Failure to examine your statement and items and report any errors or problems to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any errors or problems related to items or other matters identified in that statement and as between you and us the loss will be entirely yours. 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. Simmons Bank trustworthiness and BBB We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn on us). You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. WebYou can now get instant access of up to $500 in funds from checks you deposit, with hours that fit your schedule. Minimum balance to avoid imposition of fees -A monthly service charge fee of $10.00 will be imposed every statement cycle if the daily balance in the account falls below $1,000.00 any day of the cycle. 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. Make a payment on your consumer loan. 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. 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. This agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. If you violate the stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. 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. Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. Errors relating to electronic fund transfers or substitute checksThis paragraph applies to consumer accounts only. 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. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. Each renewal term will be the same as the original term, beginning on the maturity date. Second, regardless of whether you are a business or consumer customer, either party may appeal the final award to a three-arbitrator panel pursuant to the AAAs Optional Appellate Rules by providing written notice within 30 days of the award. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. Accounts may be opened by a person acting in a fiduciary capacity. 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. Create one here.Forgot User ID or Password? In that case, we will reverse the credit of the item. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. 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. 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. (The filing fee currently is $200 but is subject to change by the arbitration provider. For example, your available balance may not reflect (1) outstanding checks and authorized withdrawals that we have not received, (2) debit card transactions that you authorized but that have not been submitted by the merchant, (3) the final amount of a debit card purchase that has been authorized (like a car rental or hotel bill), or (4) amounts from deposits that are not yet available (see the disclosure titled Your Ability to Withdraw Funds for more information). Yes, you can usually deposit a check into an ATM, though some machines may not accept them. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five They can also file voluntarily file reports for suspicious deposits that are less than $10,000. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. If your account has an original maturity of one year or more: The fee imposed will equal 360 days interest on the amount withdrawn. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa- branded Debit Card or ATM Card point-of-sale transactions processed by Visa) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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. Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided elsewhere, if any. If we accept a third-party check or draft for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence. Most often, ATM cash withdrawal limits range from $300 to $1,000 per day. You agree to cooperate with us in any legal actions that we may take against such persons. There may be other exceptions stated in our agreement with you. 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. 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. We reserve the right to review, and decline, at our discretion and to the extent allowed by applicable law, any power of attorney. 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. Maximum requests you can make per 30 days. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. This arbitration provision is optional. 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. The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). 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. WebSimmons Bank is FDIC insured. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. If we become aware of a dispute or claim related to your account, we may, in our sole discretion, freeze your account, place a hold on your account (refuse payment or withdrawal of the funds), or take any other actions described in this section. Minimum balance to open the account -You must deposit $100.00 to open this account. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprintor fingerprint. Determination of rate - At our discretion, we may change the interest rate on your account. We may also use any other legal remedy to recover the amount of our liability. 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 may safely keep up to $250,000 in an individual account or $500,000 in a joint bank account. We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We may refuse to accept the designation of an agent. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. See the section titled "Your Account" for additional account and rate information. If a transaction shows as pending, it has not settled and posted. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. An item may be returned after the funds from the deposit of that item are made available for withdrawal. Maximum requests you can make per 30 days. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. Credit entries may be made by ACH. If you do not wish to accept it, you must follow the instructions in paragraph (9) below to reject arbitration. 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. Webbetween you and Umpqua Bank. You will only need to take a picture of the front and bank of the check being deposited. When we transition from one business day to the next business day, we post transactions to your account during our nightly processing for each business day. 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. Please note, if a transaction shows as pending, it has not settled and posted. In such cases, we will notify you, and we will tell you when the funds will be available. You may make unlimited deposits into your account. Also, we may report to consumer reporting agencies your overdrafts and your failure to repay them, and we may commence collection activities (in addition to any other legal remedy we may have). Generally -- When the dollar amount of one or more items exceeds the available balance of your account, at our discretion and without notice to you, we may pay or return some or all of the items. 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. Interest will be credited to your account every month. We must receive it in time to have a reasonable opportunity to act on it. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. 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. Online copies of our terms and conditions are provided only as a courtesy and convenience to you. Items presented for payment after the account is closed may be dishonored, and we have no liability for such dishonor. 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 may not make any deposits into your account before maturity. Minimum balance to open the account -You must deposit $50.00 to open this account. 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. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. See your notice of penalty for early withdrawals for additional information. Make balance inquiries on your Arvest Bank checking, money market and savings account(s). You must also take precaution in safeguarding your blank checks. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. 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. *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. In addition, if you receive or we make available either your items or images of your items, you must examine them for any unauthorized or missing indorsements or any other problems. In addition, we may place limitations on the account until your identity is verified. Your authorization to the third party to make these transfers can occur in a number of ways. 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. We may impose early withdrawal penalties on a withdrawal from a time account even if you dont initiate the withdrawal. Please note, debit card transactions generally take 3-10 days to settle and post but may take longer. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. 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. We will tell you the results within three business days after completing our investigation. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. If you have multiple open Coin Savings accounts, Relationship Premiums will only be paid to the most recently opened of the Coin Savings accounts, and only one Coin Savings account per account holder may be eligible for Relationship Premiums. Any remaining balances in your Coin Savings account will be paid the Base Rate. You will be entitled to credit only for the actual deposit as determined by us, regardless of what is stated on the itemized deposit slip. 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). Other exceptions stated in our agreement with you below to reject arbitration, you can usually deposit a check an. For payment after the account until your identity is verified arbitration Act governs interpretation. May close your account and rate information often, ATM cash withdrawal limits range from $ 300 to $ per... 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