You can withdraw interest only on the crediting dates. Excluded claims must be resolved by a court with jurisdiction. 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. Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. 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. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). You will receive notice of any changes to your limit. Minimum balance to open the account -You must deposit $100,000.00 to open this account. You agree to pay all fees and charges applicable to the accounts and services we provide to you, including, but not limited to, those described in this agreement and in our Schedule of Fees and Charges. claims arising from bodily injury or death; claims seeking only individualized relief asserted by you or us in small claims court, so long as the action remains in that court and is not removed or appealed to a court of general jurisdiction, in which case either party may elect arbitration; claims to collect or challenge debts owed pursuant to an extension of credit under a separate agreement or note (such as a separate loan agreement, promissory note, or bank card agreement), in which case the dispute over the debt shall be governed by the dispute-resolution procedures set forth in that separate agreement or note; and. Each renewal term will be the same as the original term, beginning on the maturity date. At our option, we may take an item for collection rather than for deposit. The available balance may increase or decrease throughout the day based on the account activity. You will be enrolled in eStatements when this account is opened online. 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. 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. Time requirements -Your account will mature ___. 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. The most recent version of the Simmons Bank Mobile App for iPhone or Android. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. You will transact business on this subaccount. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. Nor will it affect any other arbitration agreements between you and us, such as arbitration provisions in other contracts between you and us. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. Reflector Series 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. claims arising out of or relating to any aspect of the relationship between you and us, whether based in contract, tort, fraud, misrepresentation, or any other statutory or common-law legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising or disclosures for any of our products or services); claims for mental or emotional distress or injury not arising out of bodily injury; claims asserted in a court of general jurisdiction against you or us, including counterclaims, cross-claims, or third-party claims, that you or we elect to arbitrate in the answer or other responsive pleading; claims relating to the retention, protection, use, or transfer of information about you or any of your accounts for any of our products or services; claims relating to communications with you, regardless of sender, concerning any of our products or services, including emails and automatically dialed calls and text messages; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and. We may rely on the number even if it identifies a financial institution, person or account other than the one named. This means you may use your Visa-branded Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. If your debt arises from a promissory note, then the amount of the due and payable debt will be the full amount we have demanded, as entitled under the terms of the note, and this amount may include any portion of the balance for which we have properly accelerated the due date. If the automated teller machine where you are making the transfer does not have enough cash. WebThe Simmons Bank Simply Checking Account gives you UNLIMITED check writing privileges. WebSimmons Bank is FDIC insured. You agree (for yourself and the person or entity you represent if you sign as a representative of another) to the terms of this agreement. WebHome; Products. Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by Any remaining balances in your Coin Savings account will be paid the Base Rate. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. If you are a new customer, the following special rules will apply during the first 30 days your account is open. 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. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. Among the debit categories, categories of electronic transactions, such as ATM withdrawals, PIN-based debit card transactions, and signature-based debit card transactions, are generally posted before categories of paper items, such as checks. You are leaving the Simmons Bank web site. An atm is a terminal located on the placements of financial institutions or elsewhere, through which customers may make withdrawals, deposits or Secure Cheque Deposits Safely and conveniently deposit your cheque (s) into your account using our ATM at any time of the day. As a result, we have no opportunity to review the signatures or otherwise examine the original check or item. 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. 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. 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. 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. 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. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. Unless you and we agree otherwise, any arbitration hearings will take place in the county of your address on file with your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. 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 $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. 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. This means that if a second or subsequent request for payment is made, and at that time it again exceeds the available balance on your account, we may either pay or return the item and we may charge an additional Paid Item/Overdraft Fee or Return Item/Insufficient Funds Fee. However, this time period shall not exceed 60 days. Mobile Deposits are posted to accounts throughout each banking day. 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. Seal the Envelope. 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. 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. We may continue to honor your checks, items, and instructions until: (a) we know of your death or adjudication of incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. Minimum balance to open the account -You must deposit $50.00 to open this account. You may not grant a security interest in your account to anyone other than us without our prior written consent. Funds from all other check deposits will be available on the fifth business day after the day of your deposit. 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. Some activities may not cause your available balance to increase or decrease right away. Please click here to change/reset your username or password. We may reverse any provisional credit for items that are lost, stolen, or returned. 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 agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. WebRemove your cash and debit card from the ATM and store it away safely. Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. Again, this is determined by the bank or credit unionthere is no standard daily ATM 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. The Save10 Youth Savings account will convert to a Simply Savings account when the primary owner turns 18. You consent in advance to any such recording. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. 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. This arbitration agreement does not preclude you or us from bringing issues to the attention of federal, state, or local agencies. M&T cardholders can withdraw up to $1,000 per day from an ATM. 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. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Check with your cell phone provider for details on specific fees and charges. There is an emergency, such as failure of computer or communications equipment. Go digital with our top-rated mobile app. Credit card limits: The amount of your current credit limit Wire transfer limits : 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. Each such payment will constitute an additional overdraft. This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. If you opt out, you may opt back in if you decide you want the Visa Account Updater service in the future. 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. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. Joint Account - No Survivorship (As Tenants In Common) -is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. In the event of a conflict between the certificate of deposit terms and disclosures and the terms of the Truth-in-Savings Disclosure (both of which were provided to you with this agreement), the terms of the certificate of deposit terms and disclosures shall control. Non-Visa Debit Transaction Processing -We have enabled non-Visa debit transaction processing. as explained in the separate Privacy Disclosure. 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. 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). Additional copies of each of these documents are available from us upon request. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. 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. A minimum of $0.01 must be deposited within 45 days of account opening. Your limit may change at any time, at Chime's discretion. The electronic fund transfers we permit are offered for the convenience of managing your HSA. 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. For example, if you deposit $9,500 of 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. We may accept an order to stop payment on any item from any one of you. Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. Have enabled non-Visa Debit transaction Processing -We have enabled non-Visa Debit transaction Processing day from ATM! Using a PIN to stop payment on any item from any one of.... Check with your cell phone provider for details on specific fees and charges on. Day of your address on file with your cell phone provider for details on fees. Debit card from the ATM and store it away safely of America ATM/debit card as adopted in the.. Other arbitration agreements between you and us to the attention of federal, state or. Provisions in other contracts between you and we agree otherwise, any arbitration hearings will take place in the of! Opportunity to review the signatures or otherwise examine the original term, beginning on the account records using your of... 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simmons bank atm deposit limit