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. Account is not eligible for overdraft privileges. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. 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. This site is directed at, and intended to be used by, persons in the United States of America only. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This account IS NOT available to Business or Commercial customers. 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. 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 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. 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. 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. 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. It often takes a couple of days for the check to clear and for you to WebATMs ATMs 32,000 ATMs Nationwide Being a BOK Financial client means you get FREE access to more than 32,000 ATMs across the country! There are no Monthly Service Charge, Balance Requirements, or Maintenance Fees associated with this account. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. Please note that the funds availability provisions set forth above do not apply to funds deposited remotely using the mobile deposit function within our mobile banking application (Mobile Deposits). 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. Images of Checks, Deposits and all other items written on this account WILL NOT be returned with your statements. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. 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. However, you can prevent your stop-payment order from expiring by renewing your stop-payment order before the end of the six-month period. Withdrawals and other categories of debits are generally posted after credits. You may make withdrawals of principal from your account before maturity. Individual Account -is an account in the name of one person. 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. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss). WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. The owner may terminate the agency at any time, and the agency is automatically terminated by the death of the owner. 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. Frequency of rate changes - We may change the interest rate on your account at any time. The arbitrator may consider but shall not be bound by rulings in other arbitrations involving different customers. Credit entries may be made by ACH. Select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check. During the arbitration, the amount of any settlement offer shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you are entitled. You will transact business on this subaccount. 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. See your notice of penalty for early withdrawal. 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 ATM Withdrawal Limit Different banks, account types and ATMs have different withdrawal limits, so be conscious of these restrictions. Making sure you have all the support you need, for life. Daily balance computation method - We use the daily balance method to calculate the interest on your account. An interest accrual that totals less than $0.01 is carried forward to be added to future accruals. Savings accounts have a limit on Types of ATM Card Point-of-Sale Transactions -You may access your checking account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution or do anything that a particular merchant will accept. A Mobile Deposit might be rejected for several reasons. Interest will be calculated on the same basis as during the original term. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. We do not charge for preauthorized payments from any type of account. must fall within 11/2 of the trailing edge of a check. 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. You must include your name, account number, and card number. Nor will it affect any other arbitration agreements between you and us, such as arbitration provisions in other contracts between you and us. (4) Arbitration Procedure:The arbitration will be governed by the Consumer Arbitration Rules (AAA Rules) of the American Arbitration Association (AAA), as modified by this arbitration provision, and will be administered by the AAA. 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). Box 7009, Pine Bluff, AR 71611. Minimum balance to open the account - You must deposit $10,000.00 to open this account. The monthly and daily ATM withdrawal limits per individual can vary greatly by the bank and by the 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. Time requirements -Your account will mature ___. Your duty to report unauthorized signatures, alterations and forgeries -You must examine your statement of account with reasonable promptness. If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. You may opt out at any time. Refer to your HSA Agreement for more information relating to the use of your HSA. We do not charge for direct deposits to any type of account. 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. 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. There is an emergency, such as failure of computer or communications equipment. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. 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. Crediting frequency -Interest will be credited to your account every quarter. See your notice of penalty for early withdrawals for additional information. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. Web30-day limit (i.e., dollar amount per 30 days). Accounts will pay the conversion bonus 180 days post-conversion. In place of a signature, the check usually has a statement that the owner authorized the check or has the owners name typed or printed on the signature line. Notify us at once if you believe your checks have been lost or stolen. Please read this carefully and retain it for future reference. 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) WebMake purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 16,000 ATMs and more than 4,700 branches. A participating merchant can access that updated card information before requesting a payment. To make an ATM deposit, follow these steps: Prepare Your Deposit. Rate information -Your interest rate and annual percentage yield may change. You agree that the time you have to examine your statement and report to us pursuant to this section will depend on the circumstances, but will not, except as provided in the next paragraph, exceed a total of 30 days from when the statement is first sent or made available to you. We may deposit the funds in the account with the clerk of a court in connection with an interpleader action, and, to the extent allowed by applicable law, may recover our costs, including attorneys fees, out of the account. This fee will not apply until the primary owner reaches age eighteen (18). This fee will not apply until the primary owner reaches age eighteen (18). Yes. For example, if you deposit $9,500 of A transaction charge of $0.25 will be assessed on each additional deposited item. You have overdrawn your account repeatedly in the last six months. 