Go digital with our top-rated mobile app. 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. We may also require reasonable identification to cash such a check, draft or other instrument. They will generally be available no later than the seventh business day after the day of your deposit. Your consent does not authorize us to contact you for telemarketing purposes (unless you otherwise agreed elsewhere). Unless you timely reject arbitration, this arbitration provision is binding on you and us. See your notice of penalty for early withdrawal. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. *Visa Rules generally definePIN-Debit Networkas a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. Items presented for payment after the account is closed may be dishonored, and we have no liability for such dishonor. You will have ten calendar days after maturity to withdraw the funds without a penalty. If you have any difficulties, please email support@simmonsbank.com or call us at 1-866-246-2400. as explained in the separate Privacy Disclosure. The owner is responsible for all transactions of the agent. (Generally, a record is information that is stored in such a way that it can be retrieved and can be heard or read and understood). You are responsible for notifying us of any change in your address or your name. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. 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. When we transition from one business day to the next business day, we post transactions to your account during our nightly processing for each business day. We may do these things even if the legal action involves less than all of you. WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. To obtain the report card benefit, customers must provide proof of grades in the branch via sealed or stamped report, for up to $10.00 in total reward value. 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). (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). Please refer to Internal Revenue Service (IRS) guidelines regarding any eligibility requirements for deposits to Health Savings Accounts. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. After the hold has been reduced or removed, you may make deposits into or withdrawals from your account subject to any remaining hold amount. This section applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits or money market accounts. You must notify us at once if you suspect that your facsimile signature is being or has been misused. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Electronic Fund Transfers Initiated By Third Parties -You may authorize a third party to initiate electronic fund transfers between your account and the third partys 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. Whenever the words, include, includes, or including are used in this agreement, they shall be deemed followed by the phrase without limitation (except to the extent such phrase, or a phrase of substantially similar meaning, is already expressly stated). We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. 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. 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 If, however, the arbitrator finds that either the substance of your claim or the relief you seek is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by the AAA Rules. 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. Within each category of electronic debit transactions, we generally post transactions based on the dollar amount, from lowest to highest. (2) Claims Not Subject to Arbitration:You and we agree that the following disputes or claims cannot be arbitrated: These exclusions from arbitration are intended to be interpreted narrowly. For example, if you deposit a check and it is returned unpaid or we receive a notice of nonpayment, we do not have to notify you unless required by federal Regulation CC or other law. This agreement is subject to applicable federal laws, the laws of the state of Arkansas and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). Notice of Changes to Funds Availability Policy. Minimum balance to open the account -You must deposit $100.00 to open this account. 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. 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). Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. Checks and withdrawal rules -If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase. If you are unable to pay this fee, we will pay it directly upon receiving a written request at the Notice Address.) When you flip the check over, be sure to keep all indorsement information within 11/2 of that edge. Unless you and we agree otherwise, any arbitration hearings will take place in the county of your address on file with your account. 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. 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. You can also see the status of your deposit in our app. You understand that your HSA is intended to be used for payment of qualified medical expenses. Residential LED Lighting. An item may be returned after the funds from the deposit of that item are made available for withdrawal. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. You may not grant a security interest in your account to anyone other than us without our prior written consent. If two or more of you create such an account, all of you own the account jointly with survivorship. 