Pay-On-Death Account You may create a Pay-On-Death account by designating one or more Pay-On-Death beneficiaries. In connection with the posting process, we generally group transactions into two main categories: debits and credits. Find Nearest ATM Find an ATM on the go with our mobile app The BOK Financial mobile app can show you the closest ATM to your location and give you directions when you're on the go. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from fees, charges, or overdrafts, whether caused by you or another with access to this account. We can change our practice of paying overdrafts on your account without notice to you. We also will pay all other AAA filing, administration, and arbitrator fees for that arbitration. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. 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. WebNew Customer Limits: Online transfers are limited to a maximum of: $100,000 per transaction; $100,000 per day; $150,000 per month; New Customers can make up to six A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. Except as provided in paragraph (6) below, the arbitrator shall apply the same substantive law that a court would apply and can award the same individualized remedies (including punitive and statutory damages and statutory attorneys fees and costs) that a court could award under applicable law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. An interest accrual that totals less than $0.01 is carried forward to be added to future accruals. 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). If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. 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. additional indorsements, ID information, drivers license number, etc.) Simmons Bank suggests that you consult the Privacy Disclosure on the site for further information. 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. As an alternative to making a large cash withdrawal, you may want to consider a cashier's check or similar instrument. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. 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. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. You CANNOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. Frequency of rate changes - We may change the interest rate on your account at any time. 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. WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. 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. You must notify us at once if you suspect that your facsimile signature is being or has been misused. DeluxeXL 6 yr. ago You can mail your check if they don't take remote deposits due to the amount. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. We are not obligated to notify you when a stop-payment order expires. Interest will be credited to your account every month. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. WebYou can now get instant access of up to $500 in funds from checks you deposit, with hours that fit your schedule. 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. ATM Withdrawal Limit Different banks, account types and ATMs have different withdrawal limits, so be conscious of these restrictions. Additional copies of each of these documents are available from us upon request. 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. where it is necessary for completing transfers; or, in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or, in order to comply with government agency or court orders; or. We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. If this account is owned by one or more of you as individuals, we may set off any funds in the account against (i) any due and payable debt owed to us by any account owner or (ii) any due and payable debt a partnership owes us now or in the future, to the extent of your liability as a partner for the partnership debt. Rejecting this arbitration provision will not affect your other rights or responsibilities under this Agreement. (8) Additional Procedures for Complex Disputes:If the actual damages sought by either you or us in an arbitration exceeds $250,000 (not counting amounts sought for punitive, statutory, treble, or emotional harm damages or for attorneys fees or costs), then the following additional procedures apply. You can also see the status of your deposit in our app. 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. Overdraft fees will not be assessed in the event of an overdraft of the account. 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. 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) Your Coin Savings account will earn the highest interest rate for which you qualify based on the account's interest rate and any eligible Relationship Premiums described below. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. For example, the additional limits on liability (sometimes referred to as Visas zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. 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. The fee imposed will equal 360 days interest on the amount withdrawn. We reserve the right to review, and decline, at our discretion and to the extent allowed by applicable law, any power of attorney. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. 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 your Rejection Notice complies with these requirements, this arbitration provision will not apply to you with respect to any claims that you or we commence in litigation or arbitration after we receive your Rejection Notice. Computer Transfers - types of transfers -You may access your account(s) by computer through the internet by logging onto our website at www.simmonsbank.com and using your user identification and a password, to: Mobile Banking Transfers - types of transfers -You may access your account(s) through the browser on your cell or mobile phone at www.simmonsbank.com and using your user identification and a password, to: You may be charged access fees by your cell phone provider based on your individual plan. If you do not do so, or if you have too many overdrafts, we may close your account. 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. 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. 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. The automated processing of the large volume of checks we receive prevents us from inspecting or looking for restrictive legends, restrictive indorsements or other special instructions on every check. