account whether you sign the item or not. Any Electronic Deposit received by Umpqua Bank after its 6:00 p.m. Pacific 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. If there are any discrepancies between the amounts shown on the itemized list of the deposit and the amount we determine to be the actual deposit, we will notify you of the discrepancy. You are leaving the Simmons Bank web site. 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. 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. 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. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may ignore instructions (such as an instruction by one account holder or authorized signer not to honor items or other withdrawal orders by another account holder or authorized signer) for the account unless all account holders or authorized signers agree to the instruction. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency. Most often, ATM cash withdrawal limits range from $300 to $1,000 per day. Errors relating to electronic fund transfers or substitute checksThis paragraph applies to consumer accounts only. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. 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. SAIF Insured: No State Chartered: Yes Financial Snapshot (updated periodically) Assets: $27023423 Deposits: $22244461 Deposits Held Domestically: $22244461 Equity Capital: $3361781 Net Income: $198117 FDIC Oversight FDIC Region: These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. 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. (9) Right to Reject Arbitration Provision:If you do not wish to arbitrate, you have 30 days to reject this arbitration provision by sending a rejection notice to the Notice Address above by certified mail (Rejection Notice). Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by You agree that we may pay or certify checks drawn on or before the date of death or adjudication of incompetence for up to ten (10) days after your death or adjudication of incompetence unless ordered to stop payment by someone claiming an interest in the account. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. Your authorization to the third party to make these transfers can occur in a number of ways. At our option, we may take an item for collection rather than for deposit. A withdrawal will reduce earnings. You agree to cooperate with us in any legal actions that we may take against such persons. We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn on us). If you are a new customer, the following special rules will apply during the first 30 days your account is open. Multiple requests for payment --If we return an item, the party that presented the item for payment might have the right to make a second or subsequent request for payment. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. After the hold has been reduced or removed, you may make deposits into or withdrawals from your account subject to any remaining hold amount. Your consent does not authorize us to contact you for telemarketing purposes (unless you otherwise agreed elsewhere). Minimum balance to open the account -You must deposit $100.00 to open this account. We do not monitor the purpose of any transaction to or from your HSA. For more details on our posting process, see the section below under the heading Posting Order. All fees for overdrafts and returned items will reduce your available balance and, if your available balance is negative, will reduce your available overdraft limit (if any). 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. You will be entitled to credit only for the actual deposit as determined by us, regardless of what is stated on the itemized deposit slip. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. 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). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. Positive pay and other fraud prevention services -Except for consumer electronic fund transfers subject to Regulation E, you agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered. Any remaining balances in your Coin Savings account will be paid the Base Rate. Early withdrawal penalties(a penalty will be imposed for withdrawals before maturity): In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Unless we agree in writing otherwise, we have no fiduciary duties to you related to the accounts and services we provide to you. If you prevent renewal, interest will not accrue after final maturity. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. A Dormant Account Fee of $10.00 per month will be imposed if there is no customer-initiated activity on the account for more than 730 days. Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. Making sure you have all the support you need, for life. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. 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. 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. This consent is regardless of whether the number we use to contact you is assigned to a landline, a paging service, a cellular wireless service, a specialized mobile radio service, other radio common carrier service or any other service for which you may be charged for the call. This section applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits or money market accounts. However, electronically moving funds to or from your HSA for example, depositing more than the allowable amount, or getting additional cash back on an HSA debit card transaction can raise a variety of tax concerns. Who do I call if I still have questions? SIMMONS BANK501 SOUTH MAINPINE BLUFF, AR 71601Business Days: Monday through FridayExcluding Federal HolidaysPhone: (866) 246-2400For Problem Resolution:Visa call 870-541-1240 or 800-272-2102Simmons Bank Visa Debit Cardor Simmons Bank ATM Cardcall 870-850-2570 or 866-795-9410or write:Simmons BankP.O. Seal the Envelope. imomushi8 6 yr. ago Make more moments possible-get the account that's ready for what's next. You will have ten calendar days after maturity to withdraw the funds without a penalty. By rejecting that future change, you are agreeing that you will arbitrate any dispute or claim between you and us in accordance with the language of this provision, as amended by any changes that you did not timely reject. There is no Monthly Service Charge on this account. If your account has an original maturity of less than one year: The fee imposed will equal 180 days interest on the amount withdrawn. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. If we receive returned mail, we may impose a service fee. 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. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the fee, charge, or overdraft. 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. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. 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. Transaction limitations -Transactions presented against your account that involve a check (including written checks, check by phone or third-party authorizations that come through as a check) will not be honored regardless of the available balance. If you do not wish to agree to arbitration, please refer to the section entitled Dispute Resolution by Binding Arbitration for instructions on how to reject arbitration. Create one here.Forgot User ID or Password? We will not be liable if we do not follow your instructions if we reasonably believe that following your instructions would expose us to potential loss or civil or criminal liability or conflict with customary banking practice. We are not responsible for the actions of a fiduciary, including the misuse of funds. We may accept an order to stop payment on any item from any one of you. 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). You may safely keep up to $250,000 in an individual account or $500,000 in a joint bank account. The minimum deposit is based on the credit limit of your associated Foundation Card, which will be disclosed on your Foundation Card mailer. Such services include positive pay or commercially reasonable security procedures. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. 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. Funds from deposits of cash, wire transfers, and the first $5,525 of a days total deposits of cashiers, certified, tellers, travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. Tell us your name and account number (if any). In order to qualify for Relationship Premium B on your Coin Savings account for a particular statement cycle, you must (i) have at least one linked Coin Checking account (to be linked, a Coin Checking account must have the same primary account holder as the Coin Savings account), (ii) meet the requirements for Relationship Premium A described above, and (iii) have a combined minimum of $500.00 in ACH transactions deposited into your linked Coin Checking account(s) during the calendar month preceding the last day of your statement cycle. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. It often takes a couple of days for the check to clear and for you to Dormant Account Fees do not apply to accounts owned by Texas residents and only apply to accounts when the daily balance falls below $2,500.00 any day of the statement cycle. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. The owner may terminate the agency at any time, and the agency is automatically terminated by the death of the owner. This site is directed at, and intended to be used by, persons in the United States of America only. Please note, accrued interest is not credited until it equals at least $0.01. In such cases, we will notify you, and we will tell you when the funds will be available. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the correct access device (such as a card) or accessing the appropriate account for the transaction. 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. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. 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. If your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. If you have any questions, please call us. 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. This method applies a daily periodic rate to the principal in the account each day. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. A freeze or hold placed on your account may be for any period of time we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. 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. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. We reserve the right to review, and decline, at our discretion and to the extent allowed by applicable law, any power of attorney. Crediting frequency -Interest will be credited to your account every quarter. 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. By opening and maintaining your account with us, you consent to our asserting our security interest in your account, to the extent any applicable laws require your consent. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document. You further authorize us, any third-party collection service collecting a debt arising from your account, or any other third-party service provider to contact you through the use of voice, voice mail and text messaging, including the use of pre-recorded or artificial voice messages and an automated dialing device. Online copies of our terms and conditions are provided only as a courtesy and convenience to you. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. You redeposit a check that has been returned unpaid. 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. We will determine whether an error occurred within 10 business days (5 business days for Visa-branded Debit Card or ATM Card point-of-sale transactions processed by Visa) after we hear from you and will correct any error promptly. The purpose of this document is to: If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. 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