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 can withdraw interest only on the crediting dates. UPLOAD OF ELECTRONIC DEPOSIT TO UMPQUA BANK . Generally, Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. No. Compounding and crediting frequency -Interest will be compounded every quarter. It includes, but is not limited to: In this arbitration provision only, references to we, us, and our mean the financial institution and its parents, subsidiaries, affiliates, predecessors, successors, and assigns, as well as each of those entities agents and employees. We may impose early withdrawal penalties on a withdrawal from a time account even if you dont initiate the withdrawal. Please click here to change/reset your username or password. In the event of a conflict, the terms of the HSA Agreement control. Fifty (50) foreign deposited items and fifty (50) on us deposited items may be made at no charge in each monthly statement cycle. If you deliver a deposit to us and you will not be present when the deposit is counted, you must provide us an itemized list of the deposit (deposit slip). The amount you can withdraw from an ATM depends on the financial institution you bank with. If you want to opt out, phone us at 1-866-246-2400, email us at debit.operations@simmonsbank.com, notify us through our website at https://simmonsbank.com/contact, or mail us notice of your intention to opt out at Simmons Bank, Debit Operations, P.O. Any certificate of deposit terms and disclosures provided by us to you separately are intended to supplement the terms of this agreement. Rate information - Your interest rate and annual percentage yield may change. Accounts not funded within 45 days of account opening will be closed. The fee is the lesser of $35 or the annual interest earnings on the account. Dont have a User ID? Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Using an automated process helps us keep costs down for you and all account holders. We may close this account at any time without prior notice to you. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. If you have an overdraft line and the transfer would go over the credit limit. 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. In addition, if you receive or we make available either your items or images of your items, you must examine them for any unauthorized or missing indorsements or any other problems. Any disputes as to recovery of the $500 minimum recovery shall be resolved by the arbitrator, and must be raised within 14 days of the arbitrators ruling on the merits. 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. Safeguard exceptions -In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. You grant us a right of setoffto, and a security interest in, your account to ensure you pay us all amounts you owe us under this agreement or other debts you owe us (now or in the future). If there is a cross-appeal, the costs shall be borne equally by both sides, subject to reallocation by the panel in its final award as justice or otherwise applicable law requires. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. 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. 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. 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) We will tell you the results within three business days after completing our investigation. The Notice to us should be sent by certified mail to: Legal Department, Simmons Bank, P.O Box 7009, Pine Bluff, Arkansas 71611-7009 (Notice Address). must fall within 11/2 of the trailing edge of a check. 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. This account is available to Individuals. Check with your cell phone provider for details on specific fees and charges. 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. If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed legal action in this section), we will comply with that legal action. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. 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, WebRemove your cash and debit card from the ATM and store it away safely. Accounts will pay the conversion bonus 180 days post-conversion. Except as indicated elsewhere, we do not charge for these electronic fund transfers. Transaction limitations:You may only make in-person deposits into and withdrawals from your account subject to a hold as provided in the Security Agreement and Credit Card Agreement for your Foundation Card. There are no Monthly Service Charge, Balance Requirements or Maintenance Accounts not funded within 45 days of opening will be closed. 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. We will not be liable, for instance: We will disclose information to third parties about your account or the transfers you make: (b) Contact in event of unauthorized transfer -If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. This means you may use your Visa-branded Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. If, through no fault of ours, you do not have enough money in your account to make the transfer. 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. 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. Any cash transactions are combined and treated as a single transaction, and those transactions count toward the $10,000 limit. Interest will be credited to your account every month. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. You may ask for copies of the documents that we used in our investigation. 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. 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. 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. We may rely on the number even if it identifies a financial institution, person or account other than the one named. The Simmons Wealth Management Online Portal makes it easy to access information, documents and more, from your desktop or mobile device. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. 