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We will add all of your open and active accounts to Mobile Deposit. Please read this carefully and retain it for future reference. An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. If, after exhaustion of all appeals, any of these prohibitions on non-individualized declaratory or injunctive relief; class, representative, and private attorney general claims; and consolidation are found to be unenforceable with respect to a particular claim or with respect to a particular request for relief (such as a request for injunctive relief), then that claim or request for relief shall be severed and decided by a court, and all other claims and requests for relief shall be arbitrated. If we receive such a second or subsequent request for payment, we will treat the request as an independent item different from the item(s) previously presented. You will transact business on this subaccount. If your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. 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. 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, Health Savings Accounts (HSA) -We permit some electronic fund transfers to and/or from your HSA. Your interest rate and annual percentage yield may change. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. WebRemove your cash and debit card from the ATM and store it away safely. To obtain the $10.00 opening deposit match, balance must be at $10.00 or more on their third reward cycle, and the minor must not be past the day of their 17th birthday at account opening. 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. We may decide to pay an item even if the available balance of your account is already negative. Rewards pay on the 26th (or next business day) of each month. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity. Reflector Series Mobile Deposits are posted to accounts throughout each banking day. A monthly service charge fee of $3.00 will be charged each month. We need only make one determination, but if we choose to make a subsequent determination, the available balance at the subsequent time will determine whether there are insufficient funds. You assign to us all rights against the payee or any other holder of the item. *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. These are the accounts you have opened or inquired about. This fee will not apply until the primary owner reaches age eighteen (18). A minimum of $0.01 must be deposited within 45 days of account opening. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. 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. However, we may continue to honor the transactions of the agent until: (a) we have received written notice or have actual knowledge of the termination of the agency, and (b) we have a reasonable opportunity to act on that notice or knowledge. Determination of rate - At our discretion, we may change the interest rate on your account. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance. Again, this is determined by the bank or credit unionthere is no standard daily ATM Time requirements -Your account will mature ___. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. Minimum balance to open the account -There is no minimum balance to open this account. As a small business owner, if you foresee a time when you would be receiving enough funds to exceed $10,000 in deposits in the near future, talk 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. If you have an overdraft line and the transfer would go over the credit limit. Box 7009, Pine Bluff, AR 71611. A transaction may affect the available balance of your account prior to the time it is posted to your account. The rules in this section cover stopping payment of items such as checks and drafts. Residential LED Lighting. Cash withdrawals -We recommend you take care when making large cash withdrawals because carrying large amounts of cash may pose a danger to your personal safety. The fee is the lesser of $35 or the annual interest earnings on the account. 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. Yes, you can usually deposit a check into an ATM, though some machines may not accept them. 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. You will pursue your rights or, at our option, assign them to us so that we may pursue them. 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. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. Your limit may change at any time, at Chime's discretion. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. 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. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Fifty (50) foreign deposited items and fifty (50) on us deposited items may be made at no charge in each monthly statement cycle. 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. 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. Accounts not funded within 45 days of account opening will be closed. 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). 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. Nor will it affect any other arbitration agreements between you and us, such as arbitration provisions in other contracts between you and us. 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). You should sign the back of your check and write "For mobile deposit at Simmons Bank only" below your signature. There is an emergency, such as failure of computer or communications equipment. Get the buying power you need with the rewards you want. 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. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. An IRA account is considered abandoned after a year-end Fair Market Value statement is returned undeliverable or upon failure of the owner to execute the election of payment document by December 31 of the year that he/she becomes age 72. Dont have a User ID? 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). You may opt in the same way(s) that you can opt out. Please ensure that your email address is current. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. Rate information -The interest rate on your account is ___% with an annual percentage yield of ___%. Simmons Bank Mobile Deposit allows you to deposit checks to any of your Simmons Bank checking or savings accounts using the camera on your smartphone or tablet. 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. The appellant shall pay all fees and costs for the appeal unless the panel determines that the appellant is the prevailing party, in which case the panel shall have the discretion in its final award to reallocate the fees and costs as justice or otherwise applicable law requires. Create one here.Forgot User ID or Password? 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. 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. Rate - at our option, assign them to us so that we may change at any time written of. 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