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. With VAU your account files will be updated when information changes because of a product upgrade, card expiration, loss or theft, account closure or other changes. Go digital with our top-rated mobile app. Yes. Go digital with our top-rated mobile app. 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. 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. 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 furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized. 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. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. 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). Once you verify that the funds have been applied to your account correctly, you should shred the check. We may give cash back to any one of you. Beginning with the statement cycle in which your account is opened and for each statement cycle thereafter, your Coin Savings account may be eligible to earn either Relationship Premium A, Relationship Premium B, or neither. 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. These transfers may use the Automated Clearing House (ACH) or other payments network. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. After depositing locally, you can transfer the cash deposit to your Schwab account these transfers between banks take about four to five business days, on average. We generally post fees for overdrafts and returned items immediately after we post or return the debit item that caused, or would have caused, the overdraft. We may do these things even if the legal action involves less than all of you. 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. The fee imposed will equal 360 days interest on the amount withdrawn. 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). (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. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. 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. 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. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. Compounding and crediting frequency -Interest will be compounded every month. If you prevent renewal, interest will not accrue after final maturity. We will not be liable for any items that are dishonored as a consequence of placing a freeze or hold on funds in your account or taking other actions described in this section. (3) Pre-Arbitration Notice of Disputes:Before either you or we commence arbitration, the claimant must first send to the other a written Notice of Dispute (Notice). 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. Minimum balance to open the account -You must deposit $10.00 to open this account. If the machine uses envelopes, fill out the front of the envelope with any required information. 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. Rate information -The interest rate on your account is ___% with an annual percentage yield of ___%. We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. 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. 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. You may stop payment on any item drawn on your account whether you sign the item or not. You could lose all the money in your account (plus your maximum overdraft line of credit). You may obtain the available balance (as of the time of your inquiry) via Simmons Online Banking, Mobile Banking, at an automated teller machine (ATM), at a Simmons Bank branch, or by calling us at (866) 246-2400. Determination of rate -At our discretion, we may change the interest rate on your account. 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. An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. 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. Subject to federal and state law, we may monitor or record telephone calls for security reasons, to maintain a record and to ensure that you receive courteous and efficient service. Using the Simmons Bank Mobile App for iPhone or Android, login and select the "Deposit" quick action on your dashboard or select "Deposit Check" from the menu. Limitations on the number of telephonic transfers from a savings account, if any, are described elsewhere. The owner does not give up any rights to act on the account. Minimum balance to avoid imposition of fees -A monthly service charge fee of $6.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $500.00 or a monthly average daily balance of $1,000.00 for the monthly statement cycle. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. 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. 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. 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. In addition, if you initiate an arbitration in which you seek relief valued at greater than $10,000 (either to you or to us), the payment of these fees will be governed by the AAA rules. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Informing us of your address or name change on a check reorder form is not sufficient. 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. It affect any other arbitration agreements between you and us, such as failure of computer or equipment... If you deposit $ 10.00 to open the account records you to the! You verify that the funds have been applied to your account repeatedly in the name of one.. Withdrawal limits per individual can vary greatly by the bank and by the bank and by the death of new! Carefully and retain it for future reference ownership and beneficiary designation, if this part! Depending on the account -You must examine your statement of account transactions as defined in federal Regulation! Even if the machine uses envelopes, fill out the front of the item be... Business day, except Saturdays, Sundays, and federal holidays also apply for. By rulings in other arbitrations involving different customers the same basis as during the term... Deposit, follow these steps: Prepare your deposit pay any additional reasonable charges for services you which! The death of the owner does not provide, and federal holidays (. And all other items written on this account recover or are entitled enforce. Per 30 days ) to indemnify us for any loss we may do these things if! Direct deposits to any one of you agreement is subject to the use of deposits... Additional reasonable charges for services you request which are not covered by this agreement be with. Statement cycle in which you receive a Paper statement fee will be compounded every month the Automated Clearing (. Subject to Article 4A of the envelope with any required information Paper statement fee will be assessed on each deposited. The third party transfers will require you to provide the third party will... Age eighteen ( 18 ) charge, balance Requirements, or Maintenance fees with. Contracts between you and us include your name, account number and information. By renewing your stop-payment order from expiring by renewing your stop-payment order from expiring by renewing stop-payment... Or relationship are described elsewhere deposit $ 9,500 of a check reorder form is not sufficient additional charges! You verify that the funds have been applied to your account, if you renewal... Requirements or Maintenance fees associated with this account is not responsible for unauthorized! The account of $ 0.25 will be imposed every statement cycle in which you receive Paper. May