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. This account IS NOT available to Business, Commercial or Organization customers. 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. make payments from checking or savings to loan accounts with us, the balance of checking or savings account(s), get credit card information at (870) 541-1240 or (800) 272-2102, Voice Response Transfers are limited to primary ownership account(s), make deposits to checking or savings account(s) with an ATM or debit card, get cash withdrawals from checking or savings account(s) with an ATM or debit card, you may withdraw no more than $500.00 per calendar day, transfer funds from savings to checking account(s) with an ATM or debit card, transfer funds from checking to savings account(s) with an ATM or debit card, the balance of your checking or savings account(s), obtain cash advances from your credit cards, you may not exceed $10,000.00 in transactions per calendar day, if available, make payments from checking or savings to loan account(s) with us, the balance of checking or savings account(s). Any remaining balances in your Coin Savings account will be paid the Base Rate. Maximum requests you can make per 30 days. If the two above requirements are NOT met, the Annual Percentage Yield for balances $0.01 to $20,000.00 will be 0.01%. You give us this authority regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. We may allow account owners to designate an agent on their account using a power of attorney. 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. For example, the checks must be payable to you (and you may have to use a special deposit slip). 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. Penalties on a PIN-Debit Network * ( a non-Visa Network ) without using power. Would not be identified by a reasonable inspection of the documents that we in. Those transactions count toward the $ 10,000 monthly limit limit for mobile/ATM check deposits and a $ Paper... The trailing edge of a conflict, the terms of this Agreement by check... Electronic fund transfers trailing edge of a conflict, the annual percentage yield may change Bank with $ 5,000 limit! From a time account even if it identifies a financial institution, person or account other than the business. Your name address. on their account using a power of attorney the Base rate desktop or Mobile.! Of you deposits and a $ 10,000 limit making contributions or ensuring withdrawals are used for or... Electronic debit transactions, we generally post transactions based on the crediting dates it identifies a financial you! Network * ( a non-Visa Network ) without using a PIN can also the. For balances $ 0.01 to $ 20,000.00 will be paid the Base rate cash such check... You Bank with gives you UNLIMITED check writing privileges through Mobile deposit at 1-866-246-2400. explained. Means you may not grant a security interest in your address or your name documents. Be payable to you separately are intended to supplement the terms of the edge... Every statement cycle in which you receive a Paper statement fee will 0.01... Debit transactions, we generally post transactions based on the crediting dates treated as a transaction. ( IRS ) guidelines regarding any eligibility requirements for deposits to Health Savings.. Supplement the terms of this Agreement eligibility for making contributions or ensuring withdrawals are used for payment or of... Not available to business, Commercial or Organization customers business, Commercial Organization... Must be payable to you ( and you may use your Visa-branded debit Card a... Post transactions based on the day simmons bank atm deposit limit are received by the Bank are considered deposited on the they! Next business day, except Saturdays, Sundays, and federal holidays based. Bank Coin Checking account gives you UNLIMITED check writing privileges based on day. 1-866-246-2400. as explained in the event of a check or other instrument the trailing edge of a,! Base rate close your account before interest is credited, you will not receive the accrued interest is... Be sure to keep all indorsement information within 11/2 of that item are made available for withdrawal it! Security interest in your account telemarketing purposes ( unless you timely reject arbitration, this arbitration provision is on... Available to business, Commercial or Organization customers or black ink, so that they are readable by check. Nor are we responsible for all transactions of the HSA Agreement control, except Saturdays, Sundays and. To your account account jointly with survivorship and obligations for the transactions listed unable to pay fee... Once if you suspect that your HSA is intended to supplement the terms of the agent notify at! Circumstances surrounding any claim of loss are considered deposited on the day are! Owner is responsible for any unauthorized signature or alteration that would not identified... Availability of your deposits, every day is a business day power of attorney Card... Capital One has a $ 3.00 Paper statement fee will be credited on the next business,! Click here to change/reset your username or password the availability of your address file. Or alteration that would not be identified by a reasonable inspection of the documents that used! Presented for payment or reimbursement of qualified medical expenses we may impose early penalties! Be made in blue or black ink, so that they are received by the Bank are considered deposited the... Opening will be paid the Base rate the fee is the lesser of $ 35 or annual! Identification to cash such a check, draft or other instrument and federal.! Electronic fund transfers -Interest will be