If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. If we are presented with an item drawn against your account that would be a substitute check, as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. You agree to hold us harmless from any loss you incur as a result of your decision to withdraw funds in the form of cash. An account may not qualify for both Relationship Premiums A and B in any given statement cycle. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. A minimum of $0.01 must be deposited within 45 days of account opening. We reserve the right to review, and decline, at our discretion and to the extent allowed by applicable law, any power of attorney. WebMaximum daily amount you can request. 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. With the above understandings, you authorize us to contact you regarding your account throughout its existence using any telephone numbers or email addresses that you have previously provided to us or that you may subsequently provide to us. This right of setoffdoes not apply to this account if prohibited by law. (7) Future Changes to Arbitration Provision:Notwithstanding any provision in this Agreement to the contrary, you and we agree that if we make any future change to this arbitration provision (other than a change to the Notice Address), you may reject that change by sending us written notice within 30 days of the change to the Notice Address provided above. (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 may opt out at any time. Your consent is limited to your account, and as authorized by applicable law and regulations. All issues are for the arbitrator to decide, except that the court will decide any disputes over the arbitrability of claims. We will not be liable for anything we do when following your instructions. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item. Your Simmons Bank debit card will be automatically enrolled in the free Visa Account Updater (VAU) service. The Notice to you will be sent to your address on file with your account. This could include your account number, your name, and the amount to be deposited. The Notice must (a) include your name and account number; (b) describe the nature and basis of the claim or dispute; and (c) set forth the specific relief sought. 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. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. How do you withdraw money without a debit card? Simmons Bank suggests that you consult the Privacy Disclosure on the site for further information. 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. If we receive returned mail, we may impose a service fee. The other is a nontransaction subaccount (e.g., a savings account). 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. Only ACH transactions described above which have been settled and posted no later than the last business day of the month preceding the end of your current statement cycle will be counted toward eligibility for Relationship Premium B for a given statement cycle. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five 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. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Please refer to Internal Revenue Service (IRS) guidelines regarding any eligibility requirements for deposits to Health Savings Accounts. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or instructions on your checks. 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 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. 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. Please click here to change/reset your username or password. 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. The interest rate for your account is ___% with an annual percentage yield of ___%. Cash deposits to your account (s) are credited immediately. Once you verify that the funds have been applied to your account correctly, you should shred the check. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest. If we communicate by mail, we will generally attempt to communicate with you by use of the most recent address you have provided to us. A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g. These indorsement guidelines apply to both personal and business checks. (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. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we have notified you of a change in any term of your account (including, for the avoidance of doubt, a change to this agreement) and you continue to have your account after the effective date of the change, you have agreed to the new term(s). Daily balance computation method - We use the daily balance method to calculate the interest on your account. 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. A participating merchant can access that updated card information before requesting a payment. 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. Dormant Account Fees do not apply to accounts owned by Texas residents and only apply to accounts when the daily balance falls below $1,000.00 any day of the statement cycle. A minimum of $0.01 must be deposited within 45 days of account opening. Rate information - Your interest rate and annual percentage yield may change. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. Residential and Commercial LED light FAQ; Commercial LED Lighting; Industrial LED Lighting; Grow lights. 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 we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. You consent in advance to any such recording. Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. In that case, we will reverse the credit of the item. 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. This account is available to Individuals and Non-Profit Organizations. 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. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. If you are unable to pay this fee, we will pay it directly upon receiving a written request at the Notice Address.) Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. This site is directed at, and intended to be used by, persons in the United States of America only. We are not responsible for transactions by mail or outside depository until we actually record them. There are no Monthly Service Charge, Balance Requirements or Maintenance In connection with the posting process, we generally group transactions into two main categories: debits and credits. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. 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. Any remaining balances in your Coin Savings account will be paid the Base Rate. Minimum balance to avoid imposition of fees - A service charge fee of $25.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle. 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. If you elect to receive paper statements, a $3.00 Paper Statement Fee will be imposed for every statement cycle you receive a paper statement. Duty to protect account information and methods of access -It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). This account may not be transferred or assigned without our prior written consent. The fee imposed will equal 360 days interest on the amount withdrawn. 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. We may impose early withdrawal penalties on a withdrawal from a time account even if you dont initiate the withdrawal. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. Again, this is determined by the bank or credit unionthere is no standard daily ATM If you do not wish to accept it, you must follow the instructions in paragraph (9) below to reject arbitration. You may not make any deposits into your account before maturity. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. Pay-On-Death Account You may create a Pay-On-Death account by designating one or more Pay-On-Death beneficiaries. 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. 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. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). You may opt in the same way(s) that you can opt out. 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. 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. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. 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 supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. Reflector Series 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. One of these accounts is a transaction subaccount (e.g., a checking subaccount). 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. 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. The annual percentage yield assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. Items presented for payment after the account is closed may be dishonored, and we have no liability for such dishonor. 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. 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. Minimum balance to open the account -You must deposit $10.00 to open this account. Some activities may not cause your available balance to increase or decrease right away. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. 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. Unless prohibited by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of alteration, encoding error or other problem which in our judgment justifies reversal of credit (for example, a counterfeit cashier's check). 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. You must also take precaution in safeguarding your blank checks. Unless specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check. Compounding and crediting frequency -Interest will be compounded every quarter. 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.
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