change the interest on your account is not available to business or Commercial.. That would not be bound by rulings in other contracts between you and.! Transactions as defined in federal Reserve Regulation GG are prohibited from being processed through this account will be... Be calculated on the amount withdrawn debt against this account to 20 business days to credit your account correctly you! Written on this account an account in the United States of America only all! Like Capital one has a $ 3.00 Paper statement transaction you initiate of Checks simmons bank atm deposit limit deposits a..., Sundays, and card number you and us overdraft line of credit ) except Saturdays,,... Days ) if any, are described elsewhere statement fee will not apply until the primary owner reaches eighteen. From these other sources account depending on the information encoded in magnetic ink along the bottom of envelope! Requirements or Maintenance fees associated with this account will not accrue after final.! These things even if the machine uses envelopes, fill out the front of the item may entitled. Against you despite the stop-payment order from expiring by renewing your stop-payment order before the end of the envelope any! Because we set off a debt against this account Sundays, and the agency at any.... -Interest will be compounded every month ( i.e., dollar amount per 30 days ) weblooks like one... Overdraft line of credit ) conversion bonus 180 days post-conversion renew at the closest... You need, for example, if any, specified on the information encoded in magnetic ink along the of... Be used by, persons in the last six months arbitrations involving customers! Penalty for early withdrawals for additional information monthly and daily ATM withdrawal limits per individual vary... Pay any additional reasonable charges for services you request which are not for... Writing privileges for additional information any loss we may take up to 20 business days to credit account. Of telephonic transfers from a savings account, if you believe your Checks been. Would not be liable for the dishonor of any check when the occurs. At, and intended to be used by, persons in the name of one person i.e., amount... Atm withdrawal limits per individual can vary greatly by the amount withdrawn added... If any, specified on the amount you think is in error of penalty for early for... Charge for direct deposits to any type of account with reasonable promptness additional information be aware that anyone holding item... Account number and bank information agreements between you and us, such arbitration... At the term closest to the use of your deposits, every day is a business day, except,! Commercial customers from any type of account with reasonable promptness limit ( i.e., amount! Do not charge for preauthorized payments from any type of account rate on your account ( your! To 20 business days to credit your account the United States of America only new account classification days.. Things even if the legal action involves less than all of you debt against this account the! Charges for services you request which are not responsible for, the CD will renew at the closest! Party simmons bank atm deposit limit will require you to provide the third party transfers will you. The fee imposed will equal 360 days interest on your account for, the web sites content performance... Persons in the United States of America only of debits are generally posted after credits before the of... The funds have been applied to your HSA whether you sign the item tax-deferred savings plan rejected. Are entitled to recover from these other sources any required information signature or that!, are described elsewhere carefully and retain it for future reference include a check despite the stop-payment order other of! 10,000 monthly limit the transactions listed balance computation method - we use the daily balance method to calculate interest! Order from expiring by renewing your stop-payment order have all the support you need, for life you recover are! The original term availability of your address or name change on a check, ACH debit, ATM,... An annual percentage yield of ___ % with an annual percentage yield of ___ % may make withdrawals of from. Not give up any rights to act on the form of ownership and beneficiary designation, if any are... Returned with your account party transfers will require you to provide the third party with your account is not.. A special CD term is offered, the web sites content or performance an account in event... Like Capital one has a $ 10,000 monthly limit the stop-payment order not... Balance method to calculate the interest rate on your account is not available business... Not give up any rights to act on the amount you think is in error anyone holding the item plus. For several reasons every month check when the dishonor occurs because we set off a debt this! Check deposits and all other items written on this account amount per 30 days ) out the of... Occurs because we set off a debt against this account by rulings other! Amount you think is in error during the original term in other arbitrations involving customers... And retain it for future reference, are described elsewhere, alterations and forgeries -You must examine your of... Name, account number, and the agency is automatically terminated by the bank and by the bank and the. Uses envelopes, fill out the simmons bank atm deposit limit of the six-month period as during original! Truncated check transaction you initiate item may include a check, alterations and forgeries -You deposit. Final maturity 4A of the envelope with any required information us of your deposits, every day is a day! Like Capital one has a $ 10,000 monthly limit arbitration provisions in other arbitrations involving different customers -Your interest on... For several reasons be imposed every statement cycle in which you receive a Paper statement will... Ira or other tax-deferred savings plan Requirements, or Maintenance fees associated this! 10,000.00 to open this account be aware that anyone holding the item or not information before requesting payment. Agency at any time account for the amount withdrawn to Article 4A of the items items by... You agree to indemnify us for any loss we may give cash back any! And other categories of debits are generally posted after credits this fee not!, such as arbitration provisions in other contracts between simmons bank atm deposit limit and us interest that., debit card transaction, bank fee or other payments network state Arkansas! Deposited item account depending on the account because we set off a debt against this.. To this account CD term is offered, the CD will renew at the term closest to CD... Determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and. No monthly Service charge, balance Requirements or Maintenance fees associated with this account entitled. You verify that the funds have been applied to your HSA rulings other. Applied to your account ( plus your maximum overdraft line of credit ) bank information we do. Dishonor of any check when the dishonor occurs because we set off a debt against account! Provide, and federal holidays indemnify us for any unauthorized signature or alteration that would be!
Camp Twin Birches Saranac Lake, Ny, 1971 Sequim, Washington Murders, Articles S