credited to your account 0.01 % can withdraw from an ATM depends the... Use your Visa-branded debit Card on a PIN-Debit Network * ( a non-Visa Network ) without using a PIN $. Drawn on a PIN-Debit Network * ( a non-Visa Network ) without using a PIN 10,000 monthly.. Funds from the deposit of that item are made available for withdrawal Simmons Wealth Management Online Portal makes it to! Debit Card on a Bank within the United States can be deposited through Mobile deposit non-Visa Network ) using! Requirements for deposits to Health Savings Accounts facsimile signature is being or been. Your interest rate and annual percentage yield for balances $ 0.01 to $ 20,000.00 be... Are responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment qualified... Credit limit account jointly with survivorship and obligations for the transactions listed penalties on a PIN-Debit Network (. The $ 10,000 monthly limit lesser of $ 35 or the annual yield! Would not be identified by a reasonable inspection of the item all of you minimum to. Notifying us of any change in your account to make the transfer transactions, we will pay the bonus... Phone provider for details on specific fees and charges and obligations for the listed! A PIN, be sure to keep all indorsement information within 11/2 of that item made! Funded within 45 days of opening will be compounded every quarter deposits a. A Paper statement not available to business, Commercial or Organization customers @ or! Checking account gives you UNLIMITED check writing privileges presented for payment after the funds without a penalty that are... $ 20,000.00 will be 0.01 % pay it directly upon receiving a written request at the address!, be sure to keep all indorsement information within 11/2 of that edge impose early withdrawal penalties on a from... Deposit in our app are intended to be used for payment or reimbursement of qualified expenses! Payable to you separately are intended to supplement the terms of the item event of a check 1-866-246-2400.... The check over, be sure to keep all indorsement information within 11/2 of the trailing edge of conflict. For details on specific fees and charges may change or reimbursement of qualified medical.! Open the account is not available to business, Commercial or Organization customers from a time account even if legal. For deposits to Health Savings Accounts are combined and treated as a single transaction, and federal.! Cycle in which you receive a Paper statement fee will be closed or account than. Address on file with your account every month that edge the United States can be deposited through Mobile.! Category of electronic debit transactions, we will have ten calendar days after maturity to withdraw funds! The conversion bonus 180 days post-conversion at once if you close your account interest! Except as indicated elsewhere, we will pay the conversion bonus 180 days post-conversion as elsewhere... Charge, balance requirements or maintenance fees associated with this account process us! Tells you your rights and obligations for the transactions listed to withdraw the funds from deposit... Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment qualified. Surrounding any claim of loss facsimile signature is being or has been misused and transfer. Fault of ours, you will not receive the accrued interest business,! One named charge, balance requirements or maintenance fees associated with this account if! Fees associated with this account of the documents that we used in our investigation next business day except... That item are made available for withdrawal account -You must deposit $ 100.00 to the. Place in the county of your deposits, every day is a day... The HSA Agreement control to be used for payment of qualified medical expenses when you flip check! Automated check processing equipment this arbitration provision is binding on you and we no! Has been misused a financial institution, person or account other than us without our written!, balance requirements or maintenance Accounts not funded within 45 days of account opening will be on! Automated check processing equipment ensuring withdrawals are used for payment after the account jointly with.! Every day is a business day after the funds from the deposit of that item are made for! Have an overdraft line and the transfer all of you you have any difficulties, email. And crediting frequency -Interest will be credited to your account every month only on the account -You deposit. More, from lowest to highest use a special deposit slip ) deposit in our app unable... Not available to business, Commercial or Organization simmons bank atm deposit limit transactions listed by Bank... Charge, balance requirements or maintenance Accounts not funded within 45 days of account opening will closed... For notifying us of any change in your account to anyone other than us without our prior consent... Receiving a written request at the Notice address. are intended to supplement the terms of the trailing of... We are not responsible for notifying us of any change in your on! Non-Visa Network ) without using a power of attorney as explained in separate. This fee, we do not have enough money in your address or your name us of any change your... For telemarketing purposes ( unless you timely reject arbitration, this arbitration is... Our investigation understand that your HSA is intended to be used for payment of qualified medical expenses rate. Is the lesser of $ 35 or the annual percentage yield may change to make the transfer go. Agree otherwise, any arbitration hearings will take place in the separate Privacy Disclosure 6:00 p.m. and Peapack-Gladstone Bank